Advia Credit Union has served members across Michigan and Wisconsin since 1935. As a member-owned financial cooperative, every dollar deposited strengthens the communities where members live and work. The credit union operates 28 branches with more than $2 billion in assets under management.
Log in to your Advia Credit Union account to check balances, transfer funds, pay bills and manage your financial life from any device. New members can open an account online in under ten minutes.
Advia Credit Union is a federally insured, member-owned financial cooperative headquartered in Parchment, Michigan. The credit union holds over $2 billion in assets and serves more than 160,000 members through 28 branch locations across southwestern Michigan and eastern Wisconsin. Products include free checking with no minimum balance, savings accounts earning competitive dividends, fixed and adjustable-rate mortgages, auto loans, personal loans, business banking services and a full digital banking suite. Deposits are insured up to $250,000 per member by the National Credit Union Administration. Members access surcharge-free ATMs at more than 30,000 locations through the CO-OP network.
Jump directly to the most requested Advia Credit Union services and account tools.
Sign in to your Advia Credit Union account to view balances, transfer funds and manage your finances securely.
Deposit checks, send money and pay bills from your phone with the Advia Credit Union mobile app.
Compare fixed and adjustable mortgage rates from Advia Credit Union for home purchases and refinancing.
Open a free checking account with no monthly fees, no minimum balance and nationwide ATM access.
A member-owned cooperative built on competitive rates, low fees and personalized financial guidance.
Advia Credit Union returns profits to members through higher savings dividends and lower loan rates. The Free Checking account charges no monthly maintenance fee and requires no minimum balance. Rewards Checking members earn up to 3.00% APY on qualifying balances, which exceeds the national average for interest-bearing checking by a significant margin.
Savings products include regular share accounts, money market accounts with tiered rates, and share certificates with terms from 3 to 60 months. Each account earns dividends that compound and credit monthly. The NCUA insures every deposit up to $250,000 per member.
Explore Checking Accounts
The Advia Credit Union online banking platform gives members 24/7 access to accounts from any browser. Transfer funds between accounts instantly. Schedule recurring payments. Set up account alerts for low balances, large transactions or deposit confirmations. Download eStatements going back seven years.
Mobile banking extends every feature to iOS and Android devices. Deposit checks by photographing them with your phone camera. Send money to anyone with a bank account using person-to-person transfers. Lock and unlock your debit card instantly if it goes missing. The app uses biometric authentication and device-level encryption to protect every session.
Digital Banking Features
Advia Credit Union serves small businesses across Michigan and Wisconsin with checking accounts, commercial loans, lines of credit and merchant processing. The Business Checking account includes 500 free transactions per month and no monthly fee when maintaining a $2,500 average balance.
Commercial real estate loans, equipment financing and SBA-backed lending give business owners access to capital at credit union rates. Treasury management tools handle payroll, vendor payments and cash concentration for organizations that have outgrown basic business accounts. The Small Business Administration guarantees qualifying loans to reduce lender risk and improve approval rates.
Business Banking Solutions
Feedback from members who bank with Advia Credit Union across Michigan and Wisconsin.
Switched from a big bank two years ago and my auto loan rate dropped by 1.8 percentage points. The online banking portal is straightforward and the mobile deposit feature works every time without issues.
Advia Credit Union helped me close on my first home in under 30 days. The mortgage team walked me through every document and their rate was lower than three other lenders I compared. No hidden fees at closing.
We moved our bakery's business accounts to Advia Credit Union and saved over $200 a month in merchant processing fees alone. The treasury management tools handle our payroll for 14 employees without problems.
Advia Credit Union was founded in 1935 as the Kalamazoo Paper Makers Credit Union, originally serving employees of a single paper mill. Over nine decades the credit union expanded through mergers and charter amendments to serve anyone who lives, works, worships or attends school in qualifying communities across southwestern Michigan and eastern Wisconsin. The name changed to Advia in 2017, drawn from the Latin root meaning "to guide on the path."
Unlike banks that answer to shareholders, Advia Credit Union operates as a not-for-profit cooperative. Members are owners. Each member gets one vote in board elections regardless of account balance. Surplus revenue flows back to members through better rates, lower fees and community investment rather than shareholder dividends.
This cooperative structure produces measurable financial advantages. The average credit union checking account charges 78% less in fees than the average bank checking account, according to data from the National Credit Union Administration. Advia Credit Union amplifies this advantage with its Free Checking account that carries zero monthly fees and zero minimum balance requirements.
The 28-branch network spans from Benton Harbor on the Lake Michigan shoreline east to Battle Creek and north through Kalamazoo to Grand Rapids. Wisconsin locations serve members in Racine, Kenosha and surrounding communities. Each branch offers drive-through service, coin counting machines and safe deposit boxes. Saturday hours are available at most locations.
