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Alaska USA Federal Credit Union


Overview / Commentary
www.alaskausa.org
907-563-4567
4000 Credit Union Dr
Anchorage, AK 99503

Alaska USA Federal Credit Union is headquartered in Anchorage and is the largest credit union in the state of Alaska. It is also the 19th largest credit union in the nation. It was established in 1948 and as of September of 2019, it had grown to 1,843 employees and 677,180 members at 80 locations. Alaska USA Federal Credit Union's CD rates are 2X the national average, and it has a B+ health rating.

Field of Membership Restrictions

AlaskaUSA Federal Credit Union offers membership to anyone who lives in the state of Alaska; lives, works, worships or attends school in San Bernardino County, California; Maricopa County, Arizona or anywhere in the state of Washington.
See current membership details

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Reviews (17)

Alaska USA Is Superb CU

Posted by: |

I have been banking with Alaska since 2011 when they financed my car loan. I also bank with US Bank (just okay). Alaska has low fees, no monthly checking account fee cause I have direct deposit. I have a very low interest rate credit card. Customer Service is fantastic and they are friendly and always eager to help. I am dumping US Bank and plan to keep Alaska USA. Their website is easy to navigate. I would say that mobile app needs some updating. Not sure why the negative reviews as I don't feel that way. I keep a good amount in my savings to cover expenses in checking when I am low that month.

1

Very Pleased With Alaskausa

Posted by: |

I've had an account for years. Just miles away from my home, several times they've had among the highest CD rates in the nation. I have been very pleased with their efficient, friendly, helpful customer service.

2

Great Customer Service

Posted by: |

I joined AlaskaUSA 40 years ago, in the Philippines. Yes, they had a branch there. I have never lived in Alaska, Arizona or California, and have not set foot in a branch office in nearly 40 years. They have extended hours, to accommodate their far flung customers. I use UltraBranch and Bill Pay to pay my bills, as I am often overseas or out of town. My bills are paid automatically, except for my water bill that varies. I have never had a problem when I've called in. Reps were polite, knowledgeable and took care of my concerns right away.
If you read the low ratings, bear in mind that this is a very large credit union, and the poor reviews represent less than 1% of their members. Also many of the low raters admit they are over 90 days late paying. What did they expect? Free money?

3

My savings account at Alaska Fed Credit Union

Posted by: |

I have been a customer of Alaska Federal Credit Union Bank for over 5 years. The service is great and convenient, since I have a Navy Federal Credit Union ATM close to where I live in Coronado. I can make regular deposits and an occasional withdrawal when needed without having to drive long distances to a Bank or ATM. When I decided to purchase a vehicle I used their services due to their lowest interest rate. Overall I am very pleased to have Alaska FCU as my Savings Bank.

3
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Health
B+

Data as of Q3 2019

Learn why bank health matters

Health Grade Components

Overall
NCUA #5913
Year Chartered1948
Employees1843
Primary Regulator
Profit Margin
Return on Assets - YTD0.91%
Return on Equity - YTD11.04%
Annual Interest Income$223.8MM
Assets and Liabilities
AssetsQ3 2019vs Q3 2018$8.07B$7.55B
LoansQ3 2019vs Q3 2018$6.51B$6.20B
DepositsQ3 2019vs Q3 2018$7.29B$6.81B
Equity CapitalQ3 2019vs Q3 2018$657.7MM$568.7MM
Loan Loss AllowanceQ3 2019vs Q3 2018$48.7MM$49.1MM
Unbacked Noncurrent LoansQ3 2019vs Q3 2018$58.8MM$61.1MM
Real Estate OwnedQ3 2019vs Q3 2018$5.6MM$4.4MM
Rates
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Always verify rates and promotions with the bank or credit union. We are not Alaska USA Federal Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Alaska USA Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.40%*$50k*-Health Savings Account (HSA)
OTHER TIERS: 0.15% → $50 - $1k | 0.25% → $1k - $10k | 0.35% → $10k - $50k
0.20%$10k-Premium Savings
0.20%$50-IRA Savings
0.20%$10k-Business Premium Savings
0.10%$50-Share Savings
0.10%$50-Business Share Savings

Alaska USA Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.35%*$100k*-Jumbo Money Market
OTHER TIERS: 0.30% → $50k - $100k
0.35%*$100k*-Business Jumbo Money Market
OTHER TIERS: 0.30% → $50k - $100k
0.25%*$25k*-Super Money Market
OTHER TIERS: 0.20% → $10k - $25k
0.25%*$25k*-Business Super Money Market
OTHER TIERS: 0.20% → $10k - $25k
0.15%$2.5k-Money Market
0.15%$2.5k-Business Money Market

Alaska USA Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.15%*$100k*-Business Checking
OTHER TIERS: 0.05% → $1k - $50k | 0.10% → $50k - $100k
0.05%$1k-Investor Checking

