Advanced Financial Federal Credit Union

Advanced Financial

Federal  Credit  Union

Banking… Only Better
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.

Savings Accounts

Open a Primary Share Savings account today and you're automatically a member with an ownership share in our credit union. It's simple: Deposit your money, watch it grow, and start making a difference in your financial life with a financial partner that cares about what you're trying to accomplish.

  • Open your account with a minimum $5 deposit and maintain this minimum balance to earn dividends.
  • Set up a direct deposit to steadily feed your savings.
  • Free 24/7 Online and Mobile Banking and 24/7 Bank-By-Phone
  • Free e-statements
  • Add multiple additional sub-share accounts for special purposes like saving for season tickets, a wedding, milestone birthday or anniversary – whatever fuels your dreams!
Current Rates
  • Share Savings 0.20% ; 0.20 APY*  
Rates as of 11/25/2024

Kids Savings Accounts

It’s never too early to start saving and developing money management skills! Get your child or grandchild started now. Our Kids Savings accounts are designed for members from birth to age 18.

You’ll need some basic information to get started:

  • Social Security Number, and at least one of the following:
    • Child’s State Identification
    • Child’s Passport
    • Child’s Birth Certificate
  • An adult joint owner must be on the account and will need to provide their government issued photo identification, social security number and address and contact information.
  • Set up a transfer from your direct deposit to feed their savings steadily and watch your Kids Savings grow.
Current Rates
  • Share Savings 0.20% ; 0.20 APY*  
Rates as of 11/25/2024

Holiday Savings Accounts

You set the amount and make deposits by direct deposit, payroll deduction transfers, cash or check. Holiday Club accounts can be opened anytime you wish and mature each October. Funds automatically transfer to the Primary Share Savings Account upon maturity. Automated deposits renew automatically so you’ll always be saving for the coming year.

  • No monthly service fees.
  • No minimum balance requirements
  • Free digital banking, including:
    Online banking, Mobile banking, and e-statements
Current Rates
  • Holiday 0.20% ; 0.20 APY*  
Rates as of 11/25/2024

Vacation Savings Accounts

You set the amount and make deposits by direct deposit, payroll deduction transfers, cash or check. Vacation Club accounts can be opened anytime you wish and mature each April. Funds automatically transfer to the Primary Share Savings Account upon maturity. Automated deposits renew automatically so you’ll always be saving for the coming year.

  • No monthly service fees
  • No minimum balance requirements
  • Free digital banking, including:
    Online banking, Mobile banking, and e-statements
Current Rates
  • Vacation 0.20% ; 0.20 APY*  
Rates as of 11/25/2024

Money Market Accounts

We know it’s important for you to have access to your money. With an Advanced Financial Credit Union Money Market account, your funds will be liquid while earning a higher dividend rate than the primary share savings account.

  • Open your account with a $2,000 minimum deposit
  • Keep a $2,000 minimum balance to earn dividends
  • Dividends are tiered and paid monthly calculated on the average dally balance for the month.
Current Rates
  • MM $2,000 - $19,999 1.10% ; 1.11 APY*  
  • MM $20,000 - $49,999 1.30% ; 1.31 APY*  
  • MM $50,000 - $99,999 1.85% ; 1.87 APY*  
  • MM $100,000 - $249,999 2.20% ; 2.22 APY*  
  • MM $250,000 to $499,999 2.50% ; 2.53 APY*  
  • MM $500,000 and above 2.75% ; 2.78 APY*  

  • **Fees could affect earnings
Rates as of 11/25/2024

* APY = Annual Percentage Yield.   |    ** Fees could affect earnings. | Money Market: Minimum deposit to open $2,000 Minimum balance to earn dividends $2,000. | Share Savings: Min. deposit $5.00 Minimum balance to earn dividends $5.00. | Holiday Account: Min deposit $0.01 Minimum balance to earn dividends $0.01. | Vacation Accounts: Minimum deposit $0.01 Minimum balance to earn dividends $0.01.
Advanced Financial
Federal Credit Union
New Providence | Roselle | Scotch Plains | West Orange

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