--- title: "Alton Municipal Employees Credit Union Rates: CDs to 4.05%" description: "Alton Municipal Employees Credit Union rates today: 30 year fixed mortgage 7.60% APR, savings & CDs up to 4.05% APY. Every rate verified daily from the official website — no pay-to-rank. See who can join Alton Municipal Employees Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/illinois/alton-municipal-employees" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Alton Municipal Employees Credit Union Rates: CDs to 4.05% ### Mortgage rates 6 offers | Product | Published | Rate | Term / condition | Status | | **30-Year Fixed** 30 year fixed | 7.596% APR | 7.375% | — | Standard | | **15-Year Fixed** 15 year fixed | — APR | 6.250% | — | Standard | | **10-Year Fixed** 10 year fixed | 7.233% APR | 6.750% | — | Standard | | **20-Year Fixed** 20 year fixed | 7.280% APR | 7.000% | — | Standard | | **7 Year Balloon** other | 7.151% APR | 6.750% | — | Standard | | **25 Year Fixed** other | 7.494% APR | 7.250% | — | Standard | Alton Municipal Employees Credit Union mortgage rates as of November 12, 2026 ### Auto & vehicle rates 9 offers | Product | Published | Rate | Term / condition | Status | | **Auto Loan (2019 and Newer)** auto | — APR | 4.740% | — | Standard | | **Auto Loan (2015–2018)** auto | — APR | 6.590% | — | Standard | | **Less than $15,000** auto_any_60mo | — APR | 7.000% | 60 mo | Standard | | **Motorsport Loans (2012 - 2018)** auto | — APR | 7.890% | — | Standard | | **$14,999 & Below** auto_any_84mo | — APR | 7.990% | 84 mo | Standard | | **Motorsport Loans (2011 & Older)** auto_used | — APR | 8.090% | used | Standard | | **Auto Loan (2011–2014)** auto | — APR | 8.140% | — | Standard | | **Motorsport Loans (2019 & Newer)** auto | — APR | 8.290% | — | Standard | | **Used Auto Loan (2010 and Older)** auto_used | — APR | 8.690% | used | Standard | Alton Municipal Employees Credit Union auto & vehicle rates as of November 12, 2026 ### HELOC rates 3 offers | Product | Published | Rate | Term / condition | Status | | **7 Year or less Closed End** heloc | — APR | 7.500% | — | Standard | | **10 Year Closed End** heloc | — APR | 8.000% | — | Standard | | **15 Year Closed End** heloc | — APR | 8.250% | — | Standard | Alton Municipal Employees Credit Union heloc rates as of November 12, 2026 ### Personal loan rates 3 offers | Product | Published | Rate | Term / condition | Status | | **Freedom Line - Open End** personal | — APR | 8.900% | — | Standard | | **Personal Loan - Closed End** personal_unsecured | — APR | 8.900% | — | Standard | | **Quick Cash Loan** personal | — APR | 24.990% | — | Standard | Alton Municipal Employees Credit Union personal loan rates as of November 12, 2026 ### Credit card rates 2 offers | Product | Published | Rate | Term / condition | Status | | **Share Secured Credit Card** credit_card_secured | — APR | 9.900% | — | Standard | | **Revity CU Rewards Mastercard** credit_card_rewards | — APR | 9.900% | — | Standard | Alton Municipal Employees Credit Union credit card rates as of November 12, 2026 ### Savings & CD rates 30 offers | Product | Published | Rate | Term / condition | Status | | **Member Savings** savings | 0.05% APY | 0.05% | — | Standard | | **Christmas Club** savings | 0.05% APY | 0.05% | — | Specialty offer | | **Member Savings** savings | 0.10% APY | 0.10% | — | Standard | | **Prime Time Club** savings | 0.15% APY | 0.15% | — | Standard | | **Simply MORE! Checking*** checking | 0.25% APY | 0.25% | — | Standard | | **Individual Retirement Account (IRA)** ira | 0.55% APY | 0.55% | — | Standard | | **Individual Retirement Account (IRA)** ira | 0.70% APY | 0.70% | — | Standard | | **Individual Retirement Account (IRA)** ira | 0.80% APY | 0.80% | — | Standard | | **Simply MORE! Checking*** checking | 1.25% APY | 1.25% | — | Standard | | **Individual Retirement Account (IRA)** ira | 1.75% APY | 1.75% | — | Standard | | **$2,500 - $24,999.99** savings | 1.80% APY | 1.80% | — | Standard | | **$25,000 - $49,999.99** savings | 1.85% APY | 1.85% | — | Standard | | **$50,000 - $74,999.99** savings | 1.90% APY | 1.90% | — | Standard | | **$75,000 - $99,999.99** savings | 1.95% APY | 1.95% | — | Standard | | **$100,000 Or More** savings | 2.00% APY | 2.00% | — | Standard | | **$150,000.00 Or More*** savings | 2.75% APY | 2.75% | — | Standard | | **6-Month Certificate** share_certificate_6mo | 3.25% APY | 3.25% | 6 mo | Standard | | **12-Month Certificate** share_certificate_12mo | 3.30% APY | 3.26% | 12 mo | Standard | | **24-Month Certificate** share_certificate_24mo | 3.35% APY | 3.31% | 24 mo | Standard | | **6-Month Certificate** share_certificate_6mo | 3.35% APY | 3.35% | 6 mo | Standard | | **12-Month Certificate** share_certificate_12mo | 3.40% APY | 3.36% | 12 mo | Standard | | **24-Month Certificate** share_certificate_24mo | 3.45% APY | 3.41% | 24 mo | Standard | | **6-Month Certificate** share_certificate_6mo | 3.45% APY | 3.45% | 6 mo | Standard | | **12-Month Certificate** share_certificate_12mo | 3.50% APY | 3.46% | 12 mo | Standard | | **24-Month Certificate** share_certificate_24mo | 3.55% APY | 3.50% | 24 mo | Standard | | **36-Month Certificate** share_certificate_36mo | 3.60% APY | 3.55% | 36 mo | Standard | | **48-Month Certificate** share_certificate_48mo | 3.65% APY | 3.60% | 48 mo | Standard | | **60-Month Certificate** share_certificate_60mo | 3.70% APY | 3.65% | 60 mo | Standard | | **7-Month Certificate** share_certificate_7mo | 4.00% APY | 4.00% | 7 mo | Standard | | **11-Month Certificate** share_certificate_11mo | 4.05% APY | 4.05% | 11 mo | Standard | Alton Municipal Employees Credit Union savings & cd rates as of November 12, 2026 As of November 12, 2026, Alton Municipal Employees Credit Union offers a 30-year fixed mortgage at 7.596% APR. Savings and certificate yields up to 4.05% APY. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/illinois/alton-municipal-employees) , verified from [Alton Municipal Employees Credit Union's official website](https://www.revitycu.com/) Best product position **Room to improve vs. the Illinois median** 30-year fixed mortgage Gap to state best **81 bp** 81 bp from state best Vs. state median **22 bp behind median** 30-year fixed mortgage Products ranked **1** across tracked Illinois markets | Product | Published APR | Position | Vs. state best | Vs. state median | | 30-year fixed mortgage | 7.60% | Room to improve vs. the Illinois median | 81 bp from state best | 22 bp behind median | Published rate position by product as of November 13, 2026 This is the public snapshot. Claim Alton Municipal Employees Credit Union's profile to see the full product-by-product breakdown, how the gap to the state best has moved over time, and the near-misses where a small change would move you up. [See the full breakdown →](https://rateapi.dev/for-credit-unions/claim?cu=alton-municipal-employees&state=illinois&code=IL&name=Alton%20Municipal%20Employees%20Credit%20Union) Loading branch locator… ## 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](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . 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. [**Revity** Alton Branch · Alton · IL · 62002 About 1.1 miles away](https://rateapi.dev/credit-unions/illinois/revity) [**State Employees Community** 4500 College Avenue · Alton · IL · 62002-5013 About 2.3 miles away](https://rateapi.dev/credit-unions/illinois/state-employees-community) [**1st Midamerica** College Office · Alton · IL · 62002 About 2.4 miles away](https://rateapi.dev/credit-unions/illinois/1st-midamerica) [**Altonized Community** ALTONIZED COMMUNITY FEDERAL CREDIT UNION · ALTON · IL · 62002-5916 About 2.7 miles away](https://rateapi.dev/credit-unions/illinois/altonized-community) [**Citizens Equity First** Godfrey Member Center · Godfrey · IL · 62035 About 3.2 miles away](https://rateapi.dev/credit-unions/illinois/citizens-equity-first) [**B.e.a.