2. USALLIANCE Financial

USALLIANCE Financial

Popular Accounts at this Credit Union

APYACCOUNT TYPEHOW THEY COMPARE
2.80%1-year CD
2.75% - Barclays 12 Month Online CDAdvertisement
3.00%2-year CD
1.68% - National Average
3.00%3-year CD
2.85% - Barclays 36 Month Online CDAdvertisement
View all USALLIANCE Financial rates »

Overview / Commentary
www.usalliance.org
800-431-2754
411 Theodore Fremd Ave
Rye, NY 10580

USALLIANCE Financial began in 1966 as a credit union for IBM employees. Today, from its branch locations in the Northeast United States and through convenient and secure online and mobile banking options, USALLIANCE Financial serves over 90,000 members around the world.

The credit union provides a range of financial products and services, including the following personal depository banking products: checking accounts, savings accounts, health savings accounts (HSAs), money market accounts, Certificates of Deposit (CDs), and Individual Retirement Accounts (IRAs).

USALLIANCE Financial’s checking accounts include a special account option for teenagers. There is also a savings account option for children. The credit union’s money market account yields tiered interest rates, with higher rates for larger account balances. CD terms range from 3 to 60 months. USALLIANCE Financial offers Traditional, Roth, and Coverdell Education Savings Account IRA products.

In addition to the depository products mentioned above, USALLIANCE Financial also offers loans, lines of credit, and insurance options to its members.

Field of Membership Restrictions

Membership in USALLIANCE Financial is open to anyone through membership in any of four associations, including the American Consumer Council. Membership is open to those who live, work, or worship in the Massachusetts counties of Barnstable, Essex, Middlesex, Norfolk, Plymouth, Suffolk, or Worcester; the City of West Haven, Connecticut; or qualifying districts in Manhattan, Mount Vernon, and The Bronx. State or local government employees/retirees of the NY counties of Columbia, Dutchess, Greene, Orange, Putnam, Rockland, Sullivan, Ulster, Westchester are also eligible to join, as are employees of more than 175 SEGs. Complete membership requirements are listed on the Credit Union's online application.
See current membership details

Related Posts

USALLIANCE Financial Unveils High Dividend Savings, 2.30% APY - 1/4/2019

USALLIANCE Financial (easy membership) has introduced its new High Dividends Savings account, which earns 2.30% APY on balances of $500+.

Usalliance Increases Rates On 12- And 24-Month Certificates - 1/1/2019

USAlliance yields, effective 12/31/2018 24 months 3.00% APY 12 months 2.80% APY $500 minimum balance https://www.usalliance.org/about-us/rates/savings-rates Note: All USAlliance certificates are callable products https://www.usalliance.org/hubfs/assets/documents/disclosures/usalliance-certificate-account-disclosure.pdf

Updated, Correct, Info Re Usalliance 2-Yr & 3 Yr. Promotional Cds - 10/20/2018

Effective October 19, the 3-yr. promotional CD has an APY of 3.10%. The APY on the 2-yr. CD is 2.85%. (The credit union's website initially posted different yields.)

View all posts from:

11/29/16 - USALLIANCE Financial's MyChoice CD Option Adds 0.25%
8/3/16 - New Website
2/3/16 - USALLIANCE Financial Continues To Offer Top Rate 15-Month CD
11/6/15 - USALLIANCE Financial Adds 5-Month CD Special - New Members
9/21/15 - USALLIANCE Financial Revives 25-Month CD Special
9/18/15 - 25-Mo. CD Special Is Back
7/24/15 - USAlliance FCU's "Summer Blow Out" Rate On 25-Month CD Special
7/21/15 - USAlliance CD Specials; Clarification.
7/11/15 - 25 Month 2.01% CD
6/4/15 - Usalliance Fed CU Rates Go Up
5/28/15 - USAlliance Federal CU Raises Rate On 25-Month Fixed Certificate Again
5/4/15 - USAlliance Federal CU Has Top Rate 15-month and 25-month CD Specials
5/3/15 - Usalliance 15M/1.51%, 25M/2.01% (Hush-Hush?) CD's. Quick Look.
4/1/15 - USAlliance Federal CU Offers Two New CD Specials (Nationally Available)
11/7/14 - Win $3,000/$5,000 Cash From Usalliance FCU; CT, MA, NJ, NY Only.
10/31/14 - Usalliance Ends 13 Month CD Special
9/10/14 - USAlliance Federal CU's Competitive Rate 13-month CD Special: It's Back
9/9/14 - 1.30% APY, 13-Month CD Special
8/11/14 - USAlliance Federal CU New 25-Month CD Special (Nationally Available)
5/23/14 - USAlliance FCU Increases Rate of its 35-Month CD Special
5/7/14 - USAlliance Credit Union can call CDs early
5/2/14 - Special CDs with Top Rates at USAlliance FCU - Easy Membership
5/1/14 - Usalliance Spring CD Special
5/1/14 - CD Specials From Usalliance Credit Union
6/28/13 - Special CD Rates at USAlliance FCU - Easy Membership
1/8/13 - Special 15-Month CD Rate at USAlliance FCU - Easy Membership
12/10/12 - Special 12-Month CD Rate at USAlliance FCU - Easy Membership
2/12/09 - 4.03% 18-Month CD at USAlliance FCU in NY, NJ & MA
2/12/09 - 3.46% 11-Month and 18-Month CD at USAlliance Federal Credit Union in MA, NY and NJ
3/15/07 - 5.60% 15-Month CD at a MA/NJ/NY Credit Union (US Alliance)
3/3/07 - 6.00% 7-Month CD at a Colorado CU (US Alliance).

Reviews (37)

Best Customer Service

Posted by: Harkflynns | May 11, 2017

I worked with a particular manager at USAlliance. She was super diligent to help the process of opening an IRA and transferring a Trad IRA from another financial institution. She never took longer than 24 hours to get back to me and it was usually less than 15 minutes. I have nothing but good things to say about USAlliance. They are great there!

16

36 Mo. August 2017 CD Special

Posted by: zaqxsw | Aug 31, 2017

Surprisingly, this was for existing members only, not for the public or new members. Speaks well for their loyalty to existing members!

It ended today , 8/31, for members.

9

I Would Give Them A Zero For Customer Service BUT...

Posted by: syncomm1 | Oct 13, 2018

...everyone I spoke to at US Alliance was very nice. Nice does not mean smart or timely. I wanted to make my account a joint one with my daughter and add more money(so I could get full NCUA coverage).

That's when the idiocy kicked in. They kept asking me for more and more proof, official ID, utility bills (most kids don't have), etc etc. Despite my daughter being on about 10 accounts at major institutions, and me providing backup and more backup they would not open the account. Their system told them my daughter's SS number was not what it has been since birth. The backup I sent included a pay stub with address and SS no--that should have been enough.
Two weeks later, after chasing them around, I gave up. Rates at other institutions that can handle requests quickly and intelligently are out there.
Nice does not mean intelligent!

3

Difficult To Get Your Money Out From US Alliance

Posted by: 83rahgj228 | Mar 5, 2018

Twice it was close to impossible to get my funds back when a CD matured. They will not allow ACH transfers initiated from your account. I am an internet customer in California and they are in Rye, New York. The customer service representative said "come into a branch to make your withdrawal"! They sent me a form called "Agreement for Preauthorized Transfers". They confirmed receipt of the form but when it came time for the CD maturity, they denied that they received it. It has taken much effort and the loss of many days of interest to get funds back from them. For these reasons I did not renew my account nor will I open new accounts in the future.

