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MembersAlliance Credit Union Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
|✓Fact Checked|Rates Last Updated and Verified: October 30, 2026
MembersAlliance Credit Union's 3 Month CD rates are at 1.00%, 12 Month CD/IRA CD rates are at 3.00%, 18 Month CD/IRA CD rates are at 3.00%, 24 Month CD/IRA CD rates are at 2.80%, 30 Month CD/IRA CD rates are at 2.80%. MembersAlliance Credit Union's savings rates are at 0.15%. MembersAlliance Credit Union's money market rates are at 1.60%. MembersAlliance Credit Union's Conventional Mortgage - 15 Year Fixed Rate rates are at 6.12%, Conventional Mortgages - 5% Down rates are at 6.12%, Primary Mortgage - 15 Year Fixed Rate rates are at 6.12%, Conventional Mortgage - 20 Year Fixed Rate rates are at 6.99%, Primary Mortgage - 20 Year Fixed Rate rates are at 6.99%. MembersAlliance Credit Union's Personal Loan Rates are as low as 4.25%. MembersAlliance Credit Union's Credit Card Rates are at 8.90%. MembersAlliance Credit Union's CD rates are 18% lower than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of MembersAlliance Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.08%. Rates last updated and verified on 10/30/2026.
MembersAlliance 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 MembersAlliance Credit Union? Share your experience about MembersAlliance Credit Union by leaving a review below, or read customer reviews before you decide to use MembersAlliance Credit Union.
MembersAlliance Credit Union has earned an overall safety grade of A+ (Exceptional, Score: 98/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective NCUA regulatory data.
MonitorBankRates Rating
?
5.0
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
MembersAlliance Credit Union has earned a Star Rating of 5.0 out of 5 stars (Exceptional).
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
?
3.08%
ExcellentLower than avg
MembersAlliance Credit Union Texas Ratio
MembersAlliance Credit Union's Texas Ratio is 3.08%, which is considered excellent and is lower than the national average of 6.13%.
MembersAlliance Credit Union has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
2.24% to 3.08% over 12 quarters, very strongFull history
Star Rating 5.0 to 5.0, Health Grade A+ to A+
The Texas Ratio for this credit union has stayed very strong since Q3 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
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.
MembersAlliance Credit Union CD Rates
Product
Rate
APY
Term
View More
12 Month CD/IRA CD
2.956%
3.00%
12 Months
Min Deposit$500
DetailsPenalty for Early Withdrawal: 180 Days
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
18 Month CD/IRA CD
2.956%
3.00%
18 Months
Min Deposit$500
DetailsPenalty for Early Withdrawal: 180 Days
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
24 Month CD/IRA CD
2.762%
2.80%
24 Months
Min Deposit$500
DetailsPenalty for Early Withdrawal: 180 Days
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 2.80% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
30 Month CD/IRA CD
2.762%
2.80%
30 Months
Min Deposit$500
DetailsPenalty for Early Withdrawal: 180 Days
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 2.80% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
36 Month CD/IRA CD
2.762%
2.80%
36 Months
Min Deposit$500
DetailsPenalty for Early Withdrawal: 180 Days
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 2.80% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
9 Month CD/IRA CD
2.25%
2.275%
9 Months
Min Deposit$500
DetailsPenalty for Early Withdrawal: 90 Days
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 2.28% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
48 Month CD/IRA CD
1.98%
2.00%
48 Months
Min Deposit$500
DetailsPenalty for Early Withdrawal: 365 Days
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
6 Month CD/IRA CD
1.98%
2.00%
6 Months
Min Deposit$500
DetailsPenalty for Early Withdrawal: 90 Days; 6 month CD not eligible for Roth and Education IRAs
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
60 Month CD/IRA CD
1.98%
2.00%
60 Months
Min Deposit$500
DetailsPenalty for Early Withdrawal: 365 Days
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
3 Month CD
0.995%
1.00%
3 Months
Min Deposit$500
DetailsPenalty for Early Withdrawal: 90 Days*; 3 month CD not eligible for IRAs
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
MembersAlliance Credit Union Savings Rates
Product
Rate
APY
View More
Christmas Club
0.15%
0.15%
No additional details.
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 0.15% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
Vacation Club
0.15%
0.15%
No additional details.
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 0.15% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
MembersAlliance Credit Union Business Savings Rates
Product
Rate
APY
View More
Savings Account/Business Savings Account
0.15%
0.15%
Min Deposit$25
Last Updated10/30/2026
Rate History
No change since Oct 10, 2026 · 0.15% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
MembersAlliance Credit Union Money Market Rates
Product
Rate
APY
View More
Money Market Accounts
1.587%
1.60%
Min Deposit$2,500
Min Balance$100,000
DetailsBalance: $100,000+
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 1.60% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
Money Market Accounts
1.341%
1.35%
Min Deposit$2,500
Min Balance$25,000
DetailsBalance: $25,000 - $99,999.99
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 1.35% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
Money Market Accounts
1.094%
1.10%
Min Deposit$2,500
Min Balance$10,000
DetailsBalance: $10,000 - $24,999.99
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 1.10% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
Money Market Accounts
0.946%
0.95%
Min Deposit$2,500
Min Balance$2,500
DetailsBalance: $2,500 - $9,999.99
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 0.95% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
MembersAlliance Credit Union Checking Rates
Product
Rate
APY
View More
Free Basic Checking
0.00%
0.00%
No additional details.
Last Updated10/30/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
HSA Checking
0.00%
0.00%
No additional details.
Last Updated10/30/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
MembersAlliance Credit Union Business Checking Rates
Product
Rate
APY
View More
Business Checking
0.00%
0.00%
No additional details.
Last Updated10/30/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
MembersAlliance Credit Union Mortgage Rates
Product
Rate
Points
APR
Term
View More
Conventional Mortgage - 15 Year Fixed Rate
6.125%
1.000
6.454%
15 Year
DetailsAs Low As; Conventional Mortgages - 5% Down; based on $175,000 loan
Last Updated10/30/2026
Rate History
No change since Oct 14, 2026 · 6.45% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
Conventional Mortgages - 5% Down
6.125%
1.000
6.454%
15 Year Fixed Rate
DetailsRate (as low as); based on $175,000 loan
Last Updated10/30/2026
Rate History
No change since Oct 14, 2026 · 6.45% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
Primary Mortgage - 15 Year Fixed Rate
6.125%
1.000
6.454%
15 Year
DetailsAs Low As; Conventional Mortgages - 5% Down
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 6.45% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
Conventional Mortgage - 15 Year Fixed Rate
6.50%
0.000
6.693%
15 Year
DetailsAs Low As; Conventional Mortgages - 5% Down; based on $175,000 loan
Last Updated10/30/2026
Rate History
No change since Oct 14, 2026 · 6.69% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
Conventional Mortgages - 5% Down
6.50%
0.000
6.693%
15 Year Fixed Rate
DetailsRate (as low as); based on $175,000 loan
Last Updated10/30/2026
Rate History
No change since Oct 14, 2026 · 6.69% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
Primary Mortgage - 15 Year Fixed Rate
6.50%
0.000
6.693%
15 Year
DetailsAs Low As; Conventional Mortgages - 5% Down
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 6.69% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
Conventional Mortgage - 20 Year Fixed Rate
6.99%
1.000
7.299%
20 Year
DetailsAs Low As; Conventional Mortgages - 5% Down; based on $175,000 loan
Last Updated10/30/2026
Rate History
No change since Oct 14, 2026 · 7.30% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
Conventional Mortgages - 5% Down
6.99%
1.000
7.299%
20 Year Fixed Rate
DetailsRate (as low as); based on $175,000 loan
Last Updated10/30/2026
Rate History
No change since Oct 14, 2026 · 7.30% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
Primary Mortgage - 20 Year Fixed Rate
6.99%
1.000
7.299%
20 Year
DetailsAs Low As; Conventional Mortgages - 5% Down
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 7.30% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
Conventional Mortgage - 20 Year Fixed Rate
7.25%
0.000
7.462%
20 Year
DetailsAs Low As; Conventional Mortgages - 5% Down; based on $175,000 loan
Last Updated10/30/2026
Rate History
No change since Oct 14, 2026 · 7.46% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
Conventional Mortgages - 5% Down
7.25%
0.000
7.462%
20 Year Fixed Rate
DetailsRate (as low as); based on $175,000 loan
Last Updated10/30/2026
Rate History
No change since Oct 14, 2026 · 7.46% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
Primary Mortgage - 20 Year Fixed Rate
7.25%
0.000
7.462%
20 Year
DetailsAs Low As; Conventional Mortgages - 5% Down
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 7.46% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
Conventional Mortgage - 30 Year Fixed Rate
7.50%
1.000
7.951%
30 Year
DetailsAs Low As; Conventional Mortgages - 5% Down; based on $175,000 loan
Last Updated10/30/2026
Rate History
No change since Oct 14, 2026 · 7.95% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
Conventional Mortgages - 5% Down
7.50%
1.000
7.951%
30 Year Fixed Rate
DetailsRate (as low as); based on $175,000 loan
Last Updated10/30/2026
Rate History
No change since Oct 14, 2026 · 7.95% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
Primary Mortgage - 30 Year Fixed Rate
7.50%
1.000
7.951%
30 Year
DetailsAs Low As; Conventional Mortgages - 5% Down
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 7.95% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
FHA Mortgage - 30 Year Fixed
7.25%
0.000
7.999%
30 Year
DetailsFHA; 3.5% down; Rate based on $175,000 loan
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 8.00% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
Conventional Mortgage - 30 Year Fixed Rate
7.75%
0.000
8.13%
30 Year
DetailsAs Low As; Conventional Mortgages - 5% Down; based on $175,000 loan
Last Updated10/30/2026
Rate History
No change since Oct 14, 2026 · 8.13% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
Conventional Mortgages - 5% Down
7.75%
0.000
8.13%
30 Year Fixed Rate
DetailsRate (as low as); based on $175,000 loan
Last Updated10/30/2026
Rate History
No change since Oct 14, 2026 · 8.13% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
Primary Mortgage - 30 Year Fixed Rate
7.75%
0.000
8.13%
30 Year
DetailsAs Low As; Conventional Mortgages - 5% Down
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 8.13% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
FHA Mortgage - 25 Year Fixed
7.375%
0.000
8.149%
25 Year
DetailsFHA; 3.5% down; Rate based on $175,000 loan
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 8.15% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
FHA Mortgage - 20 Year Fixed
7.75%
0.000
8.564%
20 Year
DetailsFHA; 3.5% down; Rate based on $175,000 loan
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 8.56% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
MembersAlliance Credit Union Home Equity & HELOC
Product
Rate
Points
APR
Term
View More
Home Equity - Fixed Rate - Up to 90% Loan to Value
-
-
6.00%
Up to 60 Months
DetailsAs Low As; Rates based on A+ credit discount (credit score >740), up to 80% loan-to-value, and Multiple Service discount; 1% added above 80% up to 90% loan-to-value
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 6.00% APR · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
Home Equity - Fixed Rate - Up to 90% Loan to Value
-
-
6.75%
61-120 Months
DetailsAs Low As; Rates based on A+ credit discount (credit score >740), up to 80% loan-to-value, and Multiple Service discount; 1% added above 80% up to 90% loan-to-value
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 6.75% APR · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
Home Equity Line of Credit - Adjustable Rate - Up to 90% Loan to Value
-
-
6.875%
DetailsRate discounted at 6.875% for the first year up to 80% loan-to-value; Adjusts to the Wall Street Journal Prime Rate annually, which is currently at 7.0000%; Maximum APR = 18%; Annual Fee = $10.00
Last Updated10/30/2026
Rate History
No change since Oct 10, 2026 · 6.88% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
Home Equity - Fixed Rate - Up to 90% Loan to Value
-
-
7.25%
121-180 Months
DetailsAs Low As; Rates based on A+ credit discount (credit score >740), up to 80% loan-to-value, and Multiple Service discount; 1% added above 80% up to 90% loan-to-value
