Loan Rates
All loan rates disclosed as Annual Percentage Rate (APR) Rates subject to change. Best rates quoted. We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.
Your rate may vary based on your credit profile and payment election.
New and used vehicle rates below include 0.50% off discount for any new consumer loan with direct deposit.
Adjustable Rate Mortgage (ARM) Loan
Comparison table of Adjustable Rate Mortgage (ARM) Loan
Adjustable Rate Mortgage (ARM) Loan
Rate
APR
Payment Per $1,000
3/1 ARM
6.000%
6.080%
$6.00
5/1 ARM
6.215%
6.205%
$6.08
7/1 ARM
6.250%
6.330%
$6.16
10/1 ARM
6.500%
6.580%
$6.32
3/3 ARM
6.125%
6.205%
$6.08
Fixed-Rate Home Loans
Comparison table of Fixed-Rate Home Loans
Fixed-Rate Home Loans
Rate
APR
Payment Per $1,000
10-Year Fixed
5.500%
5.682%
$10.85
15-Year Fixed
6.125%
6.255%
$8.51
20-Year Fixed
6.375%
6.480%
$7.38
30-Year Fixed
6.500%
6.580%
$6.32
Home Equity Lines of Credit (HELOC)
Comparison table of Home Equity Lines of Credit (HELOC)
Rate
APR
Adjustable-Rate HELOC
7.500%
7.500%
Fixed-Rate Home Equities
Comparison table of Fixed-Rate Home Equities
Fixed-Rate Home Equities
Rate
APR
Payment Per $1,000
10-year Fixed-Rate Home Equity
6.500%
6.500%
$11.35
15-year Fixed-Rate Home Equity
7.125%
7.125%
$9.06
“APR= Annual Percentage Rate. Annual Percentage Rates are subject to change daily. APR is based on $125,000 loan amount 80% Loan to Value with fees of $1,795 including estimated title, credit report, flood, and origination charge of $995. Our NMLS number is 402567.
RATES are based on a $125,000 loan amount, up to 80% Loan to Value, median credit score of 730+ and automatic payment.
Vehicle Loan Rates
Comparison table of Vehicle Loan Rates
Term
New Vehicle APR (as Low as)
Used Vehicle APR (as Low as)
1-36 Months
5.25%
5.75%
37-48 Months
5.49%
5.99%
49-60 Months
5.49%
5.99%
61-72 Months
6.25%
6.49%
73-84 Months
6.75%
6.99%
New Motorcycle, ATV & Jet Ski Loan Rates
Comparison table of New Motorcycle, ATV & Jet Ski Loan Rates
Term
New Vehicle APR (as Low as)
Used Vehicle APR (as Low as)
1-36 Months
8.00%
8.00%
37-48 Months
8.25%
8.25%
49-60 Months
8.25%
8.25%
61-72 Months
9.00%
9.00%
New RVs and Boat Loan Rates
Comparison table of New RVs and Boat Loan Rates
Term
New Vehicle APR (as Low as)
Used Vehicle APR (as Low as)
1-72 Months
7.75%
7.75%
73-120 Months
8.75%
8.75%
121-180 Months
9.75%
9.75%
Classic Car Loan Rates
Comparison table of Classic Car Loan Rates
Used Vehicle APR (as Low as)
60 Months
7.49%
72 Months
7.99%
Personal Line Of Credit Loan Rates
Comparison table of Personal Line Of Credit Loan Rates
Term
APR (as Low as)
Revolving Credit Terms
9.49%
Up to $10,000 with repayment terms up to 60 months
Savings or CD Secured Loan Rates
Comparison table of Savings or CD Secured Loan Rates
APR (as Low as)
Up to 120 Months Based upon Amount Borrowed
3.00%
Pledge your savings or certificate of deposit as security with the following rates and terms!
The rate on your loan will adjust to stay at 3% over the savings rate.
Loan terms may not exceed the CD maturity date but can be amortized for a longer term with a final balloon payment at maturity.
