Boost your purchasing power wherever you go — with a card that’s accepted worldwide.
As low as 8.90% APR.
3x Reward Point Special – Automate & Earn
Boost your VISA credit card rewards with our 3x reward point special. All regular automatic bill payment transactions made between May 1st to June 30th on your VISA Platinum Rewards Credit Card will qualify for 3x reward points.
Not sure what qualifies? Here’s a few examples:
- Internet
- Cell Phone Bill
- TV & Streaming Services
- I-Pass
- Utilities
- Insurance
- Gym Membership
This point special is available for members with both new and current MembersAlliance credit cards. Points can be redeemed for a lower interest rate on your next MembersAlliance loan, gift cards, travel, and more. If you do not have your Visa Platinum Rewards Credit Card yet, and would like to take advantage of this special, and our awesome low rates (as low as 8.90%APR!), you can apply online today, give us a call, or stop by any of our locations.
New credit card applications subject to credit approval. Maximum of 9,000 points earned on $3,000 recurring bill payment transactions per month of the promotional period running from 5/1/2023 – 6/30/2023. Transactions made after 6/30/2023 will accrue at the same rate as all other purchases = 1 point per $1 purchase. Some restrictions apply.
- Competitively low APR rates
- Members save an average of $467 annually when using a MembersAlliance credit card compared to other area banks1
- 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)
- Tap to pay with your credit card for a more secure, convenient, and touch free experience
- Make purchases virtually anytime, anywhere
- 25-day grace period for purchases
- $25 late payment fee
- Access account information through online banking
- Automatic payments available from your checking or savings account
- Easily replaced if lost or stolen
- Mobile purchases using tokenization
- A variety of benefits available:
- ID Navigator Powered by NortonLifeLock© available complimentary for all credit cardholders
- $250,000 travel accident insurance coverage
- Travel and emergency assistance services
- Cardholder inquiry service
- Emergency card replacement and emergency cash disbursement
- Roadside dispatch
- Choice Rewards program available
- To redeem points, log into your online banking, and click on the Visa Credit Card tab at the top of your screen
- Protected using Verified by Visa
- 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 hpone 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.
-
Visit our FAQ page to learn more.
Teen Xtreme Visa Credit Card
Teach you teen the value of budgeting and managing credit. These are valuable tools that your teen will use throughout their adult life. Undestanding 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.
1 Annual savings taken from 2022 CUNA Economics and Statistics Membership Benefits Report.
Earn points just for using your card. You can redeem those points 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 the point values, or to redeem points for rewards, simply access your account through your WebDirect online banking login, and then click on the Credit Card tab at the top of your screen. You will enter the Account Overview screen.
{{ visa-credit-card }}
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 2024; New untitled 2023)
| Term | Rate (as low as) | Pmt/$1,000 |
|---|---|---|
| 24-54 Months | 5.00% | $43.87 -$20.72 |
| 55-78 Months | 5.25% | $20.50- $15.16 |
| 79-84 Months | 6.25% | $15.48 - $14.74 |
| 85-96 Months / $40,000 Min. | 7.25% | $15.08 - $13.76 |
Used Auto, Trucks, Vans, Motorcycles (2023-2019)
| Term | Rate (as low as) | Pmt/$1,000 |
|---|---|---|
| 24-54 Months | 5.25% | $43.98 - $20.84 |
| 55-78 Months | 5.25% | $20.50 - $15.16 |
| 79-84 Months | 6.25% | $15.48 - $14.74 |
Used Auto, Trucks, Vans, Motorcycles (2018-2016)
| Term | Rate (as low as) | Pmt/$1,000 |
|---|---|---|
| 24-54 Months | 5.25% | $43.98 - $20.84 |
| 55-78 Months | 5.25% | $20.50 - $15.16 |
| 79-84 Months | 6.25% | $15.48 - $14.74 |
Used Auto, Trucks, Vans, Motorcycles (2015 and older)
| Term | Rate (as low as) | Pmt/$1,000 |
|---|---|---|
| 24 Months | 5.50% | $44.09 |
| 25-36 Months | 6.00% | $42.65 - $30.42 |
| 37-48 Months | 6.25% | $29.79 - $23.60 |
| 49-60 Months / $20,000 Min. | 6.50% | $23.29 - $19.57 |
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 8.125% for the first year. Adjusts to the Wall Street Journal Prime Rate annually, which is currently at 8.250% 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 | 0.100% | 0.100% | 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 | 4.500% | 4.602% | 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.
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 |
|---|---|---|
| Unsecured - Signature Loan 6 Months | 5.50% | $169.35 |
| Unsecured - Signature Loan 12 Months | 6.50% | $86.30 |
| Unsecured - Signature Loan 18 Months | 7.50% | $58.92 |
| Unsecured - Signature Loan 24 Months | 8.50% | $45.46 |
| Unsecured - Signature Loan 36 Months | 9.50% | $32.04 |
| Unsecured - Signature Loan 48 Months | 10.50% | $25.61 |
| Unsecured - Signature Loan 60 Months | 11.50% | $22.00 |
| 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 (as low as) | Pmt/$10,000 | APR |
|---|---|---|---|---|
| 15 Year Fixed Rate | 0.000 | 5.125% | $82.05 | 5.522% |
| 15 Year Fixed Rate | 1.000 | 4.625% | $79.45 | 5.016% |
| 20 Year Fixed Rate | 0.000 | 5.875% | $72.59 | 6.161% |
| 20 Year Fixed Rate | 1.000 | 5.375% | $68.09 | 5.791% |
| 30 Year Fixed Rate | 0.000 | 5.875% | $59.15 | 6.304% |
| 30 Year Fixed Rate | 1.000 | 5.500% | $56.78 | 6.019% |
| 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 (as low as) | Pmt/$10,000 | APR |
|---|---|---|---|---|
| 15 Year | 0.000 | 6.125% | $89.82 | 7.271% |
| 20 Year | 0.000 | 6.000% | $77.43 | 7.787% |
| 25 Year | 0.000 | 6.000% | $70.10 | 7.644% |
| 30 Year | 0.000 | 5.875% | $64.75 | 7.417% |
| 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 | 0.100% | 0.100% | $25 |
| Youth Accounts | 0.100% | 0.100% | $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 | 0.100% | 0.100% | No Minimum Deposit Required |
| Vacation Club | 0.100% | 0.100% | 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* | Variable Rate** |
| Undergraduate – Line of Credit | 4.250% | 5.000% |
| Loan Consolidation (5 year) | 4.250% | 5.000% |
| Loan Consolidation (10 year) | 4.750% | 5.250% |
| Loan Consolidation (15 year) | 5.250% | 5.500% |
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.