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Alive Credit Union Rates & Review November 2026

Q: What are the current interest rates at Alive Credit Union?

Current rates for Alive Credit Union include: 12-Month CD: 3.90%, 18-Month CD: 4.00%, 24-Month CD: 4.05%, 60-Month CD: 4.25%, Savings: 0.75%, MMA: 2.30%

Q: What CD terms does Alive Credit Union offer?

Alive Credit Union CD rates are 3.90% APY for a 12 month CD, 4.00% APY for an 18 month CD, 4.15% APY for a 2 year CD, 4.15% APY for a 30 month CD, 4.25% APY for a 3 year CD, 4.15% APY for a 4 year CD and 4.25% APY for a 5 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with Alive Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 30, 2026

Alive Credit Union's 36 Month CD of Deposit rates are at 4.25%, 60 Month CD of Deposit rates are at 4.25%, 24 Month Pulse CD rates are at 4.15%, 30 Month CD of Deposit rates are at 4.15%, 48 Month CD of Deposit rates are at 4.15%. Alive Credit Union's savings rates are at 0.75%. Alive Credit Union's money market rates are at 2.30%. Alive Credit Union's checking rates are as high as 0.15%. Alive Credit Union's HERO Home Loan - 10/1 ARM rates are at 6.25%, Adjustable Rate Mortgage (ARM) 5/5 ARM rates are at 6.50%, Conventional Fixed - 15 year fixed rates are at 6.50%, Jumbo 15 year fixed rates are at 6.50%, Jumbo 5/5 ARM rates are at 6.50%. Alive Credit Union's Personal Loan Rates are as low as 9.25%. Alive Credit Union's CD rates are 43% higher than the MonitorBankRates national average, and it has an A+ health rating. 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 10/30/2026.

