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First Alliance Credit Union

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First Alliance Credit Union Rates & Review November 2026

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

Current rates for First Alliance Credit Union include: 12-Month CD: 3.80%, 18-Month CD: 4.00%, 24-Month CD: 3.80%, 60-Month CD: 3.80%, Savings: 0.45%, MMA: 2.80%

Q: What CD terms does First Alliance Credit Union offer?

First Alliance Credit Union CD rates are 4.00% APY for a 9 month CD, 3.80% APY for a 12 month CD, 4.00% APY for an 18 month CD, 3.80% APY for a 2 year CD, 3.80% APY for a 30 month CD and 3.80% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with First Alliance Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 29, 2026

First Alliance Credit Union's 18 Month CD rates are at 4.00%, 9 Month CD rates are at 4.00%, 12 Month CD rates are at 3.80%, 24 Month CD rates are at 3.80%, 30 Month CD rates are at 3.80%. First Alliance Credit Union's savings rates are at 0.45%. First Alliance Credit Union's money market rates are at 2.80%. First Alliance Credit Union's checking rates are as high as 0.10%. First Alliance Credit Union's Personal Loan Rates are as low as 10.00%. First Alliance Credit Union's Credit Card Rates are at 17.74%. First Alliance Credit Union's CD rates are 32% higher than the MonitorBankRates national average, and it has an A health rating. MonitorBankRates evaluates the financial stability of First Alliance Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 7.96%. Rates last updated and verified on 10/29/2026.

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

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 96/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

7.96%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

First Alliance Credit Union
16th Street

501 16th St SE
Rochester, MN 55904

https://www.firstalliancecu.com

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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.

