What are the current interest rates at USAlliance Financial?

Current rates for USAlliance Financial include: 12-Month CD: 3.80%, 18-Month CD: 4.10%, 24-Month CD: 3.70%, 60-Month CD: 3.95%, Savings: 3.40%, MMA: 0.60%

MonitorBankRates

☰

Survey Results We asked readers after the Fed’s Sept. 16 hike: 50% of savers say their bank still has not raised their rate since the Fed funds rate increase. See the full results

Home›
Credit Unions›
USAlliance Financial

iAdvertiser Disclosure

USAlliance Financial Rates & Review October 2026

Q: How many branches does USAlliance Financial operate?

USAlliance Financial 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 Financial?

Yes, to access services at USAlliance Financial, 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 Financial 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 Financial 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 Financial's top rates as of October 10, 2026 are 4.50% APY on its 12 Month CD, 3.40% APY on savings, 0.60% APY on money market accounts, 6.62% on its 5 Year Adjustable (ARM) mortgage, personal loans from 12.24% APR, and credit cards from 12.49% APR, according to rates verified by MonitorBankRates. Other USAlliance Financial CD rates include 12 Month Rate Special at 4.50%, 12 Month Rollover Rate at 4.50%, and 24 Month Rate Special at 4.20%. Other USAlliance Financial mortgage rates include 15 Year Fixed at 6.75%, 10 Year Fixed at 6.75%, and 7 Year Adjustable (ARM) at 7.00%. MonitorBankRates has no NCUA call report data for USAlliance Financial (no charter number on file), so it is not rated. Rates last updated and verified on 10/10/2026.

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.

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

Customer Reviews

Be the first to review

Write a Review

USAlliance Financial CD Rates

Product	Rate	APY	Term
12 Month Certificate	-	4.50%	12 Month
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 1, 2026 · 4.50% APY · checked 3 times
12 Month Rate Special	4.40%	4.50%	12 Months
Min Deposit $500 Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 4.50% APY · checked 2 times
12 Month Rollover Rate	4.40%	4.50%
Details Rollover Rate Last Updated 10/10/2026 Rate History 1 change since Sep 30, 2026 · 4.36% → 4.50% ▲ 0.14 pts · high 4.50% / low 4.36% Oct 6, 20264.50%▲ from 4.36% Sep 30, 20264.36%first recorded
24 Month Rate Special	4.11%	4.20%	24 Months
Min Deposit $500 Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 4.20% APY · checked 2 times
24 Month Rollover Rate	4.11%	4.20%
Details Rollover Rate Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 4.20% APY · checked 3 times
18 Month Certificate	-	4.10%	18 Month
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 4.10% APY · checked 4 times
18 Month Rate Special	4.02%	4.10%	18 Months
Min Deposit $500 Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 4.10% APY · checked 2 times
18 Month Rollover Rate	4.02%	4.10%
Details Rollover Rate Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 4.10% APY · checked 3 times
36 Month Rate Special	3.87%	3.95%	36 Months
Min Deposit $500 Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 3.95% APY · checked 2 times
36 Month Rollover Rate	3.87%	3.95%
Details Rollover Rate Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 3.95% APY · checked 3 times
48 Month Certificate	3.87%	3.95%	48 Months
Min Deposit $500 Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 3.95% APY · checked 2 times
60 Month Certificate	3.87%	3.95%	60 months
Min Deposit $500 Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 3.95% APY · checked 2 times
12 Month Step-Up	3.73%	3.80%	12 Months
Min Balance $500 Details Member can request a one-time rate increase prior to maturity. On the date of the request, we will adjust the rate to match the USALLIANCE rate posted for the current Step-Up certificate with the same original maturity (12 or 24 months). Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 3.80% APY · checked 4 times
3 Month Certificate	3.73%	3.80%	3 Months
Min Deposit $500 Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 3.80% APY · checked 2 times
6 Month Certificate	3.73%	3.80%	6 Months
Min Deposit $500 Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 3.80% APY · checked 2 times
9 Month Certificate	3.73%	3.80%	9 Months
Min Deposit $500 Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 3.80% APY · checked 2 times
24 Month Step-Up	3.63%	3.70%	24 Months
Min Balance $500 Details Member can request a one-time rate increase prior to maturity. On the date of the request, we will adjust the rate to match the USALLIANCE rate posted for the current Step-Up certificate with the same original maturity (12 or 24 months). Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 3.70% APY · checked 4 times