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 7.25% APR · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
Home Equity Line of Credit - Adjustable Rate - Up to 90% Loan to Value
-
-
7.785%
DetailsRate discounted at 7.785% for the first year up to 90% loan-to-value; Adjusts to the Wall Street Journal Prime Rate, which is currently at 7.000%, plus 1.000%; Maximum APR = 18%; Annual Fee = $10.00
Last Updated10/30/2026
Rate History
No change since Oct 10, 2026 · 7.79% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
MembersAlliance Credit Union Auto Loan Rates
Product
Rate
Points
APR
Term
View More
Autos, Trucks and Motorcycles - 2027-2026
-
-
4.00%
up to 36 Months
DetailsAs Low As; Model Year: 2027-2026; Pmt/$1,000: $29.52; Rates based on A+ credit discount (credit score >740) and Multiple Service discount (active checking account with direct deposit)
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 4.00% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
Autos, Trucks and Motorcycles - 2027-2026
-
-
5.00%
37-78 Months
DetailsAs Low As; Model Year: 2027-2026; Pmt/$1,000: $29.22 - $15.04; Rates based on A+ credit discount (credit score >740) and Multiple Service discount (active checking account with direct deposit)
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 5.00% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
Autos, Trucks and Motorcycles - 2021-2019
-
-
5.50%
up to 36 Months
DetailsAs Low As; Model Year: 2021-2019; Based on A+ credit discount and Multiple Service discount
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 5.50% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
Autos, Trucks and Motorcycles - 2021-2019
-
-
5.50%
37-78 Months
DetailsAs Low As; Model Year: 2021-2019; Based on A+ credit discount and Multiple Service discount
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 5.50% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
Autos, Trucks and Motorcycles - 2025-2022 Model Year
-
-
5.50%
up to 36 Months
DetailsAs Low As; Model Year: 2025 - 2022; Pmt/$1,000 not extracted; rates based on A+ credit discount (credit score >740) and Multiple Service discount (active checking account with direct deposit)
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 5.50% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
Autos, Trucks and Motorcycles 2025-2022
-
-
5.50%
up to 36 Months
DetailsAs Low As; Model Year: 2025 - 2022; Rates disclosed are As Low As Rates, based on A+ credit discount (credit score >740) and Multiple Service discount (active checking account with direct deposit)
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 5.50% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
Autos, Trucks and Motorcycles 2025-2022
-
-
5.50%
37-78 Months
DetailsAs Low As; Model Year: 2025 - 2022; Rates disclosed are As Low As Rates, based on A+ credit discount (credit score >740) and Multiple Service discount (active checking account with direct deposit)
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 5.50% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
Autos, Trucks and Motorcycles - 2027-2026
-
-
6.00%
79-84 Months
DetailsAs Low As; Model Year: 2027-2026; Pmt/$1,000: $15.35 - $14.61; Rates based on A+ credit discount (credit score >740) and Multiple Service discount (active checking account with direct deposit)
Last Updated10/30/2026
Rate History
No change since Oct 14, 2026 · 6.00% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
Autos, Trucks and Motorcycles 2018 and Older
-
-
6.00%
25-54 Months
DetailsAs Low As; Model Year: 2018 and older; Pmt/$1,000 ignored
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 6.00% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
Autos, Trucks and Motorcycles 2025-2022
-
-
6.50%
79-84 Months
DetailsAs Low As; Model Year: 2025 - 2022; Rates disclosed are As Low As Rates, based on A+ credit discount (credit score >740) and Multiple Service discount (active checking account with direct deposit)
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 6.50% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
Autos, Trucks and Motorcycles - 2021-2019
-
-
6.75%
79-84 Months
DetailsAs Low As; Model Year: 2021-2019; Based on A+ credit discount and Multiple Service discount
Last Updated10/30/2026
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: 3.08%
Autos, Trucks and Motorcycles 2018 and Older
-
-
6.75%
55-78 Months
DetailsAs Low As; Model Year: 2018 and older; Pmt/$1,000 ignored
Last Updated10/30/2026
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: 3.08%
Autos, Trucks and Motorcycles - 2027-2026
-
-
7.00%
85-96 Months
DetailsAs Low As; Model Year: 2027-2026; Minimum loan amount: $40,000; Pmt/$1,000: $14.96 - $13.63; Rates based on A+ credit discount (credit score >740) and Multiple Service discount (active checking account with direct deposit)
Last Updated10/30/2026
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: 3.08%
Autos, Trucks and Motorcycles 2018 and Older
-
-
7.00%
79-90 Months
DetailsAs Low As; Model Year: 2018 and older; Pmt/$1,000 ignored
Last Updated10/30/2026
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: 3.08%
Autos, Trucks and Motorcycles - 2018 and older
-
-
7.50%
up to 24 Months
DetailsAs Low As; Model Year: 2018 and older
Last Updated10/30/2026
Rate History
No change since Oct 14, 2026 · 7.50% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
Autos, Trucks and Motorcycles - 2018 and older
-
-
7.50%
25-36 Months
DetailsAs Low As; Model Year: 2018 and older
Last Updated10/30/2026
Rate History
No change since Oct 14, 2026 · 7.50% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
Autos, Trucks and Motorcycles 2018 and Older
-
-
7.50%
91 months
DetailsTerm: 91-126 Months / $40,000 Min; As Low As; Model Year: 2018 and older; Loan Minimum: $40,000; Pmt/$1,000 ignored
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 7.50% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
Autos, Trucks and Motorcycles - 2018 and older
-
-
7.75%
37-48 Months
DetailsAs Low As; Model Year: 2018 and older
Last Updated10/30/2026
Rate History
No change since Oct 14, 2026 · 7.75% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
Autos, Trucks and Motorcycles 2018 and Older
-
-
8.00%
127 months
DetailsTerm: 127-180 Months / $40,000 Min; As Low As; Model Year: 2018 and older; Loan Minimum: $40,000; Pmt/$1,000 ignored
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 8.00% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
Autos, Trucks and Motorcycles - 2018 and older
-
-
8.50%
49-60 Months
DetailsAs Low As; Model Year: 2018 and older; $20,000 Min.
