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iAdvertiser Disclosure
Advertiser Disclosure
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Usalliance Credit Union Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: October 30, 2026
Usalliance Credit Union's 18 Month CD rates are at 5.05%, 11 Month CD rates are at 4.25%. Usalliance Credit Union's savings rates are at 2.00%. Usalliance Credit Union's Jumbo Loan - 5 Year Adjustable (ARM) rates are at 6.50%, Conforming Loan - 5 Year Adjustable (ARM) rates are at 6.50%, Jumbo Loan - 7 Year Adjustable (ARM) rates are at 6.75%, Conforming Loan - 15 Year Fixed rates are at 6.75%, Conforming Loan - 10 Year Fixed rates are at 6.75%. Usalliance Credit Union's Personal Loan Rates are as low as 16.49%. Usalliance Credit Union's Credit Card Rates are at 12.49%. Usalliance Credit Union's CD rates are 57% higher than the MonitorBankRates national average, and it has an A health rating. MonitorBankRates evaluates the financial stability of Usalliance Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 8.11%. Rates last updated and verified on 10/30/2026. Usalliance 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 Credit Union? Share your experience about Usalliance Credit Union by leaving a review below, or read customer reviews before you decide to use Usalliance Credit Union. Usalliance Credit Union
USAlliance Federal Credit Union 411 Theodore Fremd Ave
http://www.usalliance.org Rye, NY 10580  Customer Reviews
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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 Credit Union CD Rates
Usalliance Credit Union Savings Rates
Usalliance Credit Union Mortgage Rates
Usalliance Credit Union Credit Card Rates
Usalliance Credit Union Personal Loan Rates
Usalliance Credit Union Other Rates
Financial Health HistoryUsalliance Credit Union’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)
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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
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Usalliance 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 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 Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Usalliance Credit Union
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
FinancialsMonitorBankRates 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
Customer Reviews
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Add Your Rating and Review for Usalliance Credit Union
Frequently Asked Questions About Usalliance Credit UnionDoes Usalliance Credit Union offer CDs?Yes. Usalliance Credit Union current CD rates include its 18 Month CD at 5.05% APY and its 11 Month CD at 4.25% APY, verified by MonitorBankRates as of October 30, 2026. Are CDs from Usalliance Credit Union NCUA insured?Yes. Usalliance 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 Credit Union?The highest Usalliance Credit Union CD rate is its 18 Month CD at 5.05% APY, verified by MonitorBankRates as of October 30, 2026. What CD terms does Usalliance Credit Union offer?Usalliance Credit Union CD rates are 4.25% APY for an 11 month CD, 4.25% APY for a 12 month CD and 5.05% APY for an 18 month CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with Usalliance Credit Union for its full lineup. What is the highest savings rate at Usalliance Credit Union?The highest Usalliance Credit Union savings rate is its MyLife Savings at 2.00% APY, verified by MonitorBankRates as of October 30, 2026. What is the lowest 30 year fixed mortgage rate at Usalliance Credit Union?The lowest Usalliance Credit Union 30 year fixed mortgage rate is its Conforming Loan - 30 Year Fixed at 7.375%, verified by MonitorBankRates as of October 30, 2026. Usalliance Credit Union mortgage rates are 7.375% for a 30 year mortgage, 7.00% for a 20 year mortgage, 6.75% for a 15 year mortgage, 6.75% for a 10 year mortgage, 6.75% for a 7 year mortgage and 6.50% for a 5 year mortgage. What is the lowest personal loan rate at Usalliance Credit Union?The lowest Usalliance Credit Union personal loan rate is its Visa Signature at 16.49% APR, verified by MonitorBankRates as of October 30, 2026. What is the lowest credit card APR at Usalliance Credit Union?The lowest Usalliance Credit Union credit card APR is its Visa Classic Credit Card at 12.49% APR, verified by MonitorBankRates as of October 30, 2026. How many branches does Usalliance Credit Union operate?Usalliance 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 Credit Union?Yes, to access services at Usalliance 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 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 Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Usalliance Credit Union offer online and mobile banking?Most modern institutions like Usalliance 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: http://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 Credit Union rates compare?Usalliance Credit Union's CD rates are 57% higher than the MonitorBankRates national average, and it has an A health rating. Usalliance Credit Union's top rates are its 18 Month CD at 5.05% APY, its MyLife Savings at 2.00% APY, its Jumbo Loan - 5 Year Adjustable (ARM) at 6.50%, its Visa Signature at 16.49% APR and its Visa Classic Credit Card at 12.49% APR, verified by MonitorBankRates on October 30, 2026. Current Usalliance Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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