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USAlliance Financial Credit Union

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USAlliance Financial Credit Union Rates & Review November 2026

Q: What are the current interest rates at USAlliance Financial Credit Union?

Current rates for USAlliance Financial Credit Union include: 12-Month CD: 4.65%, 18-Month CD: 5.05%, 24-Month CD: 3.85%, 60-Month CD: 3.95%, Savings: 3.55%, MMA: 0.60%

Q: What CD terms does USAlliance Financial Credit Union offer?

USAlliance Financial Credit Union CD rates are 5.00% APY for a 12 month CD, 5.05% APY for an 18 month CD, 4.20% APY for a 2 year CD, 3.95% APY for a 3 year CD, 3.95% APY for a 4 year CD and 3.95% APY for a 5 year CD, verified by MonitorBankRates as of October 31, 2026. The institution may offer other terms or specials that are not listed here, so check with USAlliance Financial Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 31, 2026

USAlliance Financial Credit Union's 18 Month Rollover Rate CD rates are at 5.05%, 12 Month Rollover Rate CD rates are at 5.00%, 24 Month Rollover Rate CD rates are at 4.20%, 36 Month Rollover Rate CD rates are at 3.95%, 48 Month CD rates are at 3.95%. USAlliance Financial Credit Union's savings rates are at 3.55%. USAlliance Financial Credit Union's money market rates are at 0.60%. USAlliance Financial Credit Union's Jumbo 5 Year Adjustable (ARM) rates are at 6.50%, Conforming Loan - 10 Year Fixed rates are at 6.50%, Conforming Loan - 5 Year Adjustable (ARM) rates are at 6.50%, Jumbo 7 Year Adjustable (ARM) rates are at 6.75%, Conforming Loan - 15 Year Fixed rates are at 6.75%. USAlliance Financial Credit Union's Personal Loan Rates are as low as 12.24%. USAlliance Financial Credit Union's Credit Card Rates are at 12.49%. USAlliance Financial Credit Union's CD rates are 52% higher than the MonitorBankRates national average. MonitorBankRates has no NCUA call report data for USAlliance Financial Credit Union (no charter number on file), so it is not rated. Rates last updated and verified on 10/31/2026.

USAlliance Financial Credit Union 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 Credit Union? Share your experience about USAlliance Financial Credit Union by leaving a review below, or read customer reviews before you decide to use USAlliance Financial Credit Union.

Overall Health & Safety Grade

N/A

Not Rated No current filing

MonitorBankRates Rating

N/A

Not Rated No current filing

Texas Ratio

N/A

Not Rated No data

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USAlliance Financial Credit Union CD Rates