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 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
36 Month Certificate of Deposit	4.17%	4.25%	36 months
Min Deposit $500 Details Dividends Paid: Monthly Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.55% → 4.25% ▲ 0.70 pts · high 4.25% / low 3.55% Oct 30, 20264.25%▲ from 3.55% Sep 14, 20263.55%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
60 Month Certificate of Deposit	4.17%	4.25%	60 months
Min Deposit $500 Details Dividends Paid: Monthly Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.50% → 4.25% ▲ 0.75 pts · high 4.25% / low 3.50% Oct 30, 20264.25%▲ from 3.50% Sep 14, 20263.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
24 Month Pulse Certificate	4.07%	4.15%	24 months
Min Deposit $100 Details Dividends Paid: Monthly Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.44% → 4.15% ▲ 0.71 pts · high 4.15% / low 3.44% Oct 30, 20264.15%▲ from 3.44% Sep 14, 20263.44%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
30 Month Certificate of Deposit	4.07%	4.15%	30 months
Min Deposit $500 Details Dividends Paid: Monthly Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.55% → 4.15% ▲ 0.60 pts · high 4.15% / low 3.55% Oct 30, 20264.15%▲ from 3.55% Sep 14, 20263.55%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
48 Month Certificate of Deposit	4.07%	4.15%	48 months
Min Deposit $500 Details Dividends Paid: Monthly Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.45% → 4.15% ▲ 0.70 pts · high 4.15% / low 3.45% Oct 30, 20264.15%▲ from 3.45% Sep 14, 20263.45%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
13 Month Certificate of Deposit	4.02%	4.10%	13 months
Min Deposit $500 Details Dividends Paid: Monthly Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 4.00% → 4.10% ▲ 0.10 pts · high 4.10% / low 4.00% Oct 30, 20264.10%▲ from 4.00% Sep 14, 20264.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
18 Month Pulse Certificate	4.02%	4.10%	18 months
Min Deposit $100 Details Dividends Paid: Monthly Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.40% → 4.10% ▲ 0.70 pts · high 4.10% / low 3.40% Oct 30, 20264.10%▲ from 3.40% Sep 14, 20263.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
21 Month Certificate of Deposit	4.02%	4.10%	21 months
Min Deposit $500 Details Dividends Paid: Monthly Last Updated 10/30/2026 Rate History No change since Oct 30, 2026 · 4.10% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
24 Month Certificate of Deposit	3.98%	4.05%	24 months
Min Deposit $500 Details Dividends Paid: Monthly Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.55% → 4.05% ▲ 0.50 pts · high 4.05% / low 3.55% Oct 30, 20264.05%▲ from 3.55% Sep 14, 20263.55%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
9 Month Certificate of Deposit	3.98%	4.05%	9 months
Min Deposit $500 Details Dividends Paid: Monthly Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.90% → 4.05% ▲ 0.15 pts · high 4.05% / low 3.90% Oct 30, 20264.05%▲ from 3.90% Sep 14, 20263.90%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
12 Month Pulse Certificate	3.93%	4.00%	12 months
Min Deposit $100 Details Dividends Paid: Monthly Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.30% → 4.00% ▲ 0.70 pts · high 4.00% / low 3.30% Oct 30, 20264.00%▲ from 3.30% Sep 14, 20263.30%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
18 Month Certificate of Deposit	3.93%	4.00%	18 months
Min Deposit $500 Details Dividends Paid: Monthly Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50% Oct 30, 20264.00%▲ from 3.50% Sep 14, 20263.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
12 Month Certificate of Deposit	3.83%	3.90%	12 months
Min Deposit $500 Details Dividends Paid: Monthly Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.40% → 3.90% ▲ 0.50 pts · high 3.90% / low 3.40% Oct 30, 20263.90%▲ from 3.40% Sep 14, 20263.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
12 Month Certificates of Deposit - Healthy Kids Club	3.83%	3.90%	12 months
Min Deposit $500 Details Dividends Paid: Monthly; Penalty for early withdrawal Last Updated 10/30/2026 Rate History 1 change since Oct 19, 2026 · 3.40% → 3.90% ▲ 0.50 pts · high 3.90% / low 3.40% Oct 30, 20263.90%▲ from 3.40% Oct 19, 20263.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
6 Month Certificate of Deposit	3.74%	3.80%	6 months
Min Deposit $500 Details Dividends Paid: Monthly Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 2.45% → 3.80% ▲ 1.35 pts · high 3.80% / low 2.45% Oct 30, 20263.80%▲ from 2.45% Sep 14, 20262.45%first recorded 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 10/30/2026 Rate History No change since Sep 18, 2026 · 0.75% APY · checked 11 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 10/30/2026 Rate History No change since Sep 18, 2026 · 0.75% APY · checked 11 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 10/30/2026 Rate History No change since Sep 14, 2026 · 0.70% APY · checked 12 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 10/30/2026 Rate History No change since Sep 14, 2026 · 0.65% APY · checked 12 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 10/30/2026 Rate History No change since Sep 14, 2026 · 0.60% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Club Accounts	0.15%	0.15%
Details Balance: All Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Healthy Kids Club	0.15%	0.15%
Details Balance: All Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Savings	0.15%	0.15%
Details Balance: All Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 12 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	2.28%	2.30%
Min Balance $200,000 Details Balance: from $200,000 and up Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 2.15% → 2.30% ▲ 0.15 pts · high 2.30% / low 2.15% Oct 30, 20262.30%▲ from 2.15% Sep 14, 20262.15%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Money Market Accounts	2.18%	2.20%
Min Balance $150,000 Details Balance: from $150,000 to $199,999 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 2.05% → 2.20% ▲ 0.15 pts · high 2.20% / low 2.05% Oct 30, 20262.20%▲ from 2.05% Sep 14, 20262.05%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Money Market Accounts	1.69%	1.70%
Min Balance $100,000 Details Balance: from $100,000 to $149,999 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 1.55% → 1.70% ▲ 0.15 pts · high 1.70% / low 1.55% Oct 30, 20261.70%▲ from 1.55% Sep 14, 20261.55%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Money Market Accounts	1.44%	1.45%
Min Balance $50,000 Details Balance: from $50,000 to $99,999 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 1.30% → 1.45% ▲ 0.15 pts · high 1.45% / low 1.30% Oct 30, 20261.45%▲ from 1.30% Sep 14, 20261.30%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Money Market Accounts	1.29%	1.30%
Min Balance $25,000 Details Balance: from $25,000 to $49,999 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 1.15% → 1.30% ▲ 0.15 pts · high 1.30% / low 1.15% Oct 30, 20261.30%▲ from 1.15% Sep 14, 20261.15%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Money Market Accounts	1.19%	1.20%
Min Balance $2,500 Details Balance: from $2,500 to $24,999 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 1.05% → 1.20% ▲ 0.15 pts · high 1.20% / low 1.05% Oct 30, 20261.20%▲ from 1.05% Sep 14, 20261.05%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Money Market Accounts	0.90%	0.90%
Min Balance $100 Details Balance: from $100 to $2,499.99 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 0.75% → 0.90% ▲ 0.15 pts · high 0.90% / low 0.75% Oct 30, 20260.90%▲ from 0.75% Sep 14, 20260.75%first recorded 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+; Must maintain a minimum daily balance of $2,500 to earn dividends Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%

