Boost your purchasing power wherever you go — with a card that’s accepted worldwide.

Enjoy competitively low APR rates – as low as 8.90%APR. Members saved an average of $458 annually when using a MembersAlliance credit card compared to other area banks1

Features

  • Tap to pay for a more secure, convenient, and touch free experience
  • Make purchases virtually anytime, anywhere
  • Access account information through digital banking
  • Automatic payments available from your checking or savings account
  • Easily replaced if lost or stolen
  • Mobile purchases using tokenization
  • Protected using Verified by Visa

Fees

  • No annual fee
  • No balance transfer or cash advance fees
  • Same great rate on cash advances and balance transfers as purchases (unless better rate available in a special offer)
  • 25-day grace period for purchases
  • $25 late payment fee

Need help with your Credit Card? Visit our FAQ page.


1 Annual savings taken from 2023 CUNA Economics and Statistics Membership Benefits Report.

The latest MACU specials

3x Reward Point Special – Automate & Earn

Our super low interest rate of 8.90%APR paired with the ability to earn points for every purchase with our VISA credit card have always been key features. Starting January 15th, our MembersAlliance credit card has an added bonus to make it even better!

From January 15th to March 31st, current or new MembersAlliance VISA Platinum Rewards Credit Cards will earn 3x reward points for every recurring automatic bill payment.

Not sure what qualifies? Here’s a few examples:

  • Internet
  • Cell Phone Bill
  • TV & Streaming Services
  • I-Pass
  • Utilities
  • Insurance
  • Gym Membership

New credit card applications subject to credit approval. Maximum of 9,000 points earned on $3,000 recurring bill payment transactions each month of the promotional period running from 1/15/2024 – 3/31/2024. Transactions made after 3/31/2024 will accrue at the same rate as all other purchases = 1 point per $1 purchase. Some restrictions apply.

Choice Rewards

Earn points for every dollar spent with your credit card. Points can be collected and redeemed for a wide variety of great rewards. Rewards include travel and merchandise along with event tickets, gift cards, account credit, loan discounts and more! To view a current list of rewards and point values, or to redeem points for rewards, simply access your account through digital banking.

Visa Benefits

Shipt – Receive a free Shipt trial with your Visa credit card on orders $35+. Shipt does the shopping for you from select stores and brings it straight to your door. Explore this Shipt offer at Get a Free Shipt Trial from Visa.

Offer available from 9/17/2021 – 12/31/2024.

Sofar – Access exclusive ticket presale 7 days before select shows, and 1 free ticket per show for Sofar concerts and events with your Visa Credit Card. View this special Sofar offer and concerts at Sofar Sounds | Visa.

Offer available from 10/17/2023 to 05/16/2027.

Dovly Uplift - Get access to Dovly Uplift free with your card and start fixing, managing, and maintaining your credit online in seconds. Visit dovlyuplift.com to use this credit card benefit.

While Dovly's platform is designed to remove inaccuracies from your credit report, every case is different, and not everyone will achieve the same results.

Card Protection
Zero Liability - With Visa’s Zero Liability Policy, you won’t be held responsible for unauthorized transactions made with your Visa card. You’re covered if your card is ever lost, stolen or fraudulently used.

Visa’s Zero Liability policy does not apply to certain commercial card and anonymous prepaid card transactions or transactions not processed by Visa. Cardholders must use care in protecting their card and notify their issuing financial institution immediately of any unauthorized use. Contact your issuer for more details.

Cardholder support services – Access to 24/7 cardholder information and assistance, or to report if your card is lost or stolen. Call 1-800-847-2911 for U.S. assistance, or if you are traveling internationally, you can call any of the Visa toll free numbers with the corresponding country.


Emergency card replacement & cash disbursement – Have a lost, stolen or damaged card? Need emergency cash? Visa will block your card (if the card number is known) and connect you with your credit union. Following credit union approval, cardholders can get an emergency card replacement within one to three business days*.

*Some restrictions/limitations apply

Additional Protection services
NortonLifeLock – Our Visa credit card includes ID Navigator Powered by NortonLifeLock. This benefit is designed to provide peace of mind by helping you stay informed and knowing what to do when your identity is threatened. NortonLifeLock includes dark web monitoring, stolen wallet assist, and one-bureau credit monitoring alerts. Visit ID Protect – Card Benefit (cardbenefitidprotect.com) to get started.