Product	Rate	APY	Term
18 Month Rate Special Certificate	4.927%	5.05%	18 Months
Min Balance $500 Details Promotional rate; Members log in to open Last Updated 10/31/2026 Rate History 1 change since Oct 1, 2026 · 4.10% → 5.05% ▲ 0.95 pts · high 5.05% / low 4.10% Oct 26, 20265.05%▲ from 4.10% Oct 1, 20264.10%first recorded
18 Month Rollover Rate Certificate	4.927%	5.05%	18 months
Details Rollover Rate: current regular certificate rate for 18 months upon automatic renewal Last Updated 10/31/2026 Rate History 1 change since Oct 1, 2026 · 4.10% → 5.05% ▲ 0.95 pts · high 5.05% / low 4.10% Oct 26, 20265.05%▲ from 4.10% Oct 1, 20264.10%first recorded
12 Month Rate Special Certificate	4.88%	5.00%	12 Months
Min Balance $500 Details Promotional rate; Members log in to open Last Updated 10/31/2026 Rate History 1 change since Oct 1, 2026 · 4.50% → 5.00% ▲ 0.50 pts · high 5.00% / low 4.50% Oct 26, 20265.00%▲ from 4.50% Oct 1, 20264.50%first recorded
12 Month Rollover Rate Certificate	4.88%	5.00%	12 months
Details Rollover Rate: current regular certificate rate for 12 months upon automatic renewal Last Updated 10/31/2026 Rate History 1 change since Oct 1, 2026 · 4.50% → 5.00% ▲ 0.50 pts · high 5.00% / low 4.50% Oct 26, 20265.00%▲ from 4.50% Oct 1, 20264.50%first recorded
12 Month Step-Up	4.546%	4.65%	12 Months
Min Balance $500 Details Member can request a one-time rate increase prior to maturity to match the USALLIANCE rate posted for the current Step-Up certificate with the same original maturity (12 or 24 months) Last Updated 10/31/2026 Rate History 1 change since Sep 30, 2026 · 3.80% → 4.65% ▲ 0.85 pts · high 4.65% / low 3.80% Oct 26, 20264.65%▲ from 3.80% Sep 30, 20263.80%first recorded
24 Month Rate Special Certificate	4.115%	4.20%	24 Months
Min Balance $500 Details Promotional rate; Members log in to open Last Updated 10/31/2026 Rate History No change since Oct 1, 2026 · 4.20% APY · checked 4 times
24 Month Rollover Rate Certificate	4.115%	4.20%	24 months
Details Rollover Rate: current regular certificate rate for 24 months upon automatic renewal Last Updated 10/31/2026 Rate History No change since Oct 1, 2026 · 4.20% APY · checked 5 times
36 Month Rate Special Certificate	3.874%	3.95%	36 Months
Min Balance $500 Details Promotional rate; Members log in to open Last Updated 10/31/2026 Rate History No change since Oct 1, 2026 · 3.95% APY · checked 4 times
36 Month Rollover Rate Certificate	3.874%	3.95%	36 months
Details Rollover Rate: current regular certificate rate for 36 months upon automatic renewal Last Updated 10/31/2026 Rate History No change since Oct 1, 2026 · 3.95% APY · checked 5 times
48 Month Certificate	3.874%	3.95%	48 Months
Min Balance $500 Details Members log in to open Last Updated 10/31/2026 Rate History No change since Sep 30, 2026 · 3.95% APY · checked 5 times
60 Month Certificate	3.874%	3.95%	60 months
Min Balance $500 Details Members log in to open Last Updated 10/31/2026 Rate History No change since Sep 30, 2026 · 3.95% APY · checked 5 times
24 Month Step-Up	3.778%	3.85%	24 Months
Min Balance $500 Details Member can request a one-time rate increase prior to maturity to match the USALLIANCE rate posted for the current Step-Up certificate with the same original maturity (12 or 24 months) Last Updated 10/31/2026 Rate History 1 change since Sep 30, 2026 · 3.70% → 3.85% ▲ 0.15 pts · high 3.85% / low 3.70% Oct 26, 20263.85%▲ from 3.70% Sep 30, 20263.70%first recorded
3 Month Certificate	3.731%	3.80%	3 Months
Min Balance $500 Details Members log in to open Last Updated 10/31/2026 Rate History No change since Sep 30, 2026 · 3.80% APY · checked 5 times
6 Month Certificate	3.73%	3.80%	6 Months
Min Balance $500 Details Members log in to open Last Updated 10/31/2026 Rate History No change since Sep 30, 2026 · 3.80% APY · checked 5 times
9 Month Certificate	3.73%	3.80%	9 Months
Min Balance $500 Details Members log in to open Last Updated 10/31/2026 Rate History No change since Sep 30, 2026 · 3.80% APY · checked 5 times

