Your home could fund your next project. Turn that hard-earned equity into cash you can use.
As low as 6.00% APR.
Did you know MembersAlliance members saved an estimated THREE POINT FOUR MILLION Dollars last year alone by choosing to bank at MembersAlliance versus the other guys?!
With an average ANNUAL SAVINGS of $210 on Home Equity Lines of Credit compared to area banks, why would you go anywhere else?1
You work hard for what you have, and we're working hard for you to maximize your savings.
Banking with MembersAlliance amounts to real savings…real money in your pocket…where it belongs.
See how much you could save with your mortgage at MembersAlliance!
1 Annual Savings received from 2023 CUNA Economic and Statistic Membership Benefit Report.
- Convert the equity in your home into cash you can use
- Competitive rates for several short-term or one-time needs:
- Education expenses
- Major life events
- Home remodel projects
- Debt consolidation
- And much more
- The existing equity in your home is used as collateral backing
- Accommodating repayment terms that work uniquely for you
- The interest paid might be tax deductible2
- Quick, local decision-making and processing
- Attentive, friendly service from start to finish
Take a look at our Home Equity Application Checklist (PDF) to expedite your application!
Nationwide Mortgage Licensing System "NMLS"
The Secure and Fair Enforcement for Mortgage Licensing "SAFE Act" requires the registration of a mortgage loan originator "MLO" on the "NMLS" federal registry.
MLO's" registered through MembersAlliance Credit Union NMLS # 486795 are:
Gianna Apel, NMLS # 1983509 Apply with me today!
Chris Phillips NMLS # 1571793 Apply with me today!
Ela Woolger NMLS # 2558513 Apply with me today!
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Need to make your loan payment?
You have a variety of options available to you for making your payment. Review and determine what best fits your needs.
1 Annual savings taken from 2023 CUNA Economics and Statistics Membership Benefits Report. 2 Consult a tax advisor.
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
Finance your vehicle and save more with MembersAlliance. Plus, when you are applying for a new or used vehicle loan, or refinance from another bank, you can get 0.50% off your interest rate, now until December 31st. See our auto loans page for more details.
New Auto, Trucks, Vans, Motorcycles (New 2025; New untitled 2024)
| Term | APR (as low as) | Pmt/$1,000 |
|---|---|---|
| up to 36 Months | 5.00% | $29.97 |
| 37-78 Months | 6.00% | $29.67 - $15.51 |
| 79-84 Months | 7.25% | $15.96 - $15.22 |
| 85-96 Months / $40,000 Min. | 8.25% | $15.57 - $14.26 |
Used Auto, Trucks, Vans, Motorcycles (2024-2020)
| Term | APR (as low as) | Pmt/$1,000 |
|---|---|---|
| up to 36 Months | 5.50% | $30.20 |
| 37-78 Months | 6.25% | $29.78 - $15.63 |
| 79-84 Months | 7.50% | $16.08 - $15.34 |
Used Auto, Trucks, Vans, Motorcycles (2019-2017)
| Term | APR (as low as) | Pmt/$1,000 |
|---|---|---|
| up to 36 Months | 6.00% | $30.42 |
| 37-78 Months | 6.50% | $29.90 - $15.75 |
| 79-84 Months | 7.50% | $16.08 - $15.34 |
Used Auto, Trucks, Vans, Motorcycles (2016 and older)
| Term | APR (as low as) | Pmt/$1,000 |
|---|---|---|
| up to 24 Months | 8.00% | $45.23 |
| 25-36 Months | 8.25% | $43.67 - $31.45 |
| 37-48 Months | 8.50% | $30.82 - $24.65 |
| 49-60 Months / $20,000 Min. | 8.75% | $24.34 - $20.64 |
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 | APR (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.
FastCash Loan
| Loan Type/Term | Rate (as low as) | Pmt/$1,000 |
|---|---|---|
| Up to 12 Months | 9.50% | $87.68 |
| 13-24 Months | 9.75% | $81.37 - $46.03 |
| 25-36 Months | 10.00% | $44.48 - $32.27 |
| 37-48 Months | 10.50% | $31.75 - $25.61 |
| 49-60 Months | 11.25% | $25.55 - $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.
