--- title: "Advancial Credit Union Rates: Vehicle 5.28%, Mortgage 6.95%" description: "Advancial Credit Union rates today: 30 year fixed mortgage 6.95% APR, vehicle loans from 5.28% APR. Every rate verified daily from the official website — no pay-to-rank. See who can join Advancial Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/texas/advancial" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Advancial Credit Union Rates: Vehicle 5.28%, Mortgage 6.95% ### Mortgage rates 10 offers | Product | Published | Rate | Term / condition | Status | | **30-Year Fixed** 30 year fixed | — APR | 6.750% | — | Standard | | **30-Year Fixed** 30 year fixed | 6.950% APR | 6.750% | — | Standard | | **Jumbo 30-Year Fixed** 30 year fixed | — APR | 7.000% | — | Standard | | **Jumbo 30-Year Fixed** 30 year fixed | 7.140% APR | 7.000% | — | Standard | | **15-Year Fixed** 15 year fixed | — APR | 6.250% | — | Standard | | **15-Year Fixed** 15 year fixed | 6.550% APR | 6.250% | — | Standard | | **Jumbo 15-Year Fixed** 15 year fixed | — APR | 6.750% | — | Standard | | **Jumbo 15-Year Fixed** 15 year fixed | 7.000% APR | 6.750% | — | Standard | | **20-Year Fixed** 20 year fixed | — APR | 6.990% | — | Standard | | **20-Year Fixed** 20 year fixed | 7.300% APR | 6.990% | — | Standard | Advancial Credit Union mortgage rates as of November 12, 2026 ### Auto & vehicle rates 25 offers | Product | Published | Rate | Term / condition | Status | | **36-Month Auto Loan** auto_any_36mo | — APR | 5.050% | 36 mo | Standard | | **48-Month Auto Loan** auto_any_48mo | — APR | 5.280% | 48 mo | Standard | | **Auto Loan** auto | 5.280% APR | 5.050% | — | Standard | | **60-Month Auto Loan** auto_any_60mo | — APR | 5.490% | 60 mo | Standard | | **72-Month Auto Loan** auto_any_72mo | — APR | 6.250% | 72 mo | Standard | | **48-Month Boat Loan** boat_any_48mo | — APR | 6.610% | 48 mo | Standard | | **60-Month Boat Loan** boat_any_60mo | — APR | 6.810% | 60 mo | Standard | | **84-Month Auto Loan** auto_any_84mo | — APR | 6.850% | 84 mo | Standard | | **72-Month Boat Loan** boat_any_72mo | — APR | 6.960% | 72 mo | Standard | | **Motor Home & Travel Trailer²** rv_any_48mo | — APR | 6.980% | 48 mo | Standard | | **84-Month Boat Loan** boat_any_84mo | — APR | 7.170% | 84 mo | Standard | | **Motor Home & Travel Trailer²** rv_any_60mo | — APR | 7.200% | 60 mo | Standard | | **Motorcycle, Jet Ski, ATV & Pop-up Camper²** motorcycle_any_36mo | — APR | 7.330% | 36 mo | Standard | | **Motor Home & Travel Trailer²** rv_any_72mo | — APR | 7.350% | 72 mo | Standard | | **120-Month Boat Loan** boat_any_120mo | — APR | 7.460% | 120 mo | Standard | | **144-Month Boat Loan** boat_any_144mo | — APR | 7.470% | 144 mo | Standard | | **Motor Home & Travel Trailer²** rv_any_84mo | — APR | 7.550% | 84 mo | Standard | | **Motorcycle, Jet Ski, ATV & Pop-up Camper²** motorcycle_any_48mo | — APR | 7.560% | 48 mo | Standard | | **Motorcycle, Jet Ski, ATV & Pop-up Camper²** motorcycle | 7.560% APR | 7.330% | — | Standard | | **Motor Home & Travel Trailer²** rv_any_120mo | — APR | 7.750% | 120 mo | Standard | | **Motor Home & Travel Trailer²** rv_any_144mo | — APR | 7.770% | 144 mo | Standard | | **Motorcycle, Jet Ski, ATV & Pop-up Camper²** motorcycle_any_60mo | — APR | 7.800% | 60 mo | Standard | | **Motor Home & Travel Trailer²** rv_any_180mo | — APR | 7.950% | 180 mo | Standard | | **Motorcycle, Jet Ski, ATV & Pop-up Camper²** motorcycle_any_72mo | — APR | 7.960% | 72 mo | Standard | | **180-Month Boat Loan** boat_any_180mo | — APR | 8.030% | 180 mo | Standard | Advancial Credit Union auto & vehicle rates as of November 12, 2026 ### HELOC rates 2 offers | Product | Published | Rate | Term / condition | Status | | **Home Equity Loan** heloc | — APR | 6.240% | — | Standard | | **HELOC (Variable)** heloc_variable | — APR | 7.500% | — | Standard | Advancial Credit Union heloc rates as of November 12, 2026 ### Personal loan rates 4 offers | Product | Published | Rate | Term / condition | Status | | **Advancial Assistance³** personal_unsecured_60mo | — APR | 7.510% | 60 mo | Standard | | **Advancial Assistance³** personal_unsecured_72mo | — APR | 7.680% | 72 mo | Standard | | **True Line of Credit** ploc_variable | — APR | 9.900% | 36 mo | Standard | | **Signature⁴** other | — APR | 9.900% | — | Standard | Advancial Credit Union personal loan rates as of November 12, 2026 ### Credit card