Advanced Financial Federal Credit Union

Advanced Financial

Federal  Credit  Union

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Current Rates

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 12/31/2025
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Money Market

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

0.95% ; 0.95 % APY*;
MM $2,000 - $19,999
1.15% ; 1.16 % APY*;
MM $20,000 - $49,999
1.65% ; 1.66 % APY*;
MM $50,000 - $99,999
2.05% ; 2.07 % APY*;
MM $100,000 - $249,999
2.45% ; 2.48 % APY*;
MM $250,000 to $499,999
2.85% ; 2.89 % APY*;
MM $500,000 and above
Rates As Of 12/31/2025
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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.

3.60% ; 3.66 % APY*;
SC 6 Mo.
3.25% ; 3.30 % APY*;
SC 12 Mo.
3.55% ; 3.61 % APY*;
SC 24 Mo.
3.45% ; 3.51 % APY*;
SC 36 Mo.
3.45% ; 3.51 % APY*;
SC 48 Mo.
3.45% ; 3.51 % APY*;
SC 60 Mo.
Rates As Of 12/31/2025
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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 12/31/2025
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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.

3.60% ; 3.66 % APY*;
IRA Traditional SC 6 Mo.
3.25% ; 3.30 % APY*;
IRA Roth or Traditional SC 12 Mo.
3.55% ; 3.61 % APY*;
IRA Roth or Traditional SC 24 Mo.
3.45% ; 3.51 % APY*;
IRA Roth or Traditional SC 36 Mo.
3.45% ; 3.51 % APY*;
IRA Roth or Traditional SC 48 Mo.
3.45% ; 3.51 % APY*;
IRA Roth or Traditional SC 60 Mo.
Rates As Of 12/31/2025
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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 12/31/2025
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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 5.25% APR*
New Vehicle/Motorcycle
Terms: Up to 72 months.
As Low As 5.75% 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 12/31/2025
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Credit Card

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

as low as 14.24% APR*
VISA Everyday Rewards
as low as 12.24% APR*
VISA Everyday Classic
Rates As Of 12/31/2025
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 6.50% APR*
Home Equity 7 yr Fixed
Up to 75% CLTV
As low as 6.75% APR*
Home Equity 10 yr Fixed
Up to 75% CLTV
As low as 7.00% 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 12-11-25 is 6.75%
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 12/31/2025
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* APY = Annual Percentage Yield; APR = Annual Percentage Rate
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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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