First Alliance Credit Union CD Rates

Product	Rate	APY	Term
18 Month Jumbo CD	4.17%	4.25%	18 Month
Min Deposit $500 Min Balance $250,000 Details Balance: $250,000.00 and over; Effective October 14, 2026 Last Updated 10/29/2026 Rate History 1 change since Oct 9, 2026 · 4.15% → 4.25% ▲ 0.10 pts · high 4.25% / low 4.15% Oct 26, 20264.25%▲ from 4.15% Oct 9, 20264.15%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.96%
18 Month Jumbo CD	4.07%	4.15%	18 Month
Min Deposit $500 Min Balance $100,000 Details Balance: $100,000.00 - $249,999.99 Last Updated 10/29/2026 Rate History 1 change since Oct 13, 2026 · 4.05% → 4.15% ▲ 0.10 pts · high 4.15% / low 4.05% Oct 19, 20264.15%▲ from 4.05% Oct 13, 20264.05%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.96%
Jumbo IRA 18 Month Certificate	4.07%	4.15%	18 Month
Min Deposit $500 Min Balance $100,000 Details Balance: $100,000.00 - $249,999.99 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 4.15% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.96%
12 Month Jumbo CD	3.98%	4.05%	12 Month
Min Deposit $500 Min Balance $250,000 Details Balance: $250,000.00 and over; Effective October 14, 2026 Last Updated 10/29/2026 Rate History 1 change since Oct 9, 2026 · 3.95% → 4.05% ▲ 0.10 pts · high 4.05% / low 3.95% Oct 26, 20264.05%▲ from 3.95% Oct 9, 20263.95%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.96%
24 Month Jumbo CD	3.98%	4.05%	24 Month
Min Deposit $500 Min Balance $250,000 Details Balance: $250,000.00 and over; Effective October 14, 2026 Last Updated 10/29/2026 Rate History 1 change since Oct 9, 2026 · 3.75% → 4.05% ▲ 0.30 pts · high 4.05% / low 3.75% Oct 26, 20264.05%▲ from 3.75% Oct 9, 20263.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.96%
30 Month Jumbo CD	3.98%	4.05%	30 Month
Min Deposit $500 Min Balance $250,000 Details Balance: $250,000.00 and over; Effective October 14, 2026 Last Updated 10/29/2026 Rate History 1 change since Oct 9, 2026 · 3.75% → 4.05% ▲ 0.30 pts · high 4.05% / low 3.75% Oct 26, 20264.05%▲ from 3.75% Oct 9, 20263.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.96%
36 Month Jumbo CD	3.98%	4.05%	36 Month
Min Deposit $500 Min Balance $250,000 Details Balance: $250,000.00 and over; Effective October 14, 2026 Last Updated 10/29/2026 Rate History 1 change since Oct 9, 2026 · 3.75% → 4.05% ▲ 0.30 pts · high 4.05% / low 3.75% Oct 26, 20264.05%▲ from 3.75% Oct 9, 20263.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.96%
48 Month Jumbo CD	3.98%	4.05%	48 Month
Min Deposit $500 Min Balance $250,000 Details Balance: $250,000.00 and over; Effective October 14, 2026 Last Updated 10/29/2026 Rate History 1 change since Oct 9, 2026 · 3.75% → 4.05% ▲ 0.30 pts · high 4.05% / low 3.75% Oct 26, 20264.05%▲ from 3.75% Oct 9, 20263.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.96%
60 Month Jumbo CD	3.98%	4.05%	60 Month
Min Deposit $500 Min Balance $250,000 Details Balance: $250,000.00 and over; Effective October 14, 2026 Last Updated 10/29/2026 Rate History 1 change since Oct 9, 2026 · 3.95% → 4.05% ▲ 0.10 pts · high 4.05% / low 3.95% Oct 26, 20264.05%▲ from 3.95% Oct 9, 20263.95%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.96%
18 Month CD	3.93%	4.00%	18 Month
Min Deposit $500 Min Balance $500 Details Balance: $500.00 - $99,999.99; Business & Consumer CD Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 4.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.96%
9 Month CD	3.93%	4.00%	9 Month
Min Deposit $500 Details Promotional rate effective October 14, 2026; add more money anytime with no early withdrawal fee; auto-renews to 12-month CD at eligible tiered rate upon maturity; early withdrawal penalty waived; offer subject to change or end without notice Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 4.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.96%
IRA Certificate - 18 Month	3.93%	4.00%	18 Month
Min Deposit $500 Min Balance $500 Details Balance: $500.00 - $99,999.99 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 4.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.96%
12 Month Jumbo CD	3.88%	3.95%	12 Month
Min Deposit $500 Min Balance $100,000 Details Balance: $100,000.00 - $249,999.99 Last Updated 10/29/2026 Rate History 1 change since Oct 13, 2026 · 3.85% → 3.95% ▲ 0.10 pts · high 3.95% / low 3.85% Oct 19, 20263.95%▲ from 3.85% Oct 13, 20263.85%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.96%
24 Month Jumbo CD	3.88%	3.95%	24 Month
Min Deposit $500 Min Balance $100,000 Details Balance: $100,000.00 - $249,999.99 Last Updated 10/29/2026 Rate History 1 change since Oct 13, 2026 · 3.85% → 3.95% ▲ 0.10 pts · high 3.95% / low 3.85% Oct 19, 20263.95%▲ from 3.85% Oct 13, 20263.85%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.96%
30 Month Jumbo CD	3.88%	3.95%	30 Month
Min Deposit $500 Min Balance $100,000 Details Balance: $100,000.00 - $249,999.99 Last Updated 10/29/2026 Rate History 1 change since Oct 13, 2026 · 3.65% → 3.95% ▲ 0.30 pts · high 3.95% / low 3.65% Oct 19, 20263.95%▲ from 3.65% Oct 13, 20263.65%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.96%
36 Month Jumbo CD	3.88%	3.95%	36 Month
Min Deposit $500 Min Balance $100,000 Details Balance: $100,000.00 - $249,999.99 Last Updated 10/29/2026 Rate History 1 change since Oct 13, 2026 · 3.65% → 3.95% ▲ 0.30 pts · high 3.95% / low 3.65% Oct 19, 20263.95%▲ from 3.65% Oct 13, 20263.65%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.96%
48 Month Jumbo CD	3.88%	3.95%	48 Month
Min Deposit $500 Min Balance $100,000 Details Balance: $100,000.00 - $249,999.99 Last Updated 10/29/2026 Rate History 1 change since Oct 13, 2026 · 3.65% → 3.95% ▲ 0.30 pts · high 3.95% / low 3.65% Oct 19, 20263.95%▲ from 3.65% Oct 13, 20263.65%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.96%
