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Overview / Commentary
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 Ups 24-Month Certificate Rate - 11/10/2017

USALLIANCE Financial (easy membership) has raised the rate on its 24-month Fixed Rate Certificate (2.02% APY). Minimum deposit is $500, with no stated balance cap.

24-Month CD Now 2.02% APY - 11/10/2017

USALLIANCE's 24-month CD is now at 2.02% APY. Minimum deposit is $500.

USALLIANCE Adds 35-Month Certificate - 10/27/2017

USALLIANCE Financial (easy membership) has added a 35-month Fixed Rate Certificate earning 2.38% APY. The minimum deposit is $500, with no stated balance cap.

View all posts from:


Best Customer Service

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!

Great Experience

Posted by: bz | Nov 28, 2016

Had such a great experience with Doreen G. at the West Haven office. She was super helpful, patient while explaining everything and knowledgeable about all the services. I had many questions and she took her time to explain each and every one in detail. Highly Recommended.

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.

Misleading Advertising - "Early Pay Direct Deposit"

Posted by: bmur | Nov 28, 2017

I've been banking with USA for 7 months. For the first 7 months my direct deposit paycheck was put in my account 2 days early. So I scheduled payments for my 3 credit cards. My paycheck was not in my account as promised two days early. When I called to ask where the money was they said, "well it's not guaranteed. It depends on your employer's activity for deposit. I explained that there is no mention of this caveat in their advertising, I was advised to put a stop on payment on my Credit card payments to avoid the $35 overdraft fee. When I called to do this, they said it will cost me $35/stop payment. There was no accountability from US Alliance for false advertising.

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Health
B+

Health Grade Components

Overall
NCUA #17587
Year Chartered1966
Employees247
Primary Regulator
Profit Margin
Return on Assets - YTD0.89%
Return on Equity - YTD11.42%
Annual Interest Income$25.7MM
Assets and Liabilities
AssetsQ2 2017vs Q2 2016$1.28B$1.17B
LoansQ2 2017vs Q2 2016$1.09B$976.4MM
DepositsQ2 2017vs Q2 2016$1.01B$991.0MM
Equity CapitalQ2 2017vs Q2 2016$98.3MM$87.6MM
Secondary CapitalQ2 2017vs Q2 2016$7.0MM
Loan Loss AllowanceQ2 2017vs Q2 2016$9.2MM$7.8MM
Unbacked Noncurrent LoansQ2 2017vs Q2 2016$7.3MM$8.0MM
Real Estate OwnedQ2 2017vs Q2 2016$976.00K$1.0MM
  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.

24-Month CD Now 2.02% APY

Carpline   |  
USALLIANCE's 24-month CD is now at 2.02% APY. Minimum deposit is $500.

USALLIANCE 35 Month CD 2.38% APY. Quick Look.

cumulus   |  
USAlliance revised its' CD rates today, Thursday 10-26-17. The most competitive deal is a 35 month 2.38% APY CD; minimum to open is $500. Easy membership requirement.

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%*-$500MyLife Kids Savings
OTHER TIERS: 0.02% $500+
0.65%--Education Savings Account
0.40%$25-STAR Account
0.25%--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
1.26%*$75k*-MyLife Money Market
OTHER TIERS: 0.05% $500 - $2k | 0.10% $2k - $5k | 0.20% $5k - $25k | 0.25% $25k - $50k | 0.60% $50k - $75k
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
2.40%$500-35 Month CD Special
2.17%$500-36 Month CD
2.17%$500-48 Month CD
2.17%$500-60 Month CD
2.02%$500-24 Month CD
1.82%$500-18 Month CD
1.77%$500-15 Month CD
1.71%$500-12 Month CD
1.61%$500-24 Month Step-Up CD Special (New Money Only)
1.41%$500-9 Month CD
1.26%$500-6 Month CD
0.90%$500-3 Month CD
0.30%$100k-31 - 364 Day Jumbo CD
Locations

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