rates 4 offers | Product | Published | Rate | Term / condition | Status | | **Dinero Visa** credit_card | — APR | 9.900% | — | Standard | | **Visa® Rewards Plus** credit_card_rewards | — APR | 9.900% | — | Standard | | **Business Credit Card** credit_card_business | — APR | 11.900% | — | Standard | | **Secured Credit Card** credit_card_secured | — APR | 17.900% | — | Standard | Advancial Credit Union credit card rates as of November 12, 2026 ### Savings & CD rates 11 offers | Product | Published | Rate | Term / condition | Status | | **Business Money Market** money_market | — APY | 0.46% | 48 mo | Eligibility restricted | | **Premium Money Market** money_market | — APY | 1.21% | 48 mo | Standard | | **Premium Money Market** money_market | — APY | 1.22% | 60 mo | Standard | | **Regular, IRA & Business Certificate** ira_cd_60mo | — APY | 2.42% | 60 mo | Eligibility restricted | | **Regular, IRA & Business Certificate** ira_cd_72mo | — APY | 2.45% | 72 mo | Eligibility restricted | | **Regular, IRA & Business Junior Jumbo Certificate** ira_cd_60mo | — APY | 2.52% | 60 mo | Eligibility restricted | | **Regular, IRA & Business Junior Jumbo Certificate** ira_cd_72mo | — APY | 2.55% | 72 mo | Eligibility restricted | | **Regular, IRA & Business Jumbo Certificate** ira_cd_60mo | — APY | 2.62% | 60 mo | Eligibility restricted | | **Regular, IRA & Business Jumbo Certificate** ira_cd_72mo | — APY | 2.65% | 72 mo | Eligibility restricted | | **Money Musketeers® Starter Certificate¹** cd_60mo | — APY | 2.92% | 60 mo | Standard | | **Money Musketeers® Starter Certificate¹** cd_72mo | — APY | 2.96% | 72 mo | Standard | Advancial Credit Union savings & cd rates as of November 12, 2026 ### Other rates 2 offers | Product | Published | Rate | Term / condition | Status | | **Stock-Secured** other | — % | 5.540% | — | Standard | | **Advancial Assistance³** other | — % | 6.240% | — | Standard | Advancial Credit Union other rates as of November 12, 2026 As of November 12, 2026, Advancial Credit Union offers a 30-year fixed mortgage at 6.95% APR (0.72 points). Vehicle loans available from 5.28% APR. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/texas/advancial) , verified from [Advancial Credit Union's official website](https://www.advancial.org/) Best product position **Room to improve vs. the Texas median** 15-year fixed mortgage Gap to state best **15 bp** 15 bp from state best Vs. state median **5 bp behind median** 15-year fixed mortgage Products ranked **2** across tracked Texas markets | Product | Published APR | Position | Vs. state best | Vs. state median | | 30-year fixed mortgage | 6.95% | Room to improve vs. the Texas median | 153 bp from state best | 7 bp behind median | | 15-year fixed mortgage | 6.55% | Room to improve vs. the Texas median | 15 bp from state best | 5 bp behind median | Published rate position by product as of November 13, 2026 This is the public snapshot. Claim Advancial Credit Union's profile to see the full product-by-product breakdown, how the gap to the state best has moved over time, and the near-misses where a small change would move you up. [See the full breakdown →](https://rateapi.dev/for-credit-unions/claim?cu=advancial&state=texas&code=TX&name=Advancial%20Credit%20Union) Loading branch locator… ## About Advancial Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 141.7K Assets $2.4B Founded 1937 Locations reported 17 NCUA charter 2285 Charter type Federal credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Mobile payments - First-time homebuyer program - Bilingual services - 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. [**Navy Federal Credit Union** Northeast Dallas TX · Dallas · TX · 75231 About 1.1 miles away](https://rateapi.dev/credit-unions/virginia/navy-federal-credit-union) [**America's** Royal Branch · Dallas · TX · 75231-2219 About 1.7 miles away](https://rateapi.dev/credit-unions/texas/americas) [**Resource One** North Dallas · Dallas · TX · 75251-1317 About 3.5 miles away](https://rateapi.dev/credit-unions/texas/resource-one) [**Texans** Preston & Forest · Dallas · TX · 75230 About 4.2 miles away](https://rateapi.dev/credit-unions/texas/texans) [**City** Cityview · Dallas · TX · 75228 About 5.2 miles away](https://rateapi.dev/credit-unions/texas/city) [**Lone Star** Ferguson Rd · Dallas · TX · 75228 About 5.2 miles away](https://rateapi.dev/credit-unions/texas/lone-star) 