What are the current interest rates at USALLIANCE?

Current rates for USALLIANCE include: 12-Month CD: 4.50%, Savings: 2.00%

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USALLIANCE Rates & Review October 2026

Q: How many branches does USALLIANCE operate?

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

Q: Is a member application needed to join USALLIANCE?

Yes, to access services at USALLIANCE, 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.

Q: Is there a first-time homebuyer program?

Currently, USALLIANCE 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.

Q: Are credit management and repair services offered?

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

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 10, 2026

USALLIANCE's top rates as of October 10, 2026 are 4.50% APY on its 12 Month CD, 2.00% APY on savings, 6.62% on its 10 Year Adjustable (ARM) - 5 Year Adjustable (ARM) mortgage, personal loans from 16.49% APR, and credit cards from 12.49% APR, according to rates verified by MonitorBankRates. Other USALLIANCE mortgage rates include 5 Year Adjustable (ARM) at 6.62%, 15 Year Fixed at 6.75%, and 10 Year Fixed at 6.75%. MonitorBankRates evaluates the financial stability of USALLIANCE with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 8.11%. Rates last updated and verified on 10/10/2026.

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

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 96/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

8.11%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

USALLIANCE
USAlliance Federal Credit Union

411 Theodore Fremd Ave
Rye, NY 10580

http://www.usalliance.org

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

USALLIANCE CD Rates

Product	Rate	APY	Term	View More
12 Month Certificate	-	4.50%	12 Month
Details Special Rate Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 4.36% → 4.50% ▲ 0.14 pts · high 4.50% / low 4.36% Oct 1, 20264.50%▲ from 4.36% Sep 14, 20264.36%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.11%

USALLIANCE Savings Rates

Product	Rate	APY
MyLife Savings	1.98%	2.00%
Min Balance $0 Details Balance: First $500 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 2.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.11%
MyLife Savings	0.02%	0.02%
Min Balance $500 Details Balance: Amounts Over $500 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.02% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.11%

USALLIANCE Mortgage Rates

Product	Rate	Points	APR	Term
10 Year Adjustable (ARM) - 5 Year Adjustable (ARM)	6.625%	-	6.635%
No additional details. Last Updated 10/10/2026 Rate History 1 change since Oct 6, 2026 · 6.38% → 6.64% ▲ 0.25 pts · high 6.64% / low 6.38% Oct 10, 20266.64%▲ from 6.38% Oct 6, 20266.38%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.11%
5 Year Adjustable (ARM)	6.625%	-	6.705%
No additional details. Last Updated 10/10/2026 Rate History 2 changes since Sep 14, 2026 · 6.33% → 6.71% ▲ 0.38 pts · high 6.71% / low 6.33% Oct 10, 20266.71%▲ from 6.45% Oct 1, 20266.45%▲ from 6.33% Sep 14, 20266.33%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.11%
15 Year Fixed	6.75%	-	6.801%
No additional details. Last Updated 10/10/2026 Rate History 5 changes since Sep 14, 2026 · 6.30% → 6.80% ▲ 0.50 pts · high 6.93% / low 6.30% Oct 10, 20266.80%▼ from 6.93% Oct 2, 20266.93%▲ from 6.80% Oct 1, 20266.80%▼ from 6.93% Sep 27, 20266.93%▲ from 6.55% Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.11%
10 Year Fixed	6.75%	-	6.821%
No additional details. Last Updated 10/10/2026 Rate History 3 changes since Sep 14, 2026 · 6.32% → 6.82% ▲ 0.50 pts · high 6.95% / low 6.32% Oct 10, 20266.82%▼ from 6.95% Sep 27, 20266.95%▲ from 6.45% Sep 18, 20266.45%▲ from 6.32% Sep 14, 20266.32%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.11%
10 Year Adjustable (ARM) - 7 Year Adjustable (ARM)	7.00%	-	7.01%
No additional details. Last Updated 10/10/2026 Rate History 1 change since Oct 6, 2026 · 6.89% → 7.01% ▲ 0.13 pts · high 7.01% / low 6.89% Oct 10, 20267.01%▲ from 6.89% Oct 6, 20266.89%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.11%
7 Year Adjustable (ARM)	7.00%	-	7.081%
No additional details. Last Updated 10/10/2026 Rate History 3 changes since Sep 14, 2026 · 6.45% → 7.08% ▲ 0.63 pts · high 7.08% / low 6.45% Oct 10, 20267.08%▲ from 6.96% Oct 1, 20266.96%▲ from 6.83% Sep 18, 20266.83%▲ from 6.45% Sep 14, 20266.45%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.11%
10 Year Adjustable (ARM)	7.125%	-	7.135%
Details Additional APR listed for this product: 7.207%. Last Updated 10/10/2026 Rate History 3 changes since Sep 14, 2026 · 6.83% → 7.14% ▲ 0.30 pts · high 7.14% / low 6.83% Oct 10, 20267.14%▲ from 7.08% Oct 1, 20267.08%▲ from 6.89% Sep 18, 20266.89%▲ from 6.83% Sep 14, 20266.83%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.11%
20 Year Fixed	7.125%	-	7.166%
No additional details. Last Updated 10/10/2026 Rate History 5 changes since Sep 14, 2026 · 6.79% → 7.17% ▲ 0.38 pts · high 7.42% / low 6.67% Oct 10, 20267.17%▼ from 7.42% Oct 2, 20267.42%▲ from 7.29% Sep 27, 20267.29%▲ from 6.67% Sep 22, 20266.67%▼ from 6.89% Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.11%
30 Year Fixed Mortgage	7.375%	-	7.375%	30 Year
Details Rates as low as Last Updated 10/10/2026 Rate History 4 changes since Sep 14, 2026 · 7.00% → 7.38% ▲ 0.38 pts · high 7.50% / low 7.00% Oct 10, 20267.38%▼ from 7.50% Oct 2, 20267.50%▲ from 7.38% Oct 1, 20267.38%▲ from 7.25% Sep 27, 20267.25%▲ from 7.00% Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.11%
30 Year Fixed	7.375%	-	7.407%
No additional details. Last Updated 10/10/2026 Rate History 4 changes since Sep 14, 2026 · 7.03% → 7.41% ▲ 0.38 pts · high 7.53% / low 7.03% Oct 10, 20267.41%▼ from 7.53% Oct 2, 20267.53%▲ from 7.41% Oct 1, 20267.41%▲ from 7.28% Sep 27, 20267.28%▲ from 7.03% Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.11%
30 Year Fixed (HomeReady)	7.50%	-	7.532%
No additional details. Last Updated 10/10/2026 Rate History 3 changes since Sep 18, 2026 · 7.16% → 7.53% ▲ 0.38 pts · high 7.66% / low 7.16% Oct 10, 20267.53%▼ from 7.66% Oct 2, 20267.66%▲ from 7.53% Sep 27, 20267.53%▲ from 7.16% Sep 18, 20267.16%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.11%