Alive Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
HERO Home Loan - 10/1 ARM	6.25%	0.250	6.394%
Details Stated APR includes a .50% Full Direct Deposit discount Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 6.39% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
HERO Home Loan - 10/1 ARM	6.50%	0.000	6.621%
Details Stated APR includes a .50% Full Direct Deposit discount Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 6.62% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Adjustable Rate Mortgage (ARM) 5/5 ARM	6.50%	0.250%	6.646%
Details As Low As; Adjustable Rate Mortgage (ARM) (As low as Rates) Last Updated 10/30/2026 Rate History 3 changes since Sep 18, 2026 · 6.50% → 6.65% ▲ 0.15 pts · high 7.24% / low 6.50% Oct 19, 20266.65%▼ from 7.24% Oct 13, 20267.24%▲ from 6.75% Oct 1, 20266.75%▲ from 6.50% Sep 18, 20266.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Conventional Fixed - 15 year fixed	6.50%	0.250%	6.646%	15 years
Details As Low As; Conventional fixed mortgage Last Updated 10/30/2026 Rate History 2 changes since Sep 14, 2026 · 6.57% → 6.65% ▲ 0.07 pts · high 6.78% / low 6.57% Oct 19, 20266.65%▼ from 6.78% Oct 5, 20266.78%▲ from 6.57% Sep 14, 20266.57%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Jumbo 15 year fixed	6.50%	0.250	6.646%	15 years
Details As Low As; Jumbo Fixed Rate (As low as Rates) Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 6.65% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Jumbo 5/5 ARM	6.50%	0.250%	6.646%
Details As Low As; Jumbo Adjustable Rate (ARM); Stated APR includes a .50% Full Direct Deposit discount Last Updated 10/30/2026 Rate History 3 changes since Sep 14, 2026 · 6.50% → 6.65% ▲ 0.15 pts · high 7.21% / low 6.50% Oct 19, 20266.65%▼ from 7.21% 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%
Jumbo Adjustable Rate (ARM) - Jumbo 5/5 ARM	6.50%	0.250	6.646%
Details As Low As; Jumbo Adjustable Rate (ARM) (As low as Rates) Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 6.65% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Adjustable Rate Mortgage (ARM) 5/5 ARM	6.625%	0.000%	6.747%
Details As Low As; Adjustable Rate Mortgage (ARM) (As low as Rates) Last Updated 10/30/2026 Rate History 3 changes since Sep 18, 2026 · 6.50% → 6.75% ▲ 0.25 pts · high 7.24% / low 6.50% Oct 19, 20266.75%▼ from 7.24% Oct 13, 20267.24%▲ from 6.75% Oct 1, 20266.75%▲ from 6.50% Sep 18, 20266.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Conventional Fixed - 15 year fixed	6.625%	0.000%	6.747%	15 years
Details As Low As; Conventional fixed mortgage Last Updated 10/30/2026 Rate History 2 changes since Sep 14, 2026 · 6.57% → 6.75% ▲ 0.17 pts · high 6.78% / low 6.57% Oct 19, 20266.75%▼ from 6.78% Oct 5, 20266.78%▲ from 6.57% Sep 14, 20266.57%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Jumbo 15 year fixed	6.625%	0.000	6.747%	15 years
Details As Low As; Jumbo Fixed Rate (As low as Rates) Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 6.75% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Jumbo 5/5 ARM	6.625%	0.000%	6.747%
Details As Low As; Jumbo Adjustable Rate (ARM); Stated APR includes a .50% Full Direct Deposit discount Last Updated 10/30/2026 Rate History 3 changes since Sep 14, 2026 · 6.50% → 6.75% ▲ 0.25 pts · high 7.21% / low 6.50% Oct 19, 20266.75%▼ from 7.21% 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%
Jumbo Adjustable Rate (ARM) - Jumbo 5/5 ARM	6.625%	0.000	6.747%
Details As Low As; Jumbo Adjustable Rate (ARM) (As low as Rates) Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 6.75% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Adjustable Rate Mortgage (ARM) 7/6 ARM	6.75%	0.250%	6.898%
Details As Low As; Adjustable Rate Mortgage (ARM) (As low as Rates) Last Updated 10/30/2026 Rate History 3 changes since Sep 18, 2026 · 6.75% → 6.90% ▲ 0.15 pts · high 7.05% / low 6.75% Oct 19, 20266.90%▼ from 7.05% Oct 13, 20267.05%▲ from 7.00% Oct 1, 20267.00%▲ from 6.75% Sep 18, 20266.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Conventional Fixed - 20 year fixed	6.75%	0.250%	6.898%	20 years
Details As Low As; Conventional fixed mortgage Last Updated 10/30/2026 Rate History 2 changes since Sep 14, 2026 · 6.79% → 6.90% ▲ 0.11 pts · high 6.98% / low 6.79% Oct 19, 20266.90%▼ from 6.98% Oct 5, 20266.98%▲ from 6.79% Sep 14, 20266.79%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Jumbo 20 year fixed	6.75%	0.250	6.898%	20 years
Details As Low As; Jumbo Fixed Rate (As low as Rates) Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 6.90% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Jumbo 7/6 ARM	6.75%	0.250%	6.898%
Details As Low As; Jumbo Adjustable Rate (ARM); Stated APR includes a .50% Full Direct Deposit discount Last Updated 10/30/2026 Rate History 3 changes since Sep 14, 2026 · 6.75% → 6.90% ▲ 0.15 pts · high 7.02% / low 6.75% Oct 19, 20266.90%▼ from 7.02% 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 Adjustable Rate (ARM) - Jumbo 7/6 ARM	6.75%	0.250	6.898%
Details As Low As; Jumbo Adjustable Rate (ARM) (As low as Rates) Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 6.90% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Adjustable Rate Mortgage (ARM) 7/6 ARM	6.875%	0.000%	6.999%
Details As Low As; Adjustable Rate Mortgage (ARM) (As low as Rates) Last Updated 10/30/2026 Rate History 3 changes since Sep 18, 2026 · 6.75% → 7.00% ▲ 0.25 pts · high 7.05% / low 6.75% Oct 19, 20267.00%▼ from 7.05% Oct 13, 20267.05%▲ from 7.00% Oct 1, 20267.00%▲ from 6.75% Sep 18, 20266.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Conventional Fixed - 20 year fixed	6.875%	0.000%	6.999%	20 years
Details As Low As; Conventional fixed mortgage Last Updated 10/30/2026 Rate History 2 changes since Sep 14, 2026 · 6.79% → 7.00% ▲ 0.21 pts · high 7.00% / low 6.79% Oct 19, 20267.00%▲ from 6.98% Oct 5, 20266.98%▲ from 6.79% Sep 14, 20266.79%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Jumbo 20 year fixed	6.875%	0.000	6.999%	20 years
