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Alliance Credit Union Fenton, MO Rates & Review October 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
|✓Fact Checked|Rates Last Updated and Verified: October 13, 2026
Alliance Credit Union Fenton, MO's top rates as of October 13, 2026 are 4.21% APY on its CD of Deposit - 24 month, 10.00% APY on savings, 3.00% APY on money market accounts, 4.00% APY on checking, 6.00% on its Adjustable Rate Mortgage (ARM) Loan - 3/1 ARM, and personal loans from 9.99% APR, according to rates verified by MonitorBankRates. Other Alliance Credit Union Fenton, MO CD rates include CD of Deposit - 18 month at 4.15%, CD of Deposit - 15 month at 4.06%, and CD of Deposit - 12 month at 4.01%. Other Alliance Credit Union Fenton, MO mortgage rates include Adjustable Rate Mortgage (ARM) Loan - 3/3 ARM at 6.25%, Fixed-Rate Home Loans - 10-Year Fixed at 6.25%, and Adjustable Rate Mortgage (ARM) Loan - 5/1 ARM at 6.50%. MonitorBankRates evaluates the financial stability of Alliance Credit Union Fenton, MO with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.70%. Rates last updated and verified on 10/13/2026.
Alliance Credit Union Fenton, MO money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Alliance Credit Union Fenton, MO? Share your experience about Alliance Credit Union Fenton, MO by leaving a review below, or read customer reviews before you decide to use Alliance Credit Union Fenton, MO.
Alliance Credit Union Fenton, MO has earned an overall safety grade of A+ (Exceptional, Score: 98/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective NCUA regulatory data.
MonitorBankRates Rating
?
5.0
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
Alliance Credit Union Fenton, MO has earned a Star Rating of 5.0 out of 5 stars (Exceptional).
Our proprietary rating system evaluates financial stability including the Texas Ratio and capitalization and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
?
4.70%
ExcellentLower than avg
Alliance Credit Union Fenton, MO Texas Ratio
Alliance Credit Union Fenton, MO's Texas Ratio is 4.70%, which is considered excellent and is lower than the national average of 6.13%.
Alliance Credit Union Fenton, MO has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
4.91% to 4.70% over 12 quarters, very strongFull history
Star Rating 5.0 to 5.0, Health Grade A+ to A+
The Texas Ratio for this credit union has stayed very strong since Q3 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.
Alliance Credit Union Fenton, MO CD Rates
Product
Rate
APY
Term
View More
Certificate of Deposit - 24 month
4.15%
4.21%
24 Months
Min Deposit$1,000
Last Updated10/13/2026
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.21% ▲ 0.21 pts · high 4.21% / low 4.00%
Oct 13, 20264.21%▲ from 4.00%
Sep 14, 20264.00%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.70%
Certificate of Deposit - 18 month
4.09%
4.15%
18 Months
Min Deposit$1,000
Last Updated10/13/2026
Rate History
1 change since Sep 14, 2026 · 3.95% → 4.15% ▲ 0.20 pts · high 4.15% / low 3.95%
Oct 13, 20264.15%▲ from 3.95%
Sep 14, 20263.95%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.70%
Certificate of Deposit - 15 month
4.00%
4.06%
15 Months
Min Deposit$1,000
Last Updated10/13/2026
Rate History
1 change since Sep 14, 2026 · 3.92% → 4.06% ▲ 0.14 pts · high 4.06% / low 3.92%
Oct 13, 20264.06%▲ from 3.92%
Sep 14, 20263.92%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.70%
Certificate of Deposit - 12 month
3.96%
4.01%
12 Months
Min Deposit$1,000
Last Updated10/13/2026
Rate History
1 change since Sep 14, 2026 · 3.90% → 4.01% ▲ 0.11 pts · high 4.01% / low 3.90%
Oct 13, 20264.01%▲ from 3.90%
Sep 14, 20263.90%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.70%