Last Updated10/30/2026
Rate History
No change since Oct 14, 2026 · 8.50% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
Autos, Trucks and Motorcycles 2018 and Older
-
-
8.50%
181 months
DetailsTerm: 181-246 Months / $60,000 Min.; As Low As; Model Year: 2018 and older; Loan Minimum: $60,000; Pmt/$1,000 ignored
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 8.50% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
MembersAlliance Credit Union RV, Boat and Powersport Loan Rates
Product
Rate
APR
Term
View More
Off Road RVs, Snowmobiles and Jet Skis - 2027-2026 Model Year Loan
-
4.50%
up to 36 Months
DetailsAs Low As; Model Year: 2027-2026; Rates based on A+ credit discount (credit score >740) and Multiple Service discount (active checking account with direct deposit)
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 4.50% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
Off Road RVs, Snowmobiles and Jet Skis 2027-2026 Loan
-
4.50%
up to 36 Months
DetailsAs Low As; Rates based on A+ credit discount (credit score >740) and Multiple Service discount (active checking account with direct deposit); Loan rates may vary based on credit evaluation
Last Updated10/30/2026
Rate History
No change since Oct 14, 2026 · 4.50% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
Off Road RVs, Snowmobiles and Jet Skis Loan
-
4.50%
up to 36 Months
DetailsAs Low As; Model Year: 2027-2026; Pmt/$1,000: $29.75
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 4.50% APR · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
Off Road RVs, Snowmobiles and Jet Skis Loan
-
5.50%
up to 36 Months
DetailsAs Low As; Model Year: 2027 - 2026
Last Updated10/30/2026
Rate History
1 change since Sep 14, 2026 · 4.50% → 5.50% ▲ 1.00 pts · high 5.50% / low 4.50%
No change since Sep 14, 2026 · 6.00% APR · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
Off Road RVs, Snowmobiles and Jet Skis - 2027-2026 Model Year Loan
-
6.25%
DetailsModel year 2026; Additional APR listed for this product: 6.75%. As Low As; Model Year: 2027-2026; Rates based on A+ credit discount (credit score >740) and Multiple Service discount (active checking account with direct deposit)
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 6.25% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
Off Road RVs, Snowmobiles and Jet Skis 2027-2026 Loan
-
6.25%
37-48 Months
DetailsAs Low As; Rates based on A+ credit discount (credit score >740) and Multiple Service discount (active checking account with direct deposit); Loan rates may vary based on credit evaluation
Last Updated10/30/2026
Rate History
No change since Oct 14, 2026 · 6.25% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
Off Road RVs, Snowmobiles and Jet Skis Loan
-
6.25%
37-48 Months
DetailsAs Low As; Model Year: 2027-2026; Pmt/$1,000: $29.78 - $15.63
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 6.25% APR · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
Off Road RVs, Snowmobiles and Jet Skis Loan
-
6.50%
37 -48 Months
DetailsAs Low As; Model Year: 2027 - 2026
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 6.50% APR · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
Off Road RVs, Snowmobiles and Jet Skis 2027-2026 Loan
-
6.75%
49-80 Months
DetailsAs Low As; Rates based on A+ credit discount (credit score >740) and Multiple Service discount (active checking account with direct deposit); Loan rates may vary based on credit evaluation
Last Updated10/30/2026
Rate History
No change since Oct 14, 2026 · 6.75% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
Off Road RVs, Snowmobiles and Jet Skis Loan
-
6.75%
49-80 Months
DetailsAs Low As; Model Year: 2027-2026; Pmt/$1,000: $15.71 - $14.97
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 6.75% APR · checked 10 times
No change since Sep 14, 2026 · 6.75% APR · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
Recreational Vehicles (Boats, Motor Homes, 5th Wheels, Travel Trailers, Campers) - 2018 and older Loan
-
7.00%
25-54 Months
DetailsAs Low As; Model Year: 2018 and older; Rates based on A+ credit discount (credit score >740) and Multiple Service discount (active checking account with direct deposit)
Last Updated10/30/2026
Rate History
No change since Oct 14, 2026 · 7.00% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
Off Road RVs, Snowmobiles and Jet Skis - 2027-2026 Model Year Loan
-
7.25%
DetailsModel year 2026; As Low As; Model Year: 2027-2026; Minimum loan $20,000; Rates based on A+ credit discount (credit score >740) and Multiple Service discount (active checking account with direct deposit)
Last Updated10/30/2026
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: 3.08%
Off Road RVs, Snowmobiles and Jet Skis 2027-2026 Loan
-
7.25%
61-78 Months
DetailsAs Low As; Minimum loan $20,000; Rates based on A+ credit discount (credit score >740) and Multiple Service discount (active checking account with direct deposit); Loan rates may vary based on credit evaluation
Last Updated10/30/2026
Rate History
No change since Oct 14, 2026 · 7.25% APR · checked 4 times
No change since Sep 14, 2026 · 7.25% APR · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
Recreational Vehicles (Boats, Motor Homes, 5th Wheels, Travel Trailers, Campers) - 2018 and older Loan
-
7.25%
55-78 Months
DetailsAs Low As; Model Year: 2018 and older; Rates based on A+ credit discount (credit score >740) and Multiple Service discount (active checking account with direct deposit)
Last Updated10/30/2026
Rate History
No change since Oct 14, 2026 · 7.25% APR · checked 4 times
1 change since Sep 14, 2026 · 7.00% → 7.25% ▲ 0.25 pts · high 7.25% / low 7.00%
Oct 26, 20267.25%▲ from 7.00%
Sep 14, 20267.00%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
Off Road RVs, Snowmobiles and Jet Skis Loan
