The more you save, the more you could win. Get started today.

  • Save to Win is a 12-month CD (Certificate of Deposit)
  • $25 minimum balance required
  • Every $25 deposited counts as an entry into monthly and quarterly prize drawings (up to 10 entries per month, 30 per quarter)
  • Earn monthly dividends
  • No monthly service fee
  • $25 minimum deposit to open

It's easy to participate in Save to Win. Here’s what you need to do:

  1. Open a 12-month Save to Win share certificate with at least $25. This first deposit earns you an entry into the current month and quarterly drawings. (Must be 18-years or older)
  2. Make deposits into your share certificate each month. Every $25 deposit earns you an entry into the drawings, up to 10 prize entries per month.
  3. National prizes ranging from $25 to $5,000, and credit union prizes ranging from $25 to $250, will be awarded monthly and quarterly. See a complete list of national prizes. For additional prize information, refer to our official rules for details. 
  4. See your credit union's official rules for prize eligibility, payout information and other drawing details. 

“Save to Win changed my whole life. Save to Win has made me think about my savings and spending. It's just there, and I'm doing so much better. I have an emergency fund, I'm paying down my debt. I don't even know what the prizes are anymore, but, Save to Win, it's changed me; it's changed how I feel about my future." - Sadie M., Member at Greensboro Municipal Federal Credit Union, North Carolina

"I had no expectation of winning but opened an account to get back in the habit of saving." - C.J., Member at Peninsula Community Federal Credit Union, Washington

"I like the Save to Win certificate because it forces me to save." - Leann O., Member at Fibre Federal Credit Union, Washington

Set your goal - Why is it important to set a savings goal? Research finds that people who have a set goal when it comes to savings have a higher success rate than those who choose not to.

Create a timeline - Having a large savings goal can seem overwhelming, making it easier to give up. But when you break down your large goal into a set of smaller goals, it’s that much easier to achieve. By setting a timeline, meeting your overall savings goal will be much easier. Your timeline for saving can be set up a few different ways: Weekly, Bi-weekly, Monthly or on Paydays.

Set up automatic deposits or transfers - Just like loan or bill payments can be pulled automatically from your checking account, so can your Save to Win deposits! Automating your savings plan and your bill payments ensures everything is consistently paid, including saving for your future.

CD Calculator

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Learn & Earn is an educational incentive program geared to equip our members with personal finance lessons. 

This program offers a wide variety of courses that offer fun and interactive learning. Along with the learning is reward earning. From loan discounts to amazon e-gift cards, there is something for everyone. 

Check out our current rewards and courses below.

Become a personal finance master ($25 Amazon e-gift card)

Who knew there would be so much to learn about personal finance? Get practice budgeting and run into real life financial choices from loans to insurance. Want to be better prepared to face all those personal finance decisions? Give this course a try!

How do I get my reward? 

  • Must be 18-29 to be eligible
  • Must have an account at MembersAlliance
  • Complete the Banzai course

Once completed, a MembersAlliance employee will send an email with the e-gift card reward within seven business days.

Get Started

Rewards disclaimer: Members must be in good standing, and are eligible to receive each available incentive one time per member only. Members must meet each tutorial’s requirements to receive the corresponding incentive. Incentive eligibility and payout is subject to review and approval by MembersAlliance Credit Union. Loan discounts and closing costs available on approved loans. Loans subject to credit approval. Some restrictions may apply. MembersAlliance employees are not eligible. Individual incentives may be rejected if MembersAlliance determines the individual does not qualify for redemption or attempts to subvert the intended nature of the program for personal gain.

Buy vs. Lease CalculatorDisclaimer

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.

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CD CalculatorDisclaimer

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.

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  • Total interest earned $0
  • Annual Percentage Yield (APY)0.000%
Savings Goal CalculatorDisclaimer

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.

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Simple Loan CalculatorDisclaimer

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.

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  • Total interest paid $0

Autos, Trucks and Motorcycles

New Auto, Trucks, Vans, Motorcycles (New 2023; New untitled 2022)

Term Rate Pmt/$1,000
24-54 Months 2.75% $42.88 - $19.72
55-78 Months 3.00% $19.49 - $14.13
79-84 Months 3.25% $14.08 - $13.33
85-96 Months / $40,000 Min. 3.75% $13.42 - $12.08

Used Auto, Trucks, Vans, Motorcycles (2021-2018)

Term Rate Pmt/$1,000
24-54 Months 3.00% $42.99-$19.83
55-78 Months 3.25% $19.60-$14.25
79-84 Months      3.50% $14.20-$13.45

 

Used Auto, Trucks, Vans, Motorcycles (2017-2015)

Term Rate Pmt/$1,000
24-54 Months 3.25% $43.10 - $19.94
55-78 Months 3.50% $19.71 - $14.36
79-84 Months      3.75% $14.31 - $13.56

Used Auto, Trucks, Vans, Motorcycles (2014 and older)

Term Rate Pmt/$1,000
24 Months 4.00% $43.43
25-36 Months 4.25% $41.88 - $29.64
37-48 Months 4.50% $29.00 - $22.81
49-60 Months / $20,000 Min. 5.00% $22.61 - $18.88

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 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 Pmt/$1,000
24 Months 4.000% $43.43
36 Months 4.250% $29.64
48 Months 4.250% $22.70
60 Months 4.250% $18.54
72 Months 4.500% $15.88
84 Months 4.500% $13.91
96 Months 4.500% $12.43
108 Months 4.750% $11.41
120 Months 4.750% $10.49
180 Months 5.000% $7.92