Youth Saver 12-Month CD
3.85%
3.90%
12 Months
Min Deposit$250
DetailsAges: 0-19
Last Updated10/13/2026
Rate History
No change since Oct 9, 2026 · 3.90% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.70%
Certificate of Deposit - 60 month
3.75%
3.80%
60 Months
Min Deposit$1,000
Last Updated10/13/2026
Rate History
1 change since Sep 14, 2026 · 3.70% → 3.80% ▲ 0.10 pts · high 3.80% / low 3.70%
Oct 13, 20263.80%▲ from 3.70%
Sep 14, 20263.70%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.70%
Certificate of Deposit - 48 month
3.70%
3.75%
48 Months
Min Deposit$1,000
Last Updated10/13/2026
Rate History
1 change since Sep 14, 2026 · 3.65% → 3.75% ▲ 0.10 pts · high 3.75% / low 3.65%
Oct 13, 20263.75%▲ from 3.65%
Sep 14, 20263.65%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.70%
Certificate of Deposit - 36 month
3.65%
3.70%
36 Months
Min Deposit$0
Last Updated10/13/2026
Rate History
1 change since Sep 14, 2026 · 3.55% → 3.70% ▲ 0.15 pts · high 3.70% / low 3.55%
Oct 13, 20263.70%▲ from 3.55%
Sep 14, 20263.55%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.70%
Certificate of Deposit - 9 month
3.46%
3.50%
9 Months
Min Deposit$1,000
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.70%
Certificate of Deposit - 8 month
2.68%
2.70%
8 Months
Min Deposit$1,000
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 2.70% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.70%
Certificate of Deposit - 7 month
2.53%
2.55%
7 Months
Min Deposit$1,000
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 2.55% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.70%
Certificate of Deposit - 6 month
2.48%
2.50%
6 Months
Min Deposit$1,000
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.70%
Certificate of Deposit - 3 month
2.14%
2.15%
3 Months
Min Deposit$1,000
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 2.15% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.70%
Alliance Credit Union Fenton, MO Savings Rates
Product
Rate
APY
View More
Star Student Savings Club
9.57%
10.00%
Min Deposit$5
Min Balance$100
DetailsAges: 0-12; Balance: $0.00 - $500.00; Rate of 9.57% gives 10.00% APY on the first $500; funds above $500 earn the regular savings rate; $1 for each A or B on semester report card; maximum payout $25/year per youth account; open at any branch
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 10.00% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.70%
Basic Savings
0.05%
0.05%
Min Balance$100
DetailsBalance: $100 - $1,000
Last Updated10/13/2026
Rate History
No change since Sep 18, 2026 · 0.05% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.70%
Basic Savings
0.05%
0.05%
Min Balance$1,000
DetailsBalance: $1,000 - $10,000
Last Updated10/13/2026
Rate History
No change since Sep 18, 2026 · 0.05% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.70%
Basic Savings
0.05%
0.05%
Min Balance$10,000
DetailsBalance: $10,000+
Last Updated10/13/2026
Rate History
No change since Sep 18, 2026 · 0.05% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.70%
Alliance Credit Union Fenton, MO Money Market Rates
Product
Rate
APY
View More
Money Market
2.96%
3.00%
Min Deposit$10,000
Min Balance$10,000
DetailsBalance: $100,000+; Tied to Fed Funds; six withdrawals or transfers per statement period
Last Updated10/13/2026
Rate History
1 change since Sep 14, 2026 · 2.20% → 3.00% ▲ 0.80 pts · high 3.00% / low 2.20%
Oct 13, 20263.00%▲ from 2.20%
Sep 14, 20262.20%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.70%
Money Market
2.77%
2.80%
Min Deposit$10,000
Min Balance$10,000
DetailsBalance: $75,000 - $99,999; Tied to Fed Funds; six withdrawals or transfers per statement period
Last Updated10/13/2026
Rate History