USALLIANCE Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity HELOAN - Primary Residence - 80% CLTV - 5 Year	6.50%	-	6.927%	5 Year
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 6.93% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.11%
Home Equity Line of Credit	7.00%	-	7.00%
Details Rates Effective: 10/09/2026. Rates are based on the term of the loan and set by the Asset/Liability Committee of USALLIANCE Financial. CLTV (Combined Loan To Value Ratio) is the ratio of all loans secured by a property to the property's value. All HELOC rates are Variable. Variable annual percentage rate (APR) is calculated based on the Prime Rate as posted in The Wall Street Journal. Prime Rate is published by the Wall Street Journal (WSJ). The current WSJ Prime Rate is 7.00% as of 9/17/2026. HELOC is a variable rate product with a Max Rate of 18.000% and a Minimum Rate of 4.000%. Margins are set based on the risk associated with the loan and an individual's or joint credit history. Finance charges begin to accrue from the day of the initial advance. Initial draw period is for ten (10) years. Initial draw must be a minimum of $25,000 and a minimum of $500 for additional draws. Minimum payments are interest only during the draw period, up to twenty (20) years of principal plus interest thereafter. Consult a tax advisor regarding the deductibility of interest. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 7.00% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.11%
Home Equity HELOAN - Primary Residence - 80% CLTV - 10 Year	7.25%	-	7.481%	10 Year
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 7.48% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.11%
Home Equity HELOAN - Primary Residence - 90% CLTV - 5 Year	7.125%	-	7.554%	5 Year
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 7.55% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.11%
Home Equity HELOAN - Primary Residence - 80% CLTV - 15 Year	7.50%	-	7.667%	15 Year
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 7.67% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.11%
Home Equity HELOAN - Primary Residence - 80% CLTV - 20 Year	7.625%	-	7.76%	20 Year
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 7.76% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.11%
Home Equity HELOAN - Primary Residence - 90% CLTV - 10 Year	7.75%	-	7.984%	10 Year
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 7.98% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.11%
Home Equity HELOAN - Primary Residence - 90% CLTV - 15 Year	8.00%	-	8.169%	15 Year
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 8.17% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.11%
Home Equity HELOAN - Primary Residence - 90% CLTV - 20 Year	8.125%	-	8.263%	20 Year
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 8.26% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.11%

