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  2. USALLIANCE Financial

USALLIANCE Financial


Popular Accounts at this Credit Union

APYACCOUNT TYPEACCOUNT NAME
2.00%2-year CD25 Month CD
1.65% - Synchrony Bank 24 Month CD
0.89%1-year CD11 Month CD
1.50% - Ally Bank No Penalty 11-Month CD
2.22%4-year CD48 Month CD
1.50% - Ally Bank Raise Your Rate 4-Year CD
View all USALLIANCE Financial rates »

Overview / Commentary
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

USALLIANCE Financial Ups Long Term Certificate Account Rates - 9/4/2017

USALLIANCE Financial has raised the rates on its 25-month (2.00% APY), 36-month (2.173% APY), and 48-month (2.22% APY) Certificate Accounts. Min deposit is $500.

48- And 60-Month CD Rate Hikes - 9/3/2017

New rates for these two long-term CDs. Minimum deposit is $500. 48mo - 2.22% APY +38 bps 60mo - 2.28% APY +41 bps

25-Month And 36-Month CD Rates - 9/1/2017

I just noticed that, as of 9/1/17, USAlliance is posting a 25-month CD rate of 2.00% APY and a 36-month CD rate of 2.173% APY.

View all posts from:


Reviews (33)

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!

7

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.

6

36 Mo. August 2017 CD Special

Posted by: zaqxsw | Aug 31, 2017

Surprisingly, this was for existing members only, not for the public or new members. Speaks well for their loyalty to existing members!

It ended today, 8/31, for members.

2

Annoyed While On Vacation

Posted by: Nikkicole | Jul 20, 2017

I spoke with a manager at the bank and was told that no one could deposit my check for me while I was on vacation. As my bill payments were due to be withdrawn out of my account, it led to so many overdraft fees. I then had to leave my vacation and drive all the back to Ct to deposit the check myself. Had I know that someone else could actually make the deposit for me, that would have saved all those overdraft fees and the drive back. I'm so upset right now and heading back down south annoyed. Everyone should always give the customer accurate information

1
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Health
B+

Data as of Q2 2017

Learn why bank health matters

Health Grade Components

Overall
NCUA #17587
Year Chartered1966
Employees247
Primary Regulator
Profit Margin
Return on Assets - YTD0.89%
Return on Equity - YTD11.42%
Annual Interest Income$25.7MM
Assets and Liabilities
AssetsQ2 2017vs Q2 2016$1.28B$1.17B
LoansQ2 2017vs Q2 2016$1.09B$976.4MM
DepositsQ2 2017vs Q2 2016$1.01B$991.0MM
Equity CapitalQ2 2017vs Q2 2016$98.3MM$87.6MM
Secondary CapitalQ2 2017vs Q2 2016$7.0MM
Loan Loss AllowanceQ2 2017vs Q2 2016$9.2MM$7.8MM
Unbacked Noncurrent LoansQ2 2017vs Q2 2016$7.3MM$8.0MM
Real Estate OwnedQ2 2017vs Q2 2016$976.00K$1.0MM
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.

48- And 60-Month CD Rate Hikes

Carpline |
New rates for these two long-term CDs. Minimum deposit is $500.

48mo - 2.22% APY +38 bps
60mo - 2.28% APY +41 bps
3

25-Month And 36-Month CD Rates

ChasR |
I just noticed that, as of 9/1/17, USAlliance is posting a 25-month CD rate of 2.00% APY and a 36-month CD rate of 2.173% APY.
2

2.28% APY 36 Mth, 2.02% 24 Mth, 1.51% 15 Mth. $500 Minimum

Sylvia |
According to e-mail I received, this suite of CDs make up their unadvertised specials called “Cooperative Rewards.” Offer is available through August 31 w/promo code “COOPCD”. Enrollment in e-statements required.

"In the spirit of helping you live life fully this summer we're offering you access to our Cooperative Rewards CD Special, available exclusively to members like you. This offer will not be advertised to the public- you won't even see it on our website!"

I had a CD mature w/them a month ago (2.01% 25 Mth). Proceeds have long been moved.
4

Rate Changes

ChasR |
USAlliance seems to have just posted new savings and CD rates, effective today. These rates--none of which I found, after cursory perusal, to be all that interesting--were referenced in an email I received from the credit union urging me to "stick with us." The most significant CDrate change I saw was 1.60% APY for two years, up from 1.30%.
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%$25-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
2.28%$500-60 Month CD
2.22%$500-48 Month CD
2.17%$500-36 Month CD
2.00%$500-25 Month CD
1.82%$500-24 Month CD
1.66%$500-36 Month Step-Up CD Special
1.56%$500-24 Month Step-Up CD Special
1.46%$500-18 Month CD
1.31%$500-15 Month CD
1.16%$500-12 Month CD
1.16%$500-12 Months CD Saver Special
0.89%$500-11 Month CD
0.85%$500-9 Month CD
0.80%$500-6 Month CD
0.60%$500-3 Month CD
0.30%$100k-31 - 364 Day Jumbo CD
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