USAlliance Financial Savings Rates

Product	Rate	APY
High Dividend Savings	3.34%	3.40%
Min Balance $500 Details Balance: $500.00 - Amounts over $500; Rate May Change: Daily Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 3.40% APY · checked 4 times
MyLife Savings	1.98%	2.00%
Min Balance $1 Details Balance: $1.00 - $500.00; Rate May Change: Daily Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 2.00% APY · checked 4 times
STAR Account, IRA retirement savings account only (Traditional, Roth, SEP, SIMPLE)	0.40%	0.40%
Min Balance $25 Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 0.40% APY · checked 4 times
Super Savings Money Manager	0.25%	0.25%
Min Balance $25,000 Details Balance: If minimum balance is maintained Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 0.25% APY · checked 4 times
Savings Plus	0.10%	0.10%
Min Balance $500 Details Balance: Amounts > $2,000 Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 0.10% APY · checked 4 times
Savings Plus	0.05%	0.05%
Min Balance $1 Details Balance: on the first $2,000 Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 0.05% APY · checked 4 times
Share Mgmt, Kids, Teen and Health Savings Accounts	0.05%	0.05%
Min Balance $1 Details Balance: Amounts > $2,000 Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 0.05% APY · checked 4 times
Super Savings Money Manager	0.05%	0.05%
Min Balance $25,000 Details Balance: If balance falls below minimum Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 0.05% APY · checked 4 times
MyLife Savings	0.02%	0.02%
Min Balance $1 Details Balance: $1.00 - Amounts over $500; Rate May Change: Daily Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 0.02% APY · checked 4 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 10/10/2026 Rate History No change since Sep 30, 2026 · 0.02% APY · checked 4 times

USAlliance Financial Money Market Rates

Product	Rate	APY
MyLife Money Market	0.60%	0.60%
Min Balance $1,000,000 Details MyLife Money Market (Amounts $1,000,000-$99,999,999.99) Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 0.60% APY
MyLife Money Market	0.50%	0.50%
Min Balance $500,000 Details MyLife Money Market (Amounts $500,000-$999,999.99) Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 0.50% APY
MyLife Money Market	0.40%	0.40%
Min Balance $250,000 Details MyLife Money Market (Amounts $250,000-$499,999.99) Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 0.40% APY
MyLife Money Market	0.25%	0.25%
Min Balance $100,000 Details MyLife Money Market (Amounts $100,000 - $249,999.99) Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 0.25% APY
MyLife Money Market	0.15%	0.15%
Min Balance $50,000 Details MyLife Money Market (Amounts $50,000 - $99,999.99) Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 0.15% APY
MyLife Money Market	0.10%	0.10%
Min Balance $10,000 Details MyLife Money Market (Amounts $10,000 - $49,999.99) Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 0.10% APY
MyLife Money Market	0.07%	0.07%
Min Balance $2,000 Details MyLife Money Market (Amounts $2,000 - $9,999.99) Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 0.07% APY
MyLife Money Market	0.05%	0.05%
Min Balance $0 Details MyLife Money Market (Amounts less than $2,000) Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 0.05% APY

