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Alliance Credit Union Fenton, MO Rates & Review March 2026

Alliance Credit Union Fenton, MO's CDs of Deposit & IRA CDs Youth Saver 12-Month CD (ages 0-19) rates are at 4.05%, Youth Saver 12-Month CD (ages 0-19) CD of Deposit & IRA CD rates are at 4.05%, 7 Month Promo CD of Deposit & IRA CD rates are at 4.00%, CDs of Deposit & IRA CDs 7 Month Promo rates are at 4.00%, 12 month CD of Deposit & IRA CD rates are at 3.80%. Alliance Credit Union Fenton, MO's savings rates are at 0.05%. Alliance Credit Union Fenton, MO's money market rates are at 2.20%. Alliance Credit Union Fenton, MO's 20-Year Fixed-Rate Home Loan rates are at 5.75%, 3/1 ARM rates are at 6.00%, 30-Year Fixed-Rate Home Loan rates are at 6.00%, 15-Year Fixed-Rate Home Loan rates are at 5.62%, 3/3 ARM rates are at 6.12%. MonitorBankRates evaluates the financial stability of Alliance Credit Union Fenton, MO with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.34%. Rates were last updated on 03/16/2026.

Alliance Credit Union Fenton, MO 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 Alliance Credit Union Fenton, MO? Share your experience about Alliance Credit Union Fenton, MO by leaving a review below, or read customer reviews before you decide to use Alliance Credit Union Fenton, MO.

Overall Health & Safety Grade ?
A+
Exceptional Health Score: 98/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
4.34%
Excellent Lower than avg
Alliance Credit Union Fenton, MO
Administrative Center and Branch
1280 S Highway Dr
Fenton, MO 63026 1913
https://alliancecu.com
Member NCUA

Alliance Credit Union Fenton, MO CD Rates

Product Rate APY Term View More
Certificates of Deposit & IRA CDs Youth Saver 12-Month CD (ages 0-19) 3.99% 4.05% 12-Month
Min Deposit $250
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.34%
Youth Saver 12-Month CD (ages 0-19) Certificate of Deposit & IRA CD 3.99% 4.05% 12
Min Deposit $250
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.34%
7 Month Promo Certificate of Deposit & IRA CD 3.95% 4.00% 7
Min Deposit $1,000
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.34%
Certificates of Deposit & IRA CDs 7 Month Promo 3.95% 4.00% 7 Month
Min Deposit $1,000
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.34%
12 month Certificate of Deposit & IRA CD 3.75% 3.80% 12
Min Deposit $1,000
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.34%
Certificates of Deposit & IRA CDs 12 month 3.75% 3.80% 12 Months
Min Deposit $1,000
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.34%
18 month Certificate of Deposit & IRA CD 3.46% 3.50% 18
Min Deposit $1,000
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.34%
24 month Certificate of Deposit & IRA CD 3.46% 3.50% 24
Min Deposit $1,000
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.34%
36 month Certificate of Deposit & IRA CD 3.46% 3.50% 36
Min Deposit $1,000
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.34%
48 month Certificate of Deposit & IRA CD 3.46% 3.50% 48
Min Deposit $1,000
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.34%
60 month Certificate of Deposit & IRA CD 3.46% 3.50% 60
Min Deposit $1,000
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.34%
Certificates of Deposit & IRA CDs 18 month 3.46% 3.50% 18 Months
Min Deposit $1,000
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.34%
Certificates of Deposit & IRA CDs 24 month 3.46% 3.50% 24 Months
Min Deposit $1,000
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.34%
Certificates of Deposit & IRA CDs 36 month 3.46% 3.50% 36 Months
Min Deposit $1,000
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.34%
Certificates of Deposit & IRA CDs 48 month 3.46% 3.50% 48 Months
Min Deposit $1,000
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.34%
Certificates of Deposit & IRA CDs 60 month 3.46% 3.50% 60 Months
Min Deposit $1,000
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.34%
15 month Certificate of Deposit & IRA CD 3.26% 3.30% 15
Min Deposit $1,000
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.34%
36 month Rate Bump Certificate of Deposit & IRA CD 3.26% 3.30% 36
Min Deposit $1,000
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.34%
48 month Rate Bump Certificate of Deposit & IRA CD 3.26% 3.30% 48
Min Deposit $1,000
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.34%
60 month Rate Bump Certificate of Deposit & IRA CD 3.26% 3.30% 60
Min Deposit $1,000
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.34%
Certificates of Deposit & IRA CDs 15 month 3.26% 3.30% 15 Months
Min Deposit $1,000
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.34%
Certificates of Deposit & IRA CDs 36 month Rate Bump 3.26% 3.30% 36 Months
Min Deposit $1,000
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.34%
Certificates of Deposit & IRA CDs 48 month Rate Bump 3.26% 3.30% 48 Months
Min Deposit $1,000
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.34%
Certificates of Deposit & IRA CDs 60 month Rate Bump 3.26% 3.30% 60 Months
Min Deposit $1,000
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.34%
9 month Certificate of Deposit & IRA CD 2.75% 2.77% 9
Min Deposit $1,000
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.34%
Certificates of Deposit & IRA CDs 9 month 2.75% 2.77% 9 Months
Min Deposit $1,000
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.34%
8 month Certificate of Deposit & IRA CD 2.65% 2.67% 8
Min Deposit $1,000
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.34%
Certificates of Deposit & IRA CDs 8 month 2.65% 2.67% 8 Months
Min Deposit $1,000
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.34%
6 month Certificate of Deposit & IRA CD 2.48% 2.50% 6
Min Deposit $1,000
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.34%
Certificates of Deposit & IRA CDs 6 month 2.48% 2.50% 6 Months
Min Deposit $1,000
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.34%
3 month Certificate of Deposit & IRA CD 2.14% 2.15% 3
Min Deposit $1,000
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.34%
Certificates of Deposit & IRA CDs 3 month 2.14% 2.15% 3 Months
Min Deposit $1,000
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.34%

