Credit union · Privately insured
MembersAlliance Credit Union Credit Card Rates
Top CarrotMembersAlliance Credit Union credit cards start at 8.90% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How MembersAlliance Credit Union’s credit card rates compare
Compared with banks and credit unions near Rockford, IL, where MembersAlliance Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
MembersAlliance Credit Union
8.90%APR
- Up to
- 17.90% APR
Visa Platinum Rewards Card
2nd-lowest rate
Rockford Municipal Employees Credit Union
8.90%APR
- Up to
- —
3rd-lowest rate
Illinois State Credit Union
9.90%APR
- Up to
- —
MembersAlliance Credit Union credit card score
89
Credit card score
Higher than 87% of U.S. banks and credit unions
- Purchase APRPurchase APR8.90%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where MembersAlliance Credit Union ranks
By credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Visa Platinum Rewards Card
Features 25-day grace period for purchases, no annual fee, no balance transfer or cash advance fees, and same rate on cash advances and balance transfers as purchases. $25 late payment fee.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 0.00% | None | 0% intro APR on purchase transactions for the first 6 months that your credit card is open. |
| Ongoing | 8.90%–17.90% | None | Standard ongoing APR for purchases, cash advances, and balance transfers; rate based on creditworthiness and other factors. |
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This may be incomplete or out of date, so check with the credit union before you apply.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.