USAlliance Financial Mortgage Rates

Product	Rate	Points	APR	Term
5 Year Adjustable (ARM)	6.625%	-	6.705%
Details As Low As Last Updated 10/10/2026 Rate History 2 changes since Sep 30, 2026 · 6.38% → 6.71% ▲ 0.32 pts · high 6.71% / low 6.38% Oct 10, 20266.71%▲ from 6.45% Oct 1, 20266.45%▲ from 6.38% Sep 30, 20266.38%first recorded
15 Year Fixed	6.75%	-	6.801%
Details As Low As Last Updated 10/10/2026 Rate History 2 changes since Sep 30, 2026 · 7.02% → 6.80% ▼ 0.21 pts · high 7.02% / low 6.80% Oct 10, 20266.80%▼ from 6.93% Oct 1, 20266.93%▼ from 7.02% Sep 30, 20267.02%first recorded
10 Year Fixed	6.75%	-	6.821%
Details As Low As Last Updated 10/10/2026 Rate History 1 change since Sep 30, 2026 · 6.95% → 6.82% ▼ 0.13 pts · high 6.95% / low 6.82% Oct 10, 20266.82%▼ from 6.95% Sep 30, 20266.95%first recorded
7 Year Adjustable (ARM)	7.00%	-	7.081%
Details As Low As Last Updated 10/10/2026 Rate History 2 changes since Sep 30, 2026 · 6.89% → 7.08% ▲ 0.20 pts · high 7.08% / low 6.89% Oct 10, 20267.08%▲ from 6.96% Oct 1, 20266.96%▲ from 6.89% Sep 30, 20266.89%first recorded
20 Year Fixed	7.125%	-	7.166%
Details As Low As Last Updated 10/10/2026 Rate History 2 changes since Sep 30, 2026 · 7.29% → 7.17% ▼ 0.13 pts · high 7.42% / low 7.17% Oct 10, 20267.17%▼ from 7.42% Oct 1, 20267.42%▲ from 7.29% Sep 30, 20267.29%first recorded
10 Year Adjustable (ARM)	7.125%	-	7.207%
Details As Low As Last Updated 10/10/2026 Rate History 2 changes since Sep 30, 2026 · 7.01% → 7.21% ▲ 0.20 pts · high 7.21% / low 7.01% Oct 10, 20267.21%▲ from 7.08% Oct 1, 20267.08%▲ from 7.01% Sep 30, 20267.01%first recorded
30 Year Fixed Mortgage	7.375%	-	7.375%	30 Year
Details Rates as low as Last Updated 10/10/2026 Rate History 2 changes since Sep 30, 2026 · 7.38% → 7.38% ▼ 0.00 pts · high 7.50% / low 7.38% Oct 10, 20267.38%▼ from 7.50% Oct 1, 20267.50%▲ from 7.38% Sep 30, 20267.38%first recorded
30 Year Fixed	-	-	7.407%	30 years
Details As Low As; Fixed Rate Last Updated 10/10/2026 Rate History 1 change since Oct 1, 2026 · 7.53% → 7.41% ▼ 0.13 pts · high 7.53% / low 7.41% Oct 10, 20267.41%▼ from 7.53% Oct 1, 20267.53%first recorded
30 Year Fixed (HomeReady)	7.50%	-	7.532%
Details As Low As Last Updated 10/10/2026 Rate History 2 changes since Sep 30, 2026 · 7.53% → 7.53% ▼ 0.00 pts · high 7.66% / low 7.53% Oct 10, 20267.53%▼ from 7.66% Oct 1, 20267.66%▲ from 7.53% Sep 30, 20267.53%first recorded

USAlliance Financial Home Equity & HELOC

Product	Rate	Points	APR
Home Equity Loan	-	-	6.927%
Details As Low As; Fixed Rate Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 6.93% APR
Home Equity Line of Credit	7.00%	-	7.00%
Details 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. 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

USAlliance Financial Credit Card Rates

Product	Rate	APR
Visa Classic Card	-	12.49%
Details As Low As Last Updated 10/10/2026 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 Purchases; This APR will vary with the market based on the Prime Rate.; APR range: 13.74, 13.99, 15.99, or 18.00% Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 13.74% APR · checked 2 times
Visa Signature	-	16.49%
Details As Low As; V Last Updated 10/10/2026 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 As Low As; V Last Updated 10/10/2026 Rate History No change since Oct 1, 2026 · 18.00% APR · checked 3 times

USAlliance Financial Personal Loan Rates

Product	APR	Term
Personal Loan	12.24%
Details As Low As Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 12.24% APR · checked 4 times
Personal Loan 25 to 36 Months	12.49%	25 to 36 Months
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 12.49% APR · checked 4 times
Personal Loan 37 to 48 Months	12.99%	37 to 48 Months
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 12.99% APR · checked 4 times
Personal Loan 49 to 60 Months	13.49%	49 to 60 Months
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 13.49% APR · checked 4 times
Signature Line of Credit	13.74%
Details As Low As; V Last Updated 10/10/2026 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 61 to 72 Months	13.99%	61 to 72 Months
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 13.99% APR · checked 4 times
Personal Loan 73 to 84 Months	14.99%	73 to 84 Months
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 14.99% APR · checked 4 times
Visa Signature	16.49%
Details As Low As; V Last Updated 10/10/2026 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 Other Rates

Product	Rate	Points	APY/APR	Term
New/Used 0 to 36 Months Loan	-	-	5.24%	0 to 36 Months
Details As Low As; F Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 5.24% APR · checked 4 times
New/Used 37 to 60 Months Loan	-	-	5.74%	37 to 60 Months
Details As Low As; F Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 5.74% APR · checked 4 times
New/Used 61 to 72 months Loan	-	-	6.49%	61 to 72 months
Details As Low As; F Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 6.49% APR · checked 4 times
New/Used 73 to 84 months (2022+ only) Loan	-	-	6.99%	73 to 84 months
Details As Low As; F Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 6.99% APR · checked 4 times
11 Month No Early Withdrawal Penalty	3.92%	-	4.00%	11 Months
Min Deposit $500 Details 11 Month No Penalty Certificate is not available for Individual Retirement Accounts (IRA), Health Savings Accounts (HSA), or Coverdell education savings accounts (Coverdell ESA). Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 4.00% APY · checked 2 times
Club Account	0.25%	-	0.25%	1 - 12 Month
Min Balance $1 Last Updated 10/10/2026 Rate History No change since Oct 1, 2026 · 0.25% APY · checked 3 times
Coverdell Education Savings Account (ESA)	0.65%	-	0.65%
Min Balance $1 Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 0.65% APY · checked 4 times
Diamond Money Manager	0.25%	-	0.25%
Min Balance $50,000 Details Balance: If minimum balance is maintained Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 0.25% APY · checked 4 times
Diamond Money Manager	0.05%	-	0.05%
Min Balance $50,000 Details Balance: If balance falls below minimum Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 0.05% APY · checked 4 times
Platinum Money Manager	0.30%	-	0.30%
Min Balance $75,000 Details Balance: If minimum balance is maintained Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 0.30% APY · checked 4 times
Platinum Money Manager	0.05%	-	0.05%
Min Balance $75,000 Details Balance: If balance falls below minimum Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 0.05% APY · checked 4 times
Silver Money Manager	0.20%	-	0.20%
Min Balance $5,000 Details Balance: If minimum balance is maintained Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 0.20% APY · checked 4 times
Silver Money Manager	0.05%	-	0.05%
Min Balance $5,000 Details Balance: If balance falls below minimum Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 0.05% APY · checked 4 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.
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 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 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

There are no reviews for USAlliance Financial yet. Feel free to create one below.

Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for USAlliance Financial

Frequently Asked Questions About USAlliance Financial

How many branches does USAlliance Financial operate?

USAlliance Financial 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?

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

Does USAlliance Financial offer online and mobile banking?

Most modern institutions like USAlliance Financial 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.