Alaska USA Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.40%*$250k*-60 Month CD
OTHER TIERS: 1.95% → $500 - $2.5k | 2.00% → $2.5k - $10k | 2.05% → $10k - $25k | 2.10% → $25k - $50k | 2.20% → $50k - $100k | 2.30% → $100k - $250k
2.35%*$250k*-48 - 59 Month CD
OTHER TIERS: 1.90% → $500 - $2.5k | 1.95% → $2.5k - $10k | 2.00% → $10k - $25k | 2.05% → $25k - $50k | 2.15% → $50k - $100k | 2.25% → $100k - $250k
2.30%*$250k*-36 - 47 Month CD
OTHER TIERS: 1.85% → $500 - $2.5k | 1.90% → $2.5k - $10k | 1.95% → $10k - $25k | 2.00% → $25k - $50k | 2.10% → $50k - $100k | 2.20% → $100k - $250k
2.25%*$250k*-24 - 35 Month CD
OTHER TIERS: 1.80% → $500 - $2.5k | 1.85% → $2.5k - $10k | 1.90% → $10k - $25k | 1.95% → $25k - $50k | 2.05% → $50k - $100k | 2.15% → $100k - $250k
2.20%*$250k*-18 - 23 Month CD
OTHER TIERS: 1.75% → $500 - $2.5k | 1.80% → $2.5k - $10k | 1.85% → $10k - $25k | 1.90% → $25k - $50k | 2.00% → $50k - $100k | 2.10% → $100k - $250k
2.15%*$250k*-12 - 17 Month CD
OTHER TIERS: 1.70% → $500 - $2.5k | 1.75% → $2.5k - $10k | 1.80% → $10k - $25k | 1.85% → $25k - $50k | 1.95% → $50k - $100k | 2.05% → $100k - $250k
2.15%*$250k*-60 Month Business CD
OTHER TIERS: 1.95% → $500 - $10k | 2.05% → $10k - $100k | 2.10% → $100k - $250k
1.96%*$250k*-48 - 59 Month Business CD
OTHER TIERS: 1.76% → $500 - $10k | 1.81% → $10k - $100k | 1.91% → $100k - $250k
1.85%*$250k*-9 - 11 Month CD
OTHER TIERS: 1.40% → $500 - $2.5k | 1.45% → $2.5k - $10k | 1.50% → $10k - $25k | 1.55% → $25k - $50k | 1.65% → $50k - $100k | 1.75% → $100k - $250k
1.81%*$250k*-36 - 47 Month Business CD
OTHER TIERS: 1.59% → $500 - $10k | 1.64% → $10k - $100k | 1.74% → $100k - $250k
1.55%*$250k*-24 - 35 Month Business CD
OTHER TIERS: 1.40% → $500 - $10k | 1.45% → $10k - $100k | 1.50% → $100k - $250k
1.30%*$250k*-18 - 23 Month Business CD
OTHER TIERS: 1.15% → $500 - $10k | 1.20% → $10k - $100k | 1.25% → $100k - $250k
1.20%*$250k*-6 - 8 Month CD
OTHER TIERS: 0.75% → $500 - $2.5k | 0.80% → $2.5k - $10k | 0.85% → $10k - $25k | 0.90% → $25k - $50k | 1.00% → $50k - $100k | 1.10% → $100k - $250k
1.10%*$250k*-12 - 17 Month Business CD
OTHER TIERS: 0.95% → $500 - $10k | 1.00% → $10k - $100k | 1.05% → $100k - $250k
0.50%$500-9 - 11 Month Business CD
0.45%$500-3 - 5 Month CD
0.40%$500-6 - 8 Month Business CD
0.35%*$100k*-1 - 2 Month CD
OTHER TIERS: 0.30% → $500 - $100k
0.30%$500-3 - 5 Month Business CD
0.20%$500-1 - 2 Month Business CD

Alaska USA Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.40%*$250k*-60 Month Tax-Deferred IRA
OTHER TIERS: 1.95% → $500 - $2.5k | 2.00% → $2.5k - $10k | 2.05% → $10k - $25k | 2.10% → $25k - $50k | 2.20% → $50k - $100k | 2.30% → $100k - $250k
2.35%*$250k*-48 - 59 Month Tax-Deferred IRA
OTHER TIERS: 1.90% → $500 - $2.5k | 1.95% → $2.5k - $10k | 2.00% → $10k - $25k | 2.05% → $25k - $50k | 2.15% → $50k - $100k | 2.25% → $100k - $250k
2.30%*$250k*-36 - 47 Month Tax-Deferred IRA
OTHER TIERS: 1.85% → $500 - $2.5k | 1.90% → $2.5k - $10k | 1.95% → $10k - $25k | 2.00% → $25k - $50k | 2.10% → $50k - $100k | 2.20% → $100k - $250k
2.25%*$250k*-24 - 35 Month Tax-Deferred IRA
OTHER TIERS: 1.80% → $500 - $2.5k | 1.85% → $2.5k - $10k | 1.90% → $10k - $25k | 1.95% → $25k - $50k | 2.05% → $50k - $100k | 2.15% → $100k - $250k
2.20%*$250k*-18 - 23 Month Tax-Deferred IRA
OTHER TIERS: 1.75% → $500 - $2.5k | 1.80% → $2.5k - $10k | 1.85% → $10k - $25k | 1.90% → $25k - $50k | 2.00% → $50k - $100k | 2.10% → $100k - $250k
2.15%*$250k*-12 - 17 Month Tax-Deferred IRA
OTHER TIERS: 1.70% → $500 - $2.5k | 1.75% → $2.5k - $10k | 1.80% → $10k - $25k | 1.85% → $25k - $50k | 1.95% → $50k - $100k | 2.05% → $100k - $250k
1.85%*$250k*-9 - 11 Month Tax-Deferred IRA
OTHER TIERS: 1.40% → $500 - $2.5k | 1.45% → $2.5k - $10k | 1.50% → $10k - $25k | 1.55% → $25k - $50k | 1.65% → $50k - $100k | 1.75% → $100k - $250k
1.20%*$250k*-6 - 8 Month Tax-Deferred IRA
OTHER TIERS: 0.75% → $500 - $2.5k | 0.80% → $2.5k - $10k | 0.85% → $10k - $25k | 0.90% → $25k - $50k | 1.00% → $50k - $100k | 1.10% → $100k - $250k
0.45%$500-3 - 5 Month Tax-Deferred IRA
0.35%*$100k*-1 - 2 Month Tax-Deferred IRA
OTHER TIERS: 0.30% → $500 - $100k
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