One way to reduce holiday stress? Save in advance.
Have the money you need stored away for vacations and holidays.
- Save up ahead of time for the holiday or vacation season
- Saves you stress and financial headaches
- Earn competitive dividends on what you set aside (compounded daily)
- No monthly service fee
- No minimum balance requirements
- Funds are deposited directly to your regular savings prior to the season:1
- Christmas accounts disbursed on November 1
- Vacation accounts disbursed on June 1
- No withdrawals allowed until maturity date
- Free digital banking services, including:
- Free online banking
- Free mobile banking with mobile deposit
- Free eStatements
- No minimum deposit to open
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Budget Calculator
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50/20/30 Savings 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.
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.
1Funds cannot be paid out early.
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 2026; New untitled 2025)
| Term | APR (as low as) | Pmt/$1,000 |
|---|---|---|
| up to 36 Months | 4.00% | $29.52 |
| 37-78 Months | 5.00% | $29.22 - $15.04 |
| 79-84 Months | 7.00% | $15.83 - $15.09 |
| 85-96 Months / $40,000 Min. | 8.25% | $15.57 - $14.26 |
Used Auto, Trucks, Vans, Motorcycles (2025-2021)
| Term | APR (as low as) | Pmt/$1,000 |
|---|---|---|
| up to 36 Months | 5.50% | $30.20 |
| 37-78 Months | 5.50% | $29.45 - $15.28 |
| 79-84 Months | 7.00% | $15.83 - $15.09 |
Used Auto, Trucks, Vans, Motorcycles (2020-2018)
| Term | APR (as low as) | Pmt/$1,000 |
|---|---|---|
| up to 36 Months | 5.50% | $30.20 |
| 37-78 Months | 6.00% | $29.67 - $15.51 |
| 79-84 Months | 7.25% | $15.96 - $15.22 |
Used Auto, Trucks, Vans, Motorcycles (2017 and older)
| Term | APR (as low as) | Pmt/$1,000 |
|---|---|---|
| up to 24 Months | 7.50% | $45.00 |
| 25-36 Months | 7.50% | $43.33 - $31.11 |
| 37-48 Months | 7.75% | $30.47 - $24.30 |
| 49-60 Months / $20,000 Min. | 8.50% | $24.23 - $20.52 |
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 | APR (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.
FastCash Loan
| Loan Type/Term | Rate (as low as) | Pmt/$1,000 |
|---|---|---|
| Up to 12 Months | 9.50% | $87.68 |
| 13-24 Months | 9.75% | $81.37 - $46.03 |
| 25-36 Months | 10.00% | $44.48 - $32.27 |
| 37-48 Months | 10.50% | $31.75 - $25.61 |
| 49-60 Months | 11.25% | $25.55 - $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.
Home Equity - Fixed Rate - Up to 80% Loan to Value
| Term | APR (as low as) | Pmt/$1,000 |
|---|---|---|
| Up to 60 Months | 6.00% | $44.32 - $19.34 |
| 61-120 Months | 6.75% | $19.42 - $11.49 |
| 121-180 Months | 7.25% | $11.68 - $9.14 |
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 7.375% for the first year. Adjusts to the Wall Street Journal Prime Rate annually, which is currently at 7.500% Maximum APR = 18% Annual Fee = $10.00
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 | 0.150% | 0.150% | N/A |
| 3 Month CD* | $500 | 0.995% | 1.000% | 90 Days* |
| 6 Month CD/IRA CD** | $500 | 1.980% | 2.000% | 90 Days |
| 12 Month CD/IRA CD | $500 | 2.956% | 3.000% | 180 Days |
| 18 Month CD/IRA CD | $500 | 2.956% | 3.000% | 180 Days |
| 24 Month CD/IRA CD | $500 | 2.762% | 2.800% | 180 Days |
| 30 Month CD/IRA CD | $500 | 2.762% | 2.800% | 180 Days |
| 36 Month CD/IRA CD | $500 | 2.762% | 2.800% | 180 Days |
| 48 Month CD/IRA CD | $500 | 1.980% | 2.000% | 365 Days |
| 60 Month CD/IRA 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 | 0.946% | 0.950% |
| $10,000 - $24,999.99 | 1.094% | 1.100% |
| $25,000 - $99,999.99 | 1.341% | 1.350% |
| $100,000+ | 1.587% | 1.600% |
Off Road RVs, Snowmobiles and Jet Skis
New Snowmobile, Off-Road RV, Jet Ski (New 2026; New untitled 2025)
| Term | APR (as low as) | Pmt/$1,000 |
|---|---|---|
| up to 24 Months | 5.50% | $44.10 |
| 25-36 Months | 6.00% | $42.65 - $30.42 |
| 37-48 Months | 6.50% | $29.90 - $23.71 |
| 49-60 Months | 7.00% | $23.52 - $19.80 |
| 61-78 Months / $20,000 Min. | 7.50% | $19.77 - $16.24 |
Used Snowmobile, Off-Road RV, Jet Ski (2025-2018)
| Term | APR (as low as) | Pmt/$1,000 |
|---|---|---|
| up to 24 Months | 6.00% | $44.32 |
| 25-36 Months | 6.50% | $42.88 - $30.65 |
| 37-48 Months | 7.00% | $30.13 - $23.95 |
| 49-60 Months | 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.
