--- title: "Advantage Credit Union Rates (Nov 2026): Auto 4.99%, CDs to 3.03%" description: "Advantage Credit Union rates today: auto loans from 4.99% APR, savings & CDs up to 3.03% APY. Every rate verified daily from the official website — no pay-to-rank. See who can join Advantage Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/new-york/advantage" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Advantage Credit Union Rates (Nov 2026): Auto 4.99%, CDs to 3.03% ### Mortgage rates 5 offers | Product | Published | Rate | Term / condition | Status | | **30-Year Fixed** 30 year fixed | — APR | 6.750% | — | Standard | | **15-Year Fixed** 15 year fixed | — APR | 6.750% | — | Standard | | **10-Year Fixed** 10 year fixed | — APR | 6.750% | — | Standard | | **20-Year Fixed** 20 year fixed | — APR | 6.875% | — | Standard | | **25 Year Fixed** other | — APR | 6.750% | — | Standard | Advantage Credit Union mortgage rates as of November 12, 2026 ### Auto & vehicle rates 9 offers | Product | Published | Rate | Term / condition | Status | | **Up to 60-Month Auto Loan** auto_any_60mo | — APR | 4.990% | 60 mo | Standard | | **Auto Loan** auto | 4.990% APR | 4.990% | — | Standard | | **72-Month Auto Loan** auto_any_72mo | — APR | 5.490% | 72 mo | Standard | | **60-Month Auto Loan (2024 and Newer)** auto_any_60mo | — APR | 5.990% | 60 mo | Standard | | **Lower Payment Program Auto Loans (Up to 60 Months)** auto_any_60mo | — APR | 5.990% | 60 mo | Standard | | **Lower Payment Program Auto Loans (72 Months)** auto_any_72mo | — APR | 6.490% | 72 mo | Standard | | **84-Month Auto Loan** auto_any_84mo | — APR | 6.490% | 84 mo | Standard | | **60-Month Used Auto Loan (2021–2023)** auto_used_60mo | — APR | 6.740% | 60 mo · used | Standard | | **96-Month Auto Loan** auto_any_96mo | — APR | 7.490% | 96 mo | Standard | Advantage Credit Union auto & vehicle rates as of November 12, 2026 ### HELOC rates 1 offer | Product | Published | Rate | Term / condition | Status | | ****Calculation Is 6.50% Over 30 Years** heloc | — APR | 6.500% | — | Standard | Advantage Credit Union heloc rates as of November 12, 2026 ### Credit card rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Credit Card** credit_card | — APR | 13.950% | — | Standard | Advantage Credit Union credit card rates as of November 12, 2026 ### Savings & CD rates 5 offers | Product | Published | Rate | Term / condition | Status | | **Spread-the-Check** savings | 0.03% APY | 0.03% | — | Standard | | **IRA** ira | 0.45% APY | 0.45% | — | Standard | | **Dividends Paid (Quarterly)** savings | 0.50% APY | 0.50% | — | Standard | | **Round-Up Savings***** savings | 3.03% APY | 3.00% | — | Standard | | **$7,500 - $832,700** savings | — APY | 3.99% | — | Standard | Advantage Credit Union savings & cd rates as of November 12, 2026 ### Other rates 1 offer | Product | Published | Rate | Term / condition | Status | | **New & Used** other | — % | 7.000% | — | Standard | Advantage Credit Union other rates as of November 12, 2026 Auto loans available from 4.99% APR. Savings and certificate yields up to 3.03% APY. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/new-york/advantage) , verified from [Advantage Credit Union's official website](https://www.advantagefcu.org/) Loading branch locator… ## About Advantage Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 34.5K Assets $481.7M Founded 1975 Locations reported 8 NCUA charter 24181 Charter type Federal credit union ### Services and member support - Online loan application - Electronic statements - Mobile check deposit - Financial counseling - Financial education - First-time homebuyer program - Student scholarships Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Reliant Community** Henrietta · Rochester · NY · 14623 About 1.0 miles away](https://rateapi.dev/credit-unions/new-york/reliant-community) [**The Summit** HENRIETTA · ROCHESTER · NY · 14623 About 1.9 miles away](https://rateapi.dev/credit-unions/new-york/the-summit) [**Ever $ Green** Main Office · Rochester · NY · 14623 About 2.0 miles away](https://rateapi.dev/credit-unions/new-york/ever-green) [**Family First of NY** Henrietta Branch · Rochester · NY · 14623 About 2.1 miles away](https://rateapi.dev/credit-unions/new-york/family-first-of-ny) [**Le Roy** Evergreen FCU · Henrietta · NY · 14467-9318 About 2.2 miles away](https://rateapi.dev/credit-unions/new-york/le-roy) [**Kinecta** Henrietta · Rochester · NY · 14623 About 2.6 miles away](https://rateapi.dev/credit-unions/california/kinecta) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Advantage Credit Union Membership eligibility from