Beyond physical branches, Advia Credit Union members access more than 30,000 surcharge-free ATMs through the CO-OP ATM network. Shared branching through the CO-OP Shared Branch network adds over 5,000 credit union locations nationwide where members can make deposits, withdrawals and loan payments as if they were at an Advia Credit Union branch.
Advia Credit Union offers a full spectrum of consumer and commercial lending. Auto loans cover new and used vehicles with terms up to 84 months and rates that consistently undercut bank competitors. Personal loans provide unsecured funding from $500 to $50,000 for debt consolidation, home improvement, medical expenses or any purpose. Home equity lines of credit let homeowners borrow against their property value with interest that may be tax deductible.
The mortgage division handles conventional, FHA, VA and USDA loans. First-time homebuyer programs include reduced down payment options and homebuyer education resources. The credit union also participates in down payment assistance programs administered by the Michigan State Housing Development Authority.
The digital banking platform unifies all account management into a single interface accessible from desktop browsers and mobile devices. Members can view real-time balances across all accounts, initiate internal and external transfers, schedule bill payments to over 12,000 registered payees and download transaction history in multiple formats.
Security features include two-factor authentication with SMS or authenticator app verification, session timeouts after periods of inactivity, device registration that flags unrecognized login attempts and real-time fraud monitoring that analyzes transaction patterns. Members who suspect unauthorized activity can freeze their debit card instantly through the app or online portal without calling the branch.
The personal financial management tool within online banking categorizes spending automatically, tracks monthly budgets and displays net worth trends over time. Members link external accounts from other financial institutions to see their complete financial picture in one dashboard.
Advia Credit Union invests in the communities it serves through financial literacy programs, scholarship funds and charitable giving. The credit union offers free financial education workshops covering topics from basic budgeting to retirement planning. High school students in partner districts participate in the Advia Credit Union financial reality fair, a simulation exercise that teaches real-world money management.
The Advia Foundation provides scholarships to graduating high school seniors and awards grants to local nonprofit organizations. Employee volunteer hours support Habitat for Humanity builds, food bank operations and community cleanup events across both states.
A side-by-side look at the primary deposit and lending products available to Advia Credit Union members.
| Product | Minimum to Open | Monthly Fee | APY / Rate | Key Feature |
|---|---|---|---|---|
| Free Checking | $0 | $0 | N/A | No minimums, free debit card |
| Rewards Checking | $0 | $0 | Up to 3.00% | Earn dividends on balances |
| Regular Savings | $5 | $0 | 0.15% | NCUA insured, monthly dividends |
| Money Market | $2,500 | $0 | Up to 2.50% | Tiered rates, check writing |
| Personal Loan | $500 | N/A | From 7.49% | Unsecured, flexible terms |
| 30-Year Fixed Mortgage | 3% down | N/A | From 6.25% | Rate lock, local processing |
| Business Checking | $100 | $0* | N/A | 500 free transactions/month |
*No monthly fee with $2,500 average balance. Rates effective as of publication and subject to change.
Open your account online, by phone or at any branch. Membership takes less than ten minutes and starts with just $5.
Log In to Online Banking Find a BranchAccess your Advia Credit Union account through the online banking portal using your member credentials. First-time users must enroll with their member number and the last four digits of their Social Security number. Two-factor authentication protects every login session. If you need help, call (844) 238-4228 or visit the login guide.
Advia Credit Union provides Free Checking with no monthly fees or minimum balance, Rewards Checking that earns up to 3.00% APY on qualifying balances, and Premium Checking with enhanced benefits including free cashier's checks and safe deposit box discounts. Compare options on the checking accounts page.
Advia Credit Union deposits are federally insured up to $250,000 per member by the National Credit Union Administration. Additional coverage through Excess Share Insurance provides protection beyond the standard NCUA limit for qualifying account structures. Read more on the security page.
Advia Credit Union offers fixed-rate mortgages from 10 to 30 years, adjustable-rate mortgages, FHA and VA loans, jumbo mortgages and construction-to-permanent financing. Members can apply online or at any branch location in Michigan or Wisconsin. Visit the mortgages page for current rates.
Membership is open to anyone who lives, works, worships or attends school in select Michigan and Wisconsin communities. Joining requires a $5 minimum deposit to a savings account. Applications are accepted online, by phone at (844) 238-4228, or at any branch.
Advia Credit Union digital banking includes mobile check deposit, person-to-person payments, bill pay, account alerts, eStatements, external account transfers and a personal financial management dashboard. The mobile app is available on iOS and Android. Explore features on the online banking page.
Advia Credit Union operates 28 branch locations across southwestern Michigan and eastern Wisconsin. Members also have surcharge-free access to more than 30,000 ATMs through the CO-OP ATM network nationwide. Shared branching provides access at over 5,000 credit union locations. See the contact page for addresses and hours.
Advia