USAlliance Financial Credit Union Savings Rates

Product	Rate	APY
High Dividend Savings	3.489%	3.55%
Min Balance $500 Details Term: DD/DW (Day of Deposit/Day of Withdrawal); Rate May Change: Daily; Members log in to open Last Updated 10/31/2026 Rate History 1 change since Sep 30, 2026 · 3.40% → 3.55% ▲ 0.15 pts · high 3.55% / low 3.40% Oct 26, 20263.55%▲ from 3.40% Sep 30, 20263.40%first recorded
MyLife Savings	1.981%	2.00%
Min Balance $1 Details $500; Balance: $0.00 - $500.00; Term: DD/DW (Day of Deposit/Day of Withdrawal); Rate May Change: Daily; Members log in to open Last Updated 10/31/2026 Rate History No change since Sep 30, 2026 · 2.00% APY · checked 8 times
MyLife Savings for Kids	1.981%	2.00%
Min Balance $1 Details $500; Balance: $0.00 - $500.00; Term: DD/DW (Day of Deposit/Day of Withdrawal); Rate May Change: Daily; Contact Member Services to open Last Updated 10/31/2026 Rate History No change since Oct 26, 2026 · 2.00% APY · checked 2 times
STAR Account, IRA retirement savings account only (Traditional, Roth, SEP, SIMPLE)	0.40%	0.40%
Min Balance $25 Last Updated 10/31/2026 Rate History No change since Sep 30, 2026 · 0.40% APY · checked 6 times
Super Savings Money Manager	0.25%	0.25%
Min Balance $25,000 Details If minimum balance is maintained Last Updated 10/31/2026 Rate History No change since Sep 30, 2026 · 0.25% APY · checked 8 times
Savings Plus	0.10%	0.10%
Min Balance $500 Details Balance: Amounts > $2,000 Last Updated 10/31/2026 Rate History No change since Sep 30, 2026 · 0.10% APY · checked 8 times
Savings Plus	0.05%	0.05%
Min Balance $1 Details Balance: on the first $2,000 Last Updated 10/31/2026 Rate History No change since Sep 30, 2026 · 0.05% APY · checked 8 times
Share Mgmt, Kids, Teen and Health Savings Accounts	0.05%	0.05%
Min Balance $1 Details Balance: Amounts > $2,000 Last Updated 10/31/2026 Rate History No change since Sep 30, 2026 · 0.05% APY · checked 8 times
Super Savings Money Manager	0.05%	0.05%
Min Balance $25,000 Details If balance falls below minimum Last Updated 10/31/2026 Rate History No change since Sep 30, 2026 · 0.05% APY · checked 8 times
MyLife Savings	0.02%	0.02%
Min Balance $500 Details over $500; Balance: $500.01 and over; Term: DD/DW (Day of Deposit/Day of Withdrawal); Rate May Change: Daily Last Updated 10/31/2026 Rate History No change since Oct 26, 2026 · 0.02% APY · checked 2 times
MyLife Savings for Kids	0.02%	0.02%
Min Balance $500 Details over $500; Balance: $500.01 and over; Term: DD/DW (Day of Deposit/Day of Withdrawal); Rate May Change: Daily Last Updated 10/31/2026 Rate History No change since Oct 26, 2026 · 0.02% APY · checked 2 times
Share Mgmt, Kids, Teen and Health Savings Accounts	0.02%	0.02%
Min Balance $1 Details Balance: on the first $2,000 Last Updated 10/31/2026 Rate History No change since Sep 30, 2026 · 0.02% APY · checked 8 times

USAlliance Financial Credit Union Money Market Rates

Product	Rate	APY
MyLife Money Market	0.598%	0.60%
Min Balance $1,000,000 Details Balance: $1,000,000 - $99,999,999.99; Rate May Change: Daily Last Updated 10/31/2026 Rate History No change since Oct 10, 2026 · 0.60% APY · checked 5 times
MyLife Money Market	0.499%	0.50%
Min Balance $500,000 Details Balance: $500,000 - $999,999.99; Rate May Change: Daily Last Updated 10/31/2026 Rate History No change since Oct 10, 2026 · 0.50% APY · checked 5 times
MyLife Money Market	0.399%	0.40%
Min Balance $250,000 Details Balance: $250,000 - $499,999.99; Rate May Change: Daily Last Updated 10/31/2026 Rate History No change since Oct 10, 2026 · 0.40% APY · checked 5 times
MyLife Money Market	0.25%	0.25%
Min Balance $100,000 Details Balance: $100,000 - $249,999.99; Rate May Change: Daily Last Updated 10/31/2026 Rate History No change since Oct 10, 2026 · 0.25% APY · checked 5 times
MyLife Money Market	0.15%	0.15%
Min Balance $50,000 Details Balance: $50,000 - $99,999.99; Rate May Change: Daily Last Updated 10/31/2026 Rate History No change since Oct 10, 2026 · 0.15% APY · checked 5 times
MyLife Money Market	0.10%	0.10%
Min Balance $10,000 Details Balance: $10,000 - $49,999.99; Rate May Change: Daily Last Updated 10/31/2026 Rate History No change since Oct 10, 2026 · 0.10% APY · checked 5 times
MyLife Money Market	0.07%	0.07%
Min Balance $2,000 Details Balance: $2,000 - $9,999.99; Rate May Change: Daily Last Updated 10/31/2026 Rate History No change since Oct 10, 2026 · 0.07% APY · checked 5 times
MyLife Money Market	0.05%	0.05%
Min Balance $0 Details Balance: Amounts less than $2,000; Rate May Change: Daily Last Updated 10/31/2026 Rate History No change since Oct 10, 2026 · 0.05% APY · checked 5 times

