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Rates

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MembersAlliance Credit Union offers some of the most competitive rates for deposit accounts, investment vehicles, and loans in Rockford, Illinois and surrounding counties. Take a look at our current rates below.

APY=Annual Percentage Yield

APR=Annual Percentage Rate

Savings/Checking Rates

Last update: April 25, 2017. Rates may change after account opening.

AccountsRateAPYMinimum Opening Deposit
Regular Savings .050%.050%$25
Youth Accounts.050%.050%$5
Checking (Basic, CheckMax, CheckMaxPlus).000%.000%No Minimum Deposit Required
Business Checking.000%.000%No Minimum Deposit Required
Christmas Clubs.050%.050%No Minimum Deposit Required
Vacation Clubs.050%.050%No Minimum Deposit Required
Escrow.050%.050%No Minimum Deposit Required

IRA/CD Rates

Last update: April 25, 2017. Rates may change after account opening.

Type/TermMinimum Opening DepositRateAPYPenalty for early withdrawal
Base IRA (Primary, Education, Roth)$500.00.050%.050%NA
3 month CD$500.00.080%.080%90 days
6 month CD/IRA**$500.00.120%.120%90 days
12 month CD/IRA $500.00.200%.200%180 days
18 month CD/IRA$500.00.240%.240%180 days
24 month CD/IRA$500.00.340%.341%180 days
30 month CD/IRA$500.00.380%.381%180 days
36 month CD/IRA$500.00.420%.421%180 days
48 month CD/IRA$500.00.600%.602%365 days
60 month CD/IRA$500.000.850%0.854%365 days

Minimum Deposit = $500.00. A penalty will or may be imposed for early withdrawals. ** 6 month CD not eligible for Roth and Education IRAs.

Money Market Accounts

Last update: April 25, 2017. Rates may change after account opening.

Money Market AmountRateAPY
Above $99,999.99.170%.170%
$25,000.00 to $99,999.99.130%.130%
$10,000.00 to $24,999.99.080%.080%
$2,500.00 to $9,999.99 .050%.050%

Autos, Trucks and Motorcycles

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).

Last update: April 25, 2017. Rates may change after account opening.

Loan rates may vary based on credit evaluation. Monthly Payment Installment samples shown under rates are based on every $1000 borrowed and the minimum term and maximum term within each term range.

Loan Type/Term24 months25-36 months37-54 months55-66 months67-78 months79-90 months91-126 months

Min. $40,000

New Auto, Trucks, Vans, Motorcycles (2016/2017)2.750%

$42.88

2.750%

$41.21- $28.98

3.000%

$28.34- $19.83

3.000%

$19.16- $16.46

3.250%

$16.35- $14.25

3.500%

$14.20- $12.66

3.750%

$12.65- $9.62

Used Auto, Trucks, Vans, Motorcycles (2016-2013)2.750%

$42.88

2.750%

$41.21- $28.98

3.000%

$28.34- $19.83

3.000%

$19.16- $16.46

3.500%

$16.46- $14.36

3.750%

$14.31- $12.77

NA
Used Auto, Trucks, Vans, Motorcycles (2012-2010)3.000%

$42.99

3.250%

$41.43- $29.20

3.500%

$28.56- $20.05

3.500%

$19.07- $16.69

N/AN/ANA
Used Auto, Trucks, Vans, Motorcycles (2009-2007)3.500%

$43.21

3.750%

$41.66- $29.42

4.000%

$28.78- $20.27

4.250%

$20.05- $17.05

N/AN/ANA
Used Auto, Trucks, Vans, Motorcycles (2006)4.500%

$43.66

4.750%

$42.10- $29.87

5.000%

$29.23- $20.73

N/AN/AN/ANA
Used Auto, Trucks, Vans, Motorcycles (2005 and older)4.750%

$43.77

5.250%

$42.33- $30.09

N/AN/AN/AN/ANA

Recreational Vehicles (Boats, Motor Homes, 5th Wheels, Travel Trailers, Campers)

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).

