Credit union · NCUA insured
First Alliance Credit Union CD Rates
First Alliance Credit Union’s best CD rate is 4.25% APY on an 18-month share certificate (CD). Terms run from 6 months to 10 years. Rates checked October 16, 2026.
How First Alliance Credit Union’s CD rates compare
Compared with banks and credit unions near Rochester, MN, where First Alliance Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
First Alliance Credit Union
4.00%APY
- Term
- 9 months
- Minimum
- $500
- Earns on $10,000
- $299
Certificate of Deposit
Top rate
Altra Federal Credit Union
4.75%APY
- Term
- 30 months
- Minimum
- $1,000
- Earns on $10,000
- $1,230
2nd-highest rate
Blaze Credit Union
4.60%APY
- Term
- 72 months
- Minimum
- $10,000
- Earns on $10,000
- $3,098
First Alliance Credit Union CD score
87
CD score
Higher than 77% of U.S. banks and credit unions
- 3–8 months3–8 mo3.70%
- 9–15 months9–15 mo4.00%
- 16–30 months16–30 mo4.00%
- 31–60 months31–60 mo3.80%
- QualifiedQualified4.00%
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 First 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.
Certificate of Deposit
Up to 4.00%APY · 11 terms
Fixed interest rate for the CD term. Minimum deposit is $500.00. No monthly service fees or charges. Auto-renewal options are available. Early withdrawal penalties may apply.
| Term | APY · $500 and up | APY · $500 – $100,000 | APY · $100,000 – $250,000 | APY · $250,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|
| 6 months | — | 3.70% | 3.85% | 3.95% | 3.70%3.85% $100k–$250k3.95% from $250k | $183 |
| 9 monthsAvailable for a limited time only. Add more money at anytime and no early withdrawal fee. Auto-renews to 12-month CD at eligible tiered rate upon maturity | 4.00% | — | — | — | 4.00% | $299 |
| 12 months | — | 3.80% | 3.95% | 4.05% | 3.80%3.95% $100k–$250k4.05% from $250k | $380 |
| 18 months | — | 4.00% | 4.15% | 4.25% | 4.00%4.15% $100k–$250k4.25% from $250k | $606 |
| 24 months | — | 3.80% | 3.95% | 4.05% | 3.80%3.95% $100k–$250k4.05% from $250k | $774 |
| 30 months | — | 3.80% | 3.95% | 4.05% | 3.80%3.95% $100k–$250k4.05% from $250k | $977 |
| 36 months | — | 3.80% | 3.95% | 4.05% | 3.80%3.95% $100k–$250k4.05% from $250k | $1,184 |
| 48 months | — | 3.80% | 3.95% | 4.05% | 3.80%3.95% $100k–$250k4.05% from $250k | $1,609 |
| 60 months | — | 3.80% | 3.95% | 4.05% | 3.80%3.95% $100k–$250k4.05% from $250k | $2,050 |
| 84 months | — | 3.90% | 4.05% | 4.15% | 3.90%4.05% $100k–$250k4.15% from $250k | $3,071 |
| 120 months | — | 4.00% | 4.15% | 4.25% | 4.00%4.15% $100k–$250k4.25% from $250k | $4,802 |
Sources (1)
- firstalliancecu.com/certificate-of-deposit · captured Oct 16, 2026
Special-purpose accounts
IRA Certificate of Deposit
Up to 4.00%APY · 10 terms
Opening requires a minimum initial deposit of $500.00. Early withdrawal penalties may apply. Consult your tax adviser.
| Term | APY · $500 – $100,000 | APY · $100,000 – $250,000 | APY · $250,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 6 months | — | 3.85% | 3.95% | —3.85% $100k–$250k3.95% from $250k | — |
| 12 months | 3.80% | 3.95% | 4.05% | 3.80%3.95% $100k–$250k4.05% from $250k | $380 |
| 18 months | 4.00% | 4.15% | 4.25% | 4.00%4.15% $100k–$250k4.25% from $250k | $606 |
| 24 months | 3.80% | 3.95% | 4.05% | 3.80%3.95% $100k–$250k4.05% from $250k | $774 |
| 30 months | 3.80% | 3.95% | 4.05% | 3.80%3.95% $100k–$250k4.05% from $250k | $977 |
| 36 months | 3.80% | 3.95% | 4.05% | 3.80%3.95% $100k–$250k4.05% from $250k | $1,184 |
| 48 months | 3.80% | 3.95% | 4.05% | 3.80%3.95% $100k–$250k4.05% from $250k | $1,609 |
| 60 months | 3.80% | 3.95% | 4.05% | 3.80%3.95% $100k–$250k4.05% from $250k | $2,050 |
| 84 months | 3.90% | 4.05% | 4.15% | 3.90%4.05% $100k–$250k4.15% from $250k | $3,071 |
| 120 months | 4.00% | 4.15% | 4.25% | 4.00%4.15% $100k–$250k4.25% from $250k | $4,802 |
Sources (1)
- firstalliancecu.com/certificate-of-deposit · captured Oct 16, 2026
Who can join First 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
- Open to anyone who lives, works, does regular business, worships, attends school, or owns a business/entity in 14 southeast Minnesota counties.
Family and household
- Family members of existing members are eligible to join regardless of where they reside.
Other ways
- Open to those who donate a minimum of $10 to the First Alliance Credit Union Foundation.
Cost to join
- A share deposit of $5 is required to open an account.
Membership information collected October 4, 2026.