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USALLIANCE Financial

Popular Accounts at this Credit Union

APYACCOUNT TYPEACCOUNT NAME
0.60%1-year CD11 Month CD
1.35% - Ally Bank High Yield 12-Month CDAdvertisement
2.20%3-year CD36 Month High Yield CD Special
1.60% - Ally Bank High Yield 3 Year CDAdvertisement
1.71%5-year CD60 Month CD
2.25% - Ally Bank High Yield 5 Year 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

2.20% APY 36-Month Special CD - 5/15/2017

This deal has produced yet another wrinkle (as if it hasn't had enough already). It looks like anyone with an existing 35-month special CD (1.71% APY) which matures while the promotion is ongoing will have that CD automatically renewed into the 36-month special CD with a 2.20% APY. This happened to me even though the balance in my 35-month CD wasn't "new money" as defined by the promotional terms and even though I had already opened a 36-month CD several weeks back with new money (the promotion says it's limited to one CD per member). In fact, USAlliance allowed me to essentially reinstate my 35-month CD after it had matured and the funds had already been transferred to my savings account there (pursuant to an instruction I'd mailed in over a month ago). I have no idea whether what happened to me will apply to others with maturing .35-month special CDs. I suggest that anyone in that position call in advance of the maturity date to determine what his or her options are.

USALLIANCE Financial Adds 36-Month High Yield CD (2.20% APY) - 4/26/2017

USALLIANCE Financial (easy membership) has added a 36-month High Yield CD Special (2.20% APY). Min deposit is $500 of new money. Limit of one per SS number.

2.2% APY 36-Month Special CD - 4/25/2017

I just saw on the USAlliance website a paragraph under the tabs "Investments--CDs" to a 2.2% 36-Month CD Special. It says "new money only" but doesn't seem to be limited to new members. I'm investigating.

View all posts from:


Reviews (30)

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!

4

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.

5

West Haven Branch At The Va Hospital

Posted by: frankhawley36 | Oct 5, 2016

i am overly grateful for the people at the va branch . especially ms. Doreen Goodwin who goes out of her way everytime i enter that branch no matter how major or minor my transaction or question is she always makes me feel like im the most important customer. however ive watched her and it seems to me that she makes everyone feel that way. Doreen is definitley a assett to this credit union and one of rhe reasons i am and remain a member

5

2Yr CD For Existing Customers

Posted by: QuickSilver | Jul 29, 2015

As irritating as these new customer specials are for existing customers, they do currently offer a 2-3 year CD at 1.61 apy, which is still pretty decent compared to the competition.

And, yes, I have let them know that it is bad marketing to effectively punish existing customers. In my experience, many other credit unions use this practice to attract new business.

7
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Health
B+

Data as of Q4 2016

Learn why bank health matters

Health Grade Components

Overall
NCUA #17587
Year Chartered1966
Employees244
Primary Regulator
Profit Margin
Return on Assets - YTD0.85%
Return on Equity - YTD11.01%
Annual Interest Income$49.0MM
Assets and Liabilities
AssetsQ4 2016vs Q4 2015$1.21B$1.09B
LoansQ4 2016vs Q4 2015$1.03B$897.5MM
DepositsQ4 2016vs Q4 2015$996.5MM$932.3MM
Equity CapitalQ4 2016vs Q4 2015$92.7MM$81.6MM
Secondary CapitalQ4 2016vs Q4 2015$7.0MM
Loan Loss AllowanceQ4 2016vs Q4 2015$9.0MM$8.2MM
Unbacked Noncurrent LoansQ4 2016vs Q4 2015$8.3MM$11.0MM
Real Estate OwnedQ4 2016vs Q4 2015$1.6MM$491.00K
  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.

2.20% APY 36-Month Special CD

ChasR   |  
This deal has produced yet another wrinkle (as if it hasn't had enough already). It looks like anyone with an existing 35-month special CD (1.71% APY) which matures while the promotion is ongoing will have that CD automatically renewed into the 36-month special CD with a 2.20% APY. This happened to me even though the balance in my 35-month CD wasn't "new money" as defined by the promotional terms and even though I had already opened a 36-month CD several weeks back with new money (the promotion says it's limited to one CD per member). In fact, USAlliance allowed me to essentially reinstate my 35-month CD after it had matured and the funds had already been transferred to my savings account there (pursuant to an instruction I'd mailed in over a month ago).
I have no idea whether what happened to me will apply to others with maturing .35-month special CDs. I suggest that anyone in that position call in advance of the maturity date to determine what his or her options are.
7

2.2% APY 36-Month Special CD

ChasR   |  
I just saw on the USAlliance website a paragraph under the tabs "Investments--CDs" to a 2.2% 36-Month CD Special. It says "new money only" but doesn't seem to be limited to new members. I'm investigating.
6

15Mo CD Special No Longer Available

Carpline   |  
USALLIANCE Financial's Current Specials no longer lists the 15mo CD Special.
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%--STAR Account
0.25%--Club Account
0.10%*-$2kSavings Plus Account
OTHER TIERS: 0.05% → $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
2.20%$500-36 Month High Yield CD Special
1.71%$500-60 Month CD
1.46%$500-48 Month CD
1.26%$500-24 Month CD
1.26%$500-24 Month Step-Up CD Special
1.11%$500-18 Month CD
1.01%$500-12 Month CD
1.01%$500-12 Months CD Saver Special
0.95%$500-15 Month CD
0.60%$500-11 Month CD
0.55%$500-9 Month CD
0.40%$500-3 Month CD
0.40%$500-6 Month CD
0.30%$100k-31 - 364 Day Jumbo CD
Locations

USALLIANCE Financial has 22 locations. Click to view all USALLIANCE Financial locations.