Details As Low As; Jumbo Fixed Rate (As low as Rates) Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 7.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Jumbo 7/6 ARM	6.875%	0.000%	6.999%
Details As Low As; Jumbo Adjustable Rate (ARM); Stated APR includes a .50% Full Direct Deposit discount Last Updated 10/30/2026 Rate History 3 changes since Sep 14, 2026 · 6.75% → 7.00% ▲ 0.25 pts · high 7.02% / low 6.75% Oct 19, 20267.00%▼ from 7.02% 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 Adjustable Rate (ARM) - Jumbo 7/6 ARM	6.875%	0.000	6.999%
Details As Low As; Jumbo Adjustable Rate (ARM) (As low as Rates) Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 7.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Adjustable Rate Mortgage (ARM) 10/1 ARM	7.00%	0.250%	7.15%
Details As Low As; Adjustable Rate Mortgage (ARM) (As low as Rates) Last Updated 10/30/2026 Rate History 3 changes since Sep 18, 2026 · 7.00% → 7.15% ▲ 0.15 pts · high 7.38% / low 7.00% Oct 19, 20267.15%▼ from 7.38% Oct 13, 20267.38%▲ from 7.25% Oct 1, 20267.25%▲ from 7.00% Sep 18, 20267.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Conventional Fixed - 30 year fixed	7.00%	0.250%	7.15%	30 years
Details As Low As; Conventional fixed mortgage Last Updated 10/30/2026 Rate History 2 changes since Sep 14, 2026 · 7.00% → 7.15% ▲ 0.15 pts · high 7.18% / low 7.00% Oct 19, 20267.15%▼ from 7.18% Oct 5, 20267.18%▲ from 7.00% Sep 14, 20267.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Jumbo 10/1 ARM	7.00%	0.250%	7.15%
Details As Low As; Jumbo Adjustable Rate (ARM); Stated APR includes a .50% Full Direct Deposit discount Last Updated 10/30/2026 Rate History 3 changes since Sep 14, 2026 · 7.00% → 7.15% ▲ 0.15 pts · high 7.35% / low 7.00% Oct 19, 20267.15%▼ from 7.35% 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%
Jumbo 30 year fixed	7.00%	0.250	7.15%	30 years
Details As Low As; Jumbo Fixed Rate (As low as Rates) Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 7.15% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Jumbo Adjustable Rate (ARM) - Jumbo 10/1 ARM	7.00%	0.250	7.15%
Details As Low As; Jumbo Adjustable Rate (ARM) (As low as Rates) Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 7.15% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Adjustable Rate Mortgage (ARM) 10/1 ARM	7.125%	0.000%	7.251%
Details As Low As; Adjustable Rate Mortgage (ARM) (As low as Rates) Last Updated 10/30/2026 Rate History 3 changes since Sep 18, 2026 · 7.00% → 7.25% ▲ 0.25 pts · high 7.38% / low 7.00% Oct 19, 20267.25%▼ from 7.38% Oct 13, 20267.38%▲ from 7.25% Oct 1, 20267.25%▲ from 7.00% Sep 18, 20267.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Conventional Fixed - 30 year fixed	7.125%	0.000%	7.251%	30 years
Details As Low As; Conventional fixed mortgage Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 7.00% → 7.25% ▲ 0.25 pts · high 7.25% / low 7.00% 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 10/1 ARM	7.125%	0.000%	7.251%
Details As Low As; Jumbo Adjustable Rate (ARM); Stated APR includes a .50% Full Direct Deposit discount Last Updated 10/30/2026 Rate History 3 changes since Sep 14, 2026 · 7.00% → 7.25% ▲ 0.25 pts · high 7.35% / low 7.00% Oct 19, 20267.25%▼ from 7.35% 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%
Jumbo 30 year fixed	7.125%	0.000	7.251%	30 years
Details As Low As; Jumbo Fixed Rate (As low as Rates) Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 7.25% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Jumbo Adjustable Rate (ARM) - Jumbo 10/1 ARM	7.125%	0.000	7.251%
Details As Low As; Jumbo Adjustable Rate (ARM) (As low as Rates) Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 7.25% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
VA 30 year IRRRL Loan	7.00%	0.250%	7.279%
Details As Low As; Government Fixed Rate (As low as Rates) Last Updated 10/30/2026 Rate History 1 change since Oct 13, 2026 · 8.03% → 7.28% ▼ 0.75 pts · high 8.03% / low 7.28% Oct 19, 20267.28%▼ from 8.03% Oct 13, 20268.03%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
VA 30 year IRRRL Loan	7.125%	0.000%	7.38%
Details As Low As; Government Fixed Rate (As low as Rates) Last Updated 10/30/2026 Rate History 1 change since Oct 13, 2026 · 8.03% → 7.38% ▼ 0.65 pts · high 8.03% / low 7.38% Oct 19, 20267.38%▼ from 8.03% Oct 13, 20268.03%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 Loans - Variable / Fixed Promotion	-	-	5.00%
Details As Low As; $20,000 minimum Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 5.00% APR · checked 13 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Home Equity Loans - Fixed Rate - 7 years	-	-	6.50%	7 years
Details As Low As; $20,000 minimum Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 6.50% APR · checked 13 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Home Equity Loans - Fixed Rate - Up to 10 years	-	-	7.00%	Up to 10 years
Details As Low As; $20,000 minimum Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 7.00% APR · checked 13 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Home Equity Loans - Fixed Rate - Up to 15 years	-	-	7.50%	Up to 15 years
Details As Low As; $20,000 minimum Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 7.50% APR · checked 13 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Home Equity Loans - Variable Rate HELOC	-	-	7.50%
Details As Low As; $20,000 minimum Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 7.50% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Home Equity Loans - Fixed Rate HELOC	-	-	8.50%
Details As Low As; $20,000 minimum Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 8.50% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%

