Overview / Commentary
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 Ups CDs, 9-month 2.50% APY, 15-month 2.70% APY - 9/9/2019

USALLIANCE Financial (easy membership) has raised the rates on two of its Certificate Specials: 9-month (2.50% APY) and 15-month (2.70% APY). $500 min deposit.

Usalliance Continues Rate Drops, Flattens Long End - 7/1/2019

New rates:               Rate     APY     Term    Minimum Balance Required 60 Month 2.567% 2.60% 5 Years $500 48 Month 2.567% 2.60% 4 Years $500 36 Month 2.567% 2.60% 3 Years $500 24 Month 2.469% 2.50% 2 Years $500 18 Month 2.225% 2.25% 18 Months $500 12 Month 2.274% 2.30% 1 Year $500

USALLIACE Correction - 6/14/2019

The CD Promo from USALLIANCE that is gone was for a 12 month CD at 3% APY, NOT 2.95% APY

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).

Convenient, Easy And Excellent Service!

Posted by: EDMB01752 | Aug 21, 2019

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!

Fair And Reasonable Place To Bank

Good folks at this credit union — honest business with strong value. Emphasis on doing the right thing. I feel like the rates are always fair, if not totally top of market. I use them primarily online.

$5.00 Per Withdrawal

Posted by: henryr | May 1, 2019

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

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.



Health Grade Components

NCUA #17587
Year Chartered1966
Primary Regulator
Profit Margin
Return on Assets - YTD0.93%
Return on Equity - YTD12.95%
Annual Interest Income$38.5MM
Assets and Liabilities
AssetsQ2 2019vs Q2 2018$1.81B$1.59B
LoansQ2 2019vs Q2 2018$1.53B$1.37B
DepositsQ2 2019vs Q2 2018$1.34B$1.18B
Equity CapitalQ2 2019vs Q2 2018$127.3MM$112.3MM
Secondary CapitalQ2 2019vs Q2 2018$19.1MM
Loan Loss AllowanceQ2 2019vs Q2 2018$12.7MM$11.1MM
Unbacked Noncurrent LoansQ2 2019vs Q2 2018$8.6MM$9.1MM
Real Estate OwnedQ2 2019vs Q2 2018$1.5MM$412.00K
  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 Continues Rate Drops, Flattens Long End

CapitalClimate   |  
New rates:
              Rate     APY     Term    Minimum Balance Required
60 Month 2.567% 2.60% 5 Years $500
48 Month 2.567% 2.60% 4 Years $500
36 Month 2.567% 2.60% 3 Years $500
24 Month 2.469% 2.50% 2 Years $500
18 Month 2.225% 2.25% 18 Months $500
12 Month 2.274% 2.30% 1 Year $500

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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

3.05%*-$500MyLife Savings
OTHER TIERS: 0.02% $500+
3.05%*$1$500MyLife Kids Savings
OTHER TIERS: 0.02% $500+
2.10%$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

2.50%*$1m*-MyLife Money Market
OTHER TIERS: 0.05% Up to $2k | 0.40% $2k - $10k | 0.65% $10k - $50k | 1.05% $50k - $100k | 1.25% $100k - $250k | 1.75% $250k - $500k | 2.25% $500k - $1m
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

2.70%$500$100k15 Month CD Special
2.60%$500-36 Month CD
2.60%$500-48 Month CD
2.60%$500-60 Month CD
2.50%$500-24 Month CD
2.50%$500$15k9 Month CD Special
2.30%$500-12 Month CD
2.25%$500-18 Month CD
2.25%$500-24 Month Step-Up CD
2.05%$500-12 Month Step-Up CD
2.00%$500-9 Month CD
1.85%$500-6 Month CD
1.60%$500-3 Month CD

Sorry, but we do not have location data for USALLIANCE Financial. Its headquarters is located at 411 Theodore Fremd Ave - Rye, NY 10580

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