6 Month Jumbo CD	3.88%	3.95%	6 Month
Min Deposit $500 Min Balance $250,000 Details Balance: $250,000.00 and over; Effective October 14, 2026 Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 3.95% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.96%
60 Month Jumbo CD	3.88%	3.95%	60 Month
Min Deposit $500 Min Balance $100,000 Details Balance: $100,000.00 - $249,999.99 Last Updated 10/29/2026 Rate History 1 change since Oct 13, 2026 · 3.85% → 3.95% ▲ 0.10 pts · high 3.95% / low 3.85% Oct 19, 20263.95%▲ from 3.85% Oct 13, 20263.85%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.96%
Jumbo IRA 12 Month Certificate	3.88%	3.95%	12 Month
Min Deposit $500 Min Balance $100,000 Details Balance: $100,000.00 - $249,999.99 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 3.95% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.96%
Jumbo IRA 24 Month Certificate	3.88%	3.95%	24 Month
Min Deposit $500 Min Balance $100,000 Details Balance: $100,000.00 - $249,999.99 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 3.95% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.96%
Jumbo IRA 30 Month Certificate	3.88%	3.95%	30 Month
Min Deposit $500 Min Balance $100,000 Details Balance: $100,000.00 - $249,999.99 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 3.95% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.96%
Jumbo IRA 36 Month Certificate	3.88%	3.95%	36 Month
Min Deposit $500 Min Balance $100,000 Details Balance: $100,000.00 - $249,999.99 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 3.95% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.96%
Jumbo IRA 48 Month Certificate	3.88%	3.95%	48 Month
Min Deposit $500 Min Balance $100,000 Details Balance: $100,000.00 - $249,999.99 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 3.95% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.96%
Jumbo IRA 60 Month Certificate	3.88%	3.95%	60 Month
Min Deposit $500 Min Balance $100,000 Details Balance: $100,000.00 - $249,999.99 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 3.95% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.96%
6 Month Jumbo CD	3.78%	3.85%	6 Month
Min Deposit $500 Min Balance $100,000 Details Balance: $100,000.00 - $249,999.99 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.85% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.96%
Jumbo IRA 6 Month Certificate	3.78%	3.85%	6 Month
Min Deposit $500 Min Balance $100,000 Details Balance: $100,000.00 - $249,999.99 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 3.85% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.96%
12 Month CD	3.74%	3.80%	12 Month
Min Deposit $500 Min Balance $500 Details Balance: $500.00 - $99,999.99; Business & Consumer CD Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 3.80% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.96%
24 Month CD	3.74%	3.80%	24 Month
Min Deposit $500 Min Balance $500 Details Balance: $500.00 - $99,999.99; Business & Consumer CD Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 3.80% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.96%
30 Month CD	3.74%	3.80%	30 Month
Min Deposit $500 Min Balance $500 Details Balance: $500.00 - $99,999.99; Business & Consumer CD Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 3.80% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.96%
36 Month CD	3.74%	3.80%	36 Month
Min Deposit $500 Min Balance $500 Details Balance: $500.00 - $99,999.99; Business & Consumer CD Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 3.80% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.96%
48 Month CD	3.74%	3.80%	48 Month
Min Deposit $500 Min Balance $500 Details Balance: $500.00 - $99,999.99; Business & Consumer CD Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 3.80% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.96%
60 Month CD	3.74%	3.80%	60 Month
Min Deposit $500 Min Balance $500 Details Balance: $500.00 - $99,999.99; Business & Consumer CD Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 3.80% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.96%
IRA Certificate - 12 Month	3.74%	3.80%	12 Month
Min Deposit $500 Min Balance $500 Details Balance: $500.00 - $99,999.99 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 3.80% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.96%
IRA Certificate - 24 Month	3.74%	3.80%	24 Month
Min Deposit $500 Min Balance $500 Details Balance: $500.00 - $99,999.99 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 3.80% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.96%
IRA Certificate - 30 Month	3.74%	3.80%	30 Month
Min Deposit $500 Min Balance $500 Details Balance: $500.00 - $99,999.99 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 3.80% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.96%
IRA Certificate - 36 Month	3.74%	3.80%	36 Month
Min Deposit $500 Min Balance $500 Details Balance: $500.00 - $99,999.99 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 3.80% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.96%
IRA Certificate - 48 Month	3.74%	3.80%	48 Month
Min Deposit $500 Min Balance $500 Details Balance: $500.00 - $99,999.99 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 3.80% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.96%
IRA Certificate - 60 Month	3.74%	3.80%	60 Month
Min Deposit $500 Min Balance $500 Details Balance: $500.00 - $99,999.99 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 3.80% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.96%
6 Month CD	3.64%	3.70%	6 Month
Min Deposit $500 Min Balance $500 Details Balance: $500.00 - $99,999.99; Business & Consumer CD Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 3.70% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.96%

