It’s hard to beat guaranteed earnings — especially when you earn a competitive rate.
Earn up to 5.750% APY on your CD.
Make your money work for you!
For a limited time, take advantage of our 7-month new money CD special now with an EXTRA BOOST and earn 5.750%APY*! For example, in just seven months, with a $10,000 deposit, you can earn an estimated $332.03 by depositing your money into this high interest CD.
Our 12-month and 18-month CDs also have increased rates that will make your money work that much harder. You can earn 4.602%APY* on any 12-month CD including regular CDs, IRA CDs, and Save to Win CDs. Our 18-month rate is now 5.500%APY* for regular CDs and IRA CDs. The 12-month and 18-month CD rates are available for both new money or transferred funds already deposited at MembersAlliance.
CDs are the perfect way to put your money to work that would otherwise just sit in an account making lower interest. There is no need for a ton of money to start making your money work for you. All regular CDs can be opened with only $500, and 12-month Save to Win CDs with only $25. Open yours at any of our convenient locations today, and get your money working even harder!
*APY = Annual Percentage Yield. 7-month CD special available for new money to MembersAlliance Credit Union only. 12-month CD can be new money or transferred funds already deposited at MembersAlliance. 7-month special rate valid as of 9/01/2023 and subject to change without notice. 18-month CD rates valid as of 9/20/2023. Minimum certificate amount of $500. At maturity, the 7-month certificate will automatically roll over into a 6-month certificate unless otherwise directed. Penalty for early termination. See credit union for complete details.
Benefits
- Competitive, fixed rates that beat standard savings
- Provides more guarantee than other riskier investments
- Set aside for future savings goals
- A wide range of terms available (from 3 months to 5 years)
- No setup or maintenance fees
- Flexible options at maturity
- Can ladder share certificates to increase liquidity
- Early withdrawals subject to penalty
- $500 minimum deposit to open
{{ ira-cd-rates }}
CD Calculator
{{ cd }}
This calculator compares the costs of buying or leasing a vehicle. There are three sections to complete, and you can adjust and experiment with different scenarios.
- Net cost of buying $0
- Net cost of leasing $0
A fixed-rate, fixed-term CD can earn higher returns than a standard savings account. Use this calculator to get an estimate of your earnings. Move the sliders or type in numbers to get started.
- Total value at maturity $0
- Total interest earned $0
- Annual Percentage Yield (APY)0.000%
Whether it's a down payment, college, a dream vacation...a savings plan can help you reach your goal. Use the sliders to experiment based on length of time and amount per month.
- Monthly deposit needed to reach goal $0
This calculator can help you get a general idea of monthly payments to expect for a simple loan. Move the sliders or type in numbers to get started.
- Estimated monthly payment $0
- Total paid $0
- Total interest paid $0
Autos, Trucks and Motorcycles
New Auto, Trucks, Vans, Motorcycles (New 2024; New untitled 2023)
| Term | Rate (as low as) | Pmt/$1,000 |
|---|---|---|
| 24-54 Months | 6.00% | $44.32 -$21.18 |
| 55-78 Months | 6.50% | $21.07- $15.75 |
| 79-84 Months | 7.50% | $16.08 - $15.34 |
| 85-96 Months / $40,000 Min. | 8.50% | $15.70 - $14.39 |
Used Auto, Trucks, Vans, Motorcycles (2023-2019)
| Term | Rate (as low as) | Pmt/$1,000 |
|---|---|---|
| 24-54 Months | 6.50% | $44.55 - $21.41 |
| 55-78 Months | 6.75% | $21.19 - $15.87 |
| 79-84 Months | 7.75% | $16.20 - $15.46 |
Used Auto, Trucks, Vans, Motorcycles (2018-2016)
| Term | Rate (as low as) | Pmt/$1,000 |
|---|---|---|
| 24-54 Months | 6.50% | $44.55 - $21.41 |
| 55-78 Months | 7.00% | $21.31 - $15.99 |
| 79-84 Months | 8.00% | $16.32 - $15.59 |
Used Auto, Trucks, Vans, Motorcycles (2015 and older)
| Term | Rate (as low as) | Pmt/$1,000 |
|---|---|---|
| 24 Months | 6.50% | $44.55 |
| 25-36 Months | 7.00% | $43.10 - $30.88 |
| 37-48 Months | 7.25% | $30.24 - $24.06 |
| 49-60 Months / $20,000 Min. | 7.50% | $23.76 - $20.04 |
Rates disclosed are As Low As Rates, which are based on the A+ credit discount (credit score >740) and Multiple Service discount (active checking account with direct deposit).