Home Equity - Fixed Rate - Up to 80% Loan to Value
| Term | APR (as low as) | Pmt/$1,000 |
|---|---|---|
| Up to 60 Months | 6.00% | $44.32 - $19.34 |
| 61-120 Months | 6.75% | $19.42 - $11.49 |
| 121-180 Months | 7.25% | $11.68 - $9.14 |
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 | 0.150% | 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 | APR (as low as) | Pmt/$1,000 |
|---|---|---|
| up to 24 Months | 5.50% | $44.10 |
| 25-36 Months | 6.00% | $42.65 - $30.42 |
| 37-48 Months | 6.50% | $29.90 - $23.71 |
| 49-60 Months | 7.00% | $23.52 - $19.80 |
| 61-78 Months / $20,000 Min. | 7.50% | $19.77 - $16.24 |
Used Snowmobile, Off-Road RV, Jet Ski (2024-2016)
| Term | APR (as low as) | Pmt/$1,000 |
|---|---|---|
| up to 24 Months | 6.00% | $44.32 |
| 25-36 Months | 6.50% | $42.88 - $30.65 |
| 37-48 Months | 7.00% | $30.13 - $23.95 |
| 49-60 Months | 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.
Personal Loans (Unsecured)
| Loan Type/Term | APR (as low as) | Pmt/$1,000 |
|---|---|---|
| Up to 12 Months | 9.50% | $87.68 |
| 13-24 Months | 9.75% | $81.37 - $46.03 |
| 25-36 Months | 10.00% | $44.48 - $32.27 |
| 37-48 Months | 10.50% | $31.75 - $25.61 |
| 49-60 Months | 11.25% | $25.55 - $21.87 |
| Signature Line of Credit | 10.90% | 3% of Limit |
| FastCash* | 23.00% | $177.96 |
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.
*FastCash Application fee of $20 required, regardless of approval decision. FastCash loan is a fixed rate of 23%APR on loan amounts from $200 to $1,000 with terms not to exceed 6 months. Financing example: The monthly installment repayment for $1,000 financed for 6 months at 23.00% is $177.96. No credit check. MACU membership must be at least 90 days old and have an existing direct deposit with the credit union. Only one FastCash loan per household. Some restrictions may apply.
Primary Mortgage
Conventional Mortgages - 5% Down
| Term | Points | Rate (as low as) | Pmt/$10,000 | APR |
|---|---|---|---|---|
| 15 Year Fixed Rate | 0.000 | 5.500% | $81.71 | 5.674% |
| 15 Year Fixed Rate | 1.000 | 5.125% | $79.73 | 5.414% |
| 20 Year Fixed Rate | 0.000 | 6.125% | $72.37 | 6.314% |
| 20 Year Fixed Rate | 1.000 | 5.750% | $70.21 | 6.054% |
| 30 Year Fixed Rate | 0.000 | 6.250% | $61.57 | 6.600% |
| 30 Year Fixed Rate | 1.000 | 5.990% | $59.89 | 6.389% |
| 5/6 Year ARM | 0.000 | N/A | N/A | N/A |
| 7/6 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 | 7.250% | $92.88 | 7.957% |
| 20 Year | 0.000 | 7.750% | $83.53 | 8.554% |
| 25 Year | 0.000 | 7.750% | $76.85 | 8.520% |
| 30 Year | 0.000 | 7.750% | $72.89 | 8.501% |
| 5/6 Year ARM | 0.000 | N/A | N/A | N/A |
Monthly Payment Installment samples shown under rates are based on every $10,000 borrowed. 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 | APR (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 | APR (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 | APR (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 | 4.000% | 5.000% |
| Loan Consolidation (5 year) | 5.000% | 5.250% |
| Loan Consolidation (10 year) | 5.500% | 6.00% |
| Loan Consolidation (15 year) | 6.000% | 6.500% |
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.