NAPERVILLE, Ill. — Alloya Corporate Federal Credit Union has increased the dividend rate on its Perpetual Contributed Capital to 3.00%, effective Jan. 1, 2026, as it marks its 15th year of operations, the organization said.
The corporate credit union said total PCC dividends paid to members have now surpassed $150 million. Separately, Alloya said it waived all member fees for November 2025, resulting in a fee-free December billing cycle. The fee waiver represented more than $3 million returned to members, according to the organization.
“Alloya is proud to continue to demonstrate the Power of Cooperation” said Todd Adams, Alloya’s chief executive officer. “We have always viewed our capital contributions as a long-term investment in credit unions’ futures. This has allowed Alloya, through the support of members and our board, to invest in the industry’s best loan participation platform and faster payments options. We have also been able to develop and launch our own core system to eliminate reliance on outside providers and provide the first corporate mobile app to maximize member convenience and security.
“This cooperative power has also allowed Alloya to purchase QCash, the leading provider of small-dollar credit union loans, driving financial inclusion for the underserved,” continued Adams. “In 2025 we were also able to perform a historic (and award winning) first for credit unions – a multi-issuer prime auto loan asset-backed securitization.”
“Alloya is an invaluable partner for credit unions,” said David Suvall, Alloya’s board chair. “While providing some of the most sophisticated financial solutions for the largest and most complex members, Alloya never loses sight of the critical needs of credit unions of all sizes.”
Alloya enjoyed a very successful year that enabled the corporate to offer benefits such as highly competitive short-term deposit rates and a special Certificate of Deposit to celebrate the 11th annual Credit Union Leadership Symposium. The loyalty and partnership of Alloya's members have been instrumental to the organization's success, and the corporate is profoundly grateful for members’ continued partnership and trust, the corporate stated.
“We couldn’t do what we do without their support, and we are honored to serve our members as they continue to make a difference in the lives of their members and communities,” Adams concluded.