Father and daughter in the kitchen

$100 GIFT FOR NEW MEMBERS

How the Offer Works

The power of three

$100 bonus graphicBoost your Advantis membership by opening a consumer or business checking account along with any loan or other account (Consumer credit card, consumer or business money market savings, consumer or business CD, Consumer IRA Savings, HSA Certificates, Holiday & Tax Savings account, My First Home Savings, any type of Consumer or Commercial loan, or any type of mortgage) within six months of membership opening. And that’s it. Easy peasy, enjoy your $100*.

Everything (and we mean everything!) you need to know

*$100 New Member Offer may be discontinued at any time without notice. Offer only valid for new Advantis Credit Union members (i.e. Individuals without an Advantis membership in the previous 6 months) and must be 18 years of age or older. To qualify for bonus, open a regular or business savings account and be designated as the primary owner/signer on the qualifying consumer or business checking account and any “additional account” including; consumer or business Certificates of Deposit, consumer or business Money Market, Consumer IRA Savings, HSA Certificates, Holiday & Tax Savings account, My First Home Savings or any type of Consumer or Commercial loan, or any type of consumer credit card or mortgage (Opening a second checking does not qualify as an additional account). $100 bonus will be treated as interest for tax reporting purposes. The account and qualifying products must be opened within 6 months after opening of the membership. Limit one $100 bonus per primary Tax Identification Number. As of 11/01/2020, bonus will be paid within 60 days after the third qualifying account is opened during the qualification period, not 15 business days as previously disclosed.



Savings

Rates Effective 11/01/2020

Tier Annual Percentage Yield (APY)1
Regular Savings $0 - $499 0.00%

$500 - $2,499 0.05%

$2,500 - $9,999 0.05%

$10,000 or more 0.05%
Holiday and Tax Account $0 - $499 0.00%

$500 - $2,499 0.05%

$2,500 - $9,999 0.05%

$10,000 or more 0.05%
Youth Account n/a 0.05%
Start Savings Account $0.01–$500
$501 or more
1.00%
0.05%
1The APY may change after account opening. Minimum amount to open a Regular Savings, Youth Savings, Start Savings or Holiday and Tax Account is $5. You must be between the ages of 14 to 22 years old in order to qualify for the Start Savings account. Only one Start Savings account per member and member number (membership). No Primary member can have two Start Savings accounts (they can be joint on another account that has a different primary member.) For Start Savings accounts, on the first day of the month following your 23rd birthday, your account will convert to a Regular Savings account. Transaction restrictions apply.


Checking

Rates Effective 11/01/2020

Tier Annual Percentage Yield (APY)
Fusion Checking $0 - $25,000 0.90 %1

$25,000.01 or more 0.10%1
Interest Checking $0 - $2,499 0.05%2

$2,500 - $24,999 0.05%2

$25,000 - $49,999 0.05%2

$50,000 or more 0.05%2
Start Checking n/a n/a3
Cashback Checking n/a n/a4
HSA Interest Checking $0 - $2,499 0.05%5

$2,500 - $9,999 0.05%5

$10,000 or more 0.05%5

1*APY= Annual Percentage Yield. APY is accurate as of 11/01/2020. Rates are subject to change after account opening. Minimum opening deposit is $25.00. When Fusion requirements are met, balances over $25,000 earn 0.10% APY. To earn Fusion rate and ATM fee refunds you must satisfy the following requirements during the requirement cycle: have at least 12 debit card transactions post and clear; have at least one automatic payment or direct deposit post and clear; receive statements electronically and log in to online banking at least once. Requirement cycles begin on the last calendar day of the month and end on the next to last calendar day of the month (at close of business on a Monday through Saturday and 5:00 pm on a Sunday). To ensure you receive the highest interest rate tier, all Fusion requirements must be met by within the disclosed requirement cycle. ATM transactions do not count toward the 12 check card transactions. International ATM fees are not eligible for ATM fee refund. Interest and ATM refunds will be paid on the last day of the month in which it is earned. If account requirements are not met, the rate will be 0.05% APY and ATM fees will not be refunded.

