# Advancial Federal Credit Union CD and share certificate rates

As of October 22, 2026, Advancial Federal Credit Union's highest tracked CD (share certificate) rate is 4.66% APY on a 60-month CD ($1,000 minimum). That is 3.3 times the FDIC national average for 60-month CDs (1.41%). Standard CD rates range from 2.45% to 4.66% APY.

Canonical page: https://apyledger.com/cd-rates/advancial-federal-credit-union
Institution: Advancial Federal Credit Union (NCUA 2285)
Aliases: 
Status: live
Last verified: 2026-10-23T02:09:19.000Z (October 22, 2026)
Official source: https://www.advancial.org/mc-savings-certificates
Coverage: Membership required. Savings certificates from 3 months to 5 years with a $1,000 minimum. Early withdrawal penalties may apply.
Treasury comparison date: 2026-10-21. Premiums are percentage points versus the same-term APY-equivalent Treasury yield.

| Product | Kind | Term | Minimum deposit | APY | Quoted location | vs. Treasury | Verified (UTC) | Source snapshot |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Certificate | standard | 3 months | $1,000 | 2.45% | Not ZIP-priced | −1.84% | 2026-10-23T02:09:19.000Z | [Snapshot 824](https://apyledger.com/snapshots/824) |
| Certificate | standard | 6 months | $1,000 | 2.68% | Not ZIP-priced | −1.72% | 2026-10-23T02:09:19.000Z | [Snapshot 824](https://apyledger.com/snapshots/824) |
| Certificate | standard | 12 months | $1,000 | 2.96% | Not ZIP-priced | −1.61% | 2026-10-23T02:09:19.000Z | [Snapshot 824](https://apyledger.com/snapshots/824) |
| Certificate | standard | 18 months | $1,000 | 3.29% | Not ZIP-priced | −1.43% | 2026-10-23T02:09:19.000Z | [Snapshot 824](https://apyledger.com/snapshots/824) |
| Certificate | standard | 24 months | $1,000 | 3.68% | Not ZIP-priced | −1.19% | 2026-10-23T02:09:19.000Z | [Snapshot 824](https://apyledger.com/snapshots/824) |
| Certificate | standard | 36 months | $1,000 | 4.03% | Not ZIP-priced | −0.92% | 2026-10-23T02:09:19.000Z | [Snapshot 824](https://apyledger.com/snapshots/824) |
| Certificate | standard | 48 months | $1,000 | 4.26% | Not ZIP-priced | −0.72% | 2026-10-23T02:09:19.000Z | [Snapshot 824](https://apyledger.com/snapshots/824) |
| Certificate | standard | 60 months | $1,000 | 4.66% | Not ZIP-priced | −0.35% | 2026-10-23T02:09:19.000Z | [Snapshot 824](https://apyledger.com/snapshots/824) |

Rates and eligibility can change. ZIP-specific quotes must not be treated as statewide or nationwide offers. Confirm terms with the institution before opening an account. This is not financial advice.