Alive Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Auto/Van/Truck Loans	-	-	4.54%	0-48 months
Details As Low As; Stated APR includes a .50% Full Direct Deposit discount; Your actual rate may vary and is based on creditworthiness Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 4.54% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
New Auto/Van/Truck Loans	-	-	4.79%	49-66 months
Details As Low As; Stated APR includes a .50% Full Direct Deposit discount; Your actual rate may vary and is based on creditworthiness Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 4.79% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Used Auto/Van/Truck Loans	-	-	5.04%	0-48 months
Details As Low As; Stated APR includes a .50% Full Direct Deposit discount Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 5.04% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
New Auto/Van/Truck Loans	-	-	5.29%	67-78 months
Details As Low As; Stated APR includes a .50% Full Direct Deposit discount; Your actual rate may vary and is based on creditworthiness Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 5.29% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Used Auto/Van/Truck Loans	-	-	5.29%	49-66 months
Details As Low As; Stated APR includes a .50% Full Direct Deposit discount Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 5.29% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Used Auto/Van/Truck Loans	-	-	5.79%	67-78 months
Details As Low As; Stated APR includes a .50% Full Direct Deposit discount Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 5.79% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
New Auto/Van/Truck Loans	-	-	6.04%	79-84 months
Details As Low As; New Vehicles Only > $25,000; Stated APR includes a .50% Full Direct Deposit discount; Your actual rate may vary and is based on creditworthiness Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 6.04% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%