USAlliance Financial Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
Jumbo 5 Year Adjustable (ARM)	6.50%	-	6.509%	5 years
Details Loan amounts from $832,751- $2,000,000; Effective 10/30/2026 Last Updated 10/31/2026 Rate History No change since Oct 31, 2026 · 6.51% APR
Conforming Loan - 10 Year Fixed	6.50%	-	6.571%	10 years
Details Conforming Loans Rates Effective: 10/30/2026; Loan amounts up to $832,750 (single family home or condo) Last Updated 10/31/2026 Rate History 3 changes since Oct 14, 2026 · 6.82% → 6.57% ▼ 0.25 pts · high 6.82% / low 6.45% Oct 31, 20266.57%▼ from 6.70% Oct 26, 20266.70%▲ from 6.45% Oct 20, 20266.45%▼ from 6.82% Oct 14, 20266.82%first recorded
Conforming Loan - 5 Year Adjustable (ARM)	6.50%	-	6.579%	5 years
Details Adjustable rate mortgage; Conforming Loans Rates Effective: 10/30/2026; Loan amounts up to $832,750 (single family home or condo) Last Updated 10/31/2026 Rate History 1 change since Oct 14, 2026 · 6.71% → 6.58% ▼ 0.13 pts · high 6.71% / low 6.58% Oct 26, 20266.58%▼ from 6.71% Oct 14, 20266.71%first recorded
Jumbo 7 Year Adjustable (ARM)	6.75%	-	6.76%	7 years
Details Loan amounts from $832,751- $2,000,000; Effective 10/30/2026 Last Updated 10/31/2026 Rate History No change since Oct 31, 2026 · 6.76% APR
Conforming Loan - 15 Year Fixed	6.75%	-	6.801%	15 years
Details Conforming Loans Rates Effective: 10/30/2026; Loan amounts up to $832,750 (single family home or condo) Last Updated 10/31/2026 Rate History 3 changes since Oct 14, 2026 · 6.80% → 6.80% ▼ 0.00 pts · high 6.93% / low 6.68% Oct 31, 20266.80%▼ from 6.93% Oct 26, 20266.93%▲ from 6.68% Oct 20, 20266.68%▼ from 6.80% Oct 14, 20266.80%first recorded
Conforming Loan - 7 Year Adjustable (ARM)	6.75%	-	6.83%	7 years
Details Adjustable rate mortgage; Conforming Loans Rates Effective: 10/30/2026; Loan amounts up to $832,750 (single family home or condo) Last Updated 10/31/2026 Rate History 2 changes since Oct 14, 2026 · 7.08% → 6.83% ▼ 0.25 pts · high 7.08% / low 6.83% Oct 31, 20266.83%▼ from 6.96% Oct 26, 20266.96%▼ from 7.08% Oct 14, 20267.08%first recorded
Jumbo 10 Year Adjustable (ARM)	6.875%	-	6.885%	10 years
Details Loan amounts from $832,751- $2,000,000; Effective 10/30/2026 Last Updated 10/31/2026 Rate History No change since Oct 31, 2026 · 6.89% APR
Conforming Loan - 20 Year Fixed	6.875%	-	6.916%	20 years
Details Conforming Loans Rates Effective: 10/30/2026; Loan amounts up to $832,750 (single family home or condo) Last Updated 10/31/2026 Rate History 3 changes since Oct 14, 2026 · 7.04% → 6.92% ▼ 0.13 pts · high 7.04% / low 6.92% Oct 31, 20266.92%▼ from 7.04% Oct 26, 20267.04%▲ from 6.92% Oct 20, 20266.92%▼ from 7.04% Oct 14, 20267.04%first recorded
Conforming Loan - 10 Year Adjustable (ARM)	6.875%	-	6.956%	10 years
Details Adjustable rate mortgage; Conforming Loans Rates Effective: 10/30/2026; Loan amounts up to $832,750 (single family home or condo) Last Updated 10/31/2026 Rate History 2 changes since Oct 14, 2026 · 7.21% → 6.96% ▼ 0.25 pts · high 7.21% / low 6.96% Oct 31, 20266.96%▼ from 7.08% Oct 26, 20267.08%▼ from 7.21% Oct 14, 20267.21%first recorded
Conforming Loan - 30 Year Fixed	7.25%	-	7.282%	30 years
Details Conforming Loans Rates Effective: 10/30/2026; Loan amounts up to $832,750 (single family home or condo) Last Updated 10/31/2026 Rate History 3 changes since Oct 14, 2026 · 7.41% → 7.28% ▼ 0.13 pts · high 7.41% / low 7.28% Oct 31, 20267.28%▼ from 7.41% Oct 26, 20267.41%▲ from 7.28% Oct 20, 20267.28%▼ from 7.41% Oct 14, 20267.41%first recorded
Mortgage - 30 Year Fixed	-	-	7.282%	30 years
Details As Low As; APR* (as low as); Home Lending Rates; APR based on loan to values of 80% or less Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 7.28% APR · checked 2 times
Conforming Loan - 30 Year Fixed (HomeReady)	7.375%	-	7.407%	30 years
Details HomeReady program; subject to income and underwriting eligibility provided by Fannie Mae; Conforming Loans Rates Effective: 10/30/2026; Loan amounts up to $832,750 (single family home or condo) Last Updated 10/31/2026 Rate History 3 changes since Oct 14, 2026 · 7.53% → 7.41% ▼ 0.13 pts · high 7.53% / low 7.41% Oct 31, 20267.41%▼ from 7.53% Oct 26, 20267.53%▲ from 7.41% Oct 20, 20267.41%▼ from 7.53% Oct 14, 20267.53%first recorded

USAlliance Financial Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term	View More
Home Equity Loan	-	-	6.927%
Details As Low As; APR* (as low as); Home Lending Rates Last Updated 10/31/2026 Rate History No change since Oct 10, 2026 · 6.93% APR · checked 5 times

USAlliance Financial Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto and Motorcycle Loan - New/Used 0 to 36 Months	-	-	5.24%	0 to 36 Months
Details As Low As; Fixed Rate; Add 0.25% for 2021 and older vehicles; Members log in to apply Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 5.24% APR · checked 3 times
Auto Loan	-	-	5.24%
Details As Low As; APR* (as low as) Last Updated 10/31/2026 Rate History No change since Oct 14, 2026 · 5.24% APR · checked 4 times
Auto and Motorcycle Loan - New/Used 37 to 60 Months	-	-	5.74%	37 to 60 Months
Details As Low As; Fixed Rate; Add 0.25% for 2021 and older vehicles; Members log in to apply Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 5.74% APR · checked 3 times
Auto and Motorcycle Loan - New/Used 61 to 72 Months	-	-	6.49%	61 to 72 months
Details As Low As; Fixed Rate; Add 0.25% for 2021 and older vehicles; Members log in to apply Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 6.49% APR · checked 3 times
Auto and Motorcycle Loan - New/Used 73 to 84 Months	-	-	6.99%	73 to 84 months
Details As Low As; Fixed Rate; 2022+ only; Add 0.25% for 2021 and older vehicles; Members log in to apply Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 6.99% APR · checked 3 times

USAlliance Financial Credit Union Credit Card Rates

Product	Rate	APR
Visa Classic Card	-	12.49%
Details As Low As; APR* (as low as) Last Updated 10/31/2026 Rate History 1 change since Sep 30, 2026 · 12.24% → 12.49% ▲ 0.25 pts · high 12.49% / low 12.24% Oct 1, 202612.49%▲ from 12.24% Sep 30, 202612.24%first recorded
Visa Platinum	-	13.74%
Details Credit card APR range: 13.74, 13.99, 15.99, or 18.00% based on creditworthiness; Balance Transfers: 13.74, 13.99, 15.99, or 18.00%; Cash Advances: 13.74, 13.99, 15.99, 18.00, or 18.00%; APR varies with the Prime Rate Last Updated 10/31/2026 Rate History No change since Oct 6, 2026 · 13.74% APR · checked 6 times
Visa Signature	-	16.49%
Details APR (As Low As); Variable rate; Members log in to apply Last Updated 10/31/2026 Rate History 1 change since Sep 30, 2026 · 16.24% → 16.49% ▲ 0.25 pts · high 16.49% / low 16.24% Oct 1, 202616.49%▲ from 16.24% Sep 30, 202616.24%first recorded
Visa Secured	-	18.00%
Details APR (As Low As); Variable rate; Members log in to apply Last Updated 10/31/2026 Rate History No change since Oct 1, 2026 · 18.00% APR · checked 7 times

USAlliance Financial Credit Union Personal Loan Rates

Product	APR	Term
Personal Loan	12.24%	0 to 24 Months
Details As Low As; Fixed Rate (F); Members log in to apply Last Updated 10/31/2026 Rate History No change since Oct 14, 2026 · 12.24% APR · checked 4 times
Personal Loan	12.49%	25 to 36 Months
Details As Low As; Fixed Rate (F); Members log in to apply Last Updated 10/31/2026 Rate History No change since Oct 14, 2026 · 12.49% APR · checked 4 times
Personal Loan	12.99%	37 to 48 Months
Details As Low As; Fixed Rate (F); Members log in to apply Last Updated 10/31/2026 Rate History No change since Oct 14, 2026 · 12.99% APR · checked 4 times
Personal Loan	13.49%	49 to 60 Months
Details As Low As; Fixed Rate (F); Members log in to apply Last Updated 10/31/2026 Rate History No change since Oct 14, 2026 · 13.49% APR · checked 4 times
Signature Line of Credit	13.74%
Details As Low As; Variable rate; Daily Periodic Rate: 0.03216%; Members log in to apply Last Updated 10/31/2026 Rate History 1 change since Sep 30, 2026 · 13.49% → 13.74% ▲ 0.25 pts · high 13.74% / low 13.49% Oct 1, 202613.74%▲ from 13.49% Sep 30, 202613.49%first recorded
Personal Loan	13.99%	61 to 72 Months
Details As Low As; Fixed Rate (F); Members log in to apply Last Updated 10/31/2026 Rate History No change since Oct 14, 2026 · 13.99% APR · checked 4 times
Personal Loan	14.99%	73 to 84 Months
Details As Low As; Fixed Rate (F); Members log in to apply Last Updated 10/31/2026 Rate History No change since Oct 14, 2026 · 14.99% APR · checked 4 times
Visa Signature	16.49%
Details APR (As Low As); Variable rate; Members log in to apply Last Updated 10/31/2026 Rate History 1 change since Sep 30, 2026 · 16.24% → 16.49% ▲ 0.25 pts · high 16.49% / low 16.24% Oct 1, 202616.49%▲ from 16.24% Sep 30, 202616.24%first recorded

USAlliance Financial Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
HELOAN - Primary Residence - 80% CLTV - 10 Year	7.25%	-	7.481%	10 Year
Details As Low As; Home Equity Loan; Primary Residence; 80% CLTV Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 7.48% APR · checked 3 times
HELOAN - Primary Residence - 80% CLTV - 15 Year	7.50%	-	7.667%	15 Year
Details As Low As; Home Equity Loan; Primary Residence; 80% CLTV Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 7.67% APR · checked 3 times
HELOAN - Primary Residence - 80% CLTV - 20 Year	7.625%	-	7.76%	20 Year
Details As Low As; Home Equity Loan; Primary Residence; 80% CLTV Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 7.76% APR · checked 3 times
HELOAN - Primary Residence - 80% CLTV - 5 Year	6.50%	-	6.927%	5 Year
Details As Low As; Home Equity Loan; Primary Residence; 80% CLTV Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 6.93% APR · checked 3 times
HELOAN - Primary Residence - 90% CLTV - 10 Year	7.75%	-	7.984%	10 Year
Details As Low As; Home Equity Loan; Primary Residence; 90% CLTV Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 7.98% APR · checked 3 times
HELOAN - Primary Residence - 90% CLTV - 15 Year	8.00%	-	8.169%	15 Year
Details As Low As; Home Equity Loan; Primary Residence; 90% CLTV Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 8.17% APR · checked 3 times
HELOAN - Primary Residence - 90% CLTV - 20 Year	8.125%	-	8.263%	20 Year
Details As Low As; Home Equity Loan; Primary Residence; 90% CLTV Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 8.26% APR · checked 3 times
HELOAN - Primary Residence - 90% CLTV - 5 Year	7.125%	-	7.554%	5 Year
Details As Low As; Home Equity Loan; Primary Residence; 90% CLTV Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 7.55% APR · checked 3 times
11 Month No Early Withdrawal Penalty Certificate	4.163%	-	4.25%	11 Months
Min Balance $500 Details No early withdrawal penalty; not available for IRA, HSA or Coverdell ESA; Members log in to open Last Updated 10/31/2026 Rate History 1 change since Oct 1, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00% Oct 26, 20264.25%▲ from 4.00% Oct 1, 20264.00%first recorded
Club Account	0.25%	-	0.25%	1 - 12 Month
Min Balance $1 Last Updated 10/31/2026 Rate History No change since Oct 1, 2026 · 0.25% APY · checked 7 times
Coverdell Education Savings Account (ESA)	0.65%	-	0.65%
Min Balance $1 Last Updated 10/31/2026 Rate History No change since Sep 30, 2026 · 0.65% APY · checked 8 times
Diamond Money Manager	0.25%	-	0.25%
Min Balance $50,000 Details If minimum balance is maintained Last Updated 10/31/2026 Rate History No change since Sep 30, 2026 · 0.25% APY · checked 8 times
Diamond Money Manager	0.05%	-	0.05%
Min Balance $50,000 Details If balance falls below minimum Last Updated 10/31/2026 Rate History No change since Sep 30, 2026 · 0.05% APY · checked 8 times
High Dividend Savings	-	-	3.55%
Min Balance $500 Details Rates accurate as of October 26, 2026; variable rate account; minimum balance of $500 required to earn dividends Last Updated 10/31/2026 Rate History 1 change since Sep 30, 2026 · 3.40% → 3.55% ▲ 0.15 pts · high 3.55% / low 3.40% Oct 26, 20263.55%▲ from 3.40% Sep 30, 20263.40%first recorded
Platinum Money Manager	0.30%	-	0.30%
Min Balance $75,000 Details If minimum balance is maintained Last Updated 10/31/2026 Rate History No change since Sep 30, 2026 · 0.30% APY · checked 8 times
Platinum Money Manager	0.05%	-	0.05%
Min Balance $75,000 Details If balance falls below minimum Last Updated 10/31/2026 Rate History No change since Sep 30, 2026 · 0.05% APY · checked 8 times
Silver Money Manager	0.20%	-	0.20%
Min Balance $5,000 Details If minimum balance is maintained Last Updated 10/31/2026 Rate History No change since Sep 30, 2026 · 0.20% APY · checked 8 times
Silver Money Manager	0.05%	-	0.05%
Min Balance $5,000 Details If balance falls below minimum Last Updated 10/31/2026 Rate History No change since Sep 30, 2026 · 0.05% APY · checked 8 times

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.
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Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for USAlliance Financial Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member 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 credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather USAlliance Financial Credit Union 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 Credit Union's official website for the most current offers and terms.

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Frequently Asked Questions About USAlliance Financial Credit Union

Does USAlliance Financial Credit Union offer CDs?

Yes. USAlliance Financial Credit Union current CD rates include its 18 Month Rollover Rate CD at 5.05% APY, its 12 Month Rollover Rate CD at 5.00% APY and its 24 Month Rollover Rate CD at 4.20% APY, verified by MonitorBankRates as of October 31, 2026.

Are CDs from USAlliance Financial Credit Union NCUA insured?

Yes. USAlliance Financial Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at USAlliance Financial Credit Union?

The highest USAlliance Financial Credit Union CD rate is its 18 Month Rate Special CD at 5.05% APY, verified by MonitorBankRates as of October 31, 2026.

What CD terms does USAlliance Financial Credit Union offer?

USAlliance Financial Credit Union CD rates are 5.00% APY for a 12 month CD, 5.05% APY for an 18 month CD, 4.20% APY for a 2 year CD, 3.95% APY for a 3 year CD, 3.95% APY for a 4 year CD and 3.95% APY for a 5 year CD, verified by MonitorBankRates as of October 31, 2026. The institution may offer other terms or specials that are not listed here, so check with USAlliance Financial Credit Union for its full lineup.

What is the highest savings rate at USAlliance Financial Credit Union?

The highest USAlliance Financial Credit Union savings rate is its High Dividend Savings at 3.55% APY, verified by MonitorBankRates as of October 31, 2026.

What is the highest money market rate at USAlliance Financial Credit Union?

The highest USAlliance Financial Credit Union money market rate is its MyLife Money Market at 0.60% APY, verified by MonitorBankRates as of October 31, 2026.