First Alliance Credit Union Savings Rates

Product	Rate	APY
Health Savings Account	0.45%	0.45%
Min Balance $1 Details Dividend rates effective July 1, 2026 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.45% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.96%
Holiday/Vacation/Back to School Club	0.30%	0.30%
Min Balance $0 Details Dividend rates effective July 1, 2026 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.96%
Pet Savings	0.30%	0.30%
Min Balance $0 Details Dividend rates effective July 1, 2026 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.96%
WINcentive Savings	0.30%	0.30%
Min Balance $0 Details Dividend rates effective July 1, 2026 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.96%
Main Share Savings	0.20%	0.20%
Min Balance $5 Details Dividend rates effective July 1, 2026 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.96%
Sub-Share Savings	0.20%	0.20%
Min Balance $100 Details Dividend rates effective July 1, 2026 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.96%

First Alliance Credit Union Money Market Rates

Product	Rate	APY
Personal Money Market	2.67%	2.70%
Min Deposit $2,000 Min Balance $250,000 Details Balance: $250,000 & Over; Effective July 1, 2026 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 2.70% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.96%
Personal Money Market	2.08%	2.10%
Min Deposit $2,000 Min Balance $100,000 Details Balance: $100,000.00 - $249,999.99; Effective July 1, 2026 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 2.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.96%
Personal Money Market	1.79%	1.80%
Min Deposit $2,000 Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99; Effective July 1, 2026 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 1.80% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.96%
Personal Money Market	1.49%	1.50%
Min Deposit $2,000 Min Balance $20,000 Details Balance: $20,000.00 - $49,999.99; Effective July 1, 2026 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 1.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.96%
Personal Money Market	1.09%	1.10%
Min Deposit $2,000 Min Balance $2,000 Details Balance: $2,000.00 - $19,999.99; Effective July 1, 2026 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 1.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.96%

First Alliance Credit Union Business Money Market Rates

Product	Rate	APY
Business Money Market	-	2.80%
Min Balance $250,000 Details Tier 5; Balance: $250,000 & Over; Effective July 1, 2026 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 2.80% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.96%
Business Money Market	-	2.40%
Min Balance $100,000 Details Tier 4; Balance: $100,000.00 - $249,999.99; Effective July 1, 2026 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 2.40% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.96%
Business Money Market	-	2.20%
Min Balance $50,000 Details Tier 3; Balance: $50,000.00 - $99,999.99; Effective July 1, 2026 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 2.20% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.96%
Business Money Market	-	1.90%
Min Balance $20,000 Details Tier 2; Balance: $20,000.00 - $49,999.99; Effective July 1, 2026 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 1.90% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.96%
Business Money Market	-	1.70%
Min Balance $2,000 Details Tier 1; Balance: $2,000.00 - $19,999.99; Effective July 1, 2026 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 1.70% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.96%

First Alliance Credit Union Checking Rates

Product	Rate	APY	View More
Checking	0.10%	0.10%
Min Balance $1,000 Details Dividend rates effective July 1, 2026 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.96%