Alive Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
New and Used Boat/Motor/Trailer & Campers/RV's - 0 - 48 months Loan	-	5.75%	0-48 months
Details As Low As; Stated APR includes a .50% Full Direct Deposit discount Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 5.75% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
New and Used Boat/Motor/Trailer & Campers/RV's Loan	-	5.75%	0 - 48 months
Details As Low As; Stated APR includes a .50% Full Direct Deposit discount Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 5.75% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
New and Used Motorcycles Loan	-	5.75%	0-48 months
Details As Low As; Stated APR includes a .50% Full Direct Deposit discount Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 6.79% → 5.75% ▼ 1.04 pts · high 6.79% / low 5.75% Oct 19, 20265.75%▼ from 6.79% Sep 14, 20266.79%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
New and Used Motorcycles Loan	-	5.75%	0 - 48 months
Details As Low As; Stated APR includes a .50% Full Direct Deposit discount. Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 5.75% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
New and Used Boat/Motor/Trailer & Campers/RV's - 49 - 78 months Loan	-	5.95%	49-78 months
Details As Low As; Stated APR includes a .50% Full Direct Deposit discount Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 5.95% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
New and Used Boat/Motor/Trailer & Campers/RV's Loan	-	5.95%	49 - 78 months
Details As Low As; Stated APR includes a .50% Full Direct Deposit discount Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 5.95% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
New and Used Motorcycles Loan	-	5.95%	49-66 months
Details As Low As; Stated APR includes a .50% Full Direct Deposit discount Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 5.95% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
New and Used Motorcycles Loan	-	5.95%	49 - 66 months
Details As Low As; Stated APR includes a .50% Full Direct Deposit discount. Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 5.95% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
New and Used Boat/Motor/Trailer & Campers/RV's - 79 - 120 months Loan	-	6.95%	79-120 months
Details As Low As; Stated APR includes a .50% Full Direct Deposit discount Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 6.95% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
New and Used Boat/Motor/Trailer & Campers/RV's Loan	-	6.95%	79 - 120 months
Details As Low As; Stated APR includes a .50% Full Direct Deposit discount Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 6.95% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
New and Used Motorcycles Loan	-	6.95%	67-78 months
Details As Low As; Stated APR includes a .50% Full Direct Deposit discount Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 6.95% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
New and Used Motorcycles Loan	-	6.95%	67 - 78 months
Details As Low As; Stated APR includes a .50% Full Direct Deposit discount. Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 6.95% APR · checked 11 times 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; Stated APR includes a .50% Full Direct Deposit discount. Actual rate may vary based on creditworthiness. Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 9.25% APR · checked 12 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 10/30/2026 Rate History No change since Sep 14, 2026 · 11.25% APR · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%

