Advertiser Disclosure
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USAlliance Financial Rates & Review October 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
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.
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 1, 2026
USAlliance Financial's top rates as of October 1, 2026 are 4.50% APY on its 12 Month CD, 0.02% APY on savings, 0.05% APY on money market accounts, 6.38% 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 CD at 4.50%, 12 Month Rollover Rate CD at 4.50%, and 24 Month Rate Special CD at 4.20%. Other USAlliance Financial mortgage rates include 15 Year Fixed at 6.75%, 7 Year Adjustable (ARM) at 6.88%, and 10 Year Fixed at 6.88%. 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 10/01/2026.
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 RatedNo current filing
Overall Health & Safety Grade
MonitorBankRates has no NCUA call report data for USAlliance Financial (no charter number on file), so it is not rated.
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective NCUA regulatory data.
MonitorBankRates Rating
?
N/A
Not RatedNo current filing
MonitorBankRates Star Rating
MonitorBankRates has no NCUA call report data for USAlliance Financial (no charter number on file), so it is not rated.
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
?
N/A
Not RatedNo data
USAlliance Financial Texas Ratio
MonitorBankRates has no NCUA call report data for USAlliance Financial (no charter number on file), so it is not rated.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
USAlliance Financial CD Rates
Product
Rate
APY
Term
View More
12 Month Certificate
-
4.50%
12 Month
Rate History
No change since Oct 1, 2026 · 4.50% APY
No additional details.
Last Updated10/01/2026
12 Month Rate Special Certificate
4.40%
4.50%
12 Months
Rate History
No change since Oct 1, 2026 · 4.50% APY
Min Deposit$500
Min Balance$500
Last Updated10/01/2026
12 Month Rollover Rate Certificate
4.40%
4.50%
12 months
Rate History
No change since Oct 1, 2026 · 4.50% APY
No additional details.
Last Updated10/01/2026
24 Month Rate Special Certificate
4.11%
4.20%
24 Months
Rate History
No change since Oct 1, 2026 · 4.20% APY
Min Deposit$500
Min Balance$500
Last Updated10/01/2026
24 Month Rollover Rate Certificate
4.11%
4.20%
24 months
Rate History
No change since Oct 1, 2026 · 4.20% APY
No additional details.
Last Updated10/01/2026
18 Month Certificate
-
4.10%
18 Month
Rate History
No change since Sep 30, 2026 · 4.10% APY · checked 2 times
No additional details.
Last Updated10/01/2026
18 Month Rate Special Certificate
4.02%
4.10%
18 Months
Rate History
No change since Oct 1, 2026 · 4.10% APY
Min Deposit$500
Min Balance$500
Last Updated10/01/2026
18 Month Rollover Rate Certificate
4.02%
4.10%
18 months
Rate History
No change since Oct 1, 2026 · 4.10% APY
No additional details.
Last Updated10/01/2026
36 Month Rate Special Certificate
3.87%
3.95%
36 Months
Rate History
No change since Oct 1, 2026 · 3.95% APY
Min Deposit$500
Min Balance$500
Last Updated10/01/2026
36 Month Rollover Rate Certificate
3.87%
3.95%
36 months
Rate History
No change since Oct 1, 2026 · 3.95% APY
No additional details.
Last Updated10/01/2026
48 Month Certificate
3.87%
3.95%
48 Months
Rate History
No change since Sep 30, 2026 · 3.95% APY · checked 2 times
Min Deposit$500
Min Balance$500
Last Updated10/01/2026
60 Month Certificate
3.87%
3.95%
60 months
Rate History
No change since Sep 30, 2026 · 3.95% APY · checked 2 times
Min Deposit$500
Min Balance$500
Last Updated10/01/2026
12 Month Step-Up
3.73%
3.80%
12 Months
Rate History
No change since Sep 30, 2026 · 3.80% APY · checked 2 times
Min Balance$500
Last Updated10/01/2026
3 Month Certificate
3.73%
3.80%
3 Months
Rate History
No change since Sep 30, 2026 · 3.80% APY · checked 2 times
Min Deposit$500
Min Balance$500
Last Updated10/01/2026
6 Month Certificate
3.73%
3.80%
6 Months
Rate History
No change since Sep 30, 2026 · 3.80% APY · checked 2 times
Min Deposit$500
Min Balance$500
Last Updated10/01/2026
9 Month Certificate
3.73%
3.80%
9 Months
Rate History
