USALLIANCE Financial Continues To Offer Top Rate 15-Month CD


Availability: Easy membership

In yesterday’s CD Rates Summary, I noted that USALLIANCE Financial (USALLIANCE) was still offering its 15-month Fixed Certificate Special (1.51% APY), which offers the best rate for CDs with terms around 18 months.

A long-time DA reader contacted me to say he couldn’t find the 15-month Fixed Certificate Special listed in USALLIANCE’s Rate table. After a little investigation, I discovered that USALLIANCE is no longer posting a link to its Certificate Specials on its Home Page, but has moved the link to its Savings Rates page, located just above the "Fixed Rate Certificate Accounts" heading.


  • Minimum deposit is $500.
  • Maximum deposit is $100K.
  • eStatements are required.
  • Only available to new USALLIANCE members. (Current members may qualify through the member referral program.)
  • Limit of one special offer per Social Security number.
  • The MyChoice CD Promo that adds 0.50% does NOT apply.

As stated in USALLIANCE’s Truth In Savings document, the Early Withdrawal Penalty reads as follows:

If your Certificate Account has an original maturity date of less than 18 months the early withdrawal penalty will equal 180 days dividends on the amount withdrawn.

Callability Policy

The Credit Union has the right to call or redeem Certificate Accounts early. To call or redeem your Certificate Account early, the Credit Union will provide 60 days written notice to you. Should the Credit Union exercise this option, your Certificate Account will be redeemed without penalty on the day specified in the notice.

Thanks to DA member, Carpline, for his inquiry about the 15-month Fixed Certificate Special.


The membership field for USALLIANCE Financial is wide and varied, with residency, employment, and charitable organization membership serving as qualifying criteria. USALLIANCE's online application Disclosure page for membership and new accounts details the various membership routes, which have been expanded since I last wrote about USALLIANCE.

Easy Membership:The sixth option (charitable organizations) listed under "How Do You Qualify For Membership," lists eight organizations/associations that can be joined by anyone:

  • WARC
  • Council of Community Service
  • The Rye Arts Center
  • AOPA
  • St. Thomas Orchestra of Mamaroneck
  • Sullivan ARC (Sullivan County residents only)
  • Tread Lightly!
  • New York Historical Society Museum & Library

Residency: Individuals who live, work, or worship in the Massachusetts counties of Barnstable, Essex, Middlesex, Norfolk, Plymouth, Suffolk, or Worcester are eligible for membership. In addition, individuals who live, work, volunteer, worship, attend school, or do business in the city of West Haven, Connecticut, are eligible to join.

Employment: Employees of over 175 companies are eligible to join, including employees or retirees of the state or local government in the New York counties of Columbia, Dutchess, Greene, Orange, Putnam, Rockland, Sullivan, Ulster, or Westchester.

Joining USALLIANCE and/or opening a Certificate can be done online, or at any of the following 23 branch locations:

  • Connecticut – West Haven (2)
  • Massachusetts – Cambridge, Danvers, Malden, and Medford
  • New Jersey – Jersey City
  • New York – Ferndale, Hartsdale, Napanoch (2), New York City (3), Otisville, Port Chester, Rye, Somers, Tarrytown, Wallkill, White Plains, and Woodbourne (2)

Credit Union Overview

USALLIANCE Financial has an overall health grade of "B+" at, with a Texas ratio of 12.43% (above average) based on September 30, 2015 data. In the past year, USALLIANCE Financial increased its total deposits by $97.8 Million, an excellent annual growth rate of 11.92%. Please refer to our financial overview of USALLIANCE Financial for more details.

USALLIANCE Financial was chartered in 1966 (NCUA Charter # 17587) as a credit union for IBM employees. Formerly known as USAlliance Federal Credit Union, the Credit Union did a rebrand in September 2015 to "help drive home all that we have to offer to potential members." From humble beginnings in the company's basement cafeteria, USALLIANCE has grown to over 83,000 world-wide members and with assets in excess of $1 Billion.

How the CD Compares

When compared to the 99 similar length-of-term CDs tracked by, requiring a similar minimum deposit and available nationally, USALLIANCE Financial’s 15-month Fixed Certificate Special clearly has little competition.

The above rates are accurate as of 2/3/2016.