USALLIANCE Credit Card Rates

Product	Rate	APR
VISA CLASSIC	-	12.49%
Details This APR will vary with the market based on the Prime Rate. Balance Transfer Fee: $10.00 or 3% of the amount of each balance transfer, whichever is greater. Cash Advance Fee: $10.00 or 3% of the amount of each cash advance, whichever is greater. Foreign Transaction Fee: 1.00% of the transaction amount in U.S. dollars. Late Payment Fee: Up to $38.00. Returned Payment Fee: Up to $25.00.; APR range: 12.49%, 12.74%, 14.74% or 18.00% Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 12.24% → 12.49% ▲ 0.25 pts · high 12.49% / low 12.24% Oct 1, 202612.49%▲ from 12.24% Sep 14, 202612.24%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.11%
VISA SIGNATURE	-	16.49%
Details This APR will vary with the market based on the Prime Rate. Balance Transfer Fee: $10.00 or 5% of the amount of each balance transfer, whichever is greater. Cash Advance Fee: $10.00 or 5% of the amount of each cash advance, whichever is greater. Foreign Transaction Fee: 1.00% of the transaction amount in U.S. dollars. Late Payment Fee: Up to $38.00. Returned Payment Fee: Up to $25.00.; APR range: 16.49%, 16.74%, 18.00% or 18.00% Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 16.24% → 16.49% ▲ 0.25 pts · high 16.49% / low 16.24% Oct 1, 202616.49%▲ from 16.24% Sep 14, 202616.24%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.11%
VISA CLASSIC SECURED	-	18.00%
Details This APR will vary with the market based on the Prime Rate. Balance Transfer Fee: $10.00 or 3% of the amount of each balance transfer, whichever is greater. Cash Advance Fee: $10.00 or 3% of the amount of each cash advance, whichever is greater. Foreign Transaction Fee: 1.00% of the transaction amount in U.S. dollars. Late Payment Fee: Up to $38.00. Returned Payment Fee: Up to $25.00. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 18.00% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.11%
Visa Secured Credit Card	-	18.00%
Details Quickly build or establish credit that is secured by your savings account. Rates as low as 18.00% APR. No annual fee. N/A. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 18.00% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.11%

USALLIANCE Personal Loan Rates

Product	APR	Term	View More
VISA SIGNATURE	16.49%
Details This APR will vary with the market based on the Prime Rate. Balance Transfer Fee: $10.00 or 5% of the amount of each balance transfer, whichever is greater. Cash Advance Fee: $10.00 or 5% of the amount of each cash advance, whichever is greater. Foreign Transaction Fee: 1.00% of the transaction amount in U.S. dollars. Late Payment Fee: Up to $38.00. Returned Payment Fee: Up to $25.00.; APR range: 16.49%, 16.74%, 18.00% or 18.00% Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 16.24% → 16.49% ▲ 0.25 pts · high 16.49% / low 16.24% Oct 1, 202616.49%▲ from 16.24% Sep 14, 202616.24%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.11%

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.

Financial Health History

USALLIANCE’s Texas Ratio rose from 6.60% in Q3 2023 to 8.11% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$3.4B	8.11%	5.0	A
March 31, 2026	$3.4B	7.14%	5.0	A
December 31, 2025	$3.3B	7.30%	5.0	A
September 30, 2025	$3.3B	6.66%	5.0	A
June 30, 2025	$3.2B	6.26%	5.0	A
March 31, 2025	$3.2B	6.59%	5.0	A
December 31, 2024	$3.2B	6.66%	5.0	A
September 30, 2024	$3.3B	5.93%	5.0	A+
June 30, 2024	$3.2B	5.88%	5.0	A+
March 31, 2024	$3.2B	5.82%	5.0	A+
December 31, 2023	$3.1B	7.14%	5.0	A
September 30, 2023	$3.0B	6.60%	5.0	A

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for USALLIANCE 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 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's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name USALLIANCE

Website http://www.usalliance.org

Address 411 Theodore Fremd Ave, Rye, NY 10580

Phone 914-921-0500

Fax 914-881-3468

President Carla Palma

CEO Brett Wheeler

Full-Time Employees 260

Part-Time Employees 9

Branch Locations 6

ATM Locations 5

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (96/100)

Texas Ratio

8.11%

Return on Assets (ROA)

0.3330%

Return on Equity (ROE)

4.0262%

Non-Performing Loans Ratio (NPL)

0.84%

Total Assets

3,353,377,180

Total Amount of Shares and Deposits

2,581,538,413

Total Shares and Deposits < 1 Year

2,135,668,947

Total Shares and Deposits 1 3 Years

377,667,184

Total Shares and Deposits > 3 Years

68,202,282

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

185,424,419

Total Uninsured Shares and Deposits > $250K (F+J)

185,424,419

Total Insured Shares and Deposits > $250K (item 17 less item K)

2,396,113,994

Total Interest Expense (Sum of items 6 8)

50,571,820

Share Certificates

23,184

Number of Accounts for Share Drafts

85,280

IRA KEOGH Accounts

3,624

Number of Accounts for Regular Shares

180,363

All other shares

294

Non Member Deposits

3,025

Money Market Shares

2,116

Net Income (unless the amount is already included in Undivided Earnings)

11,167,465

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

235,429,844

Total Liabilities

3,094,562,001

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

USALLIANCE earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
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       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

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Frequently Asked Questions About USALLIANCE

How many branches does USALLIANCE operate?

USALLIANCE 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?

Yes, to access services at USALLIANCE, 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 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 provides members with tools to manage their accounts and build a solid financial history.

Does USALLIANCE offer online and mobile banking?

Most modern institutions like USALLIANCE 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: http://www.usalliance.org.