We have all the convenience you need. Manage your MACU accounts from anywhere, 24/7.
Online Banking
- Free, secure, and easy-to-use service for MACU members
- Manage a number of banking activities anytime, anywhere with internet access:
- Access eStatements
- View account balances and history
- Transfer funds between accounts
- View checks written
- Make loan payments
- And more
Bill Pay
- Pay one-time or recurring bills with ease:
- Schedule payments in advance
- Set up payment reminders
- Ensure payments are received on time
- Have all payee information in one convenient place
- Retain funds until paper drafts are presented for payment
- Avoid paper clutter
- More secure than paper billing
- Make more time for yourself; fewer branch trips necessary
- Pay your bills online via Alexa
- $5 monthly fee (may be waived with MyCashback Checking when account requirements are met)
Learn Even More
Want to see more? Watch the tutorial videos linked below or browse this demo site to see how it works.
Mobile Banking
- Fast, free, and secure service for members enrolled in online banking1
- Easily keep track of your finances — even on the go:
- View account balances
- Make deposits
- Review history
- Transfer funds between accounts
- Activate your debit card
- Pay bills and loans
- Enable or disable your debit card
- View check images
- Find your nearest MACU ATM or branch
- Download the app for iPhone® and Android™ devices
- Save valuable time and effort; avoid an extra trip to a branch
Mobile Wallet
- Load your debit card into your preferred mobile wallet:
- Apple Pay
- Samsung Pay
- Google Pay
Mobile Deposit
- Deposit checks anytime, anywhere from your mobile phone
- Available for members with a MACU checking account
- Save time, avoid unnecessary trips to a branch
- Deposit your check with a few taps of your finger:
- Take a picture of the front and back of your check, following the on-screen instructions (make sure you sign it)
- Select the account into which you want to make the deposit
- Enter the check amount
- Verify that everything on the screen is correct, then submit it
- We'll confirm that the check has been received
Important: When you endorse your check for mobile deposit, please also write "MACU - For Mobile Deposit Only.”
Need Assistance?
Give us a call at 815.226.2260 if you need assistance with WebDirect Mobile Banking.
- Save paper and save the environment
- Fast, free, and easy alternative to paper statements
- Access up to 36 months of past statements
- Easier to retrieve info when needed
- Eliminate a paper trail
- Reduce chances of fraud and identity theft
- Arrive faster than paper statements
- Simplify recordkeeping
- Easily access past statements
- Ability to download for permanent storage or print if needed
- Receive email notice when new eStatement is ready
Monitor your accounts more closely with this convenient add-on service! Find out quickly when your balance falls below a certain amount, when checks clear your account, when a withdrawal exceeds a certain amount, when payments are due, and much more.
- Receive free eAlerts1 via email & text message
- Configure alerts for a number of tasks
- Low balances, deposits, checks clearing, payments due, and more!
- Safe and easy to use
- Access through WebDirect online banking
Setting up your eAlerts is EASY!
- Log into your online banking (eAlerts must be initially set-up through website log in, not mobile banking)
- Click on the Services tab at the top
- Choose eAlerts and hit continue
- Under Alert Settings click the Add Alert button
- Use the Select Alert Type or Account drop down menu to select from security and various account setting options and set up the eAlerts that are important to you!
It's that EASY!
Learn & Earn is an educational incentive program geared to equip our members with personal finance lessons.
This program offers a wide variety of courses that offer fun and interactive learning. Along with the learning is reward earning. From loan discounts to amazon e-gift cards, there is something for everyone.
Check out our cyber safety course and reward below.
Cyber safety course ($5 amazon e-gift card)
The world wide web can be a hazardous place when it comes to personal information. Protecting your banking and personal information is vital. Learn how to avoid scams and use digital tools with this fun course.
How do I get my reward?
- Must be 18 or older
- Must have an account at MembersAlliance
- Complete all course material in this section
Once completed, a MembersAlliance employee will verify membership and send the e-gift card to your email account within seven business days.
Rewards disclaimer: Members must be in good standing, and are eligible to receive each available incentive one time per member only. Members must meet each tutorial’s requirements to receive the corresponding incentive. Incentive eligibility and payout is subject to review and approval by MembersAlliance Credit Union. Loan discounts and closing costs available on approved loans. Loans subject to credit approval. Some restrictions may apply. MembersAlliance employees are not eligible. Individual incentives may be rejected if MembersAlliance determines the individual does not qualify for redemption or attempts to subvert the intended nature of the program for personal gain.
1WiFi access or 3G or higher network is required. Mobile service provider download and usage charges may apply. See your service provider's terms and conditions.
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 2023; New untitled 2022)
| 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 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 | 0.100% | 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.
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 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 | 5.50% | $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 | 5.625% | $84.04 | 5.902% |
| 15 Year Fixed Rate | 1.000 | 5.125% | $81.40 | 5.396% |
| 20 Year Fixed Rate | 0.000 | 5.990% | $73.25 | 6.036% |
| 20 Year Fixed Rate | 1.000 | 5.625% | $71.16 | 5.908% |
| 30 Year Fixed Rate | 0.000 | 6.125% | $63.18 | 6.549% |
| 30 Year Fixed Rate | 1.000 | 5.820% | $61.22 | 6.393% |
| 5/1 Year ARM | 0.000 | N/A | N/A | N/A |
| 7/1 Year ARM | 0.000 | 6.125% | $60.76 | 7.003% |
FHA Mortgages - 3.5% Down
| Term | Points | Rate (as low as) | Pmt/$10,000 | APR |
|---|---|---|---|---|
| 15 Year | 0.000 | 6.625% | $92.61 | 8.612% |
| 20 Year | 0.000 | 6.000% | $77.43 | 7.787% |
| 25 Year | 0.000 | 6.000% | $70.10 | 7.644% |
| 30 Year | 0.000 | 6.000% | $65.56 | 7.530% |
| 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 | 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% | 4.500% |
| Loan Consolidation (5 year) | 4.250% | 4.500% |
| Loan Consolidation (10 year) | 4.750% | 4.750% |
| Loan Consolidation (15 year) | 5.250% | 5.000% |
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.