No change since Sep 30, 2026 · 3.80% APY · checked 2 times
Min Deposit$500
Min Balance$500
Last Updated10/01/2026
24 Month Step-Up
3.63%
3.70%
24 Months
Rate History
No change since Sep 30, 2026 · 3.70% APY · checked 2 times
Min Balance$500
Last Updated10/01/2026
USAlliance Financial Savings Rates
Product
Rate
APY
View More
High Dividend Savings
3.34%
3.40%
Rate History
No change since Sep 30, 2026 · 3.40% APY · checked 2 times
Min Balance$500
DetailsRate May Change: Daily
Last Updated10/01/2026
MyLife Savings
1.98%
2.00%
Rate History
No change since Sep 30, 2026 · 2.00% APY · checked 2 times
Min Balance$1
DetailsMyLife Savings (on the first $500); Rate May Change: Daily
Last Updated10/01/2026
STAR Account, IRA retirement savings account only (Traditional, Roth, SEP, SIMPLE)
0.40%
0.40%
Rate History
No change since Sep 30, 2026 · 0.40% APY · checked 2 times
Min Balance$25
Last Updated10/01/2026
Super Savings Money Manager
0.25%
0.25%
Rate History
No change since Sep 30, 2026 · 0.25% APY · checked 2 times
Min Balance$25,000
DetailsBalance: If minimum balance is maintained
Last Updated10/01/2026
Savings Plus
0.10%
0.10%
Rate History
No change since Sep 30, 2026 · 0.10% APY · checked 2 times
Min Balance$500
DetailsBalance: Amounts > $2,000
Last Updated10/01/2026
Savings Plus
0.05%
0.05%
Rate History
No change since Sep 30, 2026 · 0.05% APY · checked 2 times
Min Balance$1
DetailsBalance: on the first $2,000
Last Updated10/01/2026
Share Mgmt, Kids, Teen and Health Savings Accounts
0.05%
0.05%
Rate History
No change since Sep 30, 2026 · 0.05% APY · checked 2 times
Min Balance$1
DetailsBalance: Amounts > $2,000
Last Updated10/01/2026
Super Savings Money Manager
0.05%
0.05%
Rate History
No change since Sep 30, 2026 · 0.05% APY · checked 2 times
Min Balance$25,000
DetailsBalance: If balance falls below minimum
Last Updated10/01/2026
MyLife Savings
0.02%
0.02%
Rate History
No change since Sep 30, 2026 · 0.02% APY · checked 2 times
Min Balance$1
DetailsMyLife Savings (Amounts over $500); Rate May Change: Daily
Last Updated10/01/2026
Share Mgmt, Kids, Teen and Health Savings Accounts
0.02%
0.02%
Rate History
No change since Sep 30, 2026 · 0.02% APY · checked 2 times
Min Balance$1
DetailsBalance: on the first $2,000
Last Updated10/01/2026
USAlliance Financial Money Market Rates
Product
Rate
APY
View More
Business MyLife Money Market
0.60%
0.60%
Rate History
No change since Sep 30, 2026 · 0.60% APY · checked 2 times
Min Balance$1,000,000
DetailsAmounts $1,000,000-$99,999,999.99
Last Updated10/01/2026
Business MyLife Money Market
0.50%
0.50%
Rate History
No change since Sep 30, 2026 · 0.50% APY · checked 2 times
Min Balance$500,000
DetailsAmounts $500,000-$999,999.99
Last Updated10/01/2026
Business MyLife Money Market
0.40%
0.40%
Rate History
No change since Sep 30, 2026 · 0.40% APY · checked 2 times
Min Balance$250,000
DetailsAmounts $250,000-$499,999.99
Last Updated10/01/2026
Business MyLife Money Market
0.25%
0.25%
Rate History
No change since Sep 30, 2026 · 0.25% APY · checked 2 times
Min Balance$100,000
DetailsAmounts $100,000 - $249,999.99
Last Updated10/01/2026
Business MyLife Money Market
0.15%
0.15%
Rate History
No change since Sep 30, 2026 · 0.15% APY · checked 2 times
Min Balance$50,000
DetailsAmounts $50,000 - $99,999.99
Last Updated10/01/2026
Business MyLife Money Market
0.10%
0.10%
Rate History
No change since Sep 30, 2026 · 0.10% APY · checked 2 times
Min Balance$10,000
DetailsAmounts $10,000 - $49,999.99
Last Updated10/01/2026
Business MyLife Money Market
0.07%
0.07%
Rate History
No change since Sep 30, 2026 · 0.07% APY · checked 2 times
Min Balance$2,000
DetailsAmounts $2,000 - $9,999.99
Last Updated10/01/2026
Business MyLife Money Market
-
0.05%
Rate History
No change since Sep 30, 2026 · 0.05% APY · checked 2 times
Min Balance$0
DetailsAmounts less than $2,000
Last Updated10/01/2026
USAlliance Financial Mortgage Rates
Product
Rate
Points
APR
Term
View More
5 Year Adjustable (ARM)
6.38%
-
6.38%
Rate History
No change since Sep 30, 2026 · 6.38% APR · checked 2 times
DetailsAdditional APR listed for this product: 6.453%.
