Earn $500¹ when you open a Choice or ChoicePlus+ Checking Account and…

• Make 10 debit card transactions² per month for three months
• Sign up for e-Statements
• Make $1,000 in direct deposits each month for three months³

Earn a $150 bonus¹ when you open a Student Checking Account and make 15 debit card transactions² per month for two months.

Earn $300⁴ in cash back when you open a new Avadian Visa Signature Card and spend $2,000 in the first 60 days after account opening.

Qualified buyers enjoy a 0.25 percentage-point discount on auto loans up to 48 months⁵.

Enjoy an introductory rate of 4.50% APR for six months⁶ when you open a HELOCPlus+

After the introductory fixed-rate period, the APR will vary based on the prime rate plus a margin⁷ ranging from 0.25% to 2.50%. As of Nov. 25, 2025, the prime rate was 7.00%. Current variable rates range from 7.25% to 9.50%.

Earn 4.20% APY on a 7-Month CD⁸ with a minimum deposit of $10,000.

Friday, Dec. 5, Is Member
Appreciation Day!

As if all those special offers weren’t enough, we’re celebrating our 91^st anniversary on Friday, Dec. 5, with Member Appreciation Day.

We’ll have goodies and treats at each branch, plus we’ll be announcing the winners of our Member Appreciation Giveaway.

Each branch will give away a Yeti cooler and an Owala water bottle.

Enter the giveaway online now and stay tuned to our social media channels on Member Appreciation Day to see if you won.

See Official Rules for more details.

APY=Annual Percentage Yield.

Choice, ChoicePlus+, and Student checking accounts require a minimum opening deposit of $25. Checking accounts are subject to membership and eligibility.

¹To qualify: must be a member without a current Avadian checking account. Member must be in good standing to qualify for and to receive the bonus payment. Bonus payments will be made to your account in the fifth month following the opening of your checking account. Limit one bonus/promotional payment in a 12-month period per Primary member, regardless of how many open memberships you have. For tax filing purposes, you will receive a 1099-INT associated with the bonus. May not be combined with other discounts or specials.

²Qualifying debit card transactions include purchases made using tap-and-go, PIN, signature, Apple Pay, Google Pay, Samsung Pay, and Zelle®. Non-qualifying debit card transactions include online purchases, transfers, ATM inquiries, ATM withdrawals, ATM deposits, denied ATM transactions, and Automated Clearing House (ACH) transactions.

³Direct deposit is defined as an electronic funds transfer, usually from your employer, retirement plan, or government agency, that puts money directly into your account. Account-to-account transfers, person-to-person transfers, mobile deposits, or deposits made in-branch or at an ATM or ATM Plus+ do not qualify as direct deposit.

⁴Rates, terms, and conditions are subject to change without notice. To qualify and receive the bonus rewards points, you must charge $2,000 or more in purchases (minus returns, credits, and adjustments) within the first 60 days from account opening, using your Avadian Visa Signature Card. The bonus rewards points do not apply to balance transfers, credit card checks, overdrafts, or cash advances. Your Avadian Visa Signature Card must be open and in good standing at the time of the bonus points fulfillment. Bonus rewards points are available 45 days after the promotional requirements are met and can be redeemed for cash or statement credit. Additional terms and conditions may apply.

⁵Loans subject to membership, creditworthiness, and approval. Annual Percentage Rate based on creditworthiness, loan amount, model year, and term of the loan.

⁶Property insurance is required. All rates and offers are subject to change without notice. The introductory fixed-rate is not available if the property has been used by the current owners to secure another Home Equity Line of Credit in the past two years at Avadian.

⁷The amount of the margin will vary based on several factors, including creditworthiness and loan-to-value ratio. Maximum lifetime rate on Home Equity Line of Credit is 15.00% APR. Closing costs will be waived with a minimum advance of $10,000 at closing. The closing costs will not be waived if the funds advanced at closing are used to pay off existing loans at Avadian. Closing costs and other fees are estimated to be between $600 and $900. If the Home Equity Line of Credit falls below $9,000 in the first six months, you will have to reimburse the closing costs and fees waived by the credit union.

⁸CD automatically renews into a seven-month CD of the same term at a rate in effect at that time. Penalty may be imposed for an early withdrawal. Fees could reduce earnings on the account. Consumer accounts only. Not available as a traditional IRA CD or Roth IRA CD.

Yeti Coolers, LLC is not affiliated with this giveaway. Yeti is a registered trademark of Yeti Coolers, LLC.
Trave Brands, LLC is not affiliated with this giveaway. Owala is a registered trademark of Trave Brands, LLC.

This credit union is federally insured by NCUA.
An additional insurance of up to $250,000 on your savings accounts is provided by Excess Share Insurance Corporation, a licensed insurance company.

Equal Housing Opportunity Lender