First Alliance Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Loan - 5 Yr Fixed Rate	-	-	5.99%	5 years
Details As Low As; Fixed rate; Loan to Value (LTV) 80% or below; Effective October 1, 2026 Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 5.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.96%
Home Equity Loan - 7 Yr Fixed Rate	-	-	6.24%	7 years
Details As Low As; Fixed rate; Loan to Value (LTV) 80% or below; Effective October 1, 2026 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 6.24% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.96%
Home Equity Loan - 10 Yr Fixed Rate	-	-	6.39%	10 years
Details As Low As; Fixed rate; Loan to Value (LTV) 80% or below; Effective October 1, 2026 Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 6.24% → 6.39% ▲ 0.15 pts · high 6.39% / low 6.24% Oct 9, 20266.39%▲ from 6.24% Sep 14, 20266.24%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.96%
Home Equity Loan - 15 Yr Fixed Rate	-	-	6.69%	15 years
Details As Low As; Fixed rate; Loan to Value (LTV) 80% or below; Effective October 1, 2026 Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 6.69% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.96%
Home Equity Line of Credit	-	-	7.00%
Details As Low As; Loan to Value (LTV) 80% or below; variable, tied to Wall Street Journal Prime Rate; APR minimum 3%, maximum 11%; Effective October 1, 2026 Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 6.75% → 7.00% ▲ 0.25 pts · high 7.00% / low 6.75% Oct 2, 20267.00%▲ from 6.75% Sep 14, 20266.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.96%

First Alliance Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Car & Motorcycle Loan - 12-36 months	-	-	4.74%	12-36 months
Details As Low As; New Car & Motorcycle Rates; APR = Annual Percentage Rate; subject to credit evaluation Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 4.74% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.96%
New Car & Motorcycle Loan - 37-60 months	-	-	4.99%	37-60 months
Details As Low As; New Car & Motorcycle Rates; APR = Annual Percentage Rate; subject to credit evaluation Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 4.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.96%
New Car & Motorcycle Loan - 61-75 months	-	-	5.24%	61-75 months
Details As Low As; New Car & Motorcycle Rates; APR = Annual Percentage Rate; subject to credit evaluation Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 5.24% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.96%
New Car & Motorcycle Loan - 76-84 months	-	-	5.49%	76-84 months
Details As Low As; New Car & Motorcycle Rates; APR = Annual Percentage Rate; subject to credit evaluation Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 5.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.96%

First Alliance Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Recreational Vehicle Loan	-	5.74%	12-36 months
Details As Low As; Effective January 1, 2026 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 5.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.96%
Recreational Vehicle Loan	-	5.99%	37-60 months
Details As Low As; Effective January 1, 2026 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 5.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.96%

First Alliance Credit Union Credit Card Rates

Product	Rate	APR	View More
Classic Credit Card	-	17.74%
Details APR on purchases, cash advances & balance transfers; Variable with Prime Rate (WSJ); For building or rebuilding credit; No annual fee; Foreign transaction fee is 1% of each purchase Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 17.74% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.96%

First Alliance Credit Union Personal Loan Rates

Product	APR	Term
Personal Line of Credit	10.00%	Open-ended term
Details Variable APR based on Prime Rate published in the Wall Street Journal; Minimum credit line $5,000; No annual fees; Effective October 1, 2026 Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 9.75% → 10.00% ▲ 0.25 pts · high 10.00% / low 9.75% Oct 9, 202610.00%▲ from 9.75% Sep 14, 20269.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.96%
Personal Loan	11.24%	12 to 36 months
Details As Low As; Unsecured; Fixed rate; Loans up to $40,000 per borrower; Effective October 1, 2026 Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 10.99% → 11.24% ▲ 0.25 pts · high 11.24% / low 10.99% Oct 9, 202611.24%▲ from 10.99% Sep 14, 202610.99%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.96%
Personal Loan	11.99%	37 to 60 months
Details As Low As; Unsecured; Fixed rate; Loans up to $40,000 per borrower; Effective October 1, 2026 Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 11.74% → 11.99% ▲ 0.25 pts · high 11.99% / low 11.74% Oct 9, 202611.99%▲ from 11.74% Sep 14, 202611.74%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.96%