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Health
B+

Data as of Q4 2018

Learn why bank health matters

Health Grade Components

Overall
NCUA #17587
Year Chartered1966
Employees273
Primary Regulator
Profit Margin
Return on Assets - YTD0.79%
Return on Equity - YTD11.07%
Annual Interest Income$69.2MM
Assets and Liabilities
AssetsQ4 2018vs Q4 2017$1.70B$1.38B
LoansQ4 2018vs Q4 2017$1.48B$1.20B
DepositsQ4 2018vs Q4 2017$1.23B$1.02B
Equity CapitalQ4 2018vs Q4 2017$119.0MM$105.5MM
Secondary CapitalQ4 2018vs Q4 2017$16.6MM
Loan Loss AllowanceQ4 2018vs Q4 2017$13.0MM$9.8MM
Unbacked Noncurrent LoansQ4 2018vs Q4 2017$9.1MM$8.9MM
Real Estate OwnedQ4 2018vs Q4 2017$619.00K$237.00K
  User-submitted Promotions & Notices

This section lists recent deals, promotions and rate changes submitted by our community within the past 90 days. Always verify official rates and promotions with the bank or credit union.

Usalliance Increases Rates On 12- And 24-Month Certificates

alan1   |  
USAlliance yields, effective 12/31/2018
24 months 3.00% APY
12 months 2.80% APY
$500 minimum balance
https://www.usalliance.org/about-us/rates/savings-rates

Note: All USAlliance certificates are callable products
https://www.usalliance.org/hubfs/assets/documents/disclosures/usalliance-certificate-account-disclosure.pdf
5

Rates
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Always verify rates and promotions with the bank or credit union. We are not USALLIANCE Financial; 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.

USALLIANCE Financial Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.05%*-$500MyLife Savings
OTHER TIERS: 0.02% → $500+
3.05%*$1$500MyLife Kids Savings
OTHER TIERS: 0.02% → $500+
2.44%$500-High Dividend Savings
0.65%$1-Education Savings Account
0.40%$25-STAR Account
0.25%$1-Club Account
0.10%*$2k*-Savings Plus Account
OTHER TIERS: 0.05% → Up to $2k
0.05%*$2k*-Share Management Savings
OTHER TIERS: 0.02% → Up to $2k
0.05%*$2k*-Kids Savings Account
OTHER TIERS: 0.02% → Up to $2k
0.05%*$2k*-Teen Savings Account
OTHER TIERS: 0.02% → Up to $2k
0.05%*$2k*-Health Savings Account
OTHER TIERS: 0.02% → Up to $2k

USALLIANCE Financial Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.25%*$250k*$100mMyLife Money Market
OTHER TIERS: 0.05% → Up to $2k | 0.75% → $2k - $10k | 1.01% → $10k - $50k | 1.40% → $50k - $100k | 1.60% → $100k - $250k
0.35%*$75k*-Platinum Money Manager Account
OTHER TIERS: 0.05% → Up to $75k
0.30%*$50k*-Diamond Money Manager Account
OTHER TIERS: 0.05% → Up to $50k
0.25%*$25k*-Super Savings Money Manager Account
OTHER TIERS: 0.05% → Up to $25k
0.20%*$5k*-Silver Money Manager Account
OTHER TIERS: 0.05% → Up to $5k

USALLIANCE Financial CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.10%$500-48 Month CD
3.10%$500-60 Month CD
3.00%$500-24 Month CD
3.00%$500-36 Month CD
3.00%$500-24 Month CD Special - New Money
3.00%$500-36 Month CD Special - New Money
2.80%$500-12 Month CD
2.75%$500-24 Month Step-Up CD
2.55%$500-12 Month Step-Up CD
2.35%$500-18 Month CD
2.15%$500-9 Month CD
2.00%$500-6 Month CD
1.75%$500-3 Month CD
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The financial institution, product, and APY (Annual Percentage Yield) data displayed on this website is gathered from various sources and may not reflect all of the offers available in your region. Although we strive to provide the most accurate data possible, we cannot guarantee its accuracy. The content displayed is for general information purposes only; always verify account details and availability with the financial institution before opening an account. Contact [email protected] to report inaccurate info or to request offers be included in this website. We are not affiliated with the financial institutions included in this website.