Car Loan Rate Sale! Rates as low as 1.97%APR*
Car Loan Rate Sale! Rates as low as 1.97%APR*
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Please take a few minutes to take our Member Survey.
“Did you recently get a notice that says your personal information was exposed in a data breach? Did you lose your wallet? Or learn that an online account was hacked? Depending on what information was lost, there are steps you can take to help protect yourself from identity theft.”-IdentityTheft.gov
IdentityTheft.gov has a step-by-step guide to walk you through what to do.
In light of the recent Equifax data breach incident, we want you to know that our priority at Advantage is and always has been the security and protection of our member’s personal information.
Please read Equifax’s website to see how you may have been impacted. www.equifaxsecurity2017.com
During this time, please be sure to monitor all of your accounts. If you see anything on any of your accounts that looks suspicious, be sure to contact us at 585.454.5900.
We do have tools that can help keep your money safe.
GuardID Checking brings you valuable financial and security features with real time alerts – including access to your account from almost anywhere and protection from identity theft.–Learn more about our GuardID Checking.
If you have any questions, please call us or come into any of our eight locations to speak to a Member Service Representative.
President & CEO
On any of the following eligible loans you can Skip-A-Payment:
Members with eligible loans NOW have the option to skip-a-payment up to three times (per loan) within a consecutive 12-month period.
Log into Online Banking and click the Skip-A-Payment Tab to see if your loan is eligible.
*Individual Fee – $30 per skip. There is a $30 processing fee per loan skipped and your Primary Share (savings) Account must have the required $5.00 minimum balance. Interest will accrue and the maturity date of all loans affected by the program will be extended. Skip-a-payment may not be eligible until six months to two years from the effective start date, depending on your loan type. Maximum of 10 skips during lifetime of loan. We reserve the right to decline your request if you have negative share account balances, or your account is otherwise not in good standing. The decision to grant extensions is based solely on the discretion of Advantage FCU. This offer is not available on revolving lines of credit and real estate loans. Payments may not be skipped two consecutive months. If you use a bill pay service from Advantage FCU or other financial institution, once your skip has been successfully processed, you will need to stop and restart the payment.
Extra Protection You Can Bank On & FREE CREDIT SCORE!
You work hard for your money, and you know it makes sense to protect it and save it. GuardID Checking helps keep your money safe and offers sound money-saving financial benefits, so you can feel secure.
GuardID Checking brings you valuable financial and security features – including access to your account from almost anywhere and protection from identity theft – AND we make it easy for you to enjoy these benefits for a low monthly service fee of $7.00.
Keep Yourself and Your Family1 Safe from Fraud and Loss.
Identity theft is on the rise, but you can rest easy knowing that you and joint account holders are protected by our comprehensive IDProtect® service, which includes:
*Family includes Spouse, domestic partner, and children under 25 living in the same household that are account owners.**Reimbursement coverage is an insurance product and not a deposit; not NCUA insured; and not an obligation nor guaranteed by the credit
Upon application for your checking account, you will receive complete information on electronic funds transfer, funds availability, and truth in savings. For more information please contact a Member Service Representative at 585.454.5900, ext. 5
Special Insurance Program Notes: The descriptions herein are summaries only. They do not include all terms, conditions and exclusions of the policies described. Please refer to the actual policies for complete details of coverage and exclusions. Insurance is offered through the company named on the certificate of insurance.&
1 IDProtect® service is a personal identity theft protection service available to account owner(s) and their family. Family includes: Spouse, persons qualifying as domestic partner, and children under 25 years of age and parent(s) who are residents of the same household. IDProtect® benefits are available to joint account holders. Benefits are not available to a “signer” or “beneficiary” of the account who is not an account owner. Service is not available to businesses and their employees, clubs and/or churches and their members, schools and their employees/students.
2 Credit score may differ from score used by Advantage FCU.
3 Identity Theft Insurance underwritten by insurance company subsidiaries or affiliates of American International Group, Inc. (AIG). The description herein is a summary and intended for informational purposes only and does not include all terms, conditions and exclusions of the policies described. Please refer to the actual policies for terms, conditions, and exclusions of coverage. Coverage may not be available in all jurisdictions.
*Registration and activation required.
Insurance product is not a deposit; not NCUA insured; not an obligation of credit union; and not guaranteed by credit union or any affiliated entity.
To learn more about the Equifax cybersecurity incident, including whether your personal information was potentially impacted, or to sign up for complimentary identity theft protection and credit file monitoring, click here .
Once on the Equifax page, determine if your personal information was impacted by clicking on the “Potential Impact” button and enter in your information.
To make a transfer to your Visa, go to Move Money and select Make a Transfer. Select Advantage Visa Payments as the “To” account and choose the account you are paying from as the “From” account. Payments are transmitted to VISA at the end of the business day.
To access Visa EZCard Info, go to Additional Services and select Credit Cards.
To transfers to another member, go to Move Money , select Transfer to another member and follow the steps below:
Once you have added the recipient, the information is saved and you can easily transfer to them again by just selecting their name.
Previously our bill pay service provided a future balance of your account based on existing, scheduled bill payments.
The new online bill payment service does not provide this future balance.
In the Make a Payment section of the My Accounts screen, the system will provide a Total sum of all existing scheduled bill payments.
You can then take the available balance from your checking account, and subtract the Total sum of the scheduled bill payments from the available balance using the calculator in the lower right hand corner of the My Accounts screen. This will calculate what your future available balance will be after the scheduled bill payments are made.
Payment processing takes 4 to 10 working days. The main variable in processing time is whether the payee accepts electronic bill payment or requires a physical check. If the vendor does not accept electronic payments, a check will be issued and mailed directly to the vendor.
Please verify your Bill Pay vendors. If you do not see all of your vendors, please contact us by Chat or phone.
Before you download the new app, you will need to delete the old app.
You will also be required to login to Online Banking via a PC before you attempt to login using the mobile app
In our efforts to bring you the best possible online banking experience, Advantage Federal Credit Union has upgraded our Online Banking, Online Bill Pay and Mobile App solutions.
To login, enter your current member number and current password. You will then be prompted to create a NEW username and a NEW password. Those will be your new credentials to access Online Banking.
Read More on what you can expect during this transition.