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ALTON MUNICIPAL EMPLOYEES

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ALTON MUNICIPAL EMPLOYEES Rates & Review August 2026

Q: Is a member application needed to join ALTON MUNICIPAL EMPLOYEES?

Yes, to access services at ALTON MUNICIPAL EMPLOYEES, 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, ALTON MUNICIPAL EMPLOYEES provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: August 30, 2026

ALTON MUNICIPAL EMPLOYEES rates are not currently in our database, but you can compare rates from other banks and credit unions we track: 12-month share certificate rates are currently at 2.89%, 6-month share certificate rates at 2.75% and 3-month share certificate rates at 2.65%. Savings rates are at 0.84% and money market rates are at 1.17%. Mortgage rates on 30-year fixed loans are around 6.69%. These rates come from our rate database, not ALTON MUNICIPAL EMPLOYEES, and you can see how they compare in the ALTON MUNICIPAL EMPLOYEES rate tables below. MonitorBankRates evaluates the financial stability of ALTON MUNICIPAL EMPLOYEES with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.00%. Database rates last updated and verified on 08/30/2026.

ALTON MUNICIPAL EMPLOYEES 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 ALTON MUNICIPAL EMPLOYEES? Share your experience about ALTON MUNICIPAL EMPLOYEES by leaving a review below, or read customer reviews before you decide to use ALTON MUNICIPAL EMPLOYEES.

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.00%

Perfect Lower than avg

ALTON MUNICIPAL EMPLOYEES
Alton municipal employees fcu

3212 College Ave
Alton, IL 62002 4750

Current Rate Availability

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Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for ALTON MUNICIPAL EMPLOYEES 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 ALTON MUNICIPAL EMPLOYEES 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 ALTON MUNICIPAL EMPLOYEES's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name ALTON MUNICIPAL EMPLOYEES

Website N/A

Address 3212 College Ave, Alton, IL 62002 4750

Phone 618-462-8771

Fax 618-465-0517

President Bradley Sweetman

CEO Christopher Bradley

Full-Time Employees 0

Part-Time Employees 2

Branch Locations 1

ATM Locations 0

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (100/100)

Texas Ratio

0.00%

Return on Assets (ROA)

-0.6258%

Return on Equity (ROE)

-1.7239%

Non-Performing Loans Ratio (NPL)

0.00%

Total Assets

472,489

Total Amount of Shares and Deposits

297,463

Total Shares and Deposits < 1 Year

297,464

Total Insured Shares and Deposits > $250K (item 17 less item K)

297,463

Total Interest Expense (Sum of items 6 8)

559

Number of Accounts for Regular Shares

243

Net Income (unless the amount is already included in Undivided Earnings)

-2,957

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)

123,270

Total Liabilities

300,957

Source: NCUA — Last Updated 09/30/2025

Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About ALTON MUNICIPAL EMPLOYEES

How many branches does ALTON MUNICIPAL EMPLOYEES operate?

ALTON MUNICIPAL EMPLOYEES 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 ALTON MUNICIPAL EMPLOYEES?

Yes, to access services at ALTON MUNICIPAL EMPLOYEES, 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, ALTON MUNICIPAL EMPLOYEES 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, ALTON MUNICIPAL EMPLOYEES provides members with tools to manage their accounts and build a solid financial history.

Does ALTON MUNICIPAL EMPLOYEES offer online and mobile banking?

Most modern institutions like ALTON MUNICIPAL EMPLOYEES provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online.