Be empowered to meet your financial goals and improve your financial wellbeing.
Have you been striving to improve your credit score or to advance your budgeting and savings goals and don't know where to start? We can help! MembersAlliance has a team of Certified Financial Counselors available to empower you with personalized financial guidance that will help you along the road to financial wellness.
What is a Certified Financial Counselor?
Certified Financial Counselors are specifically trained to work with you on your financial planning, from maximizing saving and retirement goals, to helping identify leaks in your spending habits, and helping you set a budget. They will work with you on a one-on-one basis to make sure what is being discussed is 100% relevant to you.
Financial Counselors can help with:
- building a budget
- reducing debt
- improve your credit
- navigate the financial stressors in life
Our counselors will follow up with you based on the agreed upon communication going forward. Whether it is more in person meetings, phone calls, or emails, the goal is to help you achieve your financial goals, in the way that best meets your needs. We are here to support and encourage you to achieve your financial goals.
Our Certified Financial Counselors are truly here to help, available to work with anyone in our community, members and non-members alike.
Get in touch with a Certified Financial Counselor.
We are committed to being a positive force in our community and to help improve the financial wellbeing of everyone. This free service is open to members and non-members alike. You can schedule a meeting with a Financial Counselor at any of our locations by giving us a phone call, stopping at a location, or sending us a message through our website.
More resources at your fingertips.
MembersAlliance is pleased to offer a variety of financial resources and tools to help you meet your goals. Earn rewards while using our financial coaches with Learn & Earn, try our customizable budgeting spreadsheet and financial calculators, peruse our blog, or use our free online financial education tool called Banzai.
Learn & Earn
Learn & Earn is a customized collection of resources that takes the user through a variety of personal finance lessons, on specific topics, meant to broaden their knowledge and incentivizing them for doing so.
This program offers a wide variety of courses that offer fun and interactive learning. Learn relevant information and earn rewards ranging from loan discounts on auto and personal loans, discounts on mortgage closing costs, to Amazon e-gift cards. Ultimately, there is something for everyone!
Budgeting Spreadsheet and Financial Calculators
Utilize our budgeting spreadsheet to plan your budget and our calculators to determine loan interest, affordability, and savings growth.
Blog
Our blog is a resource that highlights recent scams, discusses personal finance topics, and answers common loan and mortgage questions. If you are curious about a personal finance topic, check out our blog.
Banzai!
Banzai contains interactive courses that simulate real-world decisions you may face with your personal finances. It also has great coaches that walk you through your own financial questions — like budgeting or what loan you can afford.
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 2025; New untitled 2024)
| 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 (2024-2020)
| 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 (2019-2017)
| 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 (2016 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 | 0.995% | 1.000% | 90 Days* |
| 6 Month CD/IRA CD** | $500 | 1.980% | 2.000% | 90 Days |
| 12 Month CD/IRA CD | $500 | 2.956% | 3.000% | 180 Days |
| 18 Month CD/IRA CD | $500 | 2.956% | 3.000% | 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.
Money Market Accounts
| Balance | Rate | APY |
|---|---|---|
| $2,500 - $9,999.99 | 0.946% | 0.950% |
| $10,000 - $24,999.99 | 1.094% | 1.100% |
| $25,000 - $99,999.99 | 1.341% | 1.350% |
| $100,000+ | 1.587% | 1.600% |
Off Road RVs, Snowmobiles and Jet Skis
New Snowmobile, Off-Road RV, Jet Ski (New 2025; New untitled 2024)
| 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 (2024-2016)
| 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 | 5.375% | $81.05 | 5.590% |
| 15 Year Fixed Rate | 1.000 | 5.000% | $79.08 | 5.373% |
| 20 Year Fixed Rate | 0.000 | 5.990% | $71.59 | 6.216% |
| 20 Year Fixed Rate | 1.000 | 5.750% | $70.21 | 6.052% |
| 30 Year Fixed Rate | 0.000 | 6.500% | $63.21 | 6.889% |
| 30 Year Fixed Rate | 1.000 | 6.250% | $61.57 | 6.633% |
| 5/6 Year ARM | 0.000 | N/A | N/A | N/A |
| 7/6 Year ARM | 0.000 | 6.375% | 62.39 | 7.697% |
| 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 | 5.750% | $84.49 | 6.522% |
| 20 Year | 0.000 | 6.125% | $73.63 | 6.980% |
| 25 Year | 0.000 | 5.990% | $65.50 | 6.797% |
| 30 Year | 0.000 | 5.990% | $60.94 | 6.768% |
| 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 2025; New untitled 2024)
| 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 (2024-2017)
| 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 (2016 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.