bank rates

Advancial FCU: 5-Year CD Pays 2.41%

Folded $20 bill

UPDATE 6/2/15: Advancial is now paying 2.39% APY on its 60-month term, 1.98% APY on its 48-month term and 1.58% APY on its 36-month term with a $25,000 minimum deposit. Add a tenth of a point with a $50,000 deposit.

UPDATE 5/1/15: Advancial is now paying 2.23% APY on its 60-month term, 1.86% APY on its 48-month term and 1.49% APY on its 36-month term with a $25,000 minimum deposit. Add a tenth of a point with a $50,000 deposit.

Advancial Federal Credit Union has three top CD rates for its 65,000 members in five states.

With a $25,000 minimum deposit, it pays:

  • 1.52% APY for 36-month CDs.
  • 1.98% APY for 48-month CDs.
  • 2.41% APY for 60-month CDs.

Beating the top nationally available 60-month offer on our CD Rates Leaderboard is tough these days, but this one is a tenth of a percentage point higher.

And you can add a tenth of a percentage point to each of these deals with a $50,000 minimum deposit.

You must be a member of Advancial Federal Credit Union to buy these certificates of deposit.

For the most part, membership is limited to members and employees of the credit union’s select employee groups, as well as their immediate family and household members. That list isn’t on the website, so a bank representative recommended calling if you live near a branch.

Those are in Anchorage, Alaska; Hampton, New Jersey; Houston; Lafayette, Louisiana; and Oklahoma City.

But in Louisiana, anyone who lives in Advancial Federal Credit Union’s service area can join. That’s the eight parishes of Acadia, Avoyelles, Evangeline, Iberia, Lafayette, St. Landry, St. Martin and Vermilion.

Membership requires a $5 deposit in a share savings account.

Members can buy CDs over the phone, by mail, online or in person at a branch.

Learn more about Advancial Federal Credit Union at www.advancial.org or call 800-322-2709.

See how these returns compare with the best CD rates from scores of banks in our extensive database.

UPDATE 4/3/2015: These rates are trending downward again: 60-month pays 2.21% APY; 48-month, 1.85% APY; and 36-month, 1.50% APY.

UPDATE 3/20/2015: Good news! These rates are on the rise: 60-month now pays 2.31% APY; 48-month, 1.93% APY; and 36-month, 1.56% APY.

UPDATE 2/3/2015: There’s more slippage: 60-month now pays 2.12% APY; 48-month pays 1.76% APY; and 36-month pays 1.43% APY.

UPDATE 1/6/2015: These rates are on the move again in 2015: 60-month now pays 2.27% APY; 48-month pays 1.97% APY; 36-month pays 1.57% APY.

UPDATE 12/2/2014: Advancial has just raised these rates: 60-month now pays 2.37% APY; 48-month, 2.00% APY; 36-month, 1.54% APY.

UPDATE 11/4/2014: Advancial has lowered these rates: 60-month now pays 2.32% APY; 48-month, 1.96% APY; 36-month, 1.50% APY.

UPDATE 10/3/2014:Advancial has raised these rates: 60-month now pays 2.52% APY; 48-month pays 2.12% APY; 36-month pays 1.65% APY.

UPDATE 9/5/2014: Advancial has lowered these rates: 60-month now pays 2.38% APY; 48-month pays 2.00% APY; 36-month pays 1.54% APY.

UPDATE 8/5/2014: Advancial has just raised these rates: 60-month now pays 2.47% APY; 48-month pays 2.07% APY; 36-month pays 1.59% APY.

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