Alliance Credit Union Fenton, MO Savings Rates

Product Rate APY View More
Basic Savings 0.05% 0.05%
Min Balance $100
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.34%

Alliance Credit Union Fenton, MO Money Market Rates

Product Rate APY View More
Money Market 2.96% 3.00%
Min Balance $100,000
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.34%
Money Market 2.77% 2.80%
Min Balance $75,000
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.34%
Money Market 2.57% 2.60%
Min Balance $50,000
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.34%
Money Market 2.38% 2.40%
Min Balance $25,000
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.34%
Money Market 2.18% 2.20%
Min Balance $10,000
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.34%

Alliance Credit Union Fenton, MO Checking Rates

Product Rate APY View More
Best Interest Checking 3.85% 4.00%
Min Balance $0
Details Qualifying balance up to $10,000.00
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.34%

Alliance Credit Union Fenton, MO Mortgage Rates

Product Rate Points APR Term View More
20-Year Fixed-Rate Home Loan 5.75% - 6.55% 20
No additional details.
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.34%
3/1 ARM 6.00% - 6.61%
No additional details.
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.34%
30-Year Fixed-Rate Home Loan 6.00% - 6.61% 30
No additional details.
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.34%
15-Year Fixed-Rate Home Loan 5.63% - 6.62% 15
No additional details.
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.34%
3/3 ARM 6.13% - 6.73%
No additional details.
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.34%
5/1 ARM 6.13% - 6.73%
No additional details.
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.34%
7/1 ARM 6.25% - 6.86%
No additional details.
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.34%
10-Year Fixed-Rate Home Loan 5.50% - 6.92% 10
No additional details.
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.34%
10/1 ARM 6.50% - 7.11%
No additional details.
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.34%

Alliance Credit Union Fenton, MO Home Equity & HELOC

Product Rate Points APR Term View More
10-year Fixed-Rate Home Equity 6.50% - 6.50% 10
No additional details.
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.34%
15-year Fixed-Rate Home Equity 6.63% - 6.63% 15
No additional details.
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.34%
Adjustable-Rate HELOC 6.75% - 6.75%
No additional details.
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.34%

Methodology & Data Sources

MonitorBankRates Star Rating
Our rating for Alliance Credit Union Fenton, MO 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 Alliance Credit Union Fenton, MO 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 Alliance Credit Union Fenton, MO's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Alliance Credit Union Fenton, MO
Address 1280 S Highway Dr, Fenton, MO 63026 1913
Phone 636-343-7005
Fax 636-343-4986
President Larry Markos
CEO Timothy Stephens
Full-Time Employees 83
Part-Time Employees 0
Branch Locations 6
ATM Locations 6
NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
4.34%
Return on Assets (ROA)
0.5645%
Return on Equity (ROE)
4.8665%
Non-Performing Loans Ratio (NPL)
0.61%
Total Assets
395,573,350
Total Amount of Shares and Deposits
291,386,112
Total Shares and Deposits < 1 Year
272,697,452
Total Shares and Deposits 1 3 Years
13,679,925
Total Shares and Deposits > 3 Years
5,008,735
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
31,386,311
Total Uninsured Shares and Deposits > $250K (F+J)
31,386,311
Total Insured Shares and Deposits > $250K (item 17 less item K)
259,999,801
Total Interest Expense (Sum of items 6 8)
4,785,983
Share Certificates
2,271
Number of Accounts for Share Drafts
11,925
IRA KEOGH Accounts
562
Number of Accounts for Regular Shares
21,872
All other shares
2,199
Money Market Shares
1,200
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
10,594,989
Total Liabilities
350,417,812
Source: NCUA — Last Updated 09/30/2025

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Frequently Asked Questions About Alliance Credit Union Fenton, MO

Is Alliance Credit Union Fenton, MO a safe place to deposit money?

Yes, Alliance Credit Union Fenton, MO is considered a safe financial institution. With a Texas Ratio of 4.3379609941075%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category.

How many branches does Alliance Credit Union Fenton, MO operate?

Alliance Credit Union Fenton, MO 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 Alliance Credit Union Fenton, MO?

Yes, to access services at Alliance Credit Union Fenton, MO, 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, Alliance Credit Union Fenton, MO 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, Alliance Credit Union Fenton, MO provides members with tools to manage their accounts and build a solid financial history.

Does Alliance Credit Union Fenton, MO offer online and mobile banking?

Most modern institutions like Alliance Credit Union Fenton, MO 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://alliancecu.com.

Current Alliance Credit Union Fenton, MO Rates

  • 12-Month CD3.80%
  • 18-Month CD3.50%
  • 24-Month CD3.50%
  • 60-Month CD3.30%
  • Savings0.05%
  • MMA2.20%
Retrieved from our database of financial products. Rates subject to change.