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 6.125% for the first year. Adjusts to the Wall Street Journal Prime Rate annually, which is currently at 6.250% 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 0.050% 0.050% N/A
3 Month CD* $500 0.499% 0.500% 90 Days*
6 Month CD** $500 0.748% 0.750% 90 Days
12 Month CD $500 0.946% 0.950% 180 Days
18 Month CD $500 0.995% 1.000% 180 Days
24 Month CD $500 1.094% 1.100% 180 Days
30 Month CD $500 1.144% 1.150% 180 Days
36 Month CD $500 1.197% 1.200% 180 Days
48 Month CD $500 1.345% 1.350% 365 Days
60 Month CD $500 1.493% 1.500% 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.

Mobile Home

Mobile Home Loans Are Temporarily Unavailable Rate
120 Months (New) N/A
180 Months (New) N/A
120 Months (Used) N/A
180 Months (Used) 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).

Monthly Payment Installment samples shown are based on every $1,000 borrowed.

Money Market Accounts

Balance Rate APY
$2,500 - $9,999.99 0.770% 0.0773%
$10,000 - $24,999.99 1.020% 1.025%
$25,000 - $99,999.99 1.270% 1.278%
$100,000+ 1.420%  1.430%

Off Road RVs, Snowmobiles and Jet Skis

New Snowmobile, Off-Road RV, Jet Ski (New 2022; New untitled 2021)

Term Rate 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 (2021-2013)

Term Rate 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 Pmt/$1,000
Unsecured - Signature Loan 6 Months 5.00% $169.13
Unsecured - Signature Loan 12 Months 5.50% $85.85
Unsecured - Signature Loan 18 Months 6.50% $58.47
Unsecured - Signature Loan 24 Months 7.50% $45.01
Unsecured - Signature Loan 36 Months 8.50% $31.58
Unsecured - Signature Loan 48 Months 9.00% $24.90
Unsecured - Signature Loan 60 Months 9.50% $21.02
Unsecured - 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 Pmt/$10,000 APR
15 Year Fixed Rate 0.000 4.500% $76.50 4.845%
15 Year Fixed Rate  1.000 3.990% $73.92 4.481%
20 Year Fixed Rate  0.000 4.920% $65.55 5.256%
20 Year Fixed Rate 1.000 4.625% $63.94 5.078%
30 Year Fixed Rate  0.000 5.125% $54.45 5.580%
30 Year Fixed Rate  1.000 4.750% $52.17 5.284%
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 Pmt/$10,000 APR
15 Year 0.000 5.000% $80.46 6.875%
20 Year 0.000 5.000% $67.15 6.681%
25 Year 0.000 5.000% $59.48 6.546%
30 Year 0.000 5.000% $54.62 6.512%
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 2022; New untitled 2021)

Term Rate Pmt/$1,000
25-36 Months 3.50% $41.53 - $29.30
37-54 Months 3.50% $28.55 - $20.04
55-66 Months 3.75% $19.82 - $16.79
67-78 Months 3.75% $16.57 - $14.47
79-90 Months 4.00% $14.42 - $12.88
91-126 Months / $40,000 Min. 4.50% $12.99 - $9.88
127-180 Months / $60,000 Min. 4.75% $10.04 - $7.78
181-246 Months / $80,000 Min. 5.00 $7.88 - $6.51

Used Recreational Vehicles (2021-2015)

Term Rate Pmt/$1,000
25-36 Months 3.75% $41.64 - $29.41
37-54 Months 3.75% $28.66 - $20.16
55-66 Months 4.00% $19.93 - $16.91
67-78 Months 4.25% $16.80 - $14.70
79-90 Months 4.50% $14.65 - $13.12
91-126 Months / $40,000 Min. 4.75% $13.11 - $10.10
127-180 Months / $60,000 Min. 5.00% $10.16 - $7.91
181-246 Months / $80,000 Min. N/A N/A

Used Recreational Vehicles (2014 and older)

Term Rate Pmt/$1,000
25-36 Months 4.25% $41.87 - $29.64
37-54 Months 4.50% $29.00 - $20.50
55-66 Months 4.75% $20.27 - $17.35
67-78 Months 5.00% $17.14 - $15.05
79-90 Months >5.25% $15.00 - $13.47
91-126 Months / $40,000 Min. 6.00% $13.87 - $10.72
127-180 Months / $60,000 Min. N/A N/A
181-246 Months / $80,000 Min. 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. Additional terms available.

Savings/Checking Rates

Accounts Rate APY Minimum Opening Deposit
Savings Account/Business Savings Account 0.050% 0.050% $25
Youth Accounts 0.050% 0.050% $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 0.050% 0.050% No Minimum Deposit Required
Vacation Club 0.050% 0.050% No Minimum Deposit Required

Share (CD) Secured

Loan Type/Term Rate
Savings Secure Loan with CD Account 2.00% Over CD Rate

Student Loans

Credit Score Rate Index (Prime Rate) Margin Rate
=>820 6.250% -0.250% 6.000%
760-819 6.250% 1.500% 7.750%
700-759 6.250% 2.750% 9.000%
680-699 6.250% 3.750% 10.000%
660-679 6.250% 5.750% 12.000%

Adjustable quarterly based on the Prime Rate. Floor Rate: 3.00%, Ceiling Rate: 18.00%

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.