Advantage Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Advantage Credit Union's website. Check the membership page below to confirm whether you qualify. - Employer select employer groups, Advantage Select Employer Groups Verified from [Advantage Credit Union's membership page](https://www.advantagefcu.org/banking/membership) . Final membership determination is always made by the credit union. ## Membership rules for Advantage Credit Union Employers 4 · Family 2 6 published paths to membership, last verified August 27, 2026, quoted from Advantage Credit Union’s own published criteria. ### Employers 4 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Employee of select employer groups (as written on the source page) “along with select employer groups” > [source ↗](https://www.advantagefcu.org/) - Employee of select employer groups - Employee of Advantage Select Employer Groups “Employees, retirees and volunteers of Advantage Select Employer Groups.” > [source ↗](https://www.advantagefcu.org/banking/membership) - Employee of Advantage Select Employer Groups - Retired employee of Advantage Select Employer Groups “Employees, retirees and volunteers of Advantage Select Employer Groups.” > [source ↗](https://www.advantagefcu.org/banking/membership) - Retiree of Advantage Select Employer Groups - Volunteer with Advantage Select Employer Groups “Employees, retirees and volunteers of Advantage Select Employer Groups.” > [source ↗](https://www.advantagefcu.org/banking/membership) - Volunteer with Advantage Select Employer Groups ### Family 2 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Family of a member “and eligible family members.” > [source ↗](https://www.advantagefcu.org/) - Family member of a member - Family of someone eligible immediate family, household member “Immediate family members and household members of individuals who are eligible for membership.” > [source ↗](https://www.advantagefcu.org/banking/membership) - Family member (immediate family, household member) of an eligible person Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Advantage Credit Union? Yes No ## Work at Advantage Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Advantage Credit Union ranks against New York peers. - See which AI assistants fetched Advantage Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in New York - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=advantage&state=new-york&code=NY&name=Advantage%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Advantage Credit Union offer? Advantage Credit Union currently offers mortgage, Auto loan, HELOC, and credit card rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are Advantage Credit Union rates updated? RateAPI verifies Advantage Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get Advantage Credit Union's rate data? Rate data is collected directly from Advantage Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What are Advantage Credit Union's auto loan rates? As of November 12, 2026, Advantage Credit Union offers auto loans from 4.99% APR. ### What is Advantage Credit Union's best CD rate? As of November 12, 2026, Advantage Credit Union offers savings and certificate (CD) yields up to 3.03% APY. ### Who can join Advantage Credit Union? Advantage Credit Union publishes its membership criteria on its own website. RateAPI tracks 6 published membership paths covering 4 employers for Advantage Credit Union, each quoted from Advantage Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Advantage Credit Union's rates against national credit-union benchmarks. [More New York credit unions](https://rateapi.dev/credit-unions/new-york) [New York mortgage rate leaders](https://rateapi.dev/mortgage-rates/new-york) [New York auto loan rate leaders](https://rateapi.dev/auto-loan-rates/new-york) [New York HELOC rate leaders](https://rateapi.dev/heloc-rates/new-york) [Mortgage rate benchmark](https://rateapi.dev/mortgage-rate-benchmark) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [Credit card rates](https://rateapi.dev/credit-card-rates) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.advantagefcu.org/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Advantage Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when New York credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Advantage Credit Union curl "https://api.rateapi.dev/credit-unions/new-york /advantage " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Advantage Credit Union locations Search, filter, and browse all 8 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/new-york/advantage Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp