Take advantage of our free financial education resources.

MembersAlliance is proud to offer a free online financial education tool called Banzai.

Banzai contains interactive courses that simulate real-world decisions you may face with your personal finances. It also has great coaches that walk you through your own financial questions — like budgeting or what loan you can afford.

This tool is perfect for all ages! From money basics for your little ones, cyber safety for teens, or diving deeper into personal finance questions adults face, there is a tool for everyone.

Our Commitment

Over the past 5 years MembersAlliance Credit Union has sponsored the Banzai program in area high schools. In that time, we have been able to share this financial literacy program with over 3,100 students at 16 different area schools. Nationally, over 20,000 schools already use Banzai to teach real-world finance in the classroom.

Now, MembersAlliance is bringing not only its two popular courses, Banzai Jr. and Banzai Teen, but also Banzai Direct to your home at no cost! Banzai Direct is adult focused going more in depth into money management, retirement, home buying, debt consolidation, and more, all while providing a vast resource library with tools and calculators to help with money management. We partner with Banzai because of our shared belief in the importance of financial education and increasing financial literacy in both youth and adults.

How it Works

Banzai is designed to simulate what real-world finance is like. It is an interactive simulation that is all about trial-and-error. Users make choices and experience the consequences of their decisions in a fun and risk-free environment.

Unfortunately, for so many of us, we have had to learn these hard lessons through real-world choices and deal with the consequences. With Banzai, we will be better informed and more importantly, better prepared to make good financial choices.

Banzai uses real-life examples to help teach concepts like budgeting, making money, expenses and even complex topics like insurance and credit. Banzai creates conversations and instills healthy attitudes toward finances at home. As individuals at every stage of their financial journey use the program, they'll learn tested money management techniques — and receive tools to answer their questions and shape their perspective.

Banzai plus: Get a wide range of personal finance experiences with the Banzai plus course. This interactive game simulates different personal finance decisions you may face in the real world. Ready to get some awesome personal finance prep?

Try Banzai Plus

Get out of debt coach: Learn how to find financial freedom and peace of mind with this interactive coach. Trying to be debt-free? This coach offers tools made to fit you and provides an action plan to reach your goal of being debt free.

Try Get Out of Debt

What auto loan can I afford?: Dreaming about buying a new car, but not too sure what is in your budget? Try our online tool that will walk you through what auto loan fits you.

Try What Auto Loan Can I Afford?

What mortgage can I afford? Getting ready for the jump to purchase a home of your own? Try our online coach that finds your ideal monthly payment and what size mortgage is right for you.

Try What Mortgage Can I Afford?

How do I build credit? Starting to build your credit or would like to repair your current credit? MembersAlliance offers an online coach through Banzai! that will walk through what credit is and it’s impact on your financial health as well as providing an action plan on how to build your credit score.

Try How Do I Build Credit?

Ready to begin or want to learn more?

Ready, Set, Go

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.

The building blocks of credit management (Earn 0.25% off of a personal loan rate)

Applying for a personal loan or wanting to improve your credit? This collection of tools offers a great opportunity to get on track to credit and loan success. Debt can be tricky, but with the right knowledge and tools you can be a pro.

How do I get my reward?

  • Must have an account at MembersAlliance
  • Apply for a personal loan
  • Complete all course material in this section

Once the course is completed, a certificate will be emailed to you within seven business days. This certificate can be shown to your MembersAlliance loan officer during the application process and applied once the loan is approved. The interest rate discount will be valid for 90 days past completion of the courses.

Get Started

Cyber safety course ($5 Amazon e-gift card)

The world wide web can be a hazardous place when it comes to personal information. Protecting your banking and personal information is vital. Learn how to avoid scams and use digital tools with this fun course.

How do I get my reward?

  • Must have an account at MembersAlliance
  • Complete all course material in this section
  • Must be 18 years or older

Once completed, a MembersAlliance employee will verify membership and send the e-gift card to your email account within seven business days.

Get Started

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

The ins and outs of auto loans (0.25% off auto loan rate)

There is more than meets the eye when it comes to buying a car. Learn about what goes into a car loan and get the breakdown of what auto insurance really is. There is even a coach to determine what auto loan fits your budget!

How do I get my reward?

  • Must be a member at MembersAlliance
  • Apply for an auto loan at MembersAlliance
  • Complete all material in this section

Once the course is completed, a certificate will be emailed to you within seven business days. This certificate can be shown to your MembersAlliance loan officer during the application process and applied once the loan is approved. The interest rate discount will be valid for 90 days past completion of the courses.

Get Started

College finance survival guide ($5 Amazon e-gift card)

Feel overwhelmed by navigating financial aid and the cost of living on your own for the first time? We are here to help! These courses, articles, and calculators will help you get a handle on how to apply for FAFSA, find the hidden expenses of college, and make a budget so that you can tackle college finances with confidence.

Not only do you get some awesome prep for college, but you also receive a $5 amazon e-gift card!

How do I get my reward?

  • Must be 18-21 to be eligible
  • Must have an account at MembersAlliance
  • Complete all material in this section

Once completed, a MembersAlliance employee will verify membership and send the e-gift card to your email account within seven business days.

Get Started

Home buying 101 ($200 off mortgage closing costs)

Thinking of buying a house, but have a million questions about mortgages? Look no further! This course will help you look at what mortgage options fit you and your budget, plus it helps you learn about the mortgage application process.

How do I get my reward?

  • Must have an account at MembersAlliance
  • Submit mortgage application at MembersAlliance
  • Complete all material in this section

Once the course is completed, a certificate will be emailed to you within seven business days. This certificate can be shown to your MembersAlliance mortgage officer during the application process and applied once the mortgage is approved. The closing cost discount will be valid for 180 days past the completion of these courses.

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.