Make purchases more quickly and securely — while possibly earning rewards.
Debit cards make banking easy!
- Make purchases virtually anytime, anywhere
- Protected using Visa Secure
- Joint account holders may each receive a card
- Make withdrawals, transfers, inquiries, and deposits (where allowed) at ATM terminals
- Save on the cost of ordering checks
- Receive receipts for every transaction
Special digital features
- Tap to pay for a more secure, convenient, and touch free experience available for all debit cards newly issued or reissued after 6/2024.
- Mobile Wallet available for Apple Pay, Google Pay, and Samsung Pay
- Access account information through digital banking
- Easily replaced if lost or stolen – lock your card in seconds on our mobile app.
Earn 2% cash back on debit card purchases…
- Earn cash back on your debit card purchases with MyCashback Checking
Need help with your Debit Card? Visit our Contact Us page.
Receive near real-time alerts on your Visa debit card activity through email or text, to monitor your purchase activity and act quickly to reduce fraud — anytime, anywhere. This unique service is available free1 for MembersAlliance Visa debit cardholders.
To enroll in Purchase Alerts for your Visa debit card visit visa.com/PurchaseAlerts and follow the screens/prompts. If you use Purchase Alerts for your MembersAlliance Visa Credit 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 via email. Triggers can include:
- Individual transaction amount thresholds
- International transactions
- Card-absent transactions, such as telephone or online orders
Please note: Point-of-Sale (POS) or Personal Identification Number (PIN) based transactions will NOT generate an alert.
Alerts are emailed to the address 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.
1Message and data rates may apply.
2A qualified transaction is any transaction routed through Visa.
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.