** BEA Credit Union · Bethalto · IL · 62010 About 4.6 miles away](https://rateapi.dev/credit-unions/illinois/bea) 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](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Alton Municipal Employees Credit Union's website. Check the membership page below to confirm whether you qualify. - Employer Businesses and other legal entities in those counties, eligible groups - Association approved employee groups Verified from [Alton Municipal Employees Credit Union's membership page](https://www.revitycu.com/about/who-we-are/become-a-member.html) . Final membership determination is always made by the credit union. ## Membership rules for Alton Municipal Employees Credit Union Employers 2 · Associations · Family 4 published paths to membership, last verified August 21, 2026, quoted from Alton Municipal Employees Credit Union’s own published criteria. ### Employers 2 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Employee of Businesses and other legal entities in those counties “Businesses and other legal entities in those counties” > [source ↗](https://www.revitycu.com/about/who-we-are/become-a-member.html) - Employee of Businesses and other legal entities in those counties - Retired employee of eligible groups “Retirees and their families from eligible groups” > [source ↗](https://www.revitycu.com/about/who-we-are/become-a-member.html) - Retiree of eligible groups ### Associations 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Member of approved employee groups “Members of approved employee groups” > [source ↗](https://www.revitycu.com/about/who-we-are/become-a-member.html) - Member of approved employee groups ### Family 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Family of a member spouse, child, grandchild, parent, sibling “Members' spouses, children, grandchildren, parents, brothers, and sisters” > [source ↗](https://www.revitycu.com/about/who-we-are/become-a-member.html) - Family member (spouse, child, grandchild, parent, sibling) of a member Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Alton Municipal Employees Credit Union? Yes No ## Work at Alton Municipal Employees Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Alton Municipal Employees Credit Union ranks against Illinois peers. - See which AI assistants fetched Alton Municipal Employees Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Illinois - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=alton-municipal-employees&state=illinois&code=IL&name=Alton%20Municipal%20Employees%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## 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 November 12, 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 November 12, 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 November 12, 2026, Alton Municipal Employees Credit Union offers a 30-year fixed mortgage at 7.596% APR. ### What is Alton Municipal Employees Credit Union's best CD rate? As of November 12, 2026, Alton Municipal Employees Credit Union offers savings and certificate (CD) yields up to 4.05% APY. ### Who can join Alton Municipal Employees Credit Union? Alton Municipal Employees Credit Union publishes its membership criteria on its own website. RateAPI tracks 4 published membership paths covering 2 employers and 1 association for Alton Municipal Employees Credit Union, each quoted from Alton Municipal Employees Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Alton Municipal Employees Credit Union's rates against national credit-union benchmarks. [More Illinois credit unions](https://rateapi.dev/credit-unions/illinois) [Illinois mortgage rate leaders](https://rateapi.dev/mortgage-rates/illinois) [Illinois auto loan rate leaders](https://rateapi.dev/auto-loan-rates/illinois) [Illinois HELOC rate leaders](https://rateapi.dev/heloc-rates/illinois) [Illinois personal loan leaders](https://rateapi.dev/personal-loan-rates/illinois) [Mortgage rate benchmark](https://rateapi.dev/mortgage-rate-benchmark) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [Credit card rates](https://rateapi.dev/credit-card-rates) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.revitycu.com/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Alton Municipal Employees Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Illinois credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Alton Municipal Employees Credit Union curl "https://api.rateapi.dev/credit-unions/illinois /alton-municipal-employees " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Alton Municipal Employees Credit Union locations Search, filter, and browse all 1 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/illinois/alton-municipal-employees Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp