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USALLIANCE Financial

Popular Accounts at this Credit Union

APYACCOUNT TYPEACCOUNT NAME
1.71%3-year CD35 Month CD Special
1.55% - Ally Bank High Yield 3 Year CDAdvertisement
0.60%1-year CD11 Month CD
1.05% - Ally Bank High Yield 12-Month CDAdvertisement
1.71%5-year CD60 Month CD
1.85% - Synchrony Bank 60 Month CDAdvertisement
View all USALLIANCE Financial rates »

Overview / Commentary
www.usalliance.org
800-431-2754
411 Theodore Fremd Ave
Rye, NY 10580

USALLIANCE Financial is headquartered in Rye and is the 17th largest credit union in the state of New York. It is also the 216th largest credit union in the nation. It was established in 1966 and as of June of 2016, it had grown to 247 employees and 93,890 members at 23 locations. USALLIANCE Financial's money market rates are 2X the national average, and it has a B+ health rating.

Field of Membership Restrictions

Membership is open to anyone through membership in Tread Lightly! association. Membership is open to those who live, work, or worship in the Massachusetts counties of Barnstable, Essex, Middlesex, Norfolk, Plymouth, Suffolk, or Worcester, and the city of West Haven, Connecticut, to employees or retirees of the state or local government in one of these NY counties: Columbia, Dutchess, Greene, Orange, Putnam, Rockland, Sullivan, Ulster, Westchester or select employers or through a membership in a sponsor association.
See current membership details

Related Posts

New Website - 8/3/2016

USALLIANCE FInancial has a new website.  The 15-month and 35-month CD Specials are still being offered, but are currently not visible on the website.  I did a Chat ... James: Are the 15- and 35-month CD Specials still available? James: I don't see them on the new website. Joe: Hi, yeah it is a little different, there's an icon on the right that brings up a menu, from there once you click on Rates it's mostly the same from that point, but yes the CD's are still available. James: I must be blind, but I don't see the 15- and 35-month Specials listed. I clicked on the icon, clicked on Rates, and I don't see it. James: About Us - Rates - Savings Rates Joe: There is a link underneath that that says "View our current CD specials" which is how it used to be. The link doesn't seem to be working right now, I've notified someone to look at that, but I can tell you they ar

USALLIANCE Financial Continues To Offer Top Rate 15-Month CD - 2/3/2016

USALLIANCE Financial (easy membership) continues to offer a top-rate 15-month Fixed Certificate Special (1.51% APY). Minimum deposit is $500, with a balance cap of $100K.

USALLIANCE Financial Adds 5-Month CD Special - New Members - 11/6/2015

USALLIANCE Financial has a 5-month Fixed CD Special (3.05% APY) available to new members only. Min deposit $500/max deposit $10K. Must be opened using mobile app.

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Reviews (23)

Great Service

Posted by: FC611 | Sep 8, 2016

I needed a fence and I was unsure if I wanted to pay for it out of my savings or do a loan with the credit union. I decided on the loan after discussion with one of the branch member's at the VA Hospital location. Randall was very knowledgable and extremely pleasant to work with, he made the whole experience seamless. I appreciated his understanding to my sometimes hectic work schedule and abilities to let me sign electronically. I thought it couldn't get much better then that when I spoke with Jackie who helped me to get through the e-signing progress and explained even more when I asked questions about the loan. I was astonished at her service and how hands on she was by treating me like a friend. That experience is why I will return to USALLIANCE for future needs. I even got their credit card after speaking with both Randall and Jackie, the rate is much lower and the benefits are greater then my previous cards with other companies. I just wanted to point out these two for their exceptional work and again thank them for everything!

2

The Best Customer Service

Posted by: Patrick22 | May 17, 2016

I visited the West Haven Branch, located in the VA hospital. I came in because I was trying to apply for a loan and the young lady I dealt with, Michelle, was just amazing. She took the time out to go over everything with me, suggest things that would help me build up my credit. I have never had a banking experience like that, she took so much time out of her day to help me. It seemed like she genuinely cared about me and trying to help me! You guys earned a customer for life due to her customer service.

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.

6

Requires Unnecessary Information

Posted by: Haldor | Mar 4, 2016

I am a long standing customer (20 years) with checking account, and wanted to add a saving account. I login and began filling out their required form. Although it would seem that verification questions at this point (since I have an account with them) would be unnecessary--such as all the information about my driver license--I dutifully filled them in. But after a point it seemed invasive, obviously information to build a profile of me for their sales, etc. For example, do they need to know my occupation, how much my salary is, whether I own or rent, or have a mortgage? All of this just for a savings account when I am already a customer? It was too much, very offensive. In addition to this: Why would I trust them with all this information when so many companies do not have the needed security to protect this information from hackers? No doubt they have lost customers over this approach and they are about to lose me and the use of my money for which they have provided me almost no interest all of these years.

9
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Health
B+

Data as of Q2 2016

Learn more about bank health

Health Grade Components

Overall
NCUA #17587
Year Chartered1966
Employees247
Primary Regulator
Profit Margin
Return on Assets - YTD0.92%
Return on Equity - YTD12.24%
Annual Interest Income$24.0MM
Assets and Liabilities
AssetsQ2 2016vs Q2 2015$1.17B$1.02B
LoansQ2 2016vs Q2 2015$976.4MM$840.2MM
DepositsQ2 2016vs Q2 2015$991.0MM$869.0MM
Equity CapitalQ2 2016vs Q2 2015$87.6MM$78.1MM
Loan Loss AllowanceQ2 2016vs Q2 2015$7.8MM$6.4MM
Unbacked Noncurrent LoansQ2 2016vs Q2 2015$8.0MM$10.1MM
Real Estate OwnedQ2 2016vs Q2 2015$1.0MM$477.00K
  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.

New Website

Carpline   |  
USALLIANCE FInancial has a new website.  The 15-month and 35-month CD Specials are still being offered, but are currently not visible on the website.  I did a Chat ...

James: Are the 15- and 35-month CD Specials still available?
James: I don't see them on the new website.
Joe: Hi, yeah it is a little different, there's an icon on the right that brings up a menu, from there once you click on Rates it's mostly the same from that point, but yes the CD's are still available.
James: I must be blind, but I don't see the 15- and 35-month Specials listed. I clicked on the icon, clicked on Rates, and I don't see it.
James: About Us - Rates - Savings Rates
Joe: There is a link underneath that that says "View our current CD specials" which is how it used to be. The link doesn't seem to be working right now, I've notified someone to look at that, but I can tell you they are still there.
6

Rates
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* 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%*$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
1.71%$500-60 Month CD
1.71%$500-35 Month CD Special
1.51%$100k-15 Month CD Special
1.46%$500-48 Month CD
1.26%$500-24 Month CD
1.26%$500-36 Month CD
1.26%$500-24 Month Step-Up CD Special
1.11%$500-18 Month CD
1.01%$500-3 Year Variable CD
0.75%$500-12 Month CD
0.70%$500-15 Month CD
0.60%$500-11 Month CD
0.58%$500-1 Year Variable CD
0.55%$500-9 Month CD
0.40%$500-3 Month CD
0.40%$500-6 Month CD
0.30%$100k-31 Day Jumbo CD
Locations

USALLIANCE Financial has 23 locations. Click to view all USALLIANCE Financial locations.