Alive Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Credit Builder Loan	-	-	12.00%
Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 12.00% APR · checked 12 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 10/30/2026 Rate History No change since Sep 14, 2026 · 17.50% APR · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Medical Loan	-	-	7.89%
Details As Low As; Stated APR includes a Full Direct Deposit discount. Actual rate may vary based on creditworthiness. Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 7.89% APR · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Off Road and Other - 0-48 months Loan	-	-	6.79%	0-48 months
Details As Low As; Recreational vehicle loan; Stated APR includes a .50% Full Direct Deposit discount Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 6.79% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Off Road and Other - 49-60 months Loan	-	-	7.29%	49-60 months
Details As Low As; Recreational vehicle loan; Stated APR includes a .50% Full Direct Deposit discount Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 7.29% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Off Road and Other Loan	-	-	6.79%	0-48 months
Details As Low As; Stated APR includes a .50% Full Direct Deposit discount Last Updated 10/30/2026 Rate History No change since Oct 13, 2026 · 6.79% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Off Road and Other Loan	-	-	7.29%	49-60 months
Details As Low As; Stated APR includes a .50% Full Direct Deposit discount Last Updated 10/30/2026 Rate History No change since Oct 13, 2026 · 7.29% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Tactical Loan	-	-	5.00%
Details As Low As Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 5.00% APR · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Certificates of Deposit - 12 months	3.83%	-	3.90%	12 months
Min Deposit $500 Details Dividends Paid: Monthly; Penalty for early withdrawal Last Updated 10/30/2026 Rate History 1 change since Oct 19, 2026 · 3.40% → 3.90% ▲ 0.50 pts · high 3.90% / low 3.40% Oct 30, 20263.90%▲ from 3.40% Oct 19, 20263.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Certificates of Deposit - 13 months	4.02%	-	4.10%	13 months
Min Deposit $500 Details Dividends Paid: Monthly; Penalty for early withdrawal Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 4.00% → 4.10% ▲ 0.10 pts · high 4.10% / low 4.00% Oct 30, 20264.10%▲ from 4.00% Sep 14, 20264.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Certificates of Deposit - 18 months	3.93%	-	4.00%	18 months
Min Deposit $500 Details Dividends Paid: Monthly; Penalty for early withdrawal Last Updated 10/30/2026 Rate History 1 change since Oct 19, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50% Oct 30, 20264.00%▲ from 3.50% Oct 19, 20263.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Certificates of Deposit - 21 months	4.02%	-	4.10%	21 months
Min Deposit $500 Details Dividends Paid: Monthly; Penalty for early withdrawal Last Updated 10/30/2026 Rate History No change since Oct 30, 2026 · 4.10% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Certificates of Deposit - 24 months	3.98%	-	4.05%	24 months
Min Deposit $500 Details Dividends Paid: Monthly; Penalty for early withdrawal Last Updated 10/30/2026 Rate History 1 change since Oct 19, 2026 · 3.55% → 4.05% ▲ 0.50 pts · high 4.05% / low 3.55% Oct 30, 20264.05%▲ from 3.55% Oct 19, 20263.55%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Certificates of Deposit - 30 months	4.07%	-	4.15%	30 months
Min Deposit $500 Details Dividends Paid: Monthly; Penalty for early withdrawal Last Updated 10/30/2026 Rate History 1 change since Oct 19, 2026 · 3.55% → 4.15% ▲ 0.60 pts · high 4.15% / low 3.55% Oct 30, 20264.15%▲ from 3.55% Oct 19, 20263.55%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Certificates of Deposit - 36 months	4.17%	-	4.25%	36 months
Min Deposit $500 Details Dividends Paid: Monthly; Penalty for early withdrawal Last Updated 10/30/2026 Rate History 1 change since Oct 19, 2026 · 3.55% → 4.25% ▲ 0.70 pts · high 4.25% / low 3.55% Oct 30, 20264.25%▲ from 3.55% Oct 19, 20263.55%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Certificates of Deposit - 48 months	4.07%	-	4.15%	48 months
Min Deposit $500 Details Dividends Paid: Monthly; Penalty for early withdrawal Last Updated 10/30/2026 Rate History 1 change since Oct 19, 2026 · 3.45% → 4.15% ▲ 0.70 pts · high 4.15% / low 3.45% Oct 30, 20264.15%▲ from 3.45% Oct 19, 20263.45%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Certificates of Deposit - 6 months	3.74%	-	3.80%	6 months
Min Deposit $500 Details Dividends Paid: Monthly; Penalty for early withdrawal Last Updated 10/30/2026 Rate History 1 change since Oct 19, 2026 · 2.45% → 3.80% ▲ 1.35 pts · high 3.80% / low 2.45% Oct 30, 20263.80%▲ from 2.45% Oct 19, 20262.45%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Certificates of Deposit - 60 months	4.17%	-	4.25%	60 months
Min Deposit $500 Details Dividends Paid: Monthly; Penalty for early withdrawal Last Updated 10/30/2026 Rate History 1 change since Oct 19, 2026 · 3.50% → 4.25% ▲ 0.75 pts · high 4.25% / low 3.50% Oct 30, 20264.25%▲ from 3.50% Oct 19, 20263.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Certificates of Deposit - 9 months	3.98%	-	4.05%	9 months
Min Deposit $500 Details Dividends Paid: Monthly; Penalty for early withdrawal Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.90% → 4.05% ▲ 0.15 pts · high 4.05% / low 3.90% Oct 30, 20264.05%▲ from 3.90% Sep 14, 20263.90%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Roth/Traditional/Educational IRAs	0.35%	-	0.35%
Details Balance: All Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.35% APY · checked 12 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

