Credit union · NCUA insured
Alliance Credit Union CD Rates
Top CarrotAlliance Credit Union’s best CD rate is 4.21% APY on a 2-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Alliance Credit Union’s CD rates compare
Compared with banks and credit unions near St. Louis, MO-IL, where Alliance Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Alliance Credit Union
4.21%APY
- Term
- 24 months
- Minimum
- $1,000
- Earns on $10,000
- $860
Certificates of Deposit
Top rate
De Soto Mo Pac Credit Union
5.09%APY
- Term
- 12 months
- Minimum
- $5,000
- Earns on $10,000
- $509
2nd-highest rate
Paramount Bank
5.00%APY
- Term
- 11 months
- Minimum
- $1,000
- Earns on $10,000
- $457
Alliance Credit Union CD score
88
CD score
Higher than 83% of U.S. banks and credit unions
- 3–8 months3–8 mo2.70%
- 9–15 months9–15 mo4.06%
- 16–30 months16–30 mo4.21%
- 31–60 months31–60 mo3.80%
- QualifiedQualified4.21%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Alliance Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Certificates of Deposit
Up to 4.21%APY · 12 terms
Interest is compounded quarterly and credited quarterly. Account automatically renews at maturity with a 10-day grace period. Early withdrawal penalty applies.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 2.15% | $53 |
| 6 months | 2.50% | $124 |
| 7 months | 2.55% | $148 |
| 8 months | 2.70% | $179 |
| 9 months | 3.50% | $261 |
| 12 months | 4.01% | $401 |
| 12 monthsAges 0-19 | 3.90% | $390 |
| 15 months | 4.06% | $510 |
| 18 months | 4.15% | $629 |
| 24 months | 4.21% | $860 |
| 36 months | 3.70% | $1,152 |
| 36 monthsRate Bump | 3.49% | $1,084 |
| 48 months | 3.75% | $1,587 |
| 48 monthsRate Bump | 3.54% | $1,493 |
| 60 months | 3.80% | $2,050 |
| 60 monthsRate Bump | 3.59% | $1,929 |
Sources (1)
- alliancecu.com/rates.html · captured Oct 16, 2026
Special-purpose accounts
IRA CDs
Up to 4.21%APY · 12 terms
Early withdrawal penalty applies. Accounts automatically renew at maturity with a 10-day grace period for withdrawal without penalty. Youth Saver option not available for IRAs.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 2.15% | $53 |
| 6 months | 2.50% | $124 |
| 7 months | 2.55% | $148 |
| 8 months | 2.70% | $179 |
| 9 months | 3.50% | $261 |
| 12 months | 4.01% | $401 |
| 15 months | 4.06% | $510 |
| 18 months | 4.15% | $629 |
| 24 months | 4.21% | $860 |
| 36 months | 3.70% | $1,152 |
| 36 monthsRate Bump option | 3.49% | $1,084 |
| 48 months | 3.75% | $1,587 |
| 48 monthsRate Bump option | 3.54% | $1,493 |
| 60 months | 3.80% | $2,050 |
| 60 monthsRate Bump option | 3.59% | $1,929 |
Sources (1)
- alliancecu.com/rates.html · captured Oct 16, 2026
Who can join Alliance Credit Union
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