Personal Loans (Unsecured)
| Loan Type/Term | APR (as low as) | Pmt/$1,000 |
|---|---|---|
| Up to 12 Months | 9.50% | $87.68 |
| 13-24 Months | 9.75% | $81.37 - $46.03 |
| 25-36 Months | 10.00% | $44.48 - $32.27 |
| 37-48 Months | 10.50% | $31.75 - $25.61 |
| 49-60 Months | 11.25% | $25.55 - $21.87 |
| Signature Line of Credit | 10.90% | 3% of Limit |
| FastCash* | 23.00% | $177.96 |
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.
*FastCash Application fee of $20 required, regardless of approval decision. FastCash loan is a fixed rate of 23%APR on loan amounts from $200 to $1,000 with terms not to exceed 6 months. Financing example: The monthly installment repayment for $1,000 financed for 6 months at 23.00% is $177.96. No credit check. MACU membership must be at least 90 days old and have an existing direct deposit with the credit union. Only one FastCash loan per household. Some restrictions may apply.
Primary Mortgage
Conventional Mortgages - 5% Down
Additional 0.50% off mortgage interest rate discount available. See mortgage page for additional details. Offer Details
| Term | Points | Rate (as low as) | Pmt/$10,000 | APR |
|---|---|---|---|---|
| 15 Year Fixed Rate | 0.000 | 5.250% | $80.39 | 5.482% |
| 15 Year Fixed Rate | 1.000 | 4.875% | $78.43 | 5.232% |
| 20 Year Fixed Rate | 0.000 | 5.875% | $70.92 | 6.115% |
| 20 Year Fixed Rate | 1.000 | 5.625% | $79.50 | 5.961% |
| 30 Year Fixed Rate | 0.000 | 6.250% | $61.57 | 6.647% |
| 30 Year Fixed Rate | 1.000 | 5.875% | $59.15 | 6.363% |
| 5/6 Year ARM | 0.000 | N/A | N/A | N/A |
| 7/6 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 | 7.250% | $92.88 | 7.954% |
| 20 Year | 0.000 | 7.750% | $83.53 | 8.551% |
| 25 Year | 0.000 | 7.625% | $76.02 | 8.391% |
| 30 Year | 0.000 | 7.250% | $69.42 | 7.990% |
| 5/6 Year ARM | 0.000 | N/A | N/A | N/A |
Monthly Payment Installment samples shown under rates are based on every $10,000 borrowed. 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 2026; New untitled 2025)
| Term | APR (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 (2025-2018)
| Term | APR (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 (2017 and older)
| Term | APR (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 | 0.150% | 0.150% | $25 |
| Youth Accounts | 0.150% | 0.150% | $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 | 0.150% | 0.150% | No Minimum Deposit Required |
| Vacation Club | 0.150% | 0.150% | 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* (as low as) | Variable Rate** (as low as) |
| Undergraduate – Line of Credit | 4.000% | 4.750% |
| Loan Consolidation (5 year) | 5.000% | 5.000% |
| Loan Consolidation (10 year) | 5.500% | 5.750% |
| Loan Consolidation (15 year) | 6.000% | 6.250% |
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.