-
7.50%
49-60 Months
DetailsAs Low As; Model Year: 2027 - 2026
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 7.50% APR · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
Recreational Vehicles (Boats, Motor Homes, 5th Wheels, Travel Trailers, Campers) - 2018 and older Loan
-
7.50%
79-90 Months
DetailsAs Low As; Model Year: 2018 and older; Rates based on A+ credit discount (credit score >740) and Multiple Service discount (active checking account with direct deposit)
Last Updated10/30/2026
Rate History
No change since Oct 14, 2026 · 7.50% APR · checked 4 times
DetailsAs Low As; Model Year: 2027 - 2026; $40,000 Min
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 7.75% APR · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
Recreational Vehicles (Boats, Motor Homes, 5th Wheels, Travel Trailers, Campers) - 2018 and older Loan
-
8.25%
91-126 Months
DetailsAs Low As; Model Year: 2018 and older; $40,000 Minimum loan amount; Rates based on A+ credit discount (credit score >740) and Multiple Service discount (active checking account with direct deposit)
Last Updated10/30/2026
Rate History
No change since Oct 14, 2026 · 8.25% APR · checked 4 times
DetailsAs Low As; Model Year: 2027 - 2026; $40,000 Min
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 8.25% APR · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
MembersAlliance Credit Union Student Loan Rates
Product
Rate
Points
APR
Term
View More
Student Loans - Graduate - Line of Credit (Variable)
4.00%
-
4.00%
DetailsAs Low As; Variable Rate, adjusts quarterly based on Prime Rate; Floor Rate: 4.00%, Ceiling Rate: 18.00%
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 4.00% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
Student Loans - Undergraduate - Line of Credit (Variable)
4.00%
-
4.00%
DetailsAs Low As; Variable Rate, adjusts quarterly based on Prime Rate; Floor Rate: 4.00%, Ceiling Rate: 18.00%
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 4.00% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
Student Loan - Graduate - Line of Credit
4.00%
-
4.25%
DetailsAs Low As; Fixed Rate (as low as) 4.250% = apr; Variable Rate (as low as) 4.000% = rate; Variable adjusts quarterly based on the Prime Rate; Floor Rate: 4.00%, Ceiling Rate: 18.00%; Includes 0.25% discount for auto-pay on fixed rate
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 4.25% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
Student Loan - Undergraduate - Line of Credit
4.00%
-
4.25%
DetailsAs Low As; Fixed Rate (as low as) 4.250% = apr; Variable Rate (as low as) 4.000% = rate; Variable adjusts quarterly based on the Prime Rate; Floor Rate: 4.00%, Ceiling Rate: 18.00%; Includes 0.25% discount for auto-pay on fixed rate
Last Updated10/30/2026
Rate History
No change since Oct 14, 2026 · 4.25% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
Student Loans - Loan Consolidation (Variable)
4.25%
-
4.25%
5 year
DetailsAs Low As; Variable Rate, adjusts quarterly based on Prime Rate; Floor Rate: 4.00%, Ceiling Rate: 18.00%
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 4.25% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
Student Loans - Loan Consolidation (Variable)
5.00%
-
5.00%
10 year
DetailsAs Low As; Variable Rate, adjusts quarterly based on Prime Rate; Floor Rate: 4.00%, Ceiling Rate: 18.00%
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 5.00% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
Student Loan - Loan Consolidation (5 year)
4.25%
-
5.25%
5 year
DetailsAs Low As; Fixed Rate (as low as) 5.250% = apr; Variable Rate (as low as) 4.250% = rate; Variable adjusts quarterly based on the Prime Rate; Floor Rate: 4.00%, Ceiling Rate: 18.00%; Includes 0.25% discount for auto-pay on fixed rate
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 5.25% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
Student Loans - Loan Consolidation (Variable)
5.50%
-
5.50%
15 year
DetailsAs Low As; Variable Rate, adjusts quarterly based on Prime Rate; Floor Rate: 4.00%, Ceiling Rate: 18.00%
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 5.50% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
Student Loan - Loan Consolidation (10 year)
5.00%
-
5.75%
10 year
DetailsAs Low As; Fixed Rate (as low as) 5.750% = apr; Variable Rate (as low as) 5.000% = rate; Variable adjusts quarterly based on the Prime Rate; Floor Rate: 4.00%, Ceiling Rate: 18.00%; Includes 0.25% discount for auto-pay on fixed rate
Last Updated10/30/2026
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: 3.08%
Student Loan - Loan Consolidation (15 year)
5.50%
-
6.25%
15 year
DetailsAs Low As; Fixed Rate (as low as) 6.250% = apr; Variable Rate (as low as) 5.500% = rate; Variable adjusts quarterly based on the Prime Rate; Floor Rate: 4.00%, Ceiling Rate: 18.00%; Includes 0.25% discount for auto-pay on fixed rate
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 6.25% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
MembersAlliance Credit Union Credit Card Rates
Product
Rate
APR
View More
Visa Platinum Rewards Card
-
8.90%
DetailsPublished APR range: 8.90% to 17.90%. APR for Purchases, Cash Advances and Balance Transfers; APR is based on your creditworthiness at the time of account opening
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 8.90% APR · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
MembersAlliance Credit Union Personal Loan Rates
Product
APR
Term
View More
Loan Consolidation (5 year) (Variable Rate)
4.25%
5 year
DetailsAs Low As; Variable Rate; Adjusts quarterly based on the Prime Rate; Floor Rate: 4.00%, Ceiling Rate: 18.00%
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 4.25% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
Student Loans - Loan Consolidation (Variable)
