Credit union · NCUA insured
Alliance Credit Union Savings Rates
Top CarrotAlliance Credit Union’s best savings rate is 2.20% APY on $10,000, with its Money Market. Rates checked October 16, 2026.
How Alliance Credit Union’s savings 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
2.20%APY
- Requires
- None
- Minimum
- $10,000
- Earns on $10,000 a year
- $220
Money Market
Top rate
JM Associates FCU
5.12%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $512
2nd-highest rate
Citizens Bank
4.50%APY
- Requires
- Another account
- Minimum
- —
- Earns on $10,000 a year
- $450
Alliance Credit Union savings score
89
Savings score
Higher than 86% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0002.20%
- $100,000 balance$100,0003.00%
- QualifiedQualified2.20%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Money Market
2.20%APY
Tied to Fed Funds. Offers six withdrawals or transfers during any statement period. If balance falls below $10,000, interest is not earned that month. Interest rate paid on entire balance.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $10,000 – $24,999Interest paid on entire balance. If balance falls below $10,000, no interest is earned that month. | 2.20% | $220 | Interest paid on entire balance. If balance falls below $10,000, no interest is earned that month. |
| $25,000 – $49,999Interest paid on entire balance. | 2.40% | — | Interest paid on entire balance. |
| $50,000 – $74,999Interest paid on entire balance. | 2.60% | — | Interest paid on entire balance. |
| $75,000 – $99,999Interest paid on entire balance. | 2.80% | — | Interest paid on entire balance. |
| $100,000 and upInterest paid on entire balance. | 3.00% | — | Interest paid on entire balance. |
Sources (1)
- alliancecu.com/rates.html · captured Sep 17, 2026
Basic Savings Account
0.05%APY
Minimum balance to open is $5, establishing membership. Minimum average daily balance of $100 required to obtain disclosed APY. Interest compounded monthly and credited last day of the month.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $100 – $1,000 | 0.05% | — |
| $1,000 – $10,000 | 0.05% | $5 |
| $10,000 and up | 0.05% | $5 |
Sources (4)
- alliancecu.com
- alliancecu.com/personal-savings.html
- alliancecu.com/rates.html
- alliancecu.com/basic-savings.html
All captured Sep 17, 2026
Special-purpose accounts
Star Student Savings Club
0.05%APY
Designed for children ages 0-12. First $500 on deposit earns 9.57% interest (10.00% APY). All funds above $500 earn regular savings rate. Earn $1 for every A or B on semester report card (up to $25/year). Deposit $5 to receive a sticker; save $100 (20 stickers) for an additional $5 deposit bonus.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $500Applies to the first $500 on deposit. | 10.00% | — | Applies to the first $500 on deposit. |
| $500 and upApplies to all funds above $500 on deposit (earns regular savings rate). | 0.05% | $5 | Applies to all funds above $500 on deposit (earns regular savings rate). |
Sources (2)
All captured Sep 17, 2026
Advisors Choice IRA Account
0.35%APY
Available for Traditional IRA, Roth IRA, and Coverdell ESA. No annual or maintenance fees. Interest compounded daily and credited on the last day of the month. Rate will not be lower than disclosed rates for the current month.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $100 – $5,000 | 0.25% | — |
| $5,000 – $25,000 | 0.35% | $35 |
| $25,000 – $50,000 | 0.45% | — |
| $50,000 – $75,000 | 0.55% | — |
| $75,000 – $100,000 | 0.65% | — |
| $100,000 and up | 0.75% | — |
Holiday Club Savings Account
0.05%APY
Account begins earning interest once average daily balance for the month reaches $100. One withdrawal allowed per month without penalty or fee. Interest rates are the same as regular savings account.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $100 – $1,000 | 0.05% | — |
| $1,000 – $10,000 | 0.05% | $5 |
| $10,000 and up | 0.05% | $5 |
Sources (2)
All captured Sep 17, 2026
Vacation Club Savings Account
0.05%APY
Account begins earning interest once average daily balance for the month reaches $100. One withdrawal allowed per month without penalty or fee. Interest rates are the same as regular savings account.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $100 – $1,000 | 0.05% | — |
| $1,000 – $10,000 | 0.05% | $5 |
| $10,000 and up | 0.05% | $5 |
Sources (2)
All captured Sep 17, 2026
Closed to new customers
Daily Investment Fund (Product Discontinued)
0.05%APY
Product Discontinued. Limited check writing abilities (up to three during any statement period). Interest rate paid on entire balance.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 – $10,000Interest paid on entire balance. | 0.05% | $5 | Interest paid on entire balance. |
| $10,000 – $25,000Interest paid on entire balance. | 0.05% | $5 | Interest paid on entire balance. |
| $25,000 – $50,000Interest paid on entire balance. | 0.10% | — | Interest paid on entire balance. |
| $50,000 – $75,000Interest paid on entire balance. | 0.13% | — | Interest paid on entire balance. |
| $75,000 – $100,000Interest paid on entire balance. | 0.16% | — | Interest paid on entire balance. |
| $100,000 and upInterest paid on entire balance. | 0.20% | — | Interest paid on entire balance. |
Sources (1)
- alliancecu.com/rates.html · captured Sep 17, 2026
Who can join Alliance Credit Union
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