USALLIANCE Financial


Overview / Commentary
914-921-0500
411 Theodore Fremd Ave, Suite 350
Rye, NY 10580-1426

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 Offers Four Certificate Specials - 9/11/2020

USALLIANCE Financial (easy membership) has four CD Specials with terms of 9-month, 11-month, 18-month and 36-month. Minimum deposit is $500 for all four.

USALLIANCE Financial Adds 11-Month No-Penalty CD - 8/28/2020

USALLIANCE Financial Credit Union (easy membership) has added an 11-month No-Penalty Certificate. Partial withdrawals are not allowed, only early closures.

View all posts from:

12/22/17 - USALLIANCE Hikes Rate On 12-Month CD
12/22/17 - USALLIANCE CD Rate Changes. Quick Look.
11/10/17 - USALLIANCE Ups 24-Month Certificate Rate
11/10/17 - 24-Month CD Now 2.02% APY
10/27/17 - USALLIANCE Adds 35-Month Certificate
10/27/17 - USALLIANCE 35 Month CD 2.38% APY. Quick Look.
9/4/17 - USALLIANCE Financial Ups Long Term Certificate Account Rates
9/3/17 - 48- And 60-Month CD Rate Hikes
9/1/17 - 25-Month And 36-Month CD Rates
8/10/17 - USALLIANCE Adds Cooperative Rewards CD Specials
8/9/17 - 2.28% APY 36 Mth, 2.02% 24 Mth, 1.51% 15 Mth. $500 Minimum
6/29/17 - Rate Changes
5/15/17 - 2.20% APY 36-Month Special CD
4/26/17 - USALLIANCE Financial Adds 36-Month High Yield CD
4/25/17 - 2.2% APY 36-Month Special CD
3/4/17 - 15Mo CD Special No Longer Available
2/22/17 - USAlliance CD Specials Withdrawn. Quick Look.
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).

Convenient, Easy And Excellent Service!

Posted by: |

I am a mobile user and when i say its easy, its easy. I can keep up with all my accounts and view the great rate offerings on all their products. In addition to great rates, I love Early Direct Deposit and my USALLIANCE credit card! Helps my budgeting skills!

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!

$5.00 Per Withdrawal

Posted by: |

High Dividend/Business High Dividend Savings Withdrawal $5.00 per withdrawal

https://www.usalliance.org/hubfs/assets/documents/disclosures/usalliance-fee-schedule.pdf

Difficult To Get Your Money Out From US Alliance

Posted by: |

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+

Health Grade Components

Overall
NCUA #17587
Year Chartered1966
Employees220
Primary Regulator
Profit Margin
Return on Assets - YTD0.48%
Return on Equity - YTD6.57%
Annual Interest Income$36.6MM
Assets and Liabilities
AssetsQ2 2020vs Q2 2019$1.93B$1.81B
LoansQ2 2020vs Q2 2019$1.66B$1.53B
DepositsQ2 2020vs Q2 2019$1.45B$1.34B
Equity CapitalQ2 2020vs Q2 2019$140.0MM$127.3MM
Secondary CapitalQ2 2020vs Q2 2019$19.2MM
Loan Loss AllowanceQ2 2020vs Q2 2019$16.7MM$12.7MM
Unbacked Noncurrent LoansQ2 2020vs Q2 2019$14.3MM$8.6MM
Real Estate OwnedQ2 2020vs Q2 2019$672.00K$1.5MM
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
2.00%*-$500MyLife Savings
OTHER TIERS: 0.02% $500+
2.00%*$1$500MyLife Kids Savings
OTHER TIERS: 0.02% $500+
0.65%$1-Education Savings Account
0.40%$25-STAR Account
0.33%$500-High Dividend Savings
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
0.70%*$1m*-MyLife Money Market
OTHER TIERS: 0.05% Up to $2k | 0.07% $2k - $10k | 0.10% $10k - $50k | 0.15% $50k - $100k | 0.25% $100k - $250k | 0.40% $250k - $500k | 0.60% $500k - $1m
0.30%*$75k*-Platinum Money Manager Account
OTHER TIERS: 0.05% Up to $75k
0.25%*$25k*-Super Savings Money Manager Account
OTHER TIERS: 0.05% Up to $25k
0.25%*$50k*-Diamond Money Manager Account
OTHER TIERS: 0.05% Up to $50k
0.20%*$5k*-Silver Money Manager Account
OTHER TIERS: 0.05% Up to $5k

USALLIANCE Financial CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.15%$500-36 Month Certificate Special
1.02%$500-18 Month Certificate Special
1.00%$500-48 Month Certificate
1.00%$500-60 Month Certificate
0.90%$500-12 Month Certificate Special
0.80%$500-9 Month Certificate Special
0.75%$500-18 Month Certificate
0.75%$500-24 Month Certificate
0.75%$500-36 Month Certificate
0.75%$500-11 Month No Penalty CD Special
0.70%$500-24 Month Step-Up Certificate
0.60%$500-12 Month Certificate
0.55%$500-12 Month Step-Up Certificate
0.25%$500-9 Month Certificate
0.20%$500-6 Month Certificate
0.15%$500-3 Month Certificate
Locations

Availability

New York Area

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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.