Extended Warranty Protection - This service doubles the original manufacturer's U.S. written repair warranty, up to one additional year on eligible warranties of three years or less, when the item is purchased entirely on a covered Visa card.

Travel Accident Insurance $250,000 - Travel Accident Insurance provides Visa cardholders and their families with automatic common-carrier accidental death and dismemberment coverage every time they use their Visa card to purchase travel tickets. This coverage provides cardholders with valuable security and peace of mind, as well as an additional reason to use their Visa card for travel-related purchases.

Travel and Emergency Assistance Services - Travel and Emergency Assistance Services is available 24/7 by calling a dedicated toll-free number in the U.S., or through a collect telephone number when traveling abroad.

This program provides assistance only. Cardholders are responsible for the cost of any services received.

Customize your own alerts with Visa Purchase Alerts:

  • With near real-time alerts, you can receive updates on your Visa credit card activity through text or email, so you can monitor your Visa purchase activity and act quickly to reduce fraud — wherever you are.

To enroll in Purchase Alerts for your Visa credit card visit visa.com/PurchaseAlerts and follow the screens/prompts. If you use Purchase Alerts for you MembersAlliance Visa Debit Card, you will be able to use one login for both. If not, you will need to create an account and enter an email address and/or cell phone that you would like the Purchase Alerts sent to.

Visa Purchase Alerts is a consumer opt-in service powered by Visa that will give enrolled cardholders the ability to:

  • Closely monitor their Visa debit accounts
  • Check for unusual transaction activity and/or track spending levels immediately
  • Take action at the first sign of potential fraud

Once enrolled you can establish specific alert triggers. Anytime a qualified2 Visa transaction takes place that meets your defined parameters, you will receive an alert in seconds. Triggers can include:

  • Individual transaction amount thresholds
  • International transactions
  • Card-absent transactions, such as telephone or online orders

Alerts are sent to the phone number and/or email you provide at enrollment. These are just informational alerts and should a transaction appear suspicious or fraudulent you should contact the credit union as soon as possible.

Actual time to receive Alert dependent on service and coverage within area. Gasoline alerts may not include purchase amounts. Additional restrictions may apply.

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Teach you teen the value of budgeting and managing credit. These are valuable tools that your teen will use throughout their adult life. Understanding credit is something many adults, especially young adults, struggle with. Get your teen off on the right foot with a Teen Xtreme Visa Credit Card! They will learn to manage credit and budget for monthly expenses using their own MembersAlliance Visa Credit Card.

Teens must to be 16-17 years old, hold employment, and complete the Banzai Teen Financial Education Course. Parents must qualify as co-signers and card activity is not reported to the credit bureaus for the teens. Application can be taken at any location. For more information, please contact us directly at 815-226-2260 and ask to speak to a loan officer today.

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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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 0.150% 0.150% N/A
3 Month CD* $500 2.956% 3.000% 90 Days*
6 Month CD/IRA CD** $500 2.956% 3.000% 90 Days
7 Month CD*** $500 3.44% 3.500% 90 Days
12 Month CD/IRA CD $500 3.44% 3.500% 180 Days
18 Month CD/IRA CD $500 3.44% 3.500% 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.*** 7 month CD will automatically be rolled into a 6 month CD upon maturity unless otherwise specified.

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 5.625% $82.37 5.836%
15 Year Fixed Rate  1.000 5.125% $79.73 5.328%
20 Year Fixed Rate  0.000 6.125% $72.37 6.346%
20 Year Fixed Rate 1.000 5.875% $70.92 6.090%
30 Year Fixed Rate  0.000 6.375% $62.39 6.754%
30 Year Fixed Rate  1.000 5.920% $59.44 6.289%
5/6 Year ARM 0.000 N/A N/A N/A
7/6  Year ARM 0.000 6.250% 61.60 7.648%
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 5.625% $83.81 6.391%
20 Year 0.000 5.750% $71.44 6.595%
25 Year 0.000 5.750% $64.01 6.550%
30 Year 0.000 5.750% $59.38 6.521%
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 0.150% 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 4.500% 5.750%
Loan Consolidation (5 year) 5.500% 6.000%
Loan Consolidation (10 year) 6.000% 6.750%
Loan Consolidation (15 year) 6.500% 7.250%

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.