1 change since Sep 14, 2026 · 2.20% → 2.80% ▲ 0.60 pts · high 2.80% / low 2.20%
Oct 13, 20262.80%▲ from 2.20%
Sep 14, 20262.20%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.70%
Money Market
2.57%
2.60%
Min Deposit$10,000
Min Balance$10,000
DetailsBalance: $50,000 - $74,999; Tied to Fed Funds; six withdrawals or transfers per statement period
Last Updated10/13/2026
Rate History
1 change since Sep 14, 2026 · 2.20% → 2.60% ▲ 0.40 pts · high 2.60% / low 2.20%
Oct 13, 20262.60%▲ from 2.20%
Sep 14, 20262.20%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.70%
Money Market
2.38%
2.40%
Min Deposit$10,000
Min Balance$10,000
DetailsBalance: $25,000 - $49,999; Tied to Fed Funds; six withdrawals or transfers per statement period
Last Updated10/13/2026
Rate History
1 change since Sep 14, 2026 · 2.20% → 2.40% ▲ 0.20 pts · high 2.40% / low 2.20%
Oct 13, 20262.40%▲ from 2.20%
Sep 14, 20262.20%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.70%
Money Market
2.18%
2.20%
Min Deposit$10,000
Min Balance$10,000
DetailsBalance: $10,000 - $24,999; Tied to Fed Funds; six withdrawals or transfers per statement period
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 2.20% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.70%
Alliance Credit Union Fenton, MO Checking Rates
Product
Rate
APY
View More
Best Interest Checking
-
4.00%
Min Balance$0
DetailsQualifying balance up to $10,000.00
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.70%
Alliance Credit Union Fenton, MO Mortgage Rates
Product
Rate
Points
APR
Term
View More
Adjustable Rate Mortgage (ARM) Loan - 3/1 ARM
6.00%
-
6.097%
No additional details.
Last Updated10/13/2026
Rate History
1 change since Sep 14, 2026 · 6.14% → 6.10% ▼ 0.04 pts · high 6.14% / low 6.10%
Oct 9, 20266.10%▼ from 6.14%
Sep 14, 20266.14%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.70%
Adjustable Rate Mortgage (ARM) Loan - 3/3 ARM
6.25%
-
6.347%
No additional details.
Last Updated10/13/2026
Rate History
1 change since Sep 14, 2026 · 6.39% → 6.35% ▼ 0.04 pts · high 6.39% / low 6.35%
Oct 9, 20266.35%▼ from 6.39%
Sep 14, 20266.39%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.70%
Fixed-Rate Home Loans - 10-Year Fixed
6.25%
-
6.463%
10-Year
No additional details.
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 6.46% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.70%
Adjustable Rate Mortgage (ARM) Loan - 5/1 ARM
6.50%
-
6.597%
No additional details.
Last Updated10/13/2026
Rate History
1 change since Sep 14, 2026 · 6.39% → 6.60% ▲ 0.21 pts · high 6.60% / low 6.39%
Oct 9, 20266.60%▲ from 6.39%
Sep 14, 20266.39%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.70%
Fixed-Rate Home Loans - 15-Year Fixed
6.50%
-
6.652%
15-Year
No additional details.
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 6.65% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.70%
Adjustable Rate Mortgage (ARM) Loan - 7/1 ARM
6.75%
-
6.847%
No additional details.
Last Updated10/13/2026
Rate History
1 change since Sep 14, 2026 · 6.51% → 6.85% ▲ 0.33 pts · high 6.85% / low 6.51%
Oct 9, 20266.85%▲ from 6.51%
Sep 14, 20266.51%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.70%
Adjustable Rate Mortgage (ARM) Loan - 10/1 ARM
7.00%
-
7.097%
No additional details.
Last Updated10/13/2026
Rate History
1 change since Sep 14, 2026 · 6.64% → 7.10% ▲ 0.46 pts · high 7.10% / low 6.64%
Oct 9, 20267.10%▲ from 6.64%
Sep 14, 20266.64%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.70%
Fixed-Rate Home Loans - 20-Year Fixed
7.00%
-
7.124%
20-Year
No additional details.
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 7.12% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.70%
Fixed-Rate Home Loans - 30-Year Fixed
7.25%
-
7.347%
30-Year
No additional details.