Last update: April 25, 2017. Rates may change after account opening.

Loan rates may vary based on credit evaluation. Monthly Payment Installment samples shown under rates are based on every $1000 borrowed and the minimum term and maximum term within each term range.

Loan Type/Term24 months25-36 months37-54 months55-66 months67-78 months79-90 months91-126 months127-186 months187-246 months
New Recreational Vehicles (New 2016/2017)2.750%

$42.88

2.750%

$41.21- $28.98

3.000%

$28.34- $19.83

3.000%

$19.49- 16.46

3.250%

$16.46- $14.25

3.500%

$14.20- $12.66

3.750%

$12.65- $9.62

4.000%

$9.68- $7.23

4.250%

$7.33- $6.10

Used Recreational Vehicles (2016-2013)2.750%

$42.88

2.750%

$41.21- $28.98

3.000%

$28.34- $19.83

3.000%

$19.49- 16.46

3.250%

$16.46- $14.25

3.500%

$14.20- $12.66

3.750%

$12.65- $9.62

4.000%

$9.68- $7.23

4.250%

$7.33- $6.10

Used Recreational Vehicles (2012-2010)3.000%

$42.99

3.250%

$41.43- $29.20

3.500%

$28.56- $20.05

3.500%

$19.71- $16.69

3.750%

$16.57- $14.47

4.000%

$14.43- $12.89

4.250%

$12.88- $9.86

4.500%

$9.92- $7.484

4.750%

$7.59- $6.38

Used Recreational Vehicles (2009-2007)3.500%

$43.21

3.750%

$41.66- $29.42

4.000%

$28.78- 20.27

4.000%

$19.94- $16.91

4.250%

$16.80- $14.70

4.500%

$14.70- $13.12

5.000%

$13.23- $10.23

5.500%

$10.41- $8.01

6.000%

$8.25- $7.08

Used Recreational Vehicles (2006)3.750%

$43.32

4.000%

$41.77- $29.53

4.250%

$29.89- $20.39

4.250%

$20.05- $17.03

4.500%

$16.91- $14.82

5.000%

$14.89- $13.35

5.500%

$13.47- $10.47

5.750%

$10.54- $8.14

6.000%

$8.25- $7.08

Used Recreational Vehicles (2005 and Older)4.000%

$43.43

4.250%

$41.88- $29.64

4.500%

$29.00- $20.50

4.500%

$20.16- $17.14

4.750%

$17.03- $14.93

5.750%

$15.24- $13.71

6.000%

$13.71- $10.72

6.250%

$10.79- $8.42

6.750%

$8.42- $7.52

Off Road RVs, Snowmobiles and Jet Skis

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).

Last update: April 25, 2017. Rates may change after account opening.

Loan rates may vary based on credit evaluation. Monthly Payment Installment samples shown under rates are based on every $1000 borrowed and the minimum term and maximum term within each term range.

Loan Type/Term24 months36 months48 months60 months72 months84 months
New Snowmobile, Off-Road RV, Jet Ski5.500%

$44.11

5.750%

$30.32

6.000%

$23.49

6.250%

$19.46

N/AN/A
Used Snowmobile, Off-Road RV, Jet Ski 6.000%

$44.33

6.250%

$30.55

6.500%

$23.72

N/AN/AN/A

Computer and other Durable Goods

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).

Last update: April 25, 2017. Rates may change after account opening.

Loan rates may vary based on credit evaluation. Monthly Payment Installment samples shown under rates are based on every $1000 borrowed and the minimum term and maximum term within each term range.

Loan Type/Term24 months36 months48 months60 months72 months84 months
Computer and other Durable Goods7.000%

$44.79

8.000%

$31.35

9.000%

$24.90

N/AN/AN/A

Share (CD) Secured

Last update: April 25, 2017. Rates may change after account opening.

Loan Type/TermRate
Savings Secured - CD Account 2.00% over CD rate

Personal Loans (Unsecured)

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.

Last update: April 25, 2017. Rates may change after account opening.

