Frequently Asked Questions

Your deposits are federally insured up to a total of $250,000 per ownership interest by the National Credit Union Association (NCUA).

NCUA insurance is the equivalent of FDIC (Federal Deposit Insurance Corporation) insurance. The difference is that the NCUA works with credit unions while the FDIC works with banks

You can withdraw money in a few ways:

- Visit the branch
- Online funds transfer
- Outgoing wire transfer
- Telephone transfer
- Check request

Log into Online Banking and click on the account you’d like to view. The transactions will appear beginning with the most recent.

Yes, in addition to continued fraud monitoring, all of your deposits are federally insured, up to $250,000 through the NCUA.

Our ABA routing number is 221276817

Looking for the service fees listing? Click here for our current list of service fees

You can find our forms by clicking here clicking here.

For information about closing your account, please contact a Member Service Representative for help. Please check our “Contact Us” page for hours and phone numbers

Use our ATM locator to find one of our 80,000+ surcharge-free ATMs near you, including deposit-taking ATMs.

If your human resources department offers direct deposit, ask them for their direct deposit form. You’ll typically need to provide them with Advanced Financials’ routing number (221276817), your checking/savings account number, and your account type. You can also set up a direct deposit using this direct deposit form.

See this fillable PDF for instruction on wiring funds into an Advanced Financial FCU account. Download PDF.

Instructions on processing and handling of deceased account holders can be found on thie PDF document below. IRA Accounts will be distributed according to beneficiary designations. NOTE: Power of Attorney (POA) is no longer valid on the death of the individual who granted the POA. Download Instructions.

Your username can be blocked when your security questions have been incorrectly answered. To request that your username be unblocked, please contact a Member Service Representative at 800-237-5626.

If you have forgotten your online username or password, please click the 'Forgot?' link located in the blue box in the upper right-hand corner.
Simply choose 'Forgot Username' or 'Forgot Password, and the link will direct you through the process to re-establish your login username or password.

Mobile Check Deposit works by using the camera on your phone to capture an image of the check. The image is processed the same way as making a deposit at a branch or at an ATM. None of the check images are stored on your phone, so you can rest assured that it is secure. Your check image is transmitted for processing and verification. Funds are credited to your account, subject to holds and verification.

Yes. Using the camera on your smartphone, you can deposit a check into your account remotely using the Digital Banking app.

What is Zelle®?
Zelle® is a fast, safe and easy way to send money directly between almost any bank or credit union account in the U.S., typically within minutes1. With just an email address or U.S. mobile phone number, you can send money to people you trust, regardless of where they bank.

How do I use Zelle®?

To send money using Zelle®, simply select someone from your mobile device’s contacts (or add a trusted recipient’s email address or U.S. mobile phone number), add the amount you’d like to send and an optional note, review, then hit “Send.” In most cases, the money is available to your recipient in minutes.

To receive money, just share your enrolled email address or U.S. mobile phone number with a friend and ask them to send you money with Zelle®. If you have already enrolled with Zelle®, you do not need to take any further action. The money will be sent directly into your account, typically within minutes

Is my information secure?
Keeping your money and information safe is a top priority. When you use Zelle® within our mobile app, your information is protected with the same technology we use to keep your Advanced Financial Federal Credit Union account safe.

Can I use Zelle® internationally?
To use Zelle®, the sender and recipient’s bank or credit union accounts must be based in the U.S.

Will the person I send money to be notified?
Yes! They will receive an email or text message notification via the email or U.S. mobile number they used to enroll with Zelle®. Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

We finance new and used vehicles up to 7 years old. Certain restrictions apply for older vehicles, ask your loan officer for details.

GAP pays the difference between the actual cash value of a vehicle up to the balance remaining after your auto insurance company settles your claim in the event your auto is in an accident and is declared a total loss.

Your loan officer can provide you with a Pre-Approval letter that you can provide to a dealer.

Yes. The minimum deposit needed to open an account is as low as $500

A certificate is going to earn a fixed rate for the entire term, as opposed to a savings account having a fluctuating rate. No matter what happens to certificate rates, you are guaranteed the rate that you lock in at for the entire term.

Available terms are 6, 12, 18,24, 36, 48, and 60 months. Occasionally, other terms are available on a promotional basis.