4.25%
5 year
DetailsAs Low As; Variable Rate, adjusts quarterly based on Prime Rate; Floor Rate: 4.00%, Ceiling Rate: 18.00%
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 4.25% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
Loan Consolidation (10 year) (Variable Rate)
5.00%
10 year
DetailsAs Low As; Variable Rate; Adjusts quarterly based on the Prime Rate; Floor Rate: 4.00%, Ceiling Rate: 18.00%
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 5.00% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
Student Loans - Loan Consolidation (Variable)
5.00%
10 year
DetailsAs Low As; Variable Rate, adjusts quarterly based on Prime Rate; Floor Rate: 4.00%, Ceiling Rate: 18.00%
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 5.00% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
Loan Consolidation (5 year)
5.25%
DetailsAs Low As; Fixed Rate (as low as) 5.250%; Variable Rate (as low as) 4.250% (adjusts quarterly based on Prime Rate); Floor Rate: 4.00%, Ceiling Rate: 18.00%; includes 0.25% auto-pay discount on fixed rate
Last Updated10/30/2026
Rate History
1 change since Sep 22, 2026 · 4.25% → 5.25% ▲ 1.00 pts · high 5.25% / low 4.25%
Oct 10, 20265.25%▲ from 4.25%
Sep 22, 20264.25%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
Student Loan - Loan Consolidation (5 year)
5.25%
5 year
DetailsAs Low As; Fixed Rate (as low as) 5.250% = apr; Variable Rate (as low as) 4.250% = rate; Variable adjusts quarterly based on the Prime Rate; Floor Rate: 4.00%, Ceiling Rate: 18.00%; Includes 0.25% discount for auto-pay on fixed rate
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 5.25% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
Loan Consolidation (15 year) (Variable Rate)
5.50%
15 year
DetailsAs Low As; Variable Rate; Adjusts quarterly based on the Prime Rate; Floor Rate: 4.00%, Ceiling Rate: 18.00%
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 5.50% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
Student Loans - Loan Consolidation (Variable)
5.50%
15 year
DetailsAs Low As; Variable Rate, adjusts quarterly based on Prime Rate; Floor Rate: 4.00%, Ceiling Rate: 18.00%
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 5.50% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
Loan Consolidation (10 year)
5.75%
DetailsAs Low As; Fixed Rate (as low as) 5.750%; Variable Rate (as low as) 5.000% (adjusts quarterly based on Prime Rate); Floor Rate: 4.00%, Ceiling Rate: 18.00%; includes 0.25% auto-pay discount on fixed rate
Last Updated10/30/2026
Rate History
1 change since Sep 22, 2026 · 5.00% → 5.75% ▲ 0.75 pts · high 5.75% / low 5.00%
Oct 10, 20265.75%▲ from 5.00%
Sep 22, 20265.00%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
Student Loan - Loan Consolidation (10 year)
5.75%
10 year
DetailsAs Low As; Fixed Rate (as low as) 5.750% = apr; Variable Rate (as low as) 5.000% = rate; Variable adjusts quarterly based on the Prime Rate; Floor Rate: 4.00%, Ceiling Rate: 18.00%; Includes 0.25% discount for auto-pay on fixed rate
Last Updated10/30/2026
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: 3.08%
Loan Consolidation (15 year)
6.25%
DetailsAs Low As; Fixed Rate (as low as) 6.250%; Variable Rate (as low as) 5.500% (adjusts quarterly based on Prime Rate); Floor Rate: 4.00%, Ceiling Rate: 18.00%; includes 0.25% auto-pay discount on fixed rate
Last Updated10/30/2026
Rate History
1 change since Sep 22, 2026 · 5.50% → 6.25% ▲ 0.75 pts · high 6.25% / low 5.50%
Oct 10, 20266.25%▲ from 5.50%
Sep 22, 20265.50%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
Student Loan - Loan Consolidation (15 year)
6.25%
15 year
DetailsAs Low As; Fixed Rate (as low as) 6.250% = apr; Variable Rate (as low as) 5.500% = rate; Variable adjusts quarterly based on the Prime Rate; Floor Rate: 4.00%, Ceiling Rate: 18.00%; Includes 0.25% discount for auto-pay on fixed rate
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 6.25% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
Personal Loans (Unsecured) - Up to 12 Months
9.50%
Up to 12 Months
DetailsAs Low As; Rates based on A+ credit discount (credit score >740) and Multiple Service discount
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 9.50% APR · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
Personal Loans (Unsecured) - 13-24 Months
9.75%
13-24 months
DetailsAs Low As; Rates based on A+ credit discount (credit score >740) and Multiple Service discount
Last Updated10/30/2026
Rate History
No change since Oct 10, 2026 · 9.75% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
Personal Loans (Unsecured) - 25-36 Months
10.00%
25-36 months
DetailsAs Low As; Rates based on A+ credit discount (credit score >740) and Multiple Service discount
Last Updated10/30/2026
Rate History
No change since Oct 10, 2026 · 10.00% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
Personal Loans (Unsecured) - 37-48 Months
10.50%
37-48 months
DetailsAs Low As; Rates based on A+ credit discount (credit score >740) and Multiple Service discount
Last Updated10/30/2026
Rate History
No change since Oct 10, 2026 · 10.50% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
FastCash Loan - Signature Line of Credit
10.90%
DetailsAs Low As; Pmt/$1,000 not extracted; Not available on Unsecured Line of Credit Loans
Last Updated10/30/2026
Rate History
No change since Oct 14, 2026 · 10.90% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
Signature Line of Credit
10.90%
DetailsAs Low As; Rates based on A+ credit discount (credit score >740) and Multiple Service discount; Not available on Unsecured Line of Credit Loans
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 10.90% APR · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
Personal Loans (Unsecured) - 49-60 Months
11.25%
49-60 months