Loan rates may vary based on credit evaluation. Monthly Payment Installment samples shown are based on every $1,000 borrowed and the minimum term and maximum term within each term range.
Computer and Other Durable Goods
| Term | Rate (as low as) | Pmt/$1,000 |
|---|---|---|
| 24 Months | 7.00% | $44.79 |
| 36 Months | 8.00% | $31.35 |
| 48 Months | 9.00% | $24.90 |
Rates disclosed are As Low As Rates, which are based on the A+ credit discount (credit score >740) and Multiple Service discount (active checking account with direct deposit).
Loan rates may vary based on credit evaluation. Monthly Payment Installment samples shown are based on every $1,000 borrowed and the minimum term and maximum term within each term range.
Home Equity - Fixed Rate - Up to 80% Loan to Value
| Term | Rate (as low as) | Pmt/$1,000 |
|---|---|---|
| Up to 60 Months | 6.00% | $44.32 - $19.34 |
| 61-120 Months | 6.25% | $19.18 - $11.23 |
| 121-180 Months | 6.75% | $11.42 - $8.85 |
Rates disclosed are As Low As Rates, which are based on the A+ credit discount (credit score >740) and Multiple Service discount (active checking account with direct deposit).
Monthly Payment Installment samples shown are based on every $1,000 borrowed. Rates may vary based on credit evaluation. Rates subject to change without notice. Closing costs may vary if out of the Rockford area, an appraisal is required, or a release of mortgage is recorded.
Home Equity Line of Credit - Adjustable Rate - Up to 80% Loan to Value
Rate discounted at 8.375% for the first year. Adjusts to the Wall Street Journal Prime Rate annually, which is currently at 8.500% Maximum APR = 18% Annual Fee = $10.00
Rates disclosed are As Low As Rates, which are based on the A+ credit discount (credit score >740) and Multiple Service discount (active checking account with direct deposit).
Monthly Payment Installment samples shown are based on every $1,000 borrowed. Rates may vary based on credit evaluation. Rates subject to change without notice. Closing costs may vary if out of the Rockford area, an appraisal is required, or a release of mortgage is recorded.
IRA/CD Rates
| Type/Term | Minimum Opening Deposit | Rate | APY | Penalty for Early Withdrawal |
|---|---|---|---|---|
| Base IRA (Primary, Education, Roth) | $500 | 0.100% | 0.100% | N/A |
| 3 Month CD* | $500 | 2.956% | 3.000% | 90 Days* |
| 6 Month CD** | $500 | 2.956% | 3.000% | 90 Days |
| 7 Month CD | $500 | 5.591% | 5.750% | 90 Days |
| 12 Month CD | $500 | 4.500% | 4.602% | 180 Days |
| 18 Month CD | $500 | 5.354% | 5.500% | 180 Days |
| 24 Month CD | $500 | 2.762% | 2.800% | 180 Days |
| 30 Month CD | $500 | 2.762% | 2.800% | 180 Days |
| 36 Month CD | $500 | 2.762% | 2.800% | 180 Days |
| 48 Month CD | $500 | 1.980% | 2.000% | 365 Days |
| 60 Month CD | $500 | 1.980% | 2.000% | 365 Days |
Minimum Deposit = $500.00. A penalty will or may be imposed for early withdrawals. *3 month CD not eligible for IRAs.** 6 month CD not eligible for Roth and Education IRAs.
