What are the current interest rates at USAlliance Financial?

Current rates for USAlliance Financial include: 12-Month CD: 3.90%, 18-Month CD: 3.95%, 24-Month CD: 3.95%, 36-Month CD: 3.95%, 48-Month CD: 3.95%, 60-Month CD: 3.95%, Savings: 0.02%, MMA: 0.05%

USAlliance Financial Rates and Review February 2026

Content reviewed by

Brian McKay

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USAlliance Financial Deposit Rates

USAlliance Financial's 12-Month 12-Month Certificate rates are at 4.15%, 12-Month Certificate Account 12-Month Rate Special rates are at 4.15%, 18-Month 18-Month Certificate rates are at 3.95%, 18-Month Certificate Account 18-Month Rate Special rates are at 3.95%, 24-Month Certificate Account 24-Month Rate Special rates are at 3.95%. USAlliance Financial's savings rates are at 0.02%. USAlliance Financial's money market rates are at 0.05%.

USAlliance Financial

Rate Updates and Availability

USAlliance Financial money market rates, and other rates, are continually updated to reflect market conditions, we recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at USAlliance Financial? Share your experience about USAlliance Financial by leaving a review below, or read customer reviews before you decide to use USAlliance Financial.

MonitorBankRates Rating

5.0

Excellent

Out of 5.0 Stars

USAlliance Financial has earned a Smart Rating of 5.0 out of 5 stars. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Overall, USAlliance Financial is a excellent bank worth considering, with an overall rating of 5.0 stars out of 5 stars.

Current Interest Rates

Rate

APY/APR

vs. Avg

12-Month CD

3.90%

2.38%

18-Month CD

3.95%

2.14%

24-Month CD

3.95%

2.17%

36-Month CD

3.95%

2.11%

48-Month CD

3.95%

2.10%

60-Month CD

3.95%

2.23%

Savings

0.02%

0.60%

MMA

0.05%

0.75%

30-Year Fixed

N/A

6.09%

Credit Card

N/A

14.10%

Personal Loan

N/A

11.27%

"N/A" indicates the product is not offered or the rate is unavailable.

USAlliance Financial Savings Rates

Product	Rate	APY
High Dividend Savings	-	3.40%
No additional details. Last Updated 02/13/2026
MyLife Savings (on the first	1.98%	2.00%
Min Deposit$1 Details$500 Last Updated 02/13/2026
MyLife Savings for Kids (on the first	1.98%	2.00%
Min Deposit$1 Details$500 Last Updated 02/13/2026
MyLife Savings (Amounts	0.02%	0.02%
Min Deposit$1 Detailsover $500 Last Updated 02/13/2026
MyLife Savings for Kids (Amounts	0.02%	0.02%
Min Deposit$1 Detailsover $500 Last Updated 02/13/2026

USAlliance Financial Money Market Rates

Product	Rate	APY
MyLife Money Market	0.60%	0.60%
Min Deposit$1,000,000 DetailsAmounts $1,000,000-$99,999,999.99 Last Updated 02/13/2026
MyLife Money Market	0.50%	0.50%
Min Deposit$500,000 DetailsAmounts $500,000-$999,999.99 Last Updated 02/13/2026
MyLife Money Market	0.40%	0.40%
Min Deposit$250,000 DetailsAmounts $250,000-$499,999.99 Last Updated 02/13/2026
MyLife Money Market	0.25%	0.25%
Min Deposit$100,000 DetailsAmounts $100,000 - $249,999.99 Last Updated 02/13/2026
MyLife Money Market	0.15%	0.15%
Min Deposit$50,000 DetailsAmounts $50,000 - $99,999.99 Last Updated 02/13/2026
MyLife Money Market	0.10%	0.10%
Min Deposit$10,000 DetailsAmounts $10,000 - $49,999.99 Last Updated 02/13/2026
MyLife Money Market	0.07%	0.07%
Min Deposit$2,000 DetailsAmounts $2,000 - $9,999.99 Last Updated 02/13/2026
MyLife Money Market	-	0.05%
Min Deposit$0 DetailsAmounts less than $2,000 Last Updated 02/13/2026

USAlliance Financial Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Loan	-	-	6.93%
Detailsas low as Last Updated 02/13/2026
Home Equity Loan	7.25%	-	7.48%	10 Year
DetailsPrimary Residence - 80% CLTV Last Updated 02/13/2026
Home Equity Loan	7.13%	-	7.55%	5 Year
DetailsPrimary Residence - 90% CLTV Last Updated 02/13/2026
Home Equity Loan	7.50%	-	7.67%	15 Year
DetailsPrimary Residence - 80% CLTV Last Updated 02/13/2026
Home Equity Loan	7.63%	-	7.76%	20 Year
DetailsPrimary Residence - 80% CLTV Last Updated 02/13/2026
Home Equity Loan	7.75%	-	7.98%	10 Year
DetailsPrimary Residence - 90% CLTV Last Updated 02/13/2026
Home Equity Loan	8.00%	-	8.17%	15 Year
DetailsPrimary Residence - 90% CLTV Last Updated 02/13/2026
Home Equity Loan	8.13%	-	8.26%	20 Year
DetailsPrimary Residence - 90% CLTV Last Updated 02/13/2026

USAlliance Financial Auto Loan Rates

Product	Rate	Points	APR	Term	View More
Auto Loan	-	-	5.24%
No additional details. Last Updated 02/13/2026

USAlliance Financial Credit Card Rates

Product	Rate	Points	APR
Visa Classic Card	-	-	12.24%
No additional details. Last Updated 02/13/2026
Visa® Classic	12.24%	-	12.24%
No additional details. Last Updated 02/13/2026
Visa® Signature	16.24%	-	16.24%
No additional details. Last Updated 02/13/2026

USAlliance Financial Personal Loan Rates

Product	Rate	Points	APR	Term
Personal Loan	-	-	12.24%	0 to 24 Months
No additional details. Last Updated 02/13/2026
Personal Loan	-	-	12.49%	25 to 36 Months
No additional details. Last Updated 02/13/2026
Personal Loan	-	-	12.99%	37 to 48 Months
No additional details. Last Updated 02/13/2026
Personal Loan	-	-	13.49%	49 to 60 Months
No additional details. Last Updated 02/13/2026
Personal Loan	-	-	13.99%	61 to 72 Months
No additional details. Last Updated 02/13/2026
Personal Loan	-	-	14.99%	73 to 84 Months
No additional details. Last Updated 02/13/2026

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for USAlliance Financial is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather USAlliance Financial rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with USAlliance Financial's official website for the most current offers and terms.

Customer Reviews

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Total Reviews

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Frequently Asked Questions About USAlliance Financial

How do I open an account at USAlliance Financial?

You can typically open an account at USAlliance Financial by visiting a local branch or applying through their official website.

Is there a first-time homebuyer program?

Currently, USAlliance Financial provides a range of mortgage and home equity products.

Is USAlliance Financial a safe place to deposit money?

Yes, USAlliance Financial is considered a safe financial institution. Your accounts are federally insured by the FDIC up to $250,000 per depositor.