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USALLIANCE

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USALLIANCE Rates & Review September 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: September 10, 2026

USALLIANCE's Personal Loan Rates are at 16.24%. MonitorBankRates evaluates the financial stability of USALLIANCE with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 7.14%. Rates last updated and verified on 09/10/2026.

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 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

7.14%

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

USALLIANCE Mortgage Rates

Product	Rate	Points	APR
5 Year Adjustable (ARM)	6.00%	-	6.01%
No additional details. Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.14%
10 Year Fixed	6.00%	-	6.07%
No additional details. Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.14%
10 Year Fixed	6.13%	-	6.15%
No additional details. Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.14%
15 Year Fixed	6.13%	-	6.18%
No additional details. Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.14%
15 Year Fixed	6.25%	-	6.27%
No additional details. Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.14%
5 Year Adjustable (ARM)	6.25%	-	6.33%
No additional details. Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.14%
7 Year Adjustable (ARM)	6.38%	-	6.38%
No additional details. Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.14%
7 Year Adjustable (ARM)	6.38%	-	6.45%
No additional details. Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.14%
10 Year Adjustable (ARM)	6.50%	-	6.51%
No additional details. Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.14%
20 Year Fixed	6.50%	-	6.51%
No additional details. Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.14%
20 Year Fixed	6.50%	-	6.54%
No additional details. Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.14%
30 Year Fixed	6.63%	-	6.64%
No additional details. Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.14%
30 Year Fixed	6.75%	-	6.78%
No additional details. Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.14%
10 Year Adjustable (ARM)	6.75%	-	6.83%
No additional details. Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.14%
30 Year Fixed (HomeReady®)	6.88%	-	6.91%
No additional details. Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.14%

USALLIANCE Home Equity & HELOC

Product	Rate	Points	APR
Home Equity HELOAN - Primary Residence - 80% CLTV - 5 Year	6.50%	-	6.93%
No additional details. Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.14%
Home Equity HELOAN - Primary Residence - 80% CLTV - 10 Year	7.25%	-	7.48%
No additional details. Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.14%
Home Equity HELOAN - Primary Residence - 90% CLTV - 5 Year	7.13%	-	7.55%
No additional details. Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.14%
Home Equity HELOAN - Primary Residence - 80% CLTV - 15 Year	7.50%	-	7.67%
No additional details. Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.14%
Home Equity HELOAN - Primary Residence - 80% CLTV - 20 Year	7.63%	-	7.76%
No additional details. Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.14%
Home Equity HELOAN - Primary Residence - 90% CLTV - 10 Year	7.75%	-	7.98%
No additional details. Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.14%
Home Equity HELOAN - Primary Residence - 90% CLTV - 15 Year	8.00%	-	8.17%
No additional details. Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.14%
Home Equity HELOAN - Primary Residence - 90% CLTV - 20 Year	8.13%	-	8.26%
No additional details. Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.14%

USALLIANCE Credit Card Rates

Product	Rate	APR
Visa Classic	-	12.24%
Details This APR will vary with the market based on the Prime Rate. Balance Transfer Fee: $10.00 or 3.00% of the amount of each balance transfer, whichever is greater. Cash Advance Fee: $10.00 or 3.00% of the amount of each cash advance, whichever is greater.; APR range: 12.24%, 12.49%, 14.49% or 18.00% Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.14%
Visa® Classic Credit Card	-	12.24%
Details Regular APR: 12.24% Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.14%
Visa Signature	-	16.24%
Details This APR will vary with the market based on the Prime Rate. Balance Transfer Fee: $10.00 or 5.00% of the amount of each balance transfer, whichever is greater. Cash Advance Fee: $10.00 or 5.00% of the amount of each cash advance, whichever is greater.; APR range: 16.24%, 16.49%, 18.00% or 18.00% Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.14%
Visa® Signature Credit Card	-	16.24%
Details Intro rate expires: 12 months; Regular APR: 16.24% Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.14%
Visa Classic Secured	-	18.00%
Details This APR will vary with the market based on the Prime Rate. Balance Transfer Fee: $10.00 or 3.00% of the amount of each balance transfer, whichever is greater. Cash Advance Fee: $10.00 or 3.00% of the amount of each cash advance, whichever is greater. Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.14%
Visa® Secured Credit Card	-	18.00%
Details Regular APR: 18.00% Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.14%

USALLIANCE Personal Loan Rates

Product	APR	Term	View More
Visa Signature	16.24%
Details This APR will vary with the market based on the Prime Rate. Balance Transfer Fee: $10.00 or 5.00% of the amount of each balance transfer, whichever is greater. Cash Advance Fee: $10.00 or 5.00% of the amount of each cash advance, whichever is greater.; APR range: 16.24%, 16.49%, 18.00% or 18.00% Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.14%
Visa® Signature Credit Card	16.24%
Details Intro rate expires: 12 months; Regular APR: 16.24% Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.14%

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 5.44% in Q2 2023 to 7.14% in Q1 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 and its Health Grade from A+ to A. Lower Texas Ratios are healthier; the amber line marks the 15% level a credit union must stay under 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 threshold

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
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
June 30, 2023	$3.0B	5.44%	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 Harry Zhu

Full-Time Employees 269

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

7.14%

Return on Assets (ROA)

0.1539%

Return on Equity (ROE)

1.8933%

Non-Performing Loans Ratio (NPL)

0.72%

Total Assets

3,368,936,655

Total Amount of Shares and Deposits

2,564,237,193

Total Shares and Deposits < 1 Year

2,129,874,490

Total Shares and Deposits 1 3 Years

337,548,118

Total Shares and Deposits > 3 Years

96,814,585

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

188,493,886

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

188,493,886

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

2,375,743,307

Total Interest Expense (Sum of items 6 8)

25,109,017

Share Certificates

23,450

Number of Accounts for Share Drafts

84,657

IRA KEOGH Accounts

3,662

Number of Accounts for Regular Shares

179,146

All other shares

291

Non Member Deposits

13,486

Money Market Shares

2,121

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

5,185,395

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)

216,285,886

Total Liabilities

3,116,103,547

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

USALLIANCE earned the Verified Healthy badge

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Customer Reviews

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Total Reviews

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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.