Money Market Accounts
| Balance | Rate | APY |
|---|---|---|
| $2,500 - $9,999.99 | 1.000% | 1.005% |
| $10,000 - $24,999.99 | 1.242% | 1.250% |
| $25,000 - $99,999.99 | 1.489% | 1.500% |
| $100,000+ | 1.735% | 1.750% |
Off Road RVs, Snowmobiles and Jet Skis
New Snowmobile, Off-Road RV, Jet Ski (New 2024; New untitled 2023)
| Term | Rate (as low as) | Pmt/$1,000 |
|---|---|---|
| 24 Months | 5.50% | $44.11 |
| 36 Months | 6.00% | $30.43 |
| 48 Months | 6.50% | $23.73 |
| 60 Months | 7.00% | $19.82 |
Used Snowmobile, Off-Road RV, Jet Ski (2023-2015)
| Term | Rate (as low as) | Pmt/$1,000 |
|---|---|---|
| 24 Months | 6.00% | $44.33 |
| 36 Months | 6.50% | $30.65 |
| 48 Months | 7.00% | $23.96 |
| 60 Months | N/A | N/A |
Rates disclosed are As Low As Rates, which are based on the A+ credit discount (credit score >740) and Multiple Service discount (active checking account with direct deposit).
Loan rates may vary based on credit evaluation. Monthly Payment Installment samples shown are based on every $1,000 borrowed and the minimum term and maximum term within each term range.
Personal Loans (Unsecured)
| Loan Type/Term | Rate (as low as) | Pmt/$1,000 |
|---|---|---|
| Up to 12 Months | 9.50% | $87.68 |
| 13-24 Months | 9.75% | $46.03 |
| 25-36 Months | 10.00% | $32.27 |
| 37-48 Months | 10.50% | $25.60 |
| 49-60 Months | 11.25% | $21.87 |
| Signature Line of Credit | 10.90% | 3% of Limit |
Rates disclosed are As Low As Rates, which are based on the A+ credit discount (credit score >740) and Multiple Service discount (active checking account with direct deposit). Not available on Unsecured Line of Credit Loans.
Loan rates may vary based on credit evaluation. Monthly Payment Installment samples shown are based on every $1,000 borrowed and the minimum term and maximum term within each term range.
Primary Mortgage
Conventional Mortgages - 5% Down
| Term | Points | Rate (as low as) | Pmt/$10,000 | APR |
|---|---|---|---|---|
| 15 Year Fixed Rate | 0.000 | 6.125% | $85.06 | 6.495% |
| 15 Year Fixed Rate | 1.000 | 5.500% | $81.71 | 6.021% |
| 20 Year Fixed Rate | 0.000 | 6.625% | $75.30 | 6.997% |
| 20 Year Fixed Rate | 1.000 | 6.125% | $72.37 | 6.618% |
| 30 Year Fixed Rate | 0.000 | 6.625% | $64.03 | 7.113% |
| 30 Year Fixed Rate | 1.000 | 6.250% | $61.57 | 6.832% |
| 5/1 Year ARM | 0.000 | N/A | N/A | N/A |
| 7/1 Year ARM | 0.000 | N/A | N/A | N/A |
| Construction | 0.000 | N/A | N/A | N/A |
FHA Mortgages - 3.5% Down
| Term | Points | Rate (as low as) | Pmt/$10,000 | APR |
|---|---|---|---|---|
| 15 Year | 0.000 | 6.625% | $89.34 | 7.779% |
| 20 Year | 0.000 | 6.750% | $77.37 | 7.864% |
| 25 Year | 0.000 | 6.750% | $70.30 | 7.856% |
| 30 Year | 0.000 | 6.625% | $65.15 | 7.777% |
| 5/1 Year ARM | 0.000 | N/A | N/A | N/A |
Monthly Payment Installment samples shown under rates are based on every $10,000 borrrowed. Mortgage Loan Rates & APR are based on $175,000 loan. Rates are subject to change daily. Please contact the credit union for current rates at 815-226-2260.