2The APY may change after account opening. Minimum amount to open an Interest Checking account is $25. There is a $1000 minimum balance requirement to avoid a service fee for interest checking. Fees may reduce earnings.

3Minimum amount to open a Start Checking is $25. To earn cash back you must be signed up to receive eStatements from Advantis. You will earn $0.10 on every qualifying purchase that posts during the account cycle. A qualifying purchase is a purchase of $3.00 or more that is made with the debit card tied to your Start Checking account, including purchases made with your card through a Digital Wallet supported by Advantis and purchases made with your debit card online. For purposes of the Start Checking account, the account cycle runs from the first day of the month to the last day of the month. Your cashback will be posted to your Start Checking account on the first day of the month following the close of the account cycle. You will not receive any cashback for any purchases posted during the same month you close your account. You must be between the ages of 14 to 22 years old in order to qualify for the Start Checking account. On the first day of the month following your 23rd birthday, your Start Checking account will convert to a Cashback Checking account.

4 Minimum to open a Cash Back Checking is $25. Your cash back will be posted to your Cashback Checking account on the first day of the month following the close of the account cycle. The account cycle runs from the first day of the month to the last day of the month. If you close your Cashback Checking account, you will not receive any cash back for purchases posted during the month you close your account. Only applicable to purchases made with your debit card tied to your Cashback Checking account.

5The APY may change after account opening. Fees may reduce earnings. Contribution limits apply. Consult your tax advisor for specific tax information.



IRAs

Rates Effective 11/01/2020

Tier Annual Percentage Yield (APY)1
High-Growth IRA $0.00-$24,999 0.05%

$25,000–$49,999 0.10%

$50,000–$99,999 0.10%

$100,000 or more 0.10%

1The APY may change after account opening. Minimum amount to open a High-Growth IRA Savings Account is $5. Transaction restrictions apply. IRA Plan closure fee may reduce earnings.”



Money Market

Rates Effective 11/01/2020

Tier Annual Percentage Yield (APY)1
High-Growth Money Market $0.01–$24,999 0.05%

$25,000–$99,999 0.10%

$100,000–$249,999 0.10 %

$250,000 or more 0.10%

1The APY may change after account opening. Minimum amount to open a High-Growth Money Market account is $2,500. Transaction Limitations apply.”



High-Growth CDs1

Rates Effective 11/01/2020
IRA option available on all terms.
Term Tier Annual Percentage Yield (APY)
6 months $500 – $49,999 0.10%

$50,000 – $99,999 0.10%

$100,000 or more 0.15%
12 Months $500 - $49,999 0.10%

$50,000 - $99,999 0.15%

$100,000 or more 0.20 %
24 Months $500 - $49,999 0.15%

$50,000 - $99,999 0.25%

$100,000 or more 0.30%
36 Months $500 - $49,999 0.60%

$50,000 - $99,999 0.75%

$100,000 or more 0.80%
48 Months $500 - $49,999 0.30%

$50,000 - $99,999 0.45 %

$100,000 or more 0.50 %
60 Months $500 - $49,999 0.35%

$50,000 - $99,999 0.55%

$100,000 or more 0.60%

1Minimum amount to open a Certificate account is $500. Rates are subject to change without notice. There may be a penalty for early withdrawal. APY assumes that all interest will remain on deposit until maturity, a withdrawal will reduce earnings. For IRA accounts: Fees may reduce earnings. Contribution limits apply. Consult your tax advisor for specific tax information.