Certificates of Deposit & IRA CDs
Comparison table of Certificates of Deposit & IRA CDs
Certificate Term
Interest Rate
Annual Percentage Yield (APY)th>
Minimum Certificate Deposit Amount
3 Months
2.14%
2.15%
$1,000.00
6 Months
2.48%
2.50%
$1,000.00
7 Months Promo
4.29%
4.35%
$1,000.00
8 Months
2.65%
2.67%
$1,000.00
9 Months
2.75%
2.77%
$1,000.00
12 Months
3.99%
4.05%
$1,000.00
15 Months
3.26%
3.30%
$1,000.00
18 Months
3.51%
3.55%
$1,000.00
24 Months
3.51%
3.55%
$1,000.00
36 Months
3.46%
3.50%
$1,000.00
36 Months Rate Bump
3.26%
3.30%
$1,000.00
48 Months
3.46%
3.50%
$1,000.00
48 Months Rate Bump
3.26%
3.30%
$1,000.00
60 Months
3.46%
3.50%
$1,000.00
60 Months Rate Bump
3.26%
3.30%
$1,000.00
Youth Saver 12-Month CD (ages 0-19)
3.99%
4.05%
$250.00
The interest rate for your account will be paid until the maturity date of your certificate. Interest is compounded quarterly and will be credited quarterly. This account will automatically renew at maturity. You will have ten (10) calendar days from the maturity date to withdraw your funds without being charged a penalty. If any of the deposit is withdrawn before the maturity date, a penalty will be imposed.
IRA Account
Comparison table of IRA Account
If Average Daily Balance for the Month is:
The Interest Rate Paid on the entire balance in your account will be:
With an Annual Percentage Yield of:
$100 – $5,000
0.25%
0.25%
$5,000 – $25,000
0.35%
0.35%
$25,000 – $50,000
0.45%
0.45%
$50,000 – $75,000
0.55%
0.55%
$75,000 – $100,000
0.65%
0.65%
$100,000+
0.75%
0.75%
The minimum balance required to open this account is $100. At our discretion, we may change the interest rate on your account on any day; however, your interest rate will not be lower than the interest rates above for the current month.
Best Interest Checking
Comparison table of Best Interest Checking
If your daily balance is between:
your interest rate will be:
with an APY of:
$0.00 – $10,000
3.85%
4.00%
$10,001 – $100,000+
0.10%
0.10%
Alliance Credit Union has great news for members that want to earn higher interest on their account. Our new Best Interest Checking account will allow you to earn 3.03% APY* monthly on the first $10,000 by meeting four simple criteria that you may already be doing.Here’s Your Monthly Qualifications:• Have at least 10 debt card transactions post and settle • Have at least one direct deposit post and settle • Pay three bills with Bill Pay or recurring ACH, combined per month • Enroll in e-statements • Criteria & rate subject to change at our discretion. Read newsletter for account updates.
Money Market
Comparison table of Money Market
If Average Daily Balance for the month is between:
The Interest Rate Paid on the entire balance in your account will be:
With an Annual Percentage Yield of:
$10,000 – $24,999
2.18%
2.20%
$25,000 – $49,999
2.38%
2.40%
$50,000 – $74,999
2.57%
2.60%
$75,000 – $99,999
2.77%
2.80%
$100,000+
2.96%
3.00%
This high-yielding federally-insured money market account is tied to Fed Funds and offers six withdrawals or transfers during any statement period. The minimum balance required to open this account is $10,000. If your balance falls below $10,000, you will not earn interest that month. At our discretion, we may change the interest rate on your account on any day; however, your interest rate will not be lower than the interest rates above for the current month.
Daily Investment Fund (Product Discontinued)
Comparison table of Daily Investment Fund (Product Discontinued)
If Average Daily Balance for the month is between:
The Interest Rate Paid on the entire balance in your account will be:
With an Annual Percentage Yield of:
$2,500 – $10,000
0.05%
0.05%
$10,000 – $25,000
0.05%
0.05%
$25,000 – $50,000
0.10%
0.10%
$50,000 – $75,000
0.13%
0.13%
$75,000 – $100,000
0.16%
0.16%
$100,000+
0.20%
0.20%
This high-yielding federally-insured money market account offers limited check writing abilities (up to three during any statement period). The minimum balance required to open this account is $2,500. At our discretion, we may change the interest rate on your account on any day; however, your interest rate will not be lower than the interest rates above for the current month.
Basic Savings
Comparison table of Basic Savings
If Average Daily Balance for the Month is:
The Interest Rate Paid on the entire balance in your account will be:
With an Annual Percentage Yield of:
$100 – $1,000
0.05%
0.05%
$1,000 – $10,000
0.05%
0.05%
$10,000+
0.050%
0.050%
The minimum balance required to open this account is $5, the par value of one share, which establishes your membership at Alliance CU.
Holiday / Vacation Club
Interest rates are the same as the SAVINGS ACCOUNT (above). The minimum balance required to open this account is only $5. Members may make one withdrawal from their holiday or vacation club account anytime during any month without incurring a fee.
Federally insured by NCUA
