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Special 15-Month CD Rate at USAlliance FCU - Easy Membership


USAlliance Credit Union

Last month USAlliance Federal Credit Union offered a one-day CD special. The credit union has a new CD special that is scheduled to last for all of January. It's a 15-month CD with a 1.30% APY. Maximum deposit is $50,000. New money and e-statements are required. An extra 0.13% will be added (for an APY of 1.43%) if the member brings a new member to the credit union. This special is listed at the credit union's promotions page as of 1/8/2013.

In addition to this 15-month CD special, the credit union has another CD special for January. Members can get a bonus rate on certain CDs when a new CD is opened on Fridays during the month of January. Like the 15-month CD special, an extra 0.13% will be added if the member brings a new member to the credit union. Maximum deposit is $50,000. New money and e-statements are required. Below is a list of the CDs eligible for the bonus, the bonus amounts and the post-bonus APYs:

  • 12-month CD: 0.50% bonus, 1.20% APY
  • 24-month CD: 0.35% bonus, 1.30% APY
  • 36-month CD: 0.25% bonus, 1.51% APY

The bonus amounts are listed at the credit union's CD bonus day promo page and the pre-bonus CD rates are listed in the credit union's rates page as of 1/8/2013.


The credit union has an online application that can be used to apply for membership and new accounts. In the first page of the new-member application, you must select how you are eligible to join. The first option can be chosen by anyone:

I will become a WARC supporter. WARC is a community outreach program dedicated to helping children with developmental disabilities and their families. To thank you, USAlliance will happily make your $15 donation.

The online application doesn't include the bonus APYs for the CDs. So make sure to contact the credit union to find out what they require to take advantage of these promotions.

Credit Union Overview

USAlliance FCU branches are located in New York, New Jersey and Massachusetts.

The credit union has an overall health score at of 3 stars (out of 5) with a Texas ratio of 33.54% (below average) based on September 2012. Please refer to our financial overview of USAlliance FCU for more details. The credit union is federally insured by the NCUA (Charter # 17587).

How This CD Rate Compares

The best 1-, 2- and 3-year CD rates that are nationally available are 1.25% APY, 1.60% APY and 1.85% APY at Pentagon Federal Credit Union. These rates are accurate as of 1/8/2013.

Searching for the Best CD Rates

To search for nationwide CD rates and CD rates in your state, please refer to the best CD rates section of

  Tags: USAlliance Credit Union, CD rates, New York, New Jersey, Massachusetts

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Comment #1 by Anonymous posted on
I did the new account process but then for account funding it only offers ACH but the maximum amount is $10K.  There doesn't seem to be any other option like mail in a check.  I have written to them to find out.