2026 MBR Health & Safety Badge

Alive Credit Union earned the Verified Healthy badge

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

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Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Alive Credit Union

Does Alive Credit Union offer CDs?

Yes. Alive Credit Union current CD rates include its 36 Month CD of Deposit at 4.25% APY, its 60 Month CD of Deposit at 4.25% APY and its 24 Month Pulse CD at 4.15% APY, verified by MonitorBankRates as of October 30, 2026.

Are CDs from Alive Credit Union NCUA insured?

Yes. Alive Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at Alive Credit Union?

The highest Alive Credit Union CD rate is its 36 Month CD of Deposit at 4.25% APY, verified by MonitorBankRates as of October 30, 2026.

What CD terms does Alive Credit Union offer?

Alive Credit Union CD rates are 3.90% APY for a 12 month CD, 4.00% APY for an 18 month CD, 4.15% APY for a 2 year CD, 4.15% APY for a 30 month CD, 4.25% APY for a 3 year CD, 4.15% APY for a 4 year CD and 4.25% APY for a 5 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with Alive Credit Union for its full lineup.

What is the highest savings rate at Alive Credit Union?

The highest Alive Credit Union savings rate is its Health Savings Account at 0.75% APY, verified by MonitorBankRates as of October 30, 2026.

What is the highest money market rate at Alive Credit Union?

The highest Alive Credit Union money market rate is its Money Market Accounts at 2.30% APY, verified by MonitorBankRates as of October 30, 2026.

What is the highest checking rate at Alive Credit Union?

The highest Alive Credit Union checking rate is its Interest Checking at 0.15% APY, verified by MonitorBankRates as of October 30, 2026.

What is the lowest 30 year fixed mortgage rate at Alive Credit Union?

The lowest Alive Credit Union 30 year fixed mortgage rate is its Conventional Fixed - 30 year fixed at 7.00%, verified by MonitorBankRates as of October 30, 2026. Alive Credit Union mortgage rates are 7.00% for a 30 year mortgage, 6.75% for a 20 year mortgage, 6.50% for a 15 year mortgage, 6.50% for a 5/5 ARM, 6.75% for a 7/6 ARM and 6.25% for a 10/1 ARM.

What is the lowest auto loan rate at Alive Credit Union?

The lowest Alive Credit Union auto loan rate is its New Auto/Van/Truck Loans at 4.54% APR, verified by MonitorBankRates as of October 30, 2026.

What is the lowest personal loan rate at Alive Credit Union?

The lowest Alive Credit Union personal loan rate is its Personal Loan at 9.25% APR, verified by MonitorBankRates as of October 30, 2026.

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/.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do Alive Credit Union rates compare?

Alive Credit Union's CD rates are 43% higher than the MonitorBankRates national average, and it has an A+ health rating. Alive Credit Union's top rates are its 36 Month CD of Deposit at 4.25% APY, its Health Savings Account at 0.75% APY, its Money Market Accounts at 2.30% APY, its Interest Checking at 0.15% APY, its HERO Home Loan - 10/1 ARM at 6.25% and its Personal Loan at 9.25% APR, verified by MonitorBankRates on October 30, 2026.

Current Alive Credit Union Rates

12-Month CD3.90%
18-Month CD4.00%
24-Month CD4.05%
60-Month CD4.25%
Savings0.75%
MMA2.30%

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

Compare to Other Credit Unions

Alive Credit Union Rates & Review November 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 RV, Boat and Powersport 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

Does Alive Credit Union offer CDs?

Are CDs from Alive Credit Union NCUA insured?

What is the highest CD rate at Alive Credit Union?

What CD terms does Alive Credit Union offer?

What is the highest savings rate at Alive Credit Union?

What is the highest money market rate at Alive Credit Union?

What is the highest checking rate at Alive Credit Union?

What is the lowest 30 year fixed mortgage rate at Alive Credit Union?

What is the lowest auto loan rate at Alive Credit Union?

What is the lowest personal loan rate at 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?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do Alive Credit Union rates compare?

Current Alive Credit Union Rates

Compare to Other Credit Unions