Credit union · Privately insured
MembersAlliance Credit Union Savings Rates
Top CarrotMembersAlliance Credit Union’s best savings rate is 1.10% APY on $10,000, with its Money Market Accounts. Rates checked October 16, 2026.
How MembersAlliance Credit Union’s savings 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
1.10%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $110
Money Market Accounts
Top rate
UMB Bank
3.71%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $371
2nd-highest rate
Associated Bank
3.20%APY
- Requires
- Another account
- Minimum
- $1,000
- Earns on $10,000 a year
- $320
MembersAlliance Credit Union savings score
86
Savings score
Higher than 72% of U.S. banks and credit unions
- $1,000 balance$1,0000.15%
- $10,000 balance$10,0001.10%
- $100,000 balance$100,0001.60%
- QualifiedQualified1.10%
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 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.
Money Market Accounts
1.10%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $2,500 – $10,000 | 0.95% | — |
| $10,000 – $25,000 | 1.10% | $110 |
| $25,000 – $100,000 | 1.35% | — |
| $100,000 and up | 1.60% | — |
Sources (1)
- membersalliance.org/accounts/p…free-basic-checking.html · captured Sep 17, 2026
Savings Account
0.15%APY
Establishes membership with MembersAlliance CU. Dividends compounded daily.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.15% | $15 |
Special-purpose accounts
Christmas Club
0.15%APY
Save up ahead of time for the holiday season. Dividends compounded daily.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.15% | $15 |
Individual Retirement Accounts (IRAs)
0.15%APY
Save for retirement with tax advantages; Traditional, Roth, and Education IRA options available. Funds can also be used to purchase IRA CDs.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceBase IRA (Primary, Education, Roth). No setup fees, monthly or annual maintenance fees.Any balance | 0.15% | $15 | Base IRA (Primary, Education, Roth). No setup fees, monthly or annual maintenance fees. |
Vacation Club
0.15%APY
Save up ahead of time for the vacation season. Dividends compounded daily.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.15% | $15 |
Youth Accounts
0.15%APY
For ages 0-17. Joint savings account that automatically transitions to an adult membership at age 18. Gives access to Smart Saver Program (ages 5-17).
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.15% | $15 |
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.