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 7.35% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.70%
Alliance Credit Union Fenton, MO Home Equity & HELOC
Product
Rate
Points
APR
Term
View More
Adjustable-Rate HELOC
7.00%
-
7.00%
DetailsHome Equity Lines of Credit (HELOC); APR based on $125,000 loan amount, 80% LTV
Last Updated10/13/2026
Rate History
1 change since Sep 14, 2026 · 6.75% → 7.00% ▲ 0.25 pts · high 7.00% / low 6.75%
Oct 9, 20267.00%▲ from 6.75%
Sep 14, 20266.75%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.70%
10-year Fixed-Rate Home Equity
7.25%
-
7.25%
10-year
No additional details.
Last Updated10/13/2026
Rate History
2 changes since Sep 14, 2026 · 6.50% → 7.25% ▲ 0.75 pts · high 7.25% / low 6.50%
Oct 9, 20267.25%▲ from 7.00%
Sep 18, 20267.00%▲ from 6.50%
Sep 14, 20266.50%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.70%
15-year Fixed-Rate Home Equity
7.50%
-
7.50%
15-year
No additional details.
Last Updated10/13/2026
Rate History
2 changes since Sep 14, 2026 · 6.75% → 7.50% ▲ 0.75 pts · high 7.50% / low 6.75%
Oct 9, 20267.50%▲ from 7.25%
Sep 18, 20267.25%▲ from 6.75%
Sep 14, 20266.75%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.70%
Alliance Credit Union Fenton, MO Auto Loan Rates
Product
Rate
Points
APR
Term
View More
Used Vehicle Loan
-
-
4.74%
1-36 Months
DetailsAs Low As; Vehicle Loan Rates; Alliance will finance up to 100% NADA Retail Value; 10 years and older have different rates, terms, and conditions
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 4.74% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.70%
Used Vehicle Loan
-
-
4.99%
37-48 Months
DetailsAs Low As; Vehicle Loan Rates; Alliance will finance up to 100% NADA Retail Value; 10 years and older have different rates, terms, and conditions
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 4.99% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.70%
Used Vehicle Loan
-
-
5.24%
49-60 Months
DetailsAs Low As; Vehicle Loan Rates; Alliance will finance up to 100% NADA Retail Value; 10 years and older have different rates, terms, and conditions
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 5.24% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.70%
Used Vehicle Loan
-
-
5.64%
61-72 Months
DetailsAs Low As; Vehicle Loan Rates; Alliance will finance up to 100% NADA Retail Value; 10 years and older have different rates, terms, and conditions
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 5.64% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.70%
Used Vehicle Loan
-
-
6.49%
73-84 Months
DetailsAs Low As; Vehicle Loan Rates; Alliance will finance up to 100% NADA Retail Value; 10 years and older have different rates, terms, and conditions
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 6.49% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.70%
Classic Car Loan - 60 Months
-
-
7.49%
60 Months
DetailsAs Low As; Used Vehicle APR
Last Updated10/13/2026
Rate History
No change since Oct 9, 2026 · 7.49% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.70%
New RVs and Boat Loan - New Vehicle
-
-
7.75%
1-60 Months
DetailsAs Low As; New Vehicle APR
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 7.75% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.70%
New RVs and Boat Loan - Used Vehicle
-
-
7.75%
1-60 Months
DetailsAs Low As; Used Vehicle APR
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 7.75% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.70%
Classic Car Loan - 72 Months
-
-
7.99%
72 Months
DetailsAs Low As; Used Vehicle APR
Last Updated10/13/2026
Rate History
No change since Oct 9, 2026 · 7.99% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.70%
New RVs and Boat Loan - New Vehicle
-
-
8.75%
61-120 Months
DetailsAs Low As; New Vehicle APR
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 8.75% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.70%
New RVs and Boat Loan - Used Vehicle
-
-
8.75%
61-120 Months
DetailsAs Low As; Used Vehicle APR
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 8.75% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.70%
New RVs and Boat Loan - New Vehicle
-
-
9.75%
121-144 Months
DetailsAs Low As; New Vehicle APR
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 9.75% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.70%
New RVs and Boat Loan - Used Vehicle
-
-
9.75%
121-144 Months
DetailsAs Low As; Used Vehicle APR
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 9.75% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.70%
New RVs and Boat Loan - New Vehicle
-
-
10.75%
145-180 Months
DetailsAs Low As; New Vehicle APR
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 10.75% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.70%
New RVs and Boat Loan - Used Vehicle
-
-
10.75%
145-180 Months
DetailsAs Low As; Used Vehicle APR
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 10.75% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.70%