Recreational Vehicles (Boats, Motor Homes, 5th Wheels, Travel Trailers, Campers)
New Recreational Vehicles (New 2024; New untitled 2023)
| Term | Rate (as low as) | Pmt/$1,000 |
|---|---|---|
| 25-54 Months | 6.00% | $42.66 - $21.18 |
| 55-78 Months | 6.75% | $21.20 - $15.88 |
| 79-90 Months | 7.00% | $15.84 - $14.32 |
| 91-126 Months / $40,000 Min | 7.50% | $14.45 - $11.50 |
| 127-180 Months / $40,000 Min | 8.00% | $11.71 - $9.57 |
| 181-246 Months / $60,000 Min. | 8.50% | $9.83 - $8.61 |
Used Recreational Vehicles (2023-2016)
| Term | Rate (as low as) | Pmt/$1,000 |
|---|---|---|
| 25-54 Months | 6.00% | $42.66 - $21.18 |
| 55-78 Months | 6.75% | $21.20 - $15.88 |
| 79-90 Months | 7.25% | $15.96 - $14.45 |
|
91-126 Months / $40,000 Min |
7.75% | $14.58 - $11.63 |
| 127-180 Months / $40,000 Min | 8.25% | $11.84 - $9.71 |
Used Recreational Vehicles (2015 and older)
| Term | Rate (as low as) | Pmt/$1,000 |
|---|---|---|
| 25-54 Months | 7.00% | $43.11 - $21.65 |
| 55-78 Months | 7.25% | $21.43 - $16.12 |
| 79-90 Months | 7.50% | $16.09 - $14.57 |
| 91-126 Months / $40,000 Min. | 8.25% | $14.83 - $11.90 |
Rates disclosed are As Low As Rates, which are based on the A+ credit discount (credit score >740) and Multiple Service discount (active checking account with direct deposit).
Loan rates may vary based on credit evaluation. Monthly Payment Installment samples shown are based on every $1,000 borrowed and the minimum term and maximum term within each term range. Additional terms available.
Savings/Checking Rates
| Accounts | Rate | APY | Minimum Opening Deposit |
|---|---|---|---|
| Savings Account/Business Savings Account | 0.100% | 0.100% | $25 |
| Youth Accounts | 0.100% | 0.100% | $25 |
| Free Basic Checking | 0.00% | 0.00% | No Minimum Deposit Required |
| MyCashback Checking | N/A | N/A | No Minimum Deposit Required |
| HSA Checking | 0.00% | 0.00% | No Minimum Deposit Required |
| Business Checking | 0.00% | 0.00% | No Minimum Deposit Required |
| Christmas Club | 0.100% | 0.100% | No Minimum Deposit Required |
| Vacation Club | 0.100% | 0.100% | No Minimum Deposit Required |
Share (CD) Secured
| Loan Type/Term | Rate |
|---|---|
| Savings Secure Loan with CD Account | 2.00% Over CD Rate |
Student Loans
| Student Loans | ||
|---|---|---|
| Loan Type | Fixed Rate* | Variable Rate** |
| Undergraduate – Line of Credit | 4.250% | 5.250% |
| Loan Consolidation (5 year) | 4.250% | 5.250% |
| Loan Consolidation (10 year) | 4.750% | 5.500% |
| Loan Consolidation (15 year) | 5.250% | 5.750% |
Floor Rate: 3.00%, Ceiling Rate: 18.00%. *Includes 0.25% discount for auto-pay. ** Adjusts quarterly based on the Prime Rate.
Visa Credit Card
| Card Type | APR for Purchases, Cash Advances and Balance Transfers |
|---|---|
| Visa Platinum Rewards Card | 8.90% to 17.90% |
APR is based on your creditworthiness at the time of account opening.