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 Advancial Credit Union Membership eligibility from Advancial Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Advancial Credit Union's website. Check the membership page below to confirm whether you qualify. - Association Select Association Groups Verified from [Advancial Credit Union's membership page](https://www.advancial.org/membership-information) . Final membership determination is always made by the credit union. ## Membership rules for Advancial Credit Union Associations · Family 2 3 published paths to membership, last verified August 27, 2026, quoted from Advancial Credit Union’s own published criteria. Source-page proposal coverage: 3 of 4 extracted claims verified; 2 withheld. Only verified rules are shown here. This measures claims found on the reviewed source page, not every possible real-world membership path. ### Associations 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Member of Select Association Groups “An employee or member of one of our Select Employer Groups or Associations” > [source ↗](https://www.advancial.org/membership-information) - Member of Select Association 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 spouse, significant other, parent, grandparent, brother, sister, grandchild, stepparent, stepchild, stepsibling, household member “An immediate family member or household member of one of the above” > [source ↗](https://www.advancial.org/membership-information) - Family member (spouse, significant other, parent, grandparent, brother, sister, grandchild, stepparent, stepchild, stepsibling, household member) of a member - Family of a member immediate family, household member “An immediate family member or household member of one of the above” > [source ↗](https://www.advancial.org/membership-information) - Family member (immediate family, household member) of a member 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 Advancial Credit Union? Yes No ## Work at Advancial 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 Advancial Credit Union ranks against Texas peers. - See which AI assistants fetched Advancial Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Texas - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=advancial&state=texas&code=TX&name=Advancial%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Advancial Credit Union offer? Advancial Credit Union currently offers mortgage, vehicle loan, HELOC, personal loan, 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 Advancial Credit Union rates updated? RateAPI verifies Advancial 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 Advancial Credit Union's rate data? Rate data is collected directly from Advancial Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What is Advancial Credit Union's mortgage rate? As of November 12, 2026, Advancial Credit Union offers a 30-year fixed mortgage at 6.95% APR. ### What are Advancial Credit Union's auto, rv, boat & motorcycle loan rates? As of November 12, 2026, Advancial Credit Union offers vehicle loans from 5.28% APR. ### Who can join Advancial Credit Union? Advancial Credit Union publishes its membership criteria on its own website. RateAPI tracks 3 published membership paths covering 1 association for Advancial Credit Union, each quoted from Advancial Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Advancial Credit Union's rates against national credit-union benchmarks. [More Texas credit unions](https://rateapi.dev/credit-unions/texas) [Texas mortgage rate leaders](https://rateapi.dev/mortgage-rates/texas) [Texas auto loan rate leaders](https://rateapi.dev/auto-loan-rates/texas) [Texas HELOC rate leaders](https://rateapi.dev/heloc-rates/texas) [Texas personal loan leaders](https://rateapi.dev/personal-loan-rates/texas) [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.advancial.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 Advancial Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Texas 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 Advancial Credit Union curl "https://api.rateapi.dev/credit-unions/texas /advancial " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Advancial Credit Union locations Search, filter, and browse all 17 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/texas/advancial Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp