What are the current interest rates at Alive Credit Union?

Current rates for Alive Credit Union include: 12-Month CD: 3.30%, 18-Month CD: 3.40%, 24-Month CD: 3.44%, 60-Month CD: 3.50%, Savings: 0.75%, MMA: 2.15%

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Alive Credit Union

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Alive Credit Union Rates & Review October 2026

Q: How many branches does Alive Credit Union operate?

Alive Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is a member application needed to join Alive Credit Union?

Yes, to access services at Alive Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Q: Is there a first-time homebuyer program?

Currently, Alive Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Alive Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 9, 2026

Alive Credit Union's top rates as of October 9, 2026 are 4.00% APY on its 13 month CD of Deposit, 0.75% APY on savings, 2.15% APY on money market accounts, 0.15% APY on checking, 6.62% on its Jumbo Adjustable Rate (ARM)(As low as Rates) - 10/1 ARM mortgage, and personal loans from 9.25% APR, according to rates verified by MonitorBankRates. Other Alive Credit Union CD rates include CDs of Deposit - Special Offers - 13 month at 4.00%, 9 month CD of Deposit at 3.90%, and CDs of Deposit - Special Offers - 9 month at 3.90%. Other Alive Credit Union mortgage rates include Jumbo 15 year fixed at 6.75%, Jumbo Adjustable Rate (ARM)(As low as Rates) - 10/1 ARM at 6.75%, and Jumbo 15 year fixed at 6.88%. MonitorBankRates evaluates the financial stability of Alive Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.25%. Rates last updated and verified on 10/09/2026.

Alive Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Alive Credit Union? Share your experience about Alive Credit Union by leaving a review below, or read customer reviews before you decide to use Alive Credit Union.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

2.25%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Alive Credit Union
Main Office

9790 Touchton Rd
Jacksonville, FL 32246

https://www.alivecu.coop/

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Alive Credit Union CD Rates

Product	Rate	APY	Term
13 month Certificate of Deposit	3.93%	4.00%	13 months
Min Deposit $500 Details Dividends Paid: Monthly Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 4.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Certificates of Deposit - Special Offers - 13 month	3.93%	4.00%	13 months
Min Deposit $500 Details Dividends Paid: Monthly Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 4.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
9 month Certificate of Deposit	3.83%	3.90%	9 months
Min Deposit $500 Details Dividends Paid: Monthly Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.90% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Certificates of Deposit - Special Offers - 9 month	3.83%	3.90%	9 months
Min Deposit $500 Details Dividends Paid: Monthly Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 3.90% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
24 Month Certificates of Deposit	3.49%	3.55%	24 months
Min Deposit $500 Details Dividends Paid: Monthly Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 3.55% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
30 Month Certificates of Deposit	3.49%	3.55%	30 months
Min Deposit $500 Details Dividends Paid: Monthly Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 3.55% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
36 Month Certificates of Deposit	3.49%	3.55%	36 months
Min Deposit $500 Details Dividends Paid: Monthly Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 3.55% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
18 Month Certificates of Deposit	3.45%	3.50%	18 months
Min Deposit $500 Details Dividends Paid: Monthly Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 3.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
60 Month Certificates of Deposit	3.45%	3.50%	60 months
Min Deposit $500 Details Dividends Paid: Monthly Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 3.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
48 Month Certificates of Deposit	3.40%	3.45%	48 months
Min Deposit $500 Details Dividends Paid: Monthly Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 3.45% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Pulse Certificate - 24 month	3.39%	3.44%	24 months
Min Deposit $100 Details Dividends Paid: Monthly Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.44% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
12 Month Certificates of Deposit	3.35%	3.40%	12 months
Min Deposit $500 Details Dividends Paid: Monthly Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 3.40% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Healthy Kids Club 12 month	3.35%	3.40%	12 months
Min Deposit $500 Details Dividends Paid: Monthly Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.40% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Pulse Certificate - 18 month	3.35%	3.40%	18 months
Min Deposit $100 Details Dividends Paid: Monthly Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.40% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Pulse Certificate - 12 month	3.25%	3.30%	12 months
Min Deposit $100 Details Dividends Paid: Monthly Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.30% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
6 Month Certificates of Deposit	2.42%	2.45%	6 months
Min Deposit $500 Details Dividends Paid: Monthly Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 2.45% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%

Alive Credit Union Savings Rates

Product	Rate	APY
Health Savings Account	0.75%	0.75%
Min Balance $25,001 Details Balance: from $25,001 - $50,000 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Health Savings Account	0.75%	0.75%
Min Balance $50,001 Details Balance: from $50,001 - and up Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Health Savings Account	0.70%	0.70%
Min Balance $10,001 Details Balance: from $10,001 - $25,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.70% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Health Savings Account	0.65%	0.65%
Min Balance $2,501 Details Balance: from $2,501 - $10,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.65% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Health Savings Account	0.60%	0.60%
Min Balance $0 Details Balance: from $0 - $2,500 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.60% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Club Accounts	0.15%	0.15%
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Healthy Kids Club	0.15%	0.15%
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Savings	0.15%	0.15%
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%

Alive Credit Union Money Market Rates

Product	Rate	APY
Money Market Accounts	2.13%	2.15%
Min Balance $200,000 Details Balance: from $200,000 and up Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.15% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Money Market Accounts	2.04%	2.05%
Min Balance $150,000 Details Balance: from $150,000 to $199,999 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Money Market Accounts	1.54%	1.55%
Min Balance $100,000 Details Balance: from $100,000 to $149,999 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.55% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Money Market Accounts	1.29%	1.30%
Min Balance $50,000 Details Balance: from $50,000 to $99,999 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.30% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Money Market Accounts	1.15%	1.15%
Min Balance $25,000 Details Balance: from $25,000 to $49,999 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.15% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Money Market Accounts	1.05%	1.05%
Min Balance $2,500 Details Balance: from $2,500 to $24,999 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Money Market Accounts	0.75%	0.75%
Min Balance $100 Details Balance: from $100 to $2,499.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.75% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%

Alive Credit Union Checking Rates

Product	Rate	APY	View More
Interest Checking	0.15%	0.15%
Min Balance $2,500 Details Balance: $2,500+ Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%

Alive Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
Jumbo 15 year fixed	6.75%	0.500%	6.784%	15 year
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.78% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Jumbo Adjustable Rate (ARM)(As low as Rates) - 10/1 ARM	6.625%	0.500%	6.797%
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.80% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Jumbo Adjustable Rate (ARM)(As low as Rates) - 10/1 ARM	6.75%	0.000%	6.873%
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.87% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Jumbo 15 year fixed	6.875%	0.000%	6.889%	15 year
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.89% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Jumbo 7/6 ARM	7.00%	0.500%	7.021%
No additional details. Last Updated 10/09/2026 Rate History 2 changes since Sep 14, 2026 · 6.75% → 7.02% ▲ 0.27 pts · high 7.02% / low 6.75% Oct 9, 20267.02%▲ from 7.00% Oct 1, 20267.00%▲ from 6.75% Sep 14, 20266.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Jumbo 20 year fixed	7.00%	0.500%	7.027%	20 year
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.03% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
7/6 ARM	7.00%	0.500%	7.048%
Details As low as Rates Last Updated 10/09/2026 Rate History 2 changes since Sep 14, 2026 · 6.75% → 7.05% ▲ 0.30 pts · high 7.05% / low 6.75% Oct 9, 20267.05%▲ from 7.00% Oct 5, 20267.00%▲ from 6.75% Sep 14, 20266.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Jumbo Adjustable Rate (ARM)(As low as Rates) - 7/6 ARM	7.00%	0.500%	7.048%
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.05% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Jumbo 7/6 ARM	7.125%	0.000%	7.075%
No additional details. Last Updated 10/09/2026 Rate History 2 changes since Sep 14, 2026 · 6.75% → 7.08% ▲ 0.33 pts · high 7.08% / low 6.75% Oct 9, 20267.08%▲ from 7.00% Oct 1, 20267.00%▲ from 6.75% Sep 14, 20266.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
7/6 ARM	7.125%	0.000%	7.102%
Details As low as Rates Last Updated 10/09/2026 Rate History 2 changes since Sep 14, 2026 · 6.75% → 7.10% ▲ 0.36 pts · high 7.10% / low 6.75% Oct 9, 20267.10%▲ from 7.00% Oct 5, 20267.00%▲ from 6.75% Sep 14, 20266.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Jumbo Adjustable Rate (ARM)(As low as Rates) - 7/6 ARM	7.125%	0.000%	7.102%
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.10% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Jumbo 20 year fixed	7.125%	0.000%	7.136%	20 year
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.14% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Jumbo 5/5 ARM	6.75%	0.500%	7.214%
No additional details. Last Updated 10/09/2026 Rate History 2 changes since Sep 14, 2026 · 6.50% → 7.21% ▲ 0.72 pts · high 7.21% / low 6.50% Oct 9, 20267.21%▲ from 6.75% Oct 1, 20266.75%▲ from 6.50% Sep 14, 20266.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
5/5 ARM	6.75%	0.500%	7.241%
Details As low as Rates Last Updated 10/09/2026 Rate History 2 changes since Sep 14, 2026 · 6.50% → 7.24% ▲ 0.75 pts · high 7.24% / low 6.50% Oct 9, 20267.24%▲ from 6.75% Oct 5, 20266.75%▲ from 6.50% Sep 14, 20266.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Jumbo Adjustable Rate (ARM)(As low as Rates) - 5/5 ARM	6.75%	0.500%	7.241%
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.24% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Jumbo 5/5 ARM	6.875%	0.000%	7.252%
No additional details. Last Updated 10/09/2026 Rate History 2 changes since Sep 14, 2026 · 6.50% → 7.25% ▲ 0.76 pts · high 7.25% / low 6.50% Oct 9, 20267.25%▲ from 6.75% Oct 1, 20266.75%▲ from 6.50% Sep 14, 20266.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Jumbo 30 year fixed	7.125%	0.500%	7.271%	30 year
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.27% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
5/5 ARM	6.875%	0.000%	7.279%
Details As low as Rates Last Updated 10/09/2026 Rate History 2 changes since Sep 14, 2026 · 6.50% → 7.28% ▲ 0.78 pts · high 7.28% / low 6.50% Oct 9, 20267.28%▲ from 6.75% Oct 5, 20266.75%▲ from 6.50% Sep 14, 20266.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Jumbo Adjustable Rate (ARM)(As low as Rates) - 5/5 ARM	6.875%	0.000%	7.279%
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.28% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Jumbo 10/1 ARM	7.25%	0.500%	7.352%
No additional details. Last Updated 10/09/2026 Rate History 2 changes since Sep 14, 2026 · 7.00% → 7.35% ▲ 0.35 pts · high 7.35% / low 7.00% Oct 9, 20267.35%▲ from 7.25% Oct 1, 20267.25%▲ from 7.00% Sep 14, 20267.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
10/1 ARM	7.125%	0.500%	7.379%
Details As low as Rates Last Updated 10/09/2026 Rate History 2 changes since Sep 14, 2026 · 7.00% → 7.38% ▲ 0.38 pts · high 7.38% / low 7.00% Oct 9, 20267.38%▲ from 7.25% Oct 5, 20267.25%▲ from 7.00% Sep 14, 20267.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Jumbo Adjustable Rate (ARM)(As low as Rates) - 10/1 ARM	7.125%	0.500%	7.379%
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.38% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Jumbo 30 year fixed	7.375%	0.000%	7.384%	30 year
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.38% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Jumbo 10/1 ARM	7.375%	0.000%	7.424%
No additional details. Last Updated 10/09/2026 Rate History 2 changes since Sep 14, 2026 · 7.00% → 7.42% ▲ 0.43 pts · high 7.42% / low 7.00% Oct 9, 20267.42%▲ from 7.25% Oct 1, 20267.25%▲ from 7.00% Sep 14, 20267.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
10/1 ARM	7.375%	0.000%	7.451%
Details As low as Rates Last Updated 10/09/2026 Rate History 2 changes since Sep 14, 2026 · 7.00% → 7.45% ▲ 0.45 pts · high 7.45% / low 7.00% Oct 9, 20267.45%▲ from 7.25% Oct 5, 20267.25%▲ from 7.00% Sep 14, 20267.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Jumbo Adjustable Rate (ARM)(As low as Rates) - 10/1 ARM	7.375%	0.000%	7.451%
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.45% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
VA 30 year IRRRL Loan	7.25%	0.500%	8.025%	30 year
No additional details. Last Updated 10/09/2026 Rate History 2 changes since Sep 14, 2026 · 7.00% → 8.03% ▲ 1.03 pts · high 8.03% / low 7.00% Oct 9, 20268.03%▲ from 7.25% Oct 1, 20267.25%▲ from 7.00% Sep 14, 20267.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
VA 30 year IRRRL Loan	7.375%	0.000%	8.138%	30 year
No additional details. Last Updated 10/09/2026 Rate History 2 changes since Sep 14, 2026 · 7.00% → 8.14% ▲ 1.14 pts · high 8.14% / low 7.00% Oct 9, 20268.14%▲ from 7.25% Oct 1, 20267.25%▲ from 7.00% Sep 14, 20267.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%

Alive Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Variable / Fixed Promotion	-	-	5.00%
Details As low as; $20,000 minimum Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 5.00% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Home Equity Fixed Rate - 7 years	-	-	6.50%	7 years
Details As low as; $20,000 minimum Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.50% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Home Equity HERO Home Loan - 10/1 ARM	6.625%	0.500%	6.797%
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.80% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Home Equity 15 year fixed	6.75%	0.500%	6.827%	15 year
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.83% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Home Equity HERO Home Loan - 10/1 ARM	6.75%	0.000%	6.873%
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.87% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Home Equity 15 year fixed	6.875%	0.000%	6.932%	15 year
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.93% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Home Equity Fixed Rate - Up to 10 years	-	-	7.00%	Up to 10 years
Details As low as; $20,000 minimum Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 7.00% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Home Equity 20 year fixed	7.00%	0.500%	7.063%	20 year
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.06% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Home Equity 20 year fixed	7.125%	0.000%	7.172%	20 year
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.17% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Home Equity 30 year fixed	7.125%	0.500%	7.299%	30 year
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.30% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Home Equity 30 year fixed	7.375%	0.000%	7.411%	30 year
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.41% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Home Equity Fixed Rate - Up to 15 years	-	-	7.50%	Up to 15 years
Details As low as; $20,000 minimum Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 7.50% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Variable Rate HELOC	-	-	7.50%
Details As low as; $20,000 minimum Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 7.25% → 7.50% ▲ 0.25 pts · high 7.50% / low 7.25% Sep 18, 20267.50%▲ from 7.25% Sep 14, 20267.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Fixed Rate HELOC	-	-	8.50%
Details As low as; $20,000 minimum Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 8.25% → 8.50% ▲ 0.25 pts · high 8.50% / low 8.25% Sep 18, 20268.50%▲ from 8.25% Sep 14, 20268.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%

Alive Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loan	-	-	4.54%	0-48 months
Details Additional APR listed for this product: 5.04%, 6.79%. As low as Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.54% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Auto Loan	-	-	4.79%	49-66 months
Details Additional APR listed for this product: 5.29%. As low as Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.79% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Auto Loan	-	-	5.29%	67-78 months
Details Additional APR listed for this product: 5.79%. As low as Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 5.29% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Auto Loan	-	-	5.75%	0 - 48 months
Details As low as Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 5.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Auto Loan	-	-	5.95%	49 - 78 months
Details As low as Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 5.95% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Auto Loan	-	-	5.95%	49 - 66 months
Details As low as Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 5.95% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Auto Loan	-	-	6.04%	79-84 months
Details As low as; New Vehicles Only > $25,000 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.04% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Auto Loan	-	-	6.95%	79 - 120 months
Details As low as Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.95% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Auto Loan	-	-	6.95%	67 - 78 months
Details As low as Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.95% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Auto Loan	-	-	7.29%	49-60 months
Details As low as Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.29% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%

Alive Credit Union Personal Loan Rates

Product	APR	Term	View More
Personal Loan	9.25%
Details As low as Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 9.25% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Personal Line of Credit	11.25%
Details As low as Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 11.25% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%

Alive Credit Union Other Rates

Product	Rate	Points	APY/APR
Credit Builder Loan	-	-	12.00%
Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 12.00% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Easy Cash Plus Loan	-	-	17.50%
Details As low as Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 17.50% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Medical Loan	-	-	7.89%
Details As low as Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 7.89% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Tactical Loan	-	-	5.00%
Details As low as Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 5.00% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Roth/Traditional/Educational IRAs	0.35%	-	0.35%
Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.35% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Alive Credit Union’s Texas Ratio rose from 1.42% in Q3 2023 to 2.25% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$296M	2.25%	5.0	A+
March 31, 2026	$294M	1.92%	5.0	A+
December 31, 2025	$283M	2.58%	5.0	A+
September 30, 2025	$280M	4.19%	5.0	A+
June 30, 2025	$280M	3.61%	5.0	A+
March 31, 2025	$288M	3.67%	5.0	A+
December 31, 2024	$280M	4.00%	5.0	A+
September 30, 2024	$284M	3.72%	5.0	A+
June 30, 2024	$286M	4.14%	5.0	A+
March 31, 2024	$174M	0.59%	5.0	A+
December 31, 2023	$172M	0.21%	5.0	A+
September 30, 2023	$171M	1.42%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Alive Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Alive Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Alive Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Alive Credit Union

Website https://www.alivecu.coop/

Address 9790 Touchton Rd, Jacksonville, FL 32246

Phone 904-296-1292

Fax 904-296-2559

President Charles Ford

CEO Aaron Logue

Full-Time Employees 59

Part-Time Employees 9

Branch Locations 10

ATM Locations 8

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

2.25%

Return on Assets (ROA)

0.5715%

Return on Equity (ROE)

4.8725%

Non-Performing Loans Ratio (NPL)

0.47%

Total Assets

295,503,038

Total Amount of Shares and Deposits

261,380,691

Total Shares and Deposits < 1 Year

247,772,461

Total Shares and Deposits 1 3 Years

11,527,974

Total Shares and Deposits > 3 Years

2,080,256

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

19,100,179

Total Uninsured Shares and Deposits > $250K (F+J)

19,100,179

Total Insured Shares and Deposits > $250K (item 17 less item K)

242,280,512

Total Interest Expense (Sum of items 6 8)

1,475,179

Share Certificates

1,768

Number of Accounts for Share Drafts

10,961

IRA KEOGH Accounts

398

Number of Accounts for Regular Shares

21,781

All other shares

154

Money Market Shares

1,000

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

9,513,327

Total Liabilities

263,860,341

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Alive Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

There are no reviews for Alive Credit Union yet. Feel free to create one below.

Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for Alive Credit Union

Frequently Asked Questions About Alive Credit Union

How many branches does Alive Credit Union operate?

Alive Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Alive Credit Union?

Yes, to access services at Alive Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Alive Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Alive Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Alive Credit Union offer online and mobile banking?

Most modern institutions like Alive Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.alivecu.coop/.

Current Alive Credit Union Rates

12-Month CD3.30%
18-Month CD3.40%
24-Month CD3.44%
60-Month CD3.50%
Savings0.75%
MMA2.15%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Alive Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Alive Credit Union Texas Ratio

Alive Credit Union Health Trend

Alive Credit Union CD Rates

Alive Credit Union Savings Rates

Alive Credit Union Money Market Rates

Alive Credit Union Checking Rates

Alive Credit Union Mortgage Rates

Alive Credit Union Home Equity & HELOC

Alive Credit Union Auto Loan Rates

Alive Credit Union Personal Loan Rates

Alive Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Alive Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Alive Credit Union

How many branches does Alive Credit Union operate?

Is a member application needed to join Alive Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Alive Credit Union offer online and mobile banking?

Current Alive Credit Union Rates

Compare to Other Credit Unions