Boost your purchasing power wherever you go — with a card that’s accepted worldwide.
As low as 8.90% APR
Enjoy competitively low APR rates – as low as 8.90%APR. Members saved an average of $458 annually when using a MembersAlliance credit card compared to other area banks.1
Features
- Tap to pay for a more secure, convenient, and touch free experience
- Make purchases virtually anytime, anywhere
- Access account information through digital banking
- Automatic payments available from your checking or savings account
- Easily replaced if lost or stolen
- Mobile Wallet available for Apple Pay, Google Pay, and Samsung Pay
- Protected using Visa Secure
Fees
- 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)
- 25-day grace period for purchases
- $25 late payment fee
Need help with your Credit Card? Visit our FAQ page.
1 Annual savings taken from 2023 CUNA Economics and Statistics Membership Benefits Report.
The latest MACU specials
Reward yourself with 3X points. You deserve it. - Travel & Charitable Giving
The holiday season is often filled with visiting friends and family from far away and has an increased feeling of generosity in the air. With 3x rewards points for your MembersAlliance VISA Platinum Rewards Credit Card, you can receive points as you give and travel from October 1st to December 31st. Travel includes airfare, hotel, car rental, cruises, and more. Giving includes donations to social service organizations and religious organizations.
Both new and current MembersAlliance credit cards can earn 3x reward points. Points may be redeemed for a lower interest rate on your next MembersAlliance loan, gift cards, travel, and more. If you do not have your Visa Platinum Rewards Credit Card yet and would like to take advantage of this special, and our awesome low rates (as low as 8.90%APR!)… you can apply online today, give us a call, or stop by any of our locations.
New credit card applications subject to credit approval. Maximum of 9,000 points earned on $3,000 qualifying transactions per month of the promotional period running from 10/1/2024 – 12/31/2024. Transactions made after 12/31/2024 will accrue at the same rate as all other purchases = 1 point per $1 purchase. Some restrictions apply.
The holidays inevitably bring extra expenses, and extra stress. Wouldn’t it be nice if someone just gave you a break?
We invite you to Skip-A-Pay for the Holidays on your MembersAlliance VISA Platinum Rewards Credit Card. If you’d like to skip your payments for the November and/or December cycles (due approximately 12/11 and 1/11 respectively), just let us know! We’ll zero out the payment and give you one less thing to worry about this holiday season.
In order to participate, you must notify us prior to Monday, December 9th to skip the December payment and Thursday, January 9th to skip the January payment.
*Credit card accountholders must have an active credit card in good standing. Member must notify MembersAlliance of desire to skip a payment. Cardholders with balances who skip their payment will continue to accrue interest.
Choice Rewards
Earn points for every dollar spent with your credit card. Points can be collected and redeemed 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 point values, or to redeem points for rewards, simply access your account through digital banking.
Visa Benefits
Sofar – Access exclusive ticket presale 7 days before select shows, and 1 free ticket per show for Sofar concerts and events with your Visa Credit Card. View this special Sofar offer and concerts at Sofar Sounds | Visa.
Offer available from 10/17/2023 to 05/16/2027.
Dovly Uplift - Get access to Dovly Uplift free with your card and start fixing, managing, and maintaining your credit online in seconds. Visit dovlyuplift.com to use this credit card benefit.
While Dovly's platform is designed to remove inaccuracies from your credit report, every case is different, and not everyone will achieve the same results.
Card Protection
Zero Liability - With Visa’s Zero Liability Policy, you won’t be held responsible for unauthorized transactions made with your Visa card. You’re covered if your card is ever lost, stolen or fraudulently used.
Visa’s Zero Liability policy does not apply to certain commercial card and anonymous prepaid card transactions or transactions not processed by Visa. Cardholders must use care in protecting their card and notify their issuing financial institution immediately of any unauthorized use. Contact your issuer for more details.
Cardholder support services – Access to 24/7 cardholder information and assistance, or to report if your card is lost or stolen. Call 1-800-847-2911 for U.S. assistance, or if you are traveling internationally, you can call any of the Visa toll free numbers with the corresponding country.
Emergency card replacement & cash disbursement – Have a lost, stolen or damaged card? Need emergency cash? Visa will block your card (if the card number is known) and connect you with your credit union. Following credit union approval, cardholders can get an emergency card replacement within one to three business days*.
*Some restrictions/limitations apply
Additional Protection services
NortonLifeLock – Our Visa credit card includes ID Navigator Powered by NortonLifeLock. This benefit is designed to provide peace of mind by helping you stay informed and knowing what to do when your identity is threatened. NortonLifeLock includes dark web monitoring, stolen wallet assist, and one-bureau credit monitoring alerts. Visit ID Protect – Card Benefit (cardbenefitidprotect.com) to get started.
Extended Warranty Protection - This service doubles the original manufacturer's U.S. written repair warranty, up to one additional year on eligible warranties of three years or less, when the item is purchased entirely on a covered Visa card. Call 1-800-551-8472 for more information on this Visa benefit.
Travel Accident Insurance $250,000 - Travel Accident Insurance provides Visa cardholders and their families with automatic common-carrier accidental death and dismemberment coverage every time they use their Visa card to purchase travel tickets. This coverage provides cardholders with valuable security and peace of mind, as well as an additional reason to use their Visa card for travel-related purchases.
Travel and Emergency Assistance Services - Travel and Emergency Assistance Services is available 24/7 by calling a dedicated toll-free number in the U.S., or through a collect telephone number when traveling abroad. Learn more at Visa's emergency assistance service page.
This program provides assistance only. Cardholders are responsible for the cost of any services received.
Receive near real-time alerts on your Visa credit card activity through text or email, to monitor your purchase activity and act quickly to reduce fraud — anytime, anywhere.
To enroll in Purchase Alerts for your Visa credit card visit visa.com/PurchaseAlerts and follow the screens/prompts. If you use Purchase Alerts for your MembersAlliance Visa Debit Card, you may use one login for both. If not, you will need to create an account and enter an email address and/or cell phone that you would like the Purchase Alerts sent to.
Once enrolled you can establish specific alert triggers. Anytime a qualified2 Visa transaction takes place that meets your defined parameters, you will receive an alert in seconds. Triggers can include:
- Individual transaction amount thresholds
- International transactions
- Card-absent transactions, such as telephone or online orders
Alerts are sent to the phone number and/or email you provide at enrollment. These are only informational alerts. If a transaction appears suspicious or fraudulent, please contact the credit union as soon as possible.
Actual time to receive Alert dependent on service and coverage within area. Gasoline alerts may not include purchase amounts. Additional restrictions may apply.
{{ 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. Understanding 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.
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.