Alliance Credit Union Fenton, MO RV, Boat and Powersport Loan Rates
Product
Rate
APR
Term
View More
New Motorcycle, ATV & Jet Ski Loan
-
8.00%
1-36 Months
DetailsAs Low As; New Vehicle; Rates subject to change daily. Alliance will finance up to 100% NADA Retail Value. 10 years and older have different rates, terms, and conditions
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 8.00% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.70%
New Motorcycle, ATV & Jet Ski Loan
-
8.25%
37-48 Months
DetailsAs Low As; New Vehicle; Rates subject to change daily. Alliance will finance up to 100% NADA Retail Value. 10 years and older have different rates, terms, and conditions
Last Updated10/13/2026
Rate History
No change since Sep 18, 2026 · 8.25% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.70%
New Motorcycle, ATV & Jet Ski Loan
-
8.25%
49-60 Months
DetailsAs Low As; New Vehicle; Rates subject to change daily. Alliance will finance up to 100% NADA Retail Value. 10 years and older have different rates, terms, and conditions
Last Updated10/13/2026
Rate History
No change since Sep 18, 2026 · 8.25% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.70%
New Motorcycle, ATV & Jet Ski Loan
-
9.00%
61-72 Months
DetailsAs Low As; New Vehicle; Rates subject to change daily. Alliance will finance up to 100% NADA Retail Value. 10 years and older have different rates, terms, and conditions
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 9.00% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.70%
Alliance Credit Union Fenton, MO Personal Loan Rates
Product
APR
Term
View More
Personal Loan
9.99%
Revolving Credit Ter
DetailsTerm: Revolving Credit Terms; As Low As; Up to $25,000 with flexible terms
Last Updated10/13/2026
Rate History
No change since Oct 9, 2026 · 9.99% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.70%
Alliance Credit Union Fenton, MO Other Rates
Product
Rate
Points
APY/APR
Term
View More
Daily Investment Fund (Product Discontinued)
0.05%
-
0.05%
Min Deposit$2,500
Min Balance$2,500
DetailsBalance: $2,500 - $10,000
Last Updated10/13/2026
Rate History
No change since Sep 18, 2026 · 0.05% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.70%
Daily Investment Fund (Product Discontinued)
0.05%
-
0.05%
Min Deposit$2,500
Min Balance$10,000
DetailsBalance: $10,000 - $25,000
Last Updated10/13/2026
Rate History
No change since Sep 18, 2026 · 0.05% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.70%
Daily Investment Fund (Product Discontinued)
0.10%
-
0.10%
Min Deposit$2,500
Min Balance$25,000
DetailsBalance: $25,000 - $50,000
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.70%
Daily Investment Fund (Product Discontinued)
0.13%
-
0.13%
Min Deposit$2,500
Min Balance$50,000
DetailsBalance: $50,000 - $75,000
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 0.13% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.70%
Daily Investment Fund (Product Discontinued)
0.16%
-
0.16%
Min Deposit$2,500
Min Balance$75,000
DetailsBalance: $75,000 - $100,000
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 0.16% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.70%
Daily Investment Fund (Product Discontinued)
0.20%
-
0.20%
Min Deposit$2,500
Min Balance$100,000
DetailsBalance: $100,000+
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 0.20% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.70%
IRA Account
0.25%
-
0.25%
Min Deposit$100
Min Balance$100
DetailsBalance: $100 - $5,000
Last Updated10/13/2026
Rate History
No change since Sep 18, 2026 · 0.25% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.70%
IRA Account
0.35%
-
0.35%
Min Deposit$100
Min Balance$5,000
DetailsBalance: $5,000 - $25,000
Last Updated10/13/2026
Rate History
No change since Sep 18, 2026 · 0.35% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.70%
IRA Account
0.45%
-
0.45%
Min Deposit$100
Min Balance$25,000
DetailsBalance: $25,000 - $50,000
Last Updated10/13/2026
Rate History
No change since Sep 18, 2026 · 0.45% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.70%
IRA Account
0.55%
-
0.55%
Min Deposit$100
Min Balance$50,000
DetailsBalance: $50,000 - $75,000
Last Updated10/13/2026
Rate History
No change since Sep 18, 2026 · 0.55% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.70%
IRA Account
0.65%
-
0.65%
Min Deposit$100
Min Balance$75,000
DetailsBalance: $75,000 - $100,000
Last Updated10/13/2026
Rate History
No change since Sep 18, 2026 · 0.65% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.70%
IRA Account
0.75%
-
0.75%
Min Deposit$100
Min Balance$100,000
DetailsBalance: $100,000+
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 0.75% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.70%
Financial Health History
Alliance Credit Union Fenton, MO’s Texas Ratio stayed near 4.91% in Q3 2023 to 4.70% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.
Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)
How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.
Show the quarterly figures
Quarter
Total assets
Texas Ratio
Star Rating
Health Grade
June 30, 2026
$423M
4.70%
5.0
A+
March 31, 2026
$422M
3.54%
5.0
A+
December 31, 2025
$399M
7.66%
5.0
A
September 30, 2025
$396M
4.05%
5.0
A+
June 30, 2025
$371M
3.40%
5.0
A+
March 31, 2025
$375M
3.81%
5.0
A+
December 31, 2024
$375M
5.05%
5.0
A+
September 30, 2024
$377M
6.25%
5.0
A
June 30, 2024
$381M
6.75%
5.0
A
March 31, 2024
$390M
6.00%
5.0
A
December 31, 2023
$390M
4.75%
5.0
A+
September 30, 2023
$380M
4.91%
5.0
A+
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data Sources
MonitorBankRates Star Rating
Our rating for Alliance Credit Union Fenton, MO is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Alliance Credit Union Fenton, MO rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Alliance Credit Union Fenton, MO's official website for the most current offers and terms.
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
38,125,794
Total Uninsured Shares and Deposits > $250K (F+J)
38,125,794
Total Insured Shares and Deposits > $250K (item 17 less item K)
285,918,611
Total Interest Expense (Sum of items 6 8)
3,679,993
Share Certificates
2,482
Number of Accounts for Share Drafts
11,844
IRA KEOGH Accounts
536
Number of Accounts for Regular Shares
21,447
All other shares
2,188
Money Market Shares
1,215
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
19,723,236
Total Liabilities
375,811,206
Source: NCUA — Last Updated 06/30/2026
Q2 2026 MBR Health & Safety Badge
Alliance Credit Union Fenton, MO earned the Verified Healthy badge
Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.
Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.
Learn more about the MBR Health & Safety Badge program on our methodology page.
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☆☆☆☆☆
Total Reviews
0
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Frequently Asked Questions About Alliance Credit Union Fenton, MO
How many branches does Alliance Credit Union Fenton, MO operate?
Alliance Credit Union Fenton, MO currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.
Is a member application needed to join Alliance Credit Union Fenton, MO?
Yes, to access services at Alliance Credit Union Fenton, MO, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.
Is there a first-time homebuyer program?
Currently, Alliance Credit Union Fenton, MO does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.
Are credit management and repair services offered?
While formal credit repair services are not currently listed, Alliance Credit Union Fenton, MO provides members with tools to manage their accounts and build a solid financial history.
Does Alliance Credit Union Fenton, MO offer online and mobile banking?
Most modern institutions like Alliance Credit Union Fenton, MO provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://alliancecu.com.
Current Alliance Credit Union Fenton, MO Rates
12-Month CD3.90%
18-Month CD4.15%
24-Month CD4.21%
60-Month CD3.80%
Savings10.00%
MMA3.00%
Retrieved from our database of financial products. Rates subject to change.
Brian McKay
