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USALLIANCE Financial

Popular Accounts at this Credit Union

APYACCOUNT TYPEACCOUNT NAME
0.89%1-year CD11 Month CD
1.40% - Synchrony Bank 12 Month CDAdvertisement
2.28%3-year CD36 Month Cooperative Rewards CD Special
1.85% - Synchrony Bank 36 Month CDAdvertisement
2.02%2-year CD24 Month Cooperative Rewards CD Special
1.65% - Synchrony Bank 24 Month 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 Adds Cooperative Rewards CD Specials - 24-month, 2.02% APY - 8/10/2017

USALLIANCE Financial (easy membership) has added Cooperative Rewards CD Specials:15-month, 1.51% APY; 24-month, 2.02% APY; 36-month, 2.28% APY, $500 min deposit.

2.28% APY 36 Mth, 2.02% 24 Mth, 1.51% 15 Mth. $500 Minimum - 8/9/2017

According to e-mail I received, this suite of CDs make up their unadvertised specials called “Cooperative Rewards.” Offer is available through August 31 w/promo code “COOPCD”. Enrollment in e-statements required. "In the spirit of helping you live life fully this summer we're offering you access to our Cooperative Rewards CD Special, available exclusively to members like you. This offer will not be advertised to the public- you won't even see it on our website!" I had a CD mature w/them a month ago (2.01% 25 Mth). Proceeds have long been moved.

Rate Changes - 6/29/2017

USAlliance seems to have just posted new savings and CD rates, effective today. These rates--none of which I found, after cursory perusal, to be all that interesting--were referenced in an email I received from the credit union urging me to "stick with us." The most significant CDrate change I saw was 1.60% APY for two years, up from 1.30%.

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Reviews (32)

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!

6

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.

6

Annoyed While On Vacation

Posted by: Nikkicole | Jul 20, 2017

I spoke with a manager at the bank and was told that no one could deposit my check for me while I was on vacation. As my bill payments were due to be withdrawn out of my account, it led to so many overdraft fees. I then had to leave my vacation and drive all the back to Ct to deposit the check myself. Had I know that someone else could actually make the deposit for me, that would have saved all those overdraft fees and the drive back. I'm so upset right now and heading back down south annoyed. Everyone should always give the customer accurate information

1

Worst Bank Ever

Posted by: Terry Borderline | Jun 19, 2017

They enticed me with a spinning wheel of cash prizes: "if you spin the wheel, you'll have the number land on deposited into your account in dollars". I won $10, and a bank account near my job. It was convenient. The people who first greeted me was Alberto and another gentlemen, both were nice and for 5 years functioned as some of the best representatives of my finances I've had by far. Suddenly, I stopped speaking to Alberto, and random exorbitant fees started popping up frequently for charges I hadn't made to my account. Insufficient funds fees (which I was told would not occur on this type of account) became numerous. Suddenly instead of one fee, I started getting double fees, and they weren't being forgiven.

I was told I owe $80 in order to use or close my account because of charges I didn't make on an account I was told could not make charges it didn't not have money for. When I called them for help, I spoke to an uncaring, unforgiving, unprofessional, and downright rude teller and lazily passed to an equally if not more uncaring, and unforgiving supervisor. Both acted as enforcers more than bankers.

After 5 years of banking with them, I'm taking my money elsewhere. Worst bank ever.

1
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Health
B+

Data as of Q1 2017

Learn why bank health matters

Health Grade Components

Overall
NCUA #17587
Year Chartered1966
Employees252
Primary Regulator
Profit Margin
Return on Assets - YTD1%
Return on Equity - YTD12.79%
Annual Interest Income$12.7MM
Assets and Liabilities
AssetsQ1 2017vs Q1 2016$1.24B$1.15B
LoansQ1 2017vs Q1 2016$1.04B$918.6MM
DepositsQ1 2017vs Q1 2016$1.03B$981.2MM
Equity CapitalQ1 2017vs Q1 2016$95.7MM$84.7MM
Secondary CapitalQ1 2017vs Q1 2016$7.0MM
Loan Loss AllowanceQ1 2017vs Q1 2016$9.0MM$7.6MM
Unbacked Noncurrent LoansQ1 2017vs Q1 2016$7.7MM$9.3MM
Real Estate OwnedQ1 2017vs Q1 2016$1.7MM$411.00K
  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.

2.28% APY 36 Mth, 2.02% 24 Mth, 1.51% 15 Mth. $500 Minimum

Sylvia   |  
According to e-mail I received, this suite of CDs make up their unadvertised specials called “Cooperative Rewards.” Offer is available through August 31 w/promo code “COOPCD”. Enrollment in e-statements required.

"In the spirit of helping you live life fully this summer we're offering you access to our Cooperative Rewards CD Special, available exclusively to members like you. This offer will not be advertised to the public- you won't even see it on our website!"

I had a CD mature w/them a month ago (2.01% 25 Mth). Proceeds have long been moved.
4

Rate Changes

ChasR   |  
USAlliance seems to have just posted new savings and CD rates, effective today. These rates--none of which I found, after cursory perusal, to be all that interesting--were referenced in an email I received from the credit union urging me to "stick with us." The most significant CDrate change I saw was 1.60% APY for two years, up from 1.30%.
2

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+
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
0.90%*$75k*-MyLife Money Market
OTHER TIERS: 0.05% → Up to $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
2.28%$500-36 Month Cooperative Rewards CD Special
2.02%$500-24 Month Cooperative Rewards CD Special
1.87%$500-60 Month CD
1.84%$500-48 Month CD
1.82%$500-36 Month CD
1.71%$500-24 Month CD
1.66%$500-36 Month Step-Up CD Special
1.56%$500-24 Month Step-Up CD Special
1.51%$500-15 Month Cooperative Rewards CD Special
1.46%$500-18 Month CD
1.31%$500-15 Month CD
1.16%$500-12 Month CD
1.16%$500-12 Months CD Saver Special
0.89%$500-11 Month CD
0.85%$500-9 Month CD
0.80%$500-6 Month CD
0.60%$500-3 Month CD
0.30%$100k-31 - 364 Day Jumbo CD
Locations

USALLIANCE Financial has 21 locations. Click to view all USALLIANCE Financial locations.