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

  • Competitively low APR rates
  • 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 fraud alerts and Smart Controls through your online login (Sign in to WebDirect and click the Visa Credit Card Tab at the top of your screen).
    • Set text notifications for transactions
    • Turn your card on or off
    • and more!

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.

 

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.

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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 2023; New untitled 2022)

Term Rate (as low as) Pmt/$1,000
24-54 Months 4.75% $43.76 - $20.61
55-78 Months 5.00% $20.39 - $15.05
79-84 Months 5.50% $15.12 - $14.38
85-96 Months / $40,000 Min. 5.75% $14.36 - $13.03

Used Auto, Trucks, Vans, Motorcycles (2021-2018)

Term Rate (as low as) Pmt/$1,000
24-54 Months 5.00% $43.88 - $20.72
55-78 Months 5.25% $20.50 - $15.17
79-84 Months      5.75% $15.24 - $14.50

 

Used Auto, Trucks, Vans, Motorcycles (2017-2015)

Term Rate (as low as) Pmt/$1,000
24-54 Months 5.25% $43.99 - $20.84
55-78 Months 5.75% $20.73 - $15.40
79-84 Months      6.00% $15.36 - $14.62

Used Auto, Trucks, Vans, Motorcycles (2014 and older)

Term Rate (as low as) Pmt/$1,000
24 Months 6.25% $44.44
25-36 Months 6.50% $42.88 - $30.66
37-48 Months 6.75% $30.02 - $23.84
49-60 Months / $20,000 Min. 7.25% $23.65 - $19.93

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 5.000% $43.88 - $18.88
61-120 Months 5.750% $18.95 - $10.98
121-180 Months 6.000% $11.04 - $8.45

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 6.875% for the first year. Adjusts to the Wall Street Journal Prime Rate annually, which is currently at 7.000% 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
7 Mo. CD Special $500 2.664% 2.700% 90 Days
13 Mo. CD Special $500 3.198% 3.250% 180 Days
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 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 1.785% 1.801%
$10,000 - $24,999.99 2.035% 2.056%
$25,000 - $99,999.99 2.285% 2.311%
$100,000+ 2.435%  2.465%

Off Road RVs, Snowmobiles and Jet Skis

New Snowmobile, Off-Road RV, Jet Ski (New 2023; New untitled 2022)

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 (2021-2013)

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 5.00% $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 (as low as) Pmt/$10,000 APR
15 Year Fixed Rate 0.000 5.875% $85.38 6.159%
15 Year Fixed Rate  1.000 5.625% $84.04 5.902%
20 Year Fixed Rate  0.000 6.250% $74.76 6.544%
20 Year Fixed Rate 1.000 5.990% $73.25 6.313%
30 Year Fixed Rate  0.000 6.625% $66.45 7.057%
30 Year Fixed Rate  1.000 6.250% $63.99 6.676%
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 5.250% $81.79 7.219%
20 Year 0.000 5.875% $72.16 7.631%
25 Year 0.000 5.875% $64.78 7.491%
30 Year 0.000 5.875% $60.19 7.389%
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 2023; New untitled 2022)

Term Rate (as low as) Pmt/$1,000
25-54 Months 5.00% $42.21 - $20.72
55-78 Months 6.00% $20.85 - $15.52
79-90 Months 6.75% $15.72 - $14.20
91-126 Months / $40,000 Min 7.25% $14.32 - $11.37
127-180 Months / $40,000 Min 7.50% $11.44 - $9.28
181-246 Months / $60,000 Min. 8.00% $9.54 - $8.29

Used Recreational Vehicles (2021-2015)

Term Rate (as low as) Pmt/$1,000
25-54 Months 5.25% $42.32 - $20.84
55-78 Months 6.25% $20.96 - $15.64
79-90 Months 7.00% $15.84 - $14.32

91-126 Months / $40,000 Min

7.25% $14.32 - $11.37
127-180 Months / $40,000 Min 7.50% $11.44 - $9.28

Used Recreational Vehicles (2014 and older)

Term Rate (as low as) Pmt/$1,000
25-54 Months 6.25% $42.77 - $21.30
55-78 Months 6.75% $21.20 - $15.88
79-90 Months 7.25% $15.96 - $14.44
91-126 Months / $40,000 Min. 7.75% $14.57 - $11.63

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

Credit Score Rate Index (Prime Rate) Margin Rate
=>820 7.000% -0.250% 6.750%
760-819 7.000% 1.500% 8.50%
700-759 7.000% 2.750% 9.750%
680-699 7.000% 3.750% 10.750%
660-679 7.000% 5.750% 12.750%

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.