Last Updated10/01/2026
15 Year Fixed
6.75%
-
6.80%
Rate History
No change since Sep 30, 2026 · 6.80% APR · checked 2 times
No additional details.
Last Updated10/01/2026
7 Year Adjustable (ARM)
6.88%
-
6.89%
Rate History
No change since Sep 30, 2026 · 6.89% APR · checked 2 times
DetailsAdditional APR listed for this product: 6.956%.
Last Updated10/01/2026
10 Year Fixed
6.88%
-
6.95%
Rate History
No change since Sep 30, 2026 · 6.95% APR · checked 2 times
No additional details.
Last Updated10/01/2026
10 Year Adjustable (ARM)
7.00%
-
7.01%
Rate History
No change since Sep 30, 2026 · 7.01% APR · checked 2 times
DetailsAdditional APR listed for this product: 7.081%.
Last Updated10/01/2026
15 Year Fixed
7.00%
-
7.02%
Rate History
No change since Sep 30, 2026 · 7.02% APR · checked 2 times
No additional details.
Last Updated10/01/2026
10 Year Fixed
7.00%
-
7.02%
Rate History
No change since Sep 30, 2026 · 7.02% APR · checked 2 times
No additional details.
Last Updated10/01/2026
20 Year Fixed
7.00%
-
7.14%
Rate History
No change since Sep 30, 2026 · 7.14% APR · checked 2 times
No additional details.
Last Updated10/01/2026
30 Year Fixed
7.25%
-
7.26%
Rate History
No change since Sep 30, 2026 · 7.26% APR · checked 2 times
No additional details.
Last Updated10/01/2026
20 Year Fixed
7.25%
-
7.29%
Rate History
No change since Sep 30, 2026 · 7.29% APR · checked 2 times
No additional details.
Last Updated10/01/2026
30 Year Fixed Mortgage
7.38%
-
7.38%
30 Year
Rate History
No change since Sep 30, 2026 · 7.38% APR · checked 2 times
DetailsRates as low as
Last Updated10/01/2026
30 Year Fixed (HomeReady)
7.50%
-
7.53%
Rate History
No change since Sep 30, 2026 · 7.53% APR · checked 2 times
No additional details.
Last Updated10/01/2026
USAlliance Financial Home Equity & HELOC
Product
Rate
Points
APR
Term
View More
Home Equity HELOAN - Primary Residence - 80% CLTV - 5 Year
6.50%
-
6.93%
Rate History
No change since Sep 30, 2026 · 6.93% APR · checked 2 times
No additional details.
Last Updated10/01/2026
Home Equity HELOAN - Primary Residence - 80% CLTV - 10 Year
7.25%
-
7.48%
Rate History
No change since Sep 30, 2026 · 7.48% APR · checked 2 times
No additional details.
Last Updated10/01/2026
Home Equity HELOAN - Primary Residence - 90% CLTV - 5 Year
7.13%
-
7.55%
Rate History
No change since Sep 30, 2026 · 7.55% APR · checked 2 times
No additional details.
Last Updated10/01/2026
Home Equity HELOAN - Primary Residence - 80% CLTV - 15 Year
7.50%
-
7.67%
Rate History
No change since Sep 30, 2026 · 7.67% APR · checked 2 times
No additional details.
Last Updated10/01/2026
Home Equity HELOAN - Primary Residence - 80% CLTV - 20 Year
7.63%
-
7.76%
Rate History
No change since Sep 30, 2026 · 7.76% APR · checked 2 times
No additional details.
Last Updated10/01/2026
Home Equity HELOAN - Primary Residence - 90% CLTV - 10 Year
7.75%
-
7.98%
Rate History
No change since Sep 30, 2026 · 7.98% APR · checked 2 times
No additional details.
Last Updated10/01/2026
Home Equity HELOAN - Primary Residence - 90% CLTV - 15 Year
8.00%
-
8.17%
Rate History
No change since Sep 30, 2026 · 8.17% APR · checked 2 times
No additional details.
Last Updated10/01/2026
Home Equity HELOAN - Primary Residence - 90% CLTV - 20 Year
8.13%
-
8.26%
Rate History
No change since Sep 30, 2026 · 8.26% APR · checked 2 times
No additional details.
Last Updated10/01/2026
USAlliance Financial Credit Card Rates
Product
Rate
APR
View More
Visa Classic Card
-
12.49%
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
No additional details.
Last Updated10/01/2026
Visa Classic Purchases
-
12.49%
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
Detailswhen you open your account based on your creditworthiness. This APR will vary with the market based on the Prime Rate.; APR range: 12.49%, 12.74%, 14.74%, or 18.00%
Last Updated10/01/2026
Visa Platinum Purchases
-
13.74%
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
DetailsThis APR will vary with the market based on the Prime Rate.; APR range: 13.74%, 13.99%, 15.99%, or 18.00%
Last Updated10/01/2026
Visa Signature
-
16.49%
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
No additional details.