To look for the best nationwide CD rates and the best CD rates in your state, please refer to our CD rates table or our new Rates Map page.

Ricochet   |     |   Comment #7
to take this off topic for a moment, those who also took out a   My Life Savings Account of $500 @ 3%
I forgot about this acct for awhile. The balance went over $500 due to interest added and dropped to .20%.  Be sure to make a w/d once before the end of the month.
Anonymous   |     |   Comment #10
I took all the money over $500 out and will pull the rest soon.
I found that the interest over $500 does NOT pull the entire balance down to .20%
But any amount over 500 does turn the acct into a blended rate percent.
The more over, the less the interest on the balance
3% on 500--- and .02% on 100 brings rate to  2.49%
Anonymous   |     |   Comment #9
Which charitable organization is the cheapest to join?  I can't seem to find the fees.
Anonymous   |     |   Comment #11
You can join much money do you have?  :-)
USALLIANCE Financial Adds 5-Month CD Special - New Members

UPDATE 1/28/2016: No longer available

UPDATE 12/10/2015: Maximum deposit is now $25K.

Availability: Easy membership

First, the good news: USALLIANCE Financial (USALLIANCE) has just added a new 5-month Fixed CD Special (3.05% APY).

Now, the caveats: the 5-month Fixed CD Special is only available to new members and must be opened using USALLIANCE’s mobile app (Smartphone or tablet) OR the mobile website.


  • Minimum deposit is $500.
  • Maximum deposit is $10K $25K.
  • eStatements are required.
  • Only available to new USALLIANCE members.
  • Only one 5-month Fixed CD Special per Social Security number.

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USALLIANCE Financial Revives 25-Month CD Special

UPDATE 10/2/2015: 13-month CD Special is no longer listed on USALLIANCE Financial's website.

UPDATE 9/27/2015: 25-month CD Special is no longer listed on USALLIANCE Financial's website.

Availability: Easy membership

USAlliance Federal Credit Union is now USALLIANCE Financial.

According to the Credit Union, the new name is a rebrand to "help drive home all that we have to offer to potential members."

In addition to the new name, USALLIANCE Financial (USALLIANCE) has brought back its perennial favorite, the 25-month CD Special (2.28% APY). DA readers may recall that this 25-month CD Special appears, disappears,...

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USAlliance FCU's "Summer Blow Out" Rate On 25-Month CD Special

UPDATE 8/20/2015: The 25-month CD Special has been withdrawn.

UPDATE 8/4/2015: According to USAlliance's website, "This special rate offer has been extended for a limited time."

Availability: Easy membership

This is the latest installation in the tale of USAlliance Federal Credit Union's (USAlliance) somewhat elusive and ever changing 25-month CD Special. DA readers may remember that this CD Special appears, disappears, then re-appears, and occasionally there’s a rate hike in the mix.

It’s back again: 25-month CD Special (2.27% APY).

USAlliance's website phrased it rather succinctly:


  • Minimum deposit is $500.
  • Maximum deposit...

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USAlliance Federal CU Raises Rate On 25-Month Fixed Certificate Again

UPDATE 6/12/2015: It's back! DA member, Sylvia, posted in the Forum that the 25-month Fixed Certificate is once again listed on USAlliance's online application. The current rate is 2.01% APY.

UPDATE 5/30/2015: I have confirmed what several DA readers have posted in the Comments section: the 25-month Fixed Certificate is no longer available.

DA readers may remember my "Good News, Not-So-Good News, and Strange News " blog in the beginning of May concerning USAlliance Federal Credit Union's (USAlliance) 15-month Certificate Special (1.51% APY) and 25-month Fixed...

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USAlliance Federal CU Has Top Rate 15-month and 25-month CD Specials

UPDATE 5/28/2015: Rate has been raised on 25-month Fixed CD (2.27% APY). Details can be found here.

To quote member, Cumulus’ May 3, 2015, Forum posting, USAlliance Federal Credit Union's (USAFCU) two new Certificates (CDs) come with "good news, not-so-good news, and strange news." While not the typical way to portray an offering, it certainly is an apt description of these CDs.

Good News

  • Two new CD offerings: 15-month CD Special (1.51% APY) and 25-month Fixed CD (2.01% APY).
  • Minimum deposit of $500.

Not-So-Good News

  • These CDs are only available to...

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