Need cash fast? Get FastCash at MembersAlliance.

To help current members who need a little more cash on hand we’ve created FastCash. Cash may be used for unexpected auto repairs, home repairs, medical bills, or any life event that you may need cash fast.

Benefits

  • No credit check, unsecured short-term loan.
  • Loan amounts range from $200 - $1,000.
  • Receive funds as soon as same day as your loan approval.
  • Low fixed rate at 23.00%APR* no matter your credit score.
  • Flexible terms up to 6 months.
  • No prepayment penalty fees.

Is FastCash a good fit for you?

  • Must be a member for at least 90 days.
  • Have an existing direct deposit.
  • Only one FastCash loan per household.

Funds provided may be used right away. Talk to a loan officer today about FastCash or apply online.

*APR = Annual Percentage Rate. 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. Some restrictions may apply.

{{ personal-loans-unsecured }}

Simple Loan Calculator

{{ simple-loan }}

Need to make your loan payment?

You have a variety of options available to you for making your payment. Review and determine what best fits your needs.

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.

1. Vehicle Info
$
$
%
2. Loan Details
%
#
%
3. Lease Details
%
#
$
%
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.

$
#
%
What is the compounding interval?
  • 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.

$
#
%
$
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.

$
%
#
  • Total paid $0
  • Total interest paid $0

Autos, Trucks and Motorcycles

Finance your vehicle and save more with MembersAlliance. Plus, when you are applying for a new or used vehicle loan, or refinance from another bank, you can get 0.50% off your interest rate, now until December 31st. See our auto loans page for more details.

New Auto, Trucks, Vans, Motorcycles (New 2025; New untitled 2024)

Term APR (as low as) Pmt/$1,000
up to 36 Months 5.00% $29.97
37-78 Months 6.00% $29.67 - $15.51
79-84 Months 7.25% $15.96 - $15.22
85-96 Months / $40,000 Min. 8.25% $15.57 - $14.26

Used Auto, Trucks, Vans, Motorcycles (2024-2020)

Term APR (as low as) Pmt/$1,000
up to 36 Months 5.50% $30.20
37-78 Months 6.25% $29.78 - $15.63
79-84 Months      7.50% $16.08 - $15.34

Used Auto, Trucks, Vans, Motorcycles (2019-2017)

Term APR (as low as) Pmt/$1,000
up to 36 Months 6.00% $30.42
37-78 Months 6.50% $29.90 - $15.75
79-84 Months      7.50% $16.08 - $15.34

Used Auto, Trucks, Vans, Motorcycles (2016 and older)

Term APR (as low as) Pmt/$1,000
up to 24 Months 8.00% $45.23
25-36 Months 8.25% $43.67 - $31.45
37-48 Months 8.50% $30.82 - $24.65
49-60 Months / $20,000 Min. 8.75% $24.34 - $20.64

 

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 7.625% for the first year. Adjusts to the Wall Street Journal Prime Rate annually, which is currently at 7.750% 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 0.150% 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 2025; New untitled 2024)

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 (2024-2016)

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

Term Points Rate (as low as) Pmt/$10,000 APR
15 Year Fixed Rate 0.000 5.500% $81.71 5.674%
15 Year Fixed Rate  1.000 5.125% $79.73 5.414%
20 Year Fixed Rate  0.000 6.125% $72.37 6.314%
20 Year Fixed Rate 1.000 5.750% $70.21 6.054%
30 Year Fixed Rate  0.000 6.250% $61.57 6.600%
30 Year Fixed Rate  1.000 5.990% $59.89 6.389%
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 7.957%
20 Year 0.000 7.750% $83.53 8.554%
25 Year 0.000 7.750% $76.85 8.520%
30 Year 0.000 7.750% $72.89 8.501%
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 2025; New untitled 2024)

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 (2024-2017)

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 (2016 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% 5.000%
Loan Consolidation (5 year) 5.000% 5.250%
Loan Consolidation (10 year) 5.500% 6.00%
Loan Consolidation (15 year) 6.000% 6.500%

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.