Advanced Financial Federal Credit Union

Advanced Financial

Federal  Credit  Union

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Advanced Financial Federal Credit Union can help you manage your money with a variety of savings products and features while providing the personal attention of a local financial institution. Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.

Share Certificates

Need your money to work a little harder for you? Do you have an extra $500+ that you won't need to use soon? A certificate could be the perfect addition to your member account. You can set up a certificate ladder with multiple certificates maturing every 6 or 12 months or one with a target maturity when you expect to need to use the funds.

  • Terms from 6 months to 5 years
  • Minimum deposit of $500.00
  • Dividends calculated and posted monthly
  • Penalty for early withdrawal equal to 3 month’s dividend


60th Anniversary Special

Advanced Financial is celebrating our milestone 60th anniversary in a big way! For a limited time, you can take advantage of our 3-month 60th Anniversary Share Certificate Special and earn an impressive 4.157% APY to help you reach your financial goals faster.

This special rate requires a minimum deposit of $10,000 or more. Funds can come from new money, transferred from an existing share account, or rolled over from a maturing certificate with another term.

Open your short-term 3-month share certificate by visiting any of our four branches by November 30.

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Current Rates
  • SC 3 Mo. 60th Anniversary Special 4.08% ; 4.16 APY*  
  • SC 6 Mo. 3.98% ; 4.05 APY*  
  • SC 12 Mo. 3.35% ; 3.40 APY*  
  • SC 24 Mo. 3.25% ; 3.30 APY*  
  • SC 36 Mo. 3.25% ; 3.30 APY*  
  • SC 48 Mo. 3.25% ; 3.30 APY*  
  • SC 60 Mo. 3.25% ; 3.30 APY*  
Rates as of 9/29/2025

IRA Accounts

Saving for retirement can happen in many ways. Even if you have an employer based 401(k) plan or pension you may still be able to use an IRA (Individual Retirement Account) to enhance your retirement savings We offer both Traditional and Roth IRAs. More people than ever before are able to contribute to IRAs and benefit from the great tax advantages. So regardless of what stage of life you're in, an IRA at Advanced Financial FCU can help.

IRA's For Every Stage Of Life

  • Starting your career
    As you start your career, start building your retirement plan. A Roth IRA can provide you with tax-free withdrawals when you retire. Roth contributions are made after taxes so withdrawals during retirement are not subject to taxes. Contributions to a traditional IRA may reduce your taxable income while you are working and while withdrawals during retirement will be taxed, you may likely be in a lower tax bracket.
  • Planning as a couple
    We can help both you and your spouse or partner start IRAs. Use individual IRA accounts to add to your retirement savings and make part of your long term retirement plan.
  • Flexibility for a growing family
    Your IRA investment can potentially be used for a first-time home purchase or qualified educational expenses.
  • Securing your retirement
    If you're nearing retirement, or even if you're already retired, consider a safe, secure credit union IRA. As a bonus, there are increased contribution limits if you are age 50 or older.

IRA accounts are separately insured up to $250,000 by the National Credit Union Administration share insurance fund (NCUSIF).

To Learn more about full IRS requirements for IRA Accounts, visit:

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Current Rates
  • IRA Roth or Traditional SC 6 Mo. 3.98% ; 4.05 APY*  
  • IRA Roth or Traditional SC 12 Mo. 3.35% ; 3.40 APY*  
  • IRA Roth or Traditional SC 24 Mo. 3.25% ; 3.30 APY*  
  • IRA Roth or Traditional SC 36 Mo. 3.25% ; 3.30 APY*  
  • IRA Roth or Traditional SC 48 Mo. 3.25% ; 3.30 APY*  
  • IRA Roth or Traditional SC 60 Mo. 3.25% ; 3.30 APY*  
Rates as of 9/29/2025


* APY = Annual Percentage Yield.   |    ** Fees could affect earnings. | $500 Minimum opening balance; $500 Minimum balance to earn dividends. Rates and yields are subject to change. Early withdrawal penalties may apply. The early withdrawal penalty for all terms is 90 days' dividends.
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Advanced Financial
Federal Credit Union
New Providence | Roselle | Scotch Plains | West Orange
800-237-5626
memberservices@advfinfcu.com

Our routing number for direct Deposits: 221276817
Federally Insured by NCUA
We do business in accordance with the fair housing law and equal opportunity act

Member of NCUA Equal Housing Lender Excess Share Insurance
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