Loan rates may vary based on credit evaluation. Monthly Payment Installment samples shown under rates are based on every $1000 borrowed and the minimum term and maximum term within each term range.

Loan Type/TermRate
Unsecured - Signature Loan 6 Months5.000%

$169.13

Unsecured - Signature Loan 12 Months5.500%

$85.85

Unsecured - Signature Loan 18 Months6.500%

$58.47

Unsecured - Signature Loan 24 Months7.500%

$45.01

Unsecured - Signature Loan 36 Months8.500%

$31.58

Unsecured - Signature Loan 48 Months8.500%

$24.66

Unsecured - Signature Loan 60 Months8.500%

$20.53

Unsecured - Line of Credit10.90%

3% of Limit

CU Student Choice

Last update: April 25, 2017. Rates may change after account opening.

Credit ScoreRate IndexMarginRate
=> 740Prime 3.25%3.00%6.25%
680 - 739Prime 3.25%3.25%6.50%
660 - 679Prime 3.25%4.25%7.50%

Adjustable quarterly based on the Prime Rate. Floor Rate: 6.00%, Ceiling Rate: 18.00%

Primary Mortgage

Last update: April 25, 2017. Rates may change after account opening.

Monthly Payment Installment samples shown under rates are based on every $10,000 borrowed. Mortgage Loan Rates & APR are based on $150,000 loan with 5% down. **HARP Mortgage Loan Rates & APR are based on a refinanced loan amount of $150,000 and a LTV of 125%.

MortgagesRateAPRPoints
15 Year Fixed Rate Mortgage3.125%

$69.66

3.396%.00
15 Year Fixed Rate Mortgage2.990%

$69.01

3.259%1.000
15 Year HARP Loan**3.750%

$72.72

4.274%.00
15 Year FHA Fixed Rate Mortgage3.125%

$69.66

4.985%.00
20 Year FHA Fixed Rate Mortgage3.625%

$58.64

5.505%.00
25 Year FHA Fixed Rate Mortgage3.625%

$50.74

5.358%.00
30 Year Fixed Rate Mortgage 3.990%

$47.68

4.391%.00
30 Year Fixed Rate Mortgage3.750%

$46.31

4.140%1.000
30 Year HARP Loan**4.125%

$48.46

4.638%.00
30 Year FHA Fixed Rate Mortgage3.625%

$45.61

5.249%.00
5/1 Year ARM2.990%

$42.11

3.915%.00
5/1 Year FHA ARM3.625%

$45.61

5.714%.00
7/1 Year ARM3.250%

$43.52

3.925%.00
Construction Loan - 6 Month TermPrime1.00

Home Equity

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).

Last update: April 25, 2017. Rates may change after account opening.

Monthly Payment Installment samples shown are based on every $1000 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 Fixed Rate

Up to 80% Loan to Value

Term (months)RatePayment
244.000%$43.43
364.250%$29.64
484.250%$22.70
604.250%$18.54
724.375%$15.82
844.375%$13.85
964.375%$12.37
1084.375%$11.22
1204.500%$10.37
1804.500%$7.66
Home Equity Line of Credit — Adjustable Rate
Rate discounted at 3.875% for the first year. Adjusts to Wall Street Journal Prime Rate annually, which is currently at 4.000%. Maximum APR = 18% Annual Fee = $10.00
Loan to Value up to 80%

Mobile Home

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).

Last update: April 25, 2017. Rates may change after account opening.

Mobile Home Loans Are Temporarily UnavailableRate
New - 120 MonthsNA
New - 180 MonthsNA
Used - 120 MonthsNA
Used - 180 MonthsNA

Monthly Payment Installment samples shown under rates are based on every $1000 borrowed.

Visa Credit Card

Last update: April 25, 2017. Rates may change after account opening.

Annual Percentage Rate (APR) for Purchases, Cash Advances and Balance Transfers.
Visa Platinum Rewards Card: 8.90% to 15.90% based on your creditworthiness at the time of account opening.