Advanced Financial Federal Credit Union

Advanced Financial

Federal  Credit  Union

Banking… Only Better
Credit Union
ONLINE
BANKING
Advanced Financial Federal Credit Union can offer more competitive rates because we don't serve stockholders,
we serve you — our members.

Current Rates

Advanced Financial offers our members low rates because we are not serving our stockholders, we are serving you, our members.

Savings

Current Rates on Share Savings, Holiday and Vacation Club accounts *Fees can affect earnings

0.20% ; 0.20 % APY*;
Share Savings
Minimum deposit $5.00 Minimum balance to earn dividends $5.00
0.20% ; 0.20 % APY*;
Holiday
Minimum deposit $0.01 Minimum balance to earn dividends $0.01
0.20% ; 0.20 % APY*;
Vacation
Minimum deposit $0.01 Minimum balance to earn dividends $0.01
Rates As Of 9/23/2024
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Money Market

Minimum deposit to open $2,000 Minimum balance to earn dividends $2,000 *Fees can affect earnings

1.10% ; 1.11 % APY*;
MM $2,000 - $19,999
1.30% ; 1.31 % APY*;
MM $20,000 - $49,999
1.85% ; 1.87 % APY*;
MM $50,000 - $99,999
2.20% ; 2.22 % APY*;
MM $100,000 - $249,999
2.50% ; 2.53 % APY*;
MM $250,000 to $499,999
2.75% ; 2.78 % APY*;
MM $500,000 and above
Rates As Of 9/23/2024
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Dividend Calculator
Share Certificates

Current Rates on Share Certificates. $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.

3.95% ; 4.02 % APY*;
SC 6 Mo.
4.15% ; 4.23 % APY*;
SC 9 Mo.
4.05% ; 4.13 % APY*;
SC 12 Mo.
3.95% ; 4.02 % APY*;
SC 18 Mo.
3.85% ; 3.92 % APY*;
SC 24 Mo.
3.65% ; 3.71 % APY*;
SC 36 Mo.
3.25% ; 3.30 % APY*;
SC 48 Mo.
3.25% ; 3.30 % APY*;
SC 60 Mo.
Rates As Of 9/23/2024
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Dividend Calculator
IRA Share Savings Accounts

Current Rates on IRA Share Savings Accounts *Fees can affect earnings

0.20% ; 0.20 % APY*;
IRA Roth/Traditional Savings
0.20% ; 0.20 % APY*;
Education ESA
Rates As Of 9/23/2024
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Dividend Calculator
IRA Accounts

Current Rates on Individual Retirement Certificate Accounts $500 Minimum opening deposit; $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.

3.95% ; 4.02 % APY*;
IRA Roth or Traditional SC 6 Mo.
4.05% ; 4.13 % APY*;
IRA Roth or Traditional SC 12 Mo.
3.95% ; 4.02 % APY*;
IRA Roth or Traditional SC 18 Mo.
3.85% ; 3.92 % APY*;
IRA Roth or Traditional SC 24 Mo.
3.65% ; 3.71 % 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.
Rates As Of 9/23/2024
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Dividend Calculator
Secured Loan

Current Rates on Secured Loans. Maximum APR on all share or certificate secured loans is 18.00%

As Low as 4.90% APR*
Share Secured Loan
Varies based on CT used to secure
Certificate Secured Loan
Rates As Of 9/23/2024
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Consumer Loans

Current Rates on Vehicle, Motorcycle, and Signature Loans. Maximum APR on all loans is 18.00%

As Low As 5.75% APR*
New Vehicle/Motorcycle
Terms: Up to 72 months.
As Low As 6.75% APR*
Used Vehicle/Motorcycle
Terms: Up to 72 months.
As low as 9.90% APR*
Signature Line of Credit
As low as 9.90% APR*
Personal Signature Loan
Rates As Of 9/23/2024
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Credit Card

Current Rates on Credit Cards. Maximum APR on all credit card loans is 18.00%

as low as 15.49% APR*
VISA Everyday Rewards
as low as 13.49% APR*
VISA Everyday Classic
Rates As Of 9/23/2024
Real Estate Loans

Fixed Rate Home Equity Loans (2nd mortgage) Variable Rate Home Equity Line of Credit Loans (HELOC) Maximum APR on all real estate secured loans is 18.00%


* Click Here For A Rate Quote
First Mortgage
As low as 6.25% APR*
Home Equity 5 yr Fixed
Up to 75% CLTV
As low as 6.85% APR*
Home Equity 7 yr Fixed
Up to 75% CLTV
As low as 7.45% APR*
Home Equity 10 yr Fixed
Up to 75% CLTV
As low as 8.05% APR*
Home Equity 15 yr Fixed
Up to 75% CLTV
APR* as low as Prime + 0.50%
(floor rate is 4.75% APR*)
Prime as of 9-19-24 is 8.00%
Home Equity Line of Credit 15 Yr Adjustable
All rates quoted as Annual Percentage Rate (APR*) All rates are subject to change at any time. Up to 75% CLTV
Rates As Of 9/23/2024
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* APY = Annual Percentage Yield; APR = Annual Percentage Rate
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Branches
Digital
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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