Credit union · Privately insured
MembersAlliance Credit Union
Top CarrotA $307.2M credit union headquartered in Loves Park, IL, with 22,003 members and 4 branches in Illinois. Best rates: CDs 3.00% and savings 1.10% APY.
MembersAlliance Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 81% of U.S. banks and credit unions
#4 of 23 in Rockford, IL metroHow the score works →
Deposits are privately insured, not by the federal government.
About MembersAlliance Credit Union
Founded in 1938 by Sundstrand employees, MembersAlliance Credit Union is a locally and member-owned financial cooperative serving Winnebago, Boone, and Ogle counties in Illinois.
The credit union focuses on empowering prosperity throughout its community by helping members save more, borrow smarter, and achieve financial stability.
- Headquarters
- 5286 Nimtz Rd, Loves Park, IL 61111
- NCUA charter
- 81402
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone who lives, works, or attends school in Winnebago, Boone, or Ogle county.
Family and household
- Membership is open to individuals who have an immediate family member who is a member.
Cost to join
- Opening a membership requires a $25 deposit into a new savings account.
Branches
4 branches in Illinois
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Illinois
4 branches
- Alpine2550 S Alpine Rd, Rockford, IL 61108Directions
- Olde Creek6951 Olde Creek Rd, Rockford, IL 61114Directions
- West Riverside Branch3902 W Riverside Blvd, Rockford, IL 61101Directions
- Roscoe Branch5110 Rockrose Ct, Roscoe, IL 61073Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 9.38% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.45% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.83% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $78 | $76 | — |
- CapitalNet worth ratio9.38%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.45%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.83%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$78Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of MembersAlliance Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.