Last Updated10/01/2026
Secured Visa Purchases
-
18.00%
Rate History
No change since Sep 30, 2026 · 18.00% APR · checked 2 times
Detailswhen you open your account. This APR will vary with the market based on the Prime Rate.
Last Updated10/01/2026
Visa Secured
-
18.00%
Rate History
No change since Oct 1, 2026 · 18.00% APR
No additional details.
Last Updated10/01/2026
USAlliance Financial Personal Loan Rates
Product
APR
Term
View More
Personal Loan
12.24%
Rate History
No change since Sep 30, 2026 · 12.24% APR · checked 2 times
No additional details.
Last Updated10/01/2026
Personal Loan 25 to 36 Months
12.49%
25 to 36 Months
Rate History
No change since Sep 30, 2026 · 12.49% APR · checked 2 times
No additional details.
Last Updated10/01/2026
Personal Loan 37 to 48 Months
12.99%
37 to 48 Months
Rate History
No change since Sep 30, 2026 · 12.99% APR · checked 2 times
No additional details.
Last Updated10/01/2026
Personal Loan 49 to 60 Months
13.49%
49 to 60 Months
Rate History
No change since Sep 30, 2026 · 13.49% APR · checked 2 times
No additional details.
Last Updated10/01/2026
Signature Line of Credit
13.74%
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
No additional details.
Last Updated10/01/2026
Personal Loan 61 to 72 Months
13.99%
61 to 72 Months
Rate History
No change since Sep 30, 2026 · 13.99% APR · checked 2 times
No additional details.
Last Updated10/01/2026
Personal Loan 73 to 84 Months
14.99%
73 to 84 Months
Rate History
No change since Sep 30, 2026 · 14.99% APR · checked 2 times
No additional details.
Last Updated10/01/2026
Visa Signature
16.49%
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
No additional details.
Last Updated10/01/2026
USAlliance Financial Other Rates
Product
Rate
Points
APY/APR
Term
View More
Conforming Loans
-
-
6.75%
Rate History
No change since Oct 1, 2026 · 6.75% APR
DetailsRates Effective: 10/01/2026. Loan amounts up to $832,750*. Max loan amount listed for is single family home or condo. Max loan amount for 2-family home is $1,066,250; 3-family is $1,288,800; 4-family is $1,601,750.
Last Updated10/01/2026
New/Used 0 to 36 Months Loan
-
-
5.24%
0 to 36 Months
Rate History
No change since Sep 30, 2026 · 5.24% APR · checked 2 times
DetailsAs Low As; F
Last Updated10/01/2026
New/Used 37 to 60 Months Loan
-
-
5.74%
37 to 60 Months
Rate History
No change since Sep 30, 2026 · 5.74% APR · checked 2 times
DetailsAs Low As; F
Last Updated10/01/2026
New/Used 61 to 72 months Loan
-
-
6.49%
61 to 72 months
Rate History
No change since Sep 30, 2026 · 6.49% APR · checked 2 times
DetailsAs Low As; F
Last Updated10/01/2026
New/Used 73 to 84 months (2022+ only) Loan
-
-
6.99%
73 to 84 months
Rate History
No change since Sep 30, 2026 · 6.99% APR · checked 2 times
DetailsAs Low As; F
Last Updated10/01/2026
11 Month No Early Withdrawal Penalty Certificate
3.92%
-
4.00%
11 Months
Rate History
No change since Oct 1, 2026 · 4.00% APY
Min Deposit$500
Min Balance$500
DetailsNot available for Individual Retirement Accounts (IRA), Health Savings Accounts (HSA), or Coverdell education savings accounts (Coverdell ESA).
Last Updated10/01/2026
Coverdell Education Savings Account (ESA)
0.65%
-
0.65%
Rate History
No change since Sep 30, 2026 · 0.65% APY · checked 2 times
Min Balance$1
Last Updated10/01/2026
Platinum Money Manager
0.30%
-
0.30%
Rate History
No change since Sep 30, 2026 · 0.30% APY · checked 2 times
Min Balance$75,000
DetailsBalance: If minimum balance is maintained
Last Updated10/01/2026
Silver Money Manager
0.20%
-
0.20%
Rate History
No change since Sep 30, 2026 · 0.20% APY · checked 2 times
Min Balance$5,000
DetailsBalance: If minimum balance is maintained
Last Updated10/01/2026
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
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Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Average Rating
☆☆☆☆☆
Total Reviews
0
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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.
Current USAlliance Financial Rates
12-Month CD3.80%
18-Month CD4.10%
24-Month CD3.70%
60-Month CD3.95%
Savings0.02%
MMA0.05%
Retrieved from our database of financial products. Rates subject to change.
Brian McKay