First Alliance Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Manufactured Home Loan - 10 Year	6.75%	-	7.222%	10 Year
Details As Low As; Effective October 1, 2026; Based on $30,000 loan amount, 5 years old or newer manufactured home in a park, 20% down payment, $635 application fee, 720 credit score Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 7.22% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.96%
Manufactured Home Loan - 15 Year	7.00%	-	7.339%	15 Year
Details As Low As; Effective October 1, 2026; Based on $30,000 loan amount, 5 years old or newer manufactured home in a park, 20% down payment, $635 application fee, 720 credit score Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 7.34% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.96%
Manufactured Home Loan - 20 Year	7.25%	-	7.526%	20 Year
Details As Low As; Double wide only; Effective October 1, 2026; Based on $30,000 loan amount, 5 years old or newer manufactured home in a park, 20% down payment, $635 application fee, 720 credit score Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 7.53% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.96%
Manufactured Home Loan - 7 Year	6.50%	-	7.145%	7 Year
Details As Low As; Effective October 1, 2026; Based on $30,000 loan amount, 5 years old or newer manufactured home in a park, 20% down payment, $635 application fee, 720 credit score Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 7.15% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.96%
IRA Savings, Roth & Coverdell	0.60%	-	0.60%
Min Balance $10 Details Dividend rates effective July 1, 2026 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.60% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.96%

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

First Alliance Credit Union’s Texas Ratio rose from 6.30% in Q3 2023 to 7.96% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify 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 Grade15% Verified Healthy limit (green zone below = healthy)

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	$358M	7.96%	5.0	A
March 31, 2026	$335M	8.28%	5.0	A
December 31, 2025	$301M	10.20%	5.0	A
September 30, 2025	$291M	8.88%	5.0	A
June 30, 2025	$284M	9.49%	5.0	A
March 31, 2025	$280M	9.42%	5.0	A
December 31, 2024	$270M	7.62%	5.0	A
September 30, 2024	$280M	6.84%	5.0	A
June 30, 2024	$285M	5.68%	5.0	A+
March 31, 2024	$291M	5.84%	5.0	A+
December 31, 2023	$283M	7.82%	5.0	A
September 30, 2023	$283M	6.30%	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 First Alliance 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 First Alliance 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 First Alliance Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name First Alliance Credit Union

Website https://www.firstalliancecu.com

Address 501 16th St SE, Rochester, MN 55904

Phone 507-288-0330

Fax 507-281-7600

President Jane Drennan

CEO Brent Rempe

Full-Time Employees 79

Part-Time Employees 2

Branch Locations 7

ATM Locations 7

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (96/100)

Texas Ratio

7.96%

Return on Assets (ROA)

0.8843%

Return on Equity (ROE)

8.8854%

Non-Performing Loans Ratio (NPL)

1.19%

Total Assets

358,467,461

Total Amount of Shares and Deposits

295,999,068

Total Shares and Deposits < 1 Year

262,147,151

Total Shares and Deposits 1 3 Years

3,297,339

Total Shares and Deposits > 3 Years

30,554,574

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

13,333,102

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

13,333,102

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

282,665,966

Total Interest Expense (Sum of items 6 8)

2,131,845

Share Certificates

1,724

Number of Accounts for Share Drafts

14,924

IRA KEOGH Accounts

461

Number of Accounts for Regular Shares

22,408

All other shares

2,360

Non Member Deposits

21,101

Money Market Shares

1,452

Net Income (unless the amount is already included in Undivided Earnings)

3,169,957

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)

19,013,049

Total Liabilities

322,918,352

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

First Alliance 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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       width="160" height="160">
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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About First Alliance Credit Union

Does First Alliance Credit Union offer CDs?

Yes. First Alliance Credit Union current CD rates include its 18 Month CD at 4.00% APY, its 9 Month CD at 4.00% APY and its 12 Month CD at 3.80% APY, verified by MonitorBankRates as of October 29, 2026.

Are CDs from First Alliance Credit Union NCUA insured?

Yes. First Alliance 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 First Alliance Credit Union?

The highest First Alliance Credit Union CD rate is its 18 Month Jumbo CD at 4.25% APY, verified by MonitorBankRates as of October 29, 2026.

What CD terms does First Alliance Credit Union offer?