DetailsAs Low As; Rates based on A+ credit discount (credit score >740) and Multiple Service discount
Last Updated10/30/2026
Rate History
No change since Oct 10, 2026 · 11.25% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
Personal Loans (Unsecured) - Fast Cash
23.00%
DetailsFixed rate 23% APR on loan amounts from $200 to $1,000, terms not to exceed 6 months; $20 application fee required; MACU membership at least 90 days old with existing direct deposit; only one Fast Cash loan per household
Last Updated10/30/2026
Rate History
No change since Sep 18, 2026 · 23.00% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
MembersAlliance Credit Union Other Rates
Product
Rate
Points
APY/APR
Term
View More
Computer and Other Durable Goods - 24 Months Loan
-
-
7.00%
24 Months
DetailsAs Low As; Rates based on A+ credit discount (credit score >740) and Multiple Service discount (active checking account with direct deposit)
Last Updated10/30/2026
Rate History
No change since Oct 14, 2026 · 7.00% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
Computer and Other Durable Goods - 36 Months Loan
-
-
8.00%
36 Months
DetailsAs Low As; Rates based on A+ credit discount (credit score >740) and Multiple Service discount (active checking account with direct deposit)
Last Updated10/30/2026
Rate History
No change since Oct 14, 2026 · 8.00% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
Computer and Other Durable Goods - 48 Months Loan
-
-
9.00%
48 Months
DetailsAs Low As; Rates based on A+ credit discount (credit score >740) and Multiple Service discount (active checking account with direct deposit)
Last Updated10/30/2026
Rate History
No change since Oct 14, 2026 · 9.00% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
Computer and Other Durable Goods Loan
-
-
7.00%
24 Months
DetailsAs Low As; Rates based on A+ credit discount (credit score >740) and Multiple Service discount (active checking account with direct deposit)
Last Updated10/30/2026
Rate History
No change since Oct 10, 2026 · 7.00% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
Computer and Other Durable Goods Loan
-
-
8.00%
36 Months
DetailsAs Low As; Rates based on A+ credit discount (credit score >740) and Multiple Service discount (active checking account with direct deposit)
Last Updated10/30/2026
Rate History
No change since Oct 10, 2026 · 8.00% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
Computer and Other Durable Goods Loan
-
-
9.00%
48 Months
DetailsAs Low As; Rates based on A+ credit discount (credit score >740) and Multiple Service discount (active checking account with direct deposit)
Last Updated10/30/2026
Rate History
No change since Oct 10, 2026 · 9.00% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
FastCash Loan
-
-
23.00%
DetailsAs Low As; Pmt/$1,000: $177.96
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 23.00% APR · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
FastCash Loan - 13-24 Months
-
-
9.75%
13-24 months
DetailsAs Low As; Pmt/$1,000 not extracted
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 9.75% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
FastCash Loan - 25-36 Months
-
-
10.00%
25-36 months
DetailsAs Low As; Pmt/$1,000 not extracted
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 10.00% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
FastCash Loan - 37-48 Months
-
-
10.50%
37-48 months
DetailsAs Low As; Pmt/$1,000 not extracted
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 10.50% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
FastCash Loan - 49-60 Months
-
-
11.25%
49-60 months
DetailsAs Low As; Pmt/$1,000 not extracted
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 11.25% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
FastCash Loan - Up to 12 Months
-
-
9.50%
Up to 12 Months
DetailsAs Low As; Pmt/$1,000 not extracted
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 9.50% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
Graduate - Line of Credit (Variable Rate)
4.00%
-
4.00%
DetailsAs Low As; Variable Rate; Adjusts quarterly based on the Prime Rate; Floor Rate: 4.00%, Ceiling Rate: 18.00%
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 4.00% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
Undergraduate - Line of Credit (Variable Rate)
4.00%
-
4.00%
DetailsAs Low As; Variable Rate; Adjusts quarterly based on the Prime Rate; Floor Rate: 4.00%, Ceiling Rate: 18.00%
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 4.00% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
Base IRA (Primary, Education, Roth)
0.15%
-
0.15%
Min Deposit$500
DetailsPenalty for Early Withdrawal: N/A
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 0.15% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
Youth Accounts
0.15%
-
0.15%
Min Deposit$25
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 0.15% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
Financial Health History
MembersAlliance Credit Union’s Texas Ratio rose from 2.24% in Q3 2023 to 3.08% 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
$304M
3.08%
5.0
A+
March 31, 2026
$307M
3.26%
5.0
A+
December 31, 2025
$290M
3.79%
5.0
A+
September 30, 2025
$284M
2.61%
5.0
A+
June 30, 2025
$286M
2.76%
5.0
A+
March 31, 2025
$294M
2.42%
5.0
A+
December 31, 2024
$282M
3.00%
5.0
A+
September 30, 2024
$274M
3.07%
5.0
A+
June 30, 2024
$283M
3.08%
5.0
A+
March 31, 2024
$294M
3.30%
5.0
A+
December 31, 2023
$284M
3.42%
5.0
A+
September 30, 2023
$269M
2.24%
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 MembersAlliance 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 MembersAlliance 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 MembersAlliance Credit Union's official website for the most current offers and terms.
