Credit union · Privately insured
ALLIANCE Credit Union Savings Rates
Top CarrotALLIANCE Credit Union’s best savings rate is 0.50% 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 Lubbock, TX, where ALLIANCE Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
ALLIANCE Credit Union
0.50%APY
- Minimum
- —
- Earns on $10,000 a year
- $50
Money Market
Top rate
UMB Bank
3.71%APY
- Minimum
- —
- Earns on $10,000 a year
- $371
2nd-highest rate
Cornerstone Capital Bank
3.50%APY
- Minimum
- $50
- Earns on $10,000 a year
- $350
ALLIANCE Credit Union savings score
80
Savings score
Higher than 54% of U.S. banks and credit unions
- $1,000 balance$1,0000.40%
- $10,000 balance$10,0000.50%
- $100,000 balance$100,0003.25%
- QualifiedQualified0.50%
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.
Liquid Asset
3.25%APY
Average balance below $25,000 will earn the current savings rate.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25,000 and upAverage balance below $25,000 will earn the current savings rate.$25,000 and up | 3.25% | — | Average balance below $25,000 will earn the current savings rate. |
Money Market
0.50%APY
Minimum balance of $1,000 required to earn dividends. Tiered rate structure means higher balances pay bigger dividends.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $1,000 – $5,000 | 0.40% | — |
| $5,000 – $25,000 | 0.50% | $50 |
| $25,000 – $50,000 | 0.60% | — |
| $50,000 – $500,000 | 0.70% | — |
| $500,000 – $1,000,000 | 0.75% | — |
| $1,000,000 and up | 1.01% | — |
Share Savings
0.15%APY
Base Share Account represents member-ownership stake in the credit union. Earn dividends on balances over $50.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $50 and up | 0.15% | $15 |
Special-purpose accounts
IRA Shares
0.75%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $250 and up | 0.75% | $75 |
Sources (1)
- alliancecutx.com/rates · captured Oct 16, 2026
Who can join ALLIANCE Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- You are eligible for membership if you live, work, or worship in specified Texas counties.
- You are eligible for membership if you live, work, worship, or attend school within a 10-mile radius of the Polaris or Golden Triangle Branches.
Employers and groups
- Members of the Cornerstone Credit Union Foundation qualify for membership.
- Members of the Friends of the Lubbock Library qualify for membership.
Family and household
- You are eligible for membership if your spouse or any immediate family members live, work, or worship in specified Texas counties.
Cost to join
- A $5 minimum deposit is required to open a share (savings) account.
Membership information collected October 5, 2026.