Credit union · Privately insured
MembersAlliance Credit Union CD Rates
Top CarrotMembersAlliance Credit Union’s best CD rate is 3.00% APY on a 1-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How MembersAlliance Credit Union’s CD rates compare
Compared with banks and credit unions near Rockford, IL, where MembersAlliance Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
MembersAlliance Credit Union
3.00%APY
- Term
- 12 months
- Minimum
- $25
- Earns on $10,000
- $300
Save to Win CD
Top rate
Associated Bank
4.40%APY
- Term
- 13 months
- Minimum
- $5,000
- Earns on $10,000
- $478
2nd-highest rate
Cornerstone Credit Union
4.40%APY
- Term
- 24 months
- Minimum
- $1,000
- Earns on $10,000
- $899
MembersAlliance Credit Union CD score
67
CD score
Higher than 19% of U.S. banks and credit unions
- 3–8 months3–8 mo2.00%
- 9–15 months9–15 mo3.00%
- 16–30 months16–30 mo3.00%
- 31–60 months31–60 mo2.80%
- QualifiedQualified3.00%
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 MembersAlliance 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 (CDs)
Up to 3.00%APY · 10 terms
No setup or maintenance fees. Early withdrawals subject to penalty.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsEarly withdrawal penalty: 90 Days | 1.00% | $25 |
| 6 monthsEarly withdrawal penalty: 90 Days | 2.00% | $100 |
| 9 monthsEarly withdrawal penalty: 90 Days | 2.28% | $170 |
| 12 monthsEarly withdrawal penalty: 180 Days | 3.00% | $300 |
| 18 monthsEarly withdrawal penalty: 180 Days | 3.00% | $453 |
| 24 monthsEarly withdrawal penalty: 180 Days | 2.80% | $568 |
| 30 monthsEarly withdrawal penalty: 180 Days | 2.80% | $715 |
| 36 monthsEarly withdrawal penalty: 180 Days | 2.80% | $864 |
| 48 monthsEarly withdrawal penalty: 365 Days | 2.00% | $824 |
| 60 monthsEarly withdrawal penalty: 365 Days | 2.00% | $1,041 |
Sources (2)
- membersalliance.org/accounts/p…ates-of-deposit-cds.html
- membersalliance.org/accounts/p…free-basic-checking.html
All captured Sep 17, 2026
Save to Win
3.00%APY · 1 term
12-month share certificate. Must be 18 years or older. Every $25 deposit earns an entry into prize drawings (up to 100 entries per month, 300 per quarter).
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsEarns monthly dividends. $25 minimum balance required | 3.00% | $300 |
Sources (1)
- membersalliance.org/accounts/p…save-to-win-program.html · captured Sep 17, 2026
Save to Win CD
3.00%APY · 1 term
$25 minimum deposit required. Every $25 deposited counts as entry into monthly and quarterly prize drawings. No monthly service fee. Early withdrawal penalty applies per account terms.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsEvery $25 deposited counts as entry into monthly and quarterly prize drawings | 3.00% | $300 |
Sources (1)
- membersalliance.org/accounts/p…save-to-win-program.html · captured Sep 17, 2026
Special-purpose accounts
IRA Certificate of Deposit (IRA CD)
Up to 3.00%APY · 9 terms
Applies to Traditional and Roth IRA accounts. $500 minimum deposit to open.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsEarly withdrawal penalty: 90 Days. 6 month CD not eligible for Roth and Education IRAs | 2.00% | $100 |
| 9 monthsEarly withdrawal penalty: 90 Days | 2.28% | $170 |
| 12 monthsEarly withdrawal penalty: 180 Days | 3.00% | $300 |
| 18 monthsEarly withdrawal penalty: 180 Days | 3.00% | $453 |
| 24 monthsEarly withdrawal penalty: 180 Days | 2.80% | $568 |
| 30 monthsEarly withdrawal penalty: 180 Days | 2.80% | $715 |
| 36 monthsEarly withdrawal penalty: 180 Days | 2.80% | $864 |
| 48 monthsEarly withdrawal penalty: 365 Days | 2.00% | $824 |
| 60 monthsEarly withdrawal penalty: 365 Days | 2.00% | $1,041 |
Sources (2)
- membersalliance.org/accounts/p…ement-accounts-iras.html
- membersalliance.org/accounts/p…free-basic-checking.html
All captured Sep 17, 2026
Who can join MembersAlliance Credit Union
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.
Membership information collected October 5, 2026.