What is the lowest 30 year fixed mortgage rate at USAlliance Financial Credit Union?

The lowest USAlliance Financial Credit Union 30 year fixed mortgage rate is its Conforming Loan - 30 Year Fixed at 7.25%, verified by MonitorBankRates as of October 31, 2026. USAlliance Financial Credit Union mortgage rates are 7.25% for a 30 year mortgage, 6.875% for a 20 year mortgage, 6.75% for a 15 year mortgage, 6.50% for a 10 year mortgage, 6.75% for a 7 year mortgage and 6.50% for a 5 year mortgage.

What is the lowest auto loan rate at USAlliance Financial Credit Union?

The lowest USAlliance Financial Credit Union auto loan rate is its Auto and Motorcycle Loan - New/Used 0 to 36 Months at 5.24% APR, verified by MonitorBankRates as of October 31, 2026. USAlliance Financial Credit Union auto loan rates are 5.24% APR for a 36 month auto loan, 5.74% APR for a 60 month auto loan, 6.49% APR for a 72 month auto loan and 6.99% APR for an 84 month auto loan.

What is the lowest personal loan rate at USAlliance Financial Credit Union?

The lowest USAlliance Financial Credit Union personal loan rate is its Personal Loan at 12.24% APR, verified by MonitorBankRates as of October 31, 2026.

What is the lowest credit card APR at USAlliance Financial Credit Union?

The lowest USAlliance Financial Credit Union credit card APR is its Visa Classic Card Credit Card at 12.49% APR, verified by MonitorBankRates as of October 31, 2026.

How many branches does USAlliance Financial Credit Union operate?

USAlliance Financial Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join USAlliance Financial Credit Union?

Yes, to access services at USAlliance Financial Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, USAlliance Financial Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, USAlliance Financial Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does USAlliance Financial Credit Union offer online and mobile banking?

Most modern institutions like USAlliance Financial Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.usalliance.org.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do USAlliance Financial Credit Union rates compare?

USAlliance Financial Credit Union's CD rates are 52% higher than the MonitorBankRates national average. USAlliance Financial Credit Union's top rates are its 18 Month Rate Special CD at 5.05% APY, its High Dividend Savings at 3.55% APY, its MyLife Money Market at 0.60% APY, its Jumbo 5 Year Adjustable (ARM) at 6.50%, its Personal Loan at 12.24% APR and its Visa Classic Card Credit Card at 12.49% APR, verified by MonitorBankRates on October 31, 2026.

Current USAlliance Financial Credit Union Rates

12-Month CD4.65%
18-Month CD5.05%
24-Month CD3.85%
60-Month CD3.95%
Savings3.55%
MMA0.60%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

USAlliance Financial Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

USAlliance Financial Credit Union Texas Ratio

USAlliance Financial Credit Union CD Rates

USAlliance Financial Credit Union Savings Rates

USAlliance Financial Credit Union Money Market Rates

USAlliance Financial Credit Union Mortgage Rates

USAlliance Financial Credit Union Home Equity & HELOC

USAlliance Financial Credit Union Auto Loan Rates

USAlliance Financial Credit Union Credit Card Rates

USAlliance Financial Credit Union Personal Loan Rates

USAlliance Financial Credit Union Other Rates

Methodology & Data Sources

Customer Reviews

Frequently Asked Questions About USAlliance Financial Credit Union

Does USAlliance Financial Credit Union offer CDs?

Are CDs from USAlliance Financial Credit Union NCUA insured?

What is the highest CD rate at USAlliance Financial Credit Union?

What CD terms does USAlliance Financial Credit Union offer?

What is the highest savings rate at USAlliance Financial Credit Union?

What is the highest money market rate at USAlliance Financial Credit Union?

What is the lowest 30 year fixed mortgage rate at USAlliance Financial Credit Union?

What is the lowest auto loan rate at USAlliance Financial Credit Union?

What is the lowest personal loan rate at USAlliance Financial Credit Union?

What is the lowest credit card APR at USAlliance Financial Credit Union?

How many branches does USAlliance Financial Credit Union operate?

Is a member application needed to join USAlliance Financial Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does USAlliance Financial Credit Union offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do USAlliance Financial Credit Union rates compare?

Current USAlliance Financial Credit Union Rates

Compare to Other Credit Unions