Private Share InsuranceNot federally insured by the NCUA. Deposits are covered by private share insurance instead; contact the credit union for its insurer and coverage limits
Financials
MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
3.08%
Return on Assets (ROA)
0.4082%
Return on Equity (ROE)
4.3539%
Non-Performing Loans Ratio (NPL)
0.45%
Total Assets
303,587,717
Total Amount of Shares and Deposits
271,923,040
Total Shares and Deposits < 1 Year
270,304,240
Total Shares and Deposits 1 3 Years
1,356,003
Total Shares and Deposits > 3 Years
262,797
Total Interest Expense (Sum of items 6 8)
720,922
Share Certificates
1,067
Number of Accounts for Share Drafts
16,096
IRA KEOGH Accounts
550
Number of Accounts for Regular Shares
26,344
All other shares
684
Money Market Shares
535
Net Income (unless the amount is already included in Undivided Earnings)
1,239,388
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)
8,802,060
Total Liabilities
275,508,652
Source: NCUA — Last Updated 06/30/2026
2026 MBR Health & Safety Badge
MembersAlliance 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.
Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter, and this profile page always shows the latest results, so the code never needs to change.
Learn more about the MBR Health & Safety Badge program on our methodology page.
Customer Reviews
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Average Rating
☆☆☆☆☆
Total Reviews
0
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Frequently Asked Questions About MembersAlliance Credit Union
Does MembersAlliance Credit Union offer CDs?
Yes. MembersAlliance Credit Union current CD rates include its 12 Month CD/IRA CD at 3.00% APY, its 18 Month CD/IRA CD at 3.00% APY and its 24 Month CD/IRA CD at 2.80% APY, verified by MonitorBankRates as of October 30, 2026.
Are CDs from MembersAlliance Credit Union NCUA insured?
No. MembersAlliance Credit Union is privately insured rather than federally insured, so its CDs are not covered by the NCUA. Deposits are covered by Not federally insured by the NCUA. Deposits are covered by private share insurance instead; contact the credit union for its insurer and coverage limits. Check the coverage terms with the credit union before you open an account.
What is the highest CD rate at MembersAlliance Credit Union?
The highest MembersAlliance Credit Union CD rate is its 12 Month CD/IRA CD at 3.00% APY, verified by MonitorBankRates as of October 30, 2026.
What CD terms does MembersAlliance Credit Union offer?
MembersAlliance Credit Union CD rates are 1.00% APY for a 3 month CD, 3.00% APY for a 12 month CD, 3.00% APY for an 18 month CD, 2.80% APY for a 2 year CD, 2.80% APY for a 30 month CD and 2.00% 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 MembersAlliance Credit Union for its full lineup.
What is the highest savings rate at MembersAlliance Credit Union?
The highest MembersAlliance Credit Union savings rate is its Savings Account/Business Savings Account at 0.15% APY, verified by MonitorBankRates as of October 30, 2026.
What is the highest money market rate at MembersAlliance Credit Union?
The highest MembersAlliance Credit Union money market rate is its Money Market Accounts at 1.60% APY, verified by MonitorBankRates as of October 30, 2026.
What is the lowest 30 year fixed mortgage rate at MembersAlliance Credit Union?
The lowest MembersAlliance Credit Union 30 year fixed mortgage rate is its FHA Mortgage - 30 Year Fixed at 7.25%, verified by MonitorBankRates as of October 30, 2026. MembersAlliance Credit Union mortgage rates are 7.50% for a 30 year mortgage, 7.375% for a 25 year mortgage, 6.99% for a 20 year mortgage and 6.125% for a 15 year mortgage.
What is the lowest auto loan rate at MembersAlliance Credit Union?
The lowest MembersAlliance Credit Union auto loan rate is its Autos, Trucks and Motorcycles - 2027-2026 at 4.00% APR, verified by MonitorBankRates as of October 30, 2026.
What is the lowest personal loan rate at MembersAlliance Credit Union?
The lowest MembersAlliance Credit Union personal loan rate is its Personal Loans (Unsecured) - 13-24 Months at 9.75% APR, verified by MonitorBankRates as of October 30, 2026. MembersAlliance Credit Union personal loan rates are 9.75% APR for a 24 month personal loan, 10.00% APR for a 36 month personal loan, 10.50% APR for a 48 month personal loan and 11.25% APR for a 60 month personal loan.
What is the lowest credit card APR at MembersAlliance Credit Union?
The lowest MembersAlliance Credit Union credit card APR is its Visa Platinum Rewards Card Credit Card at 8.90% APR, verified by MonitorBankRates as of October 30, 2026.
How many branches does MembersAlliance Credit Union operate?
MembersAlliance 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 MembersAlliance Credit Union?
Yes, to access services at MembersAlliance 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, MembersAlliance 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, MembersAlliance Credit Union provides members with tools to manage their accounts and build a solid financial history.
Does MembersAlliance Credit Union offer online and mobile banking?
Most modern institutions like MembersAlliance 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.membersalliance.org.
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 MembersAlliance Credit Union rates compare?
MembersAlliance Credit Union's CD rates are 18% lower than the MonitorBankRates national average, and it has an A+ health rating. MembersAlliance Credit Union's top rates are its 12 Month CD/IRA CD at 3.00% APY, its Savings Account/Business Savings Account at 0.15% APY, its Money Market Accounts at 1.60% APY, its Conventional Mortgage - 15 Year Fixed Rate at 6.125%, its Loan Consolidation (5 year) (Variable Rate) at 4.25% APR and its Visa Platinum Rewards Card Credit Card at 8.90% APR, verified by MonitorBankRates on October 30, 2026.
Current MembersAlliance Credit Union Rates
12-Month CD3.00%
18-Month CD3.00%
24-Month CD2.80%
60-Month CD2.00%
Savings0.15%
MMA1.60%
Retrieved from our database of financial products. Rates subject to change.