First Alliance Credit Union CD rates are 4.00% APY for a 9 month CD, 3.80% APY for a 12 month CD, 4.00% APY for an 18 month CD, 3.80% APY for a 2 year CD, 3.80% APY for a 30 month CD and 3.80% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with First Alliance Credit Union for its full lineup.

What is the highest savings rate at First Alliance Credit Union?

The highest First Alliance Credit Union savings rate is its Health Savings Account at 0.45% APY, verified by MonitorBankRates as of October 29, 2026.

What is the highest money market rate at First Alliance Credit Union?

The highest First Alliance Credit Union money market rate is its Business Money Market at 2.80% APY, verified by MonitorBankRates as of October 29, 2026.

What is the highest checking rate at First Alliance Credit Union?

The highest First Alliance Credit Union checking rate is its Checking at 0.10% APY, verified by MonitorBankRates as of October 29, 2026.

What is the lowest auto loan rate at First Alliance Credit Union?

The lowest First Alliance Credit Union auto loan rate is its New Car & Motorcycle Loan - 12-36 months at 4.74% APR, verified by MonitorBankRates as of October 29, 2026. First Alliance Credit Union auto loan rates are 4.74% APR for a 36 month auto loan, 4.99% APR for a 60 month auto loan, 5.24% APR for a 75 month auto loan and 5.49% APR for an 84 month auto loan.

What is the lowest personal loan rate at First Alliance Credit Union?

The lowest First Alliance Credit Union personal loan rate is its Personal Line of Credit at 10.00% APR, verified by MonitorBankRates as of October 29, 2026.

What is the lowest credit card APR at First Alliance Credit Union?

The lowest First Alliance Credit Union credit card APR is its Classic Credit Card at 17.74% APR, verified by MonitorBankRates as of October 29, 2026.

How many branches does First Alliance Credit Union operate?

First Alliance 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 First Alliance Credit Union?

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

Does First Alliance Credit Union offer online and mobile banking?

Most modern institutions like First Alliance 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.firstalliancecu.com.

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 First Alliance Credit Union rates compare?

First Alliance Credit Union's CD rates are 32% higher than the MonitorBankRates national average, and it has an A health rating. First Alliance Credit Union's top rates are its 18 Month Jumbo CD at 4.25% APY, its Health Savings Account at 0.45% APY, its Business Money Market at 2.80% APY, its Checking at 0.10% APY, its Personal Line of Credit at 10.00% APR and its Classic Credit Card at 17.74% APR, verified by MonitorBankRates on October 29, 2026.

Current First Alliance Credit Union Rates

12-Month CD3.80%
18-Month CD4.00%
24-Month CD3.80%
60-Month CD3.80%
Savings0.45%
MMA2.80%

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

Compare to Other Credit Unions

First Alliance Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

First Alliance Credit Union Texas Ratio

First Alliance Credit Union Health Trend

First Alliance Credit Union CD Rates

First Alliance Credit Union Savings Rates

First Alliance Credit Union Money Market Rates

First Alliance Credit Union Business Money Market Rates

First Alliance Credit Union Checking Rates

First Alliance Credit Union Home Equity & HELOC

First Alliance Credit Union Auto Loan Rates

First Alliance Credit Union RV, Boat and Powersport Loan Rates

First Alliance Credit Union Credit Card Rates

First Alliance Credit Union Personal Loan Rates

First Alliance Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

First Alliance Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About First Alliance Credit Union

Does First Alliance Credit Union offer CDs?

Are CDs from First Alliance Credit Union NCUA insured?

What is the highest CD rate at First Alliance Credit Union?

What CD terms does First Alliance Credit Union offer?

What is the highest savings rate at First Alliance Credit Union?

What is the highest money market rate at First Alliance Credit Union?

What is the highest checking rate at First Alliance Credit Union?

What is the lowest auto loan rate at First Alliance Credit Union?

What is the lowest personal loan rate at First Alliance Credit Union?

What is the lowest credit card APR at First Alliance Credit Union?

How many branches does First Alliance Credit Union operate?

Is a member application needed to join First Alliance Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does First Alliance 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 First Alliance Credit Union rates compare?

Current First Alliance Credit Union Rates

Compare to Other Credit Unions