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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
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 19, 2026
USALLIANCE's 12 Month CD rates are at 4.50%. USALLIANCE's savings rates are at 2.00%. USALLIANCE's Conforming Loans - 10 Year Fixed rates are at 6.38%, Jumbo Loan - 5 Year Adjustable (ARM) rates are at 6.62%, Conforming Loans - 15 Year Fixed rates are at 6.62%, Conforming Loans - 5 Year Adjustable (ARM) rates are at 6.62%, Conforming Loans - 20 Year Fixed rates are at 6.88%. USALLIANCE's Personal Loan Rates are as low as 16.49%. USALLIANCE's Credit Card Rates are at 12.49%. 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 10/19/2026. 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. USALLIANCE
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 CD Rates
USALLIANCE Savings Rates
USALLIANCE Mortgage Rates
USALLIANCE Credit Card Rates
USALLIANCE Personal Loan Rates
USALLIANCE Other Rates
Financial Health HistoryUSALLIANCE’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 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
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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Frequently Asked Questions About USALLIANCEDoes USALLIANCE offer CDs?Yes. USALLIANCE offers share certificates (CDs) with fixed interest rates across multiple term lengths. Its current CD rates, verified by MonitorBankRates, are listed on this page. Are CDs from USALLIANCE NCUA insured?Yes. USALLIANCE 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?The highest CD rate MonitorBankRates has verified for USALLIANCE is 4.50% APY on its 12 Month CD, as of October 19, 2026. What CD terms does USALLIANCE offer?The USALLIANCE CD terms we track include 12 month terms. The institution may offer other terms or specials that are not listed here, so check with USALLIANCE for its full lineup. What is the highest savings rate at USALLIANCE?The highest savings rate MonitorBankRates has verified for USALLIANCE is 2.00% APY on its MyLife Savings, as of October 19, 2026. What is the lowest 30 year fixed mortgage rate at USALLIANCE?The lowest 30 year fixed mortgage rate MonitorBankRates has verified for USALLIANCE is 7.25% rate on its 30 Year Fixed Mortgage, as of October 19, 2026. What is the lowest personal loan rate at USALLIANCE?The lowest personal loan rate MonitorBankRates has verified for USALLIANCE is 16.49% APR on its Visa Signature, as of October 19, 2026. What is the lowest credit card APR at USALLIANCE?The lowest credit card rate MonitorBankRates has verified for USALLIANCE is 12.49% APR on its Visa Classic Credit Card, as of October 19, 2026. 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. 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 rates compare?USALLIANCE's top rates are 4.50% APY on its 12 Month CD, 2.00% APY on savings, 6.375% on its Conforming Loans - 10 Year Fixed, personal loans from 16.49% APR and credit cards from 12.49% APR, verified by MonitorBankRates on October 19, 2026. To compare USALLIANCE with the top