Bump Certificates1

Rates Effective 11/01/2020
Term Tier Annual Percentage Yield (APY)
18 Month Bump $2,500 - $49,999 0.10%

$50,000 - $99,999 0.15%

$100,000 or more 0.20%

1Minimum amount to open a 18-Month Bump Certificate account is $2,500. Rates are subject to change without notice. There may be a penalty for early withdrawal. APY assumes that all interest will remain on deposit until maturity, a withdrawal will reduce earnings. For 18-month Bump Certificates, you may increase your rate once during the certificate term to the rate currently in effect for the 18-month Bump Certificate. Credit Union reserves the right to stop offering this product at any time in its discretion. For IRA certificates, there is a plan closure fee which may reduce earnings.



Health Savings Account Certificates1

Rates Effective 11/01/2020
Term Tier Annual Percentage Yield (APY)
6 months $500 – $49,999 0.10%

$50,000 – $99,999 0.10%

$100,000 or more 0.15%
12 Months $500 - $49,999 0.10%

$50,000 - $99,999 0.15%

$100,000 or more 0.20%
24 Months $500 - $49,999 0.15%

$50,000 - $99,999 0.25%

$100,000 or more 0.30%
36 Months $500 - $49,999 0.25%

$50,000 - $99,999 0.35%

$100,000 or more 0.40%

1Minimum amount to open an HSA Certificate account is $500. There is a service fee if a minimum balance is not maintained in the plan. Fees may reduce earnings. Contribution limits apply. Consult your tax advisor for specific tax information. There may be a penalty for early withdrawal. Rates are subject to change without notice. APY assumes that all interest will remain on deposit until maturity, a withdrawal will reduce earnings.

Business Rates


Business Solutions Checking1

Rates Effective 11/01/2020
Tier Annual Percentage Yield (APY*)
under $2,500 0.05%
$2,500 - $24,999 0.05%
$25,000 - $49,999 0.05%
$50,000 or more 0.05%


1APY may change after account opening. Minimum deposit to open a Business Solutions Checking account is $100. Fees may reduce earnings.


Business Savings1

Rates Effective 11/01/2020
Tier Annual Percentage Yield (APY)
under $500 0.00%
$500 - $2,499 0.05%
$2,500 - $9,999 0.05%
$10,000 or more 0.05%


1The APY may change after account opening. Minimum amount to open a Business Savings Account is $5. Transaction restrictions apply.


Business Money Market1

Rates Effective 11/01/2020

Tier Annual Percentage Yield (APY*)
Business Money Market under $2,500  0%

$2,500 - $24,999 0.05%

$25,000 - $99,999 0.10%

$100,000 - $249,999 0.10%

$250,000 or more 0.10%


1The APY may change after account opening. Minimum amount to open a Money Market account is $2,500. Minimum amount to open a Premium Money Market account is $50,000. Transaction Limitations apply.




Business Certificates1

Rates Effective 11/01/2020

Tier Annual Percentage Yield (APY)
6 Month Certificate $500 - $49,999 0.10%

$50,000 - $99,999 0.10%

$100,000 or more 0.15%
12 Month Certificate $500 - $49,999 0.10%

$50,000 - $99,999 0.15%

$100,000 or more 0.20%
24 Month Certificate $500 - $49,999 0.15%

$50,000 - $99,999 0.25%

$100,000 or more 0.30%
36 Month Certificate $500 - $49,999 0.60%

$50,000 - $99,999 0.75%

$100,000 or more 0.80%
48 Month Certificate $500 - $49,999 0.30%

$50,000 - $99,999 0.45%

$100,000 or more 0.50%
60 Month Certificate $500 - $49,999 0.35%

$50,000 - $99,999 0.55%

$100,000 or more 0.60%
18 Month Bump Rate Special $2,500 - $49,999 0.10%

$50,000 - $99,999 0.15%

$100,000 or more 0.20%


1
Rates for all accounts are accurate as of the date of this rate sheet and are subject to change without notice. For all Certificate accounts there may be a penalty for early withdrawal. APY assumes that all interest will remain on deposit until maturity, a withdrawal will reduce earnings. For 18-month Bump Certificates, you may increase your rate once during the certificate term to the rate currently in effect for the 18-month Bump Certificate.


















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