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
  1. Home›
  2. Credit Unions›
  3. USALLIANCE
iAdvertiser Disclosure
Advertiser Disclosure Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.

USALLIANCE Rates & Review October 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.

MonitorBankRates Verified Healthy Badge Q2 2026 Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website
Overall Health & Safety Grade ?
A
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
Member NCUA
Customer Reviews
Be the first to review
Write a Review
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%
3.86%4.43%5.00%Sep 14, 2026: 4.36% APYOct 1, 2026: 4.50% APYSep 14, 2026Oct 13, 2026
  • 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 View More
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
1.50%2.00%2.50%Sep 18, 2026: 2.00% APYSep 18, 2026Oct 13, 2026
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
0.00%0.26%0.52%Sep 14, 2026: 0.02% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.11%

USALLIANCE Mortgage Rates

Product Rate Points APR Term View More
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%
5.88%6.51%7.14%Oct 6, 2026: 6.38% APROct 10, 2026: 6.64% APROct 6, 2026Oct 13, 2026
  • 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%
5.83%6.52%7.21%Sep 14, 2026: 6.33% APROct 1, 2026: 6.45% APROct 10, 2026: 6.71% APRSep 14, 2026Oct 13, 2026
  • 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%
5.67%6.61%7.55%Sep 14, 2026: 6.30% APRSep 18, 2026: 6.55% APRSep 27, 2026: 6.93% APROct 1, 2026: 6.80% APROct 2, 2026: 6.93% APROct 10, 2026: 6.80% APRSep 14, 2026Oct 13, 2026
  • 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%
5.69%6.63%7.57%Sep 14, 2026: 6.32% APRSep 18, 2026: 6.45% APRSep 27, 2026: 6.95% APROct 10, 2026: 6.82% APRSep 14, 2026Oct 13, 2026
  • 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%
6.39%6.95%7.51%Oct 6, 2026: 6.89% APROct 10, 2026: 7.01% APROct 6, 2026Oct 13, 2026
  • 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%
5.83%6.77%7.71%Sep 14, 2026: 6.45% APRSep 18, 2026: 6.83% APROct 1, 2026: 6.96% APROct 10, 2026: 7.08% APRSep 14, 2026Oct 13, 2026
  • 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%
6.33%6.98%7.64%Sep 14, 2026: 6.83% APRSep 18, 2026: 6.89% APROct 1, 2026: 7.08% APROct 10, 2026: 7.14% APRSep 14, 2026Oct 13, 2026
  • 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%
5.91%7.04%8.17%Sep 14, 2026: 6.79% APRSep 18, 2026: 6.89% APRSep 22, 2026: 6.67% APRSep 27, 2026: 7.29% APROct 2, 2026: 7.42% APROct 10, 2026: 7.17% APRSep 14, 2026Oct 13, 2026
  • 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%
6.50%7.25%8.00%Sep 14, 2026: 7.00% APRSep 27, 2026: 7.25% APROct 1, 2026: 7.38% APROct 2, 2026: 7.50% APROct 10, 2026: 7.38% APRSep 14, 2026Oct 13, 2026
  • 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%
6.53%7.28%8.03%Sep 14, 2026: 7.03% APRSep 27, 2026: 7.28% APROct 1, 2026: 7.41% APROct 2, 2026: 7.53% APROct 10, 2026: 7.41% APRSep 14, 2026Oct 13, 2026
  • 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%
6.66%7.41%8.16%Sep 18, 2026: 7.16% APRSep 27, 2026: 7.53% APROct 2, 2026: 7.66% APROct 10, 2026: 7.53% APRSep 18, 2026Oct 13, 2026
  • 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 View More
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
6.43%6.93%7.43%Oct 6, 2026: 6.93% APROct 6, 2026Oct 13, 2026
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
6.50%7.00%7.50%Oct 10, 2026: 7.00% APROct 10, 2026Oct 13, 2026
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
6.98%7.48%7.98%Oct 6, 2026: 7.48% APROct 6, 2026Oct 13, 2026
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
7.05%7.55%8.05%Oct 6, 2026: 7.55% APROct 6, 2026Oct 13, 2026
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
7.17%7.67%8.17%Oct 6, 2026: 7.67% APROct 6, 2026Oct 13, 2026
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
7.26%7.76%8.26%Oct 6, 2026: 7.76% APROct 6, 2026Oct 13, 2026
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
7.48%7.98%8.48%Oct 6, 2026: 7.98% APROct 6, 2026Oct 13, 2026
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
7.67%8.17%8.67%Oct 6, 2026: 8.17% APROct 6, 2026Oct 13, 2026
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
7.76%8.26%8.76%Oct 6, 2026: 8.26% APROct 6, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.11%

USALLIANCE Credit Card Rates

Product Rate APR View More
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%
11.74%12.37%12.99%Sep 14, 2026: 12.24% APROct 1, 2026: 12.49% APRSep 14, 2026Oct 13, 2026
  • 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%
15.74%16.37%16.99%Sep 14, 2026: 16.24% APROct 1, 2026: 16.49% APRSep 14, 2026Oct 13, 2026
  • 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
17.50%18.00%18.50%Sep 14, 2026: 18.00% APRSep 14, 2026Oct 13, 2026
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
17.50%18.00%18.50%Sep 14, 2026: 18.00% APRSep 14, 2026Oct 13, 2026
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%
15.74%16.37%16.99%Sep 14, 2026: 16.24% APROct 1, 2026: 16.49% APRSep 14, 2026Oct 13, 2026
  • 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%

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.

0% 1.0★ 4.1% 2.0★ 8.3% 3.0★ 12.4% 4.0★ 16.5% 5.0★ 15% Verified Healthy limit – lower is healthier Healthy zone 6.60% A Q3 2023 A Q4 2023 A+ Q1 2024 A+ Q2 2024 A+ Q3 2024 A Q4 2024 A Q1 2025 A Q2 2025 A Q3 2025 A Q4 2025 A Q1 2026 8.11% A Q2 2026
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)
Powered by MonitorBankRates

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
QuarterTotal assetsTexas RatioStar RatingHealth Grade
June 30, 2026$3.4B8.11%5.0A
March 31, 2026$3.4B7.14%5.0A
December 31, 2025$3.3B7.30%5.0A
September 30, 2025$3.3B6.66%5.0A
June 30, 2025$3.2B6.26%5.0A
March 31, 2025$3.2B6.59%5.0A
December 31, 2024$3.2B6.66%5.0A
September 30, 2024$3.3B5.93%5.0A+
June 30, 2024$3.2B5.88%5.0A+
March 31, 2024$3.2B5.82%5.0A+
December 31, 2023$3.1B7.14%5.0A
September 30, 2023$3.0B6.60%5.0A
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
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
MonitorBankRates Verified Healthy Badge Q2 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.

<a href="https://monitorbankrates.com/credit-unions/usalliance-rates-review-17587">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>
Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

There are no reviews for USALLIANCE yet. Feel free to create one below.
Average Rating
☆☆☆☆☆
Total Reviews
0
Add Your Rating and Review for USALLIANCE
Your Name:
Your Rating:

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.

Current USALLIANCE Rates

  • 12-Month CD4.50%
  • Savings2.00%
Retrieved from our database of financial products. Rates subject to change.