Alton Municipal Employees Credit Union

Alton, Illinois
Last verified: August 4, 2026
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Verified rate book

Current Alton Municipal Employees Credit Union rates

47 published offers verified as of August 4, 2026.

How we verify rates

Mortgage rates

6 offers
Alton Municipal Employees Credit Union mortgage rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
30-Year Fixed30 year fixed6.452% APR6.250%—Standard
15-Year Fixed15 year fixed5.960% APR5.625%—Standard
10-Year Fixed10 year fixed5.960% APR5.500%—Standard
20-Year Fixed20 year fixed6.010% APR5.750%—Standard
7 Year Balloonother5.879% APR5.500%—Standard
25 Year Fixedother6.224% APR6.000%—Standard

Auto & vehicle rates

9 offers
Alton Municipal Employees Credit Union auto & vehicle rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Auto Loan (2019 and Newer)auto4.740% APR4.740%—Standard
Auto Loan (2015–2018)auto6.590% APR6.590%—Standard
Less than $15,000auto_any_60mo7.000% APR7.000%60 moStandard
Motorsport Loans (2012 - 2018)auto7.890% APR7.890%—Standard
$14,999 & Belowauto_any_84mo7.990% APR7.990%84 moStandard
Motorsport Loans (2011 & Older)auto_used8.090% APR8.090%usedStandard
Auto Loan (2011–2014)auto8.140% APR8.140%—Standard
Motorsport Loans (2019 & Newer)auto8.290% APR8.290%—Standard
Used Auto Loan (2010 and Older)auto_used8.690% APR8.690%usedStandard

HELOC rates

3 offers
Alton Municipal Employees Credit Union heloc rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
7 Year or less Closed Endheloc6.250% APR6.250%—Standard
10 Year Closed Endheloc7.175% APR7.175%—Standard
15 Year Closed Endheloc7.250% APR7.250%—Standard

Personal loan rates

3 offers
Alton Municipal Employees Credit Union personal loan rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Personal Loan - Closed Endpersonal_unsecured8.900% APR8.900%—Standard
Freedom Line - Open Endpersonal8.900% APR8.900%—Standard
Quick Cash Loanpersonal24.990% APR24.990%—Standard

Credit card rates

2 offers
Alton Municipal Employees Credit Union credit card rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Share Secured Credit Cardcredit_card_secured9.900% APR9.900%—Standard
Revity CU Rewards Mastercardcredit_card_rewards9.900% APR9.900%—Standard

Savings & CD rates

24 offers
Alton Municipal Employees Credit Union savings & cd rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Christmas Clubsavings0.05% APY0.05%—Specialty offer
Member Savingssavings0.05% APY0.05%—Standard
Member Savingssavings0.10% APY0.10%—Standard
Prime Time Clubsavings0.15% APY0.15%—Standard
Simply MORE! Checking*savings0.25% APY0.25%—Standard
Individual Retirement Account (IRA)ira0.55% APY0.55%—Standard
Individual Retirement Account (IRA)ira0.70% APY0.70%—Standard
Individual Retirement Account (IRA)ira0.80% APY0.80%—Standard
Individual Retirement Account (IRA)ira1.75% APY1.75%—Standard
6-Month Certificateshare_certificate_6mo1.75% APY1.75%6 moStandard
$2,500 - $24,999.99savings1.80% APY1.80%—Standard
$25,000 - $49,999.99savings1.85% APY1.85%—Standard
$50,000 - $74,999.99savings1.90% APY1.90%—Standard
$75,000 - $99,999.99savings1.95% APY1.95%—Standard
$100,000 Or Moresavings2.00% APY2.00%—Standard
12-Month Certificateshare_certificate_12mo2.60% APY2.60%12 moStandard
18-Month Certificateshare_certificate_18mo2.65% APY2.65%18 moStandard
24-Month Certificateshare_certificate_24mo2.75% APY2.75%24 moStandard
$150,000.00 Or More*savings2.75% APY2.75%—Standard
36-Month Certificateshare_certificate_36mo2.80% APY2.80%36 moStandard
48-Month Certificateshare_certificate_48mo2.90% APY2.90%48 moStandard
60-Month Certificateshare_certificate_60mo3.05% APY3.05%60 moStandard
11-Month Certificateshare_certificate_11mo3.50% APY3.50%11 moStandard
7-Month Certificateshare_certificate_7mo3.85% APY3.85%7 moStandard

As of August 4, 2026, Alton Municipal Employees Credit Union offers a 30-year fixed mortgage at 6.452% APR. Auto loans available from 4.74% APR. HELOC rates from 6.25% APR. Personal loan rates from 8.9% APR. Credit card rates from 9.9% APR. Savings and certificate yields up to 3.85% APY.

Source: RateAPI.dev, verified from Alton Municipal Employees Credit Union's official website

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About Alton Municipal Employees Credit Union

Institution facts reported to the National Credit Union Administration for Invalid Date.

Members
266
Assets
$458.1K
Founded
1955
Locations reported
1
NCUA charter
10308
Charter type
Federal credit union

Source: NCUA quarterly call report. Services are institution-reported; confirm availability with the credit union.

Other credit unions with branches nearby

Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby.

1st MidamericaCollege Office · Alton · IL · 62002Branch in the same ZIPAltonized CommunityALTONIZED COMMUNITY FEDERAL CREDIT UNION · ALTON · IL · 62002-5916Branch in the same ZIPRevityAlton Branch · Alton · IL · 62002Branch in the same ZIPState Employees Community4500 College Avenue · Alton · IL · 62002-5013Branch in the same ZIPB.e.a.BEA Credit Union · Bethalto · IL · 62010About 4.9 miles awayCitizens Equity FirstGodfrey Member Center · Godfrey · IL · 62035About 5.9 miles away

Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance.

Who Can Join Alton Municipal Employees Credit Union

Membership eligibility from Alton Municipal Employees Credit Union's own published criteria. How we verify this.

Community charter: live/work in Sangamon, Logan, Macon +15 more

  • LocationSangamon, Logan, Macon, Marion, Jefferson, Perry, Jackson, Williamson, Jersey, Macoupin, Montgomery, Madison, Bond, Clinton, St. Clair, Monroe, Washington, Randolph

Verified from Alton Municipal Employees Credit Union's membership page. Final membership determination is always made by the credit union.

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Frequently Asked Questions

What rates does Alton Municipal Employees Credit Union offer?

Alton Municipal Employees Credit Union currently offers mortgage, Auto loan, HELOC, personal loan, and credit card rates. The rates shown on this page were last verified August 4, 2026 directly from the credit union's official website.

How often are Alton Municipal Employees Credit Union rates updated?

RateAPI verifies Alton Municipal Employees Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified August 4, 2026.

Where does RateAPI get Alton Municipal Employees Credit Union's rate data?

Rate data is collected directly from Alton Municipal Employees Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.

What is Alton Municipal Employees Credit Union's mortgage rate?

As of August 4, 2026, Alton Municipal Employees Credit Union offers a 30-year fixed mortgage at 6.452% APR.

What are Alton Municipal Employees Credit Union's auto loan rates?

As of August 4, 2026, Alton Municipal Employees Credit Union offers auto loans from 4.74% APR.

What is Alton Municipal Employees Credit Union's HELOC rate?

As of August 4, 2026, Alton Municipal Employees Credit Union offers home equity lines of credit from 6.25% APR.

What is Alton Municipal Employees Credit Union's personal loan rate?

As of August 4, 2026, Alton Municipal Employees Credit Union offers personal loans from 8.9% APR.

What is Alton Municipal Employees Credit Union's best CD rate?

As of August 4, 2026, Alton Municipal Employees Credit Union offers savings and certificate (CD) yields up to 3.85% APY.

Related Rate Data

Compare Alton Municipal Employees Credit Union's rates against national credit-union benchmarks.

More Illinois credit unionsMortgage rate benchmarkAuto loan rate benchmarkHELOC ratesPersonal loan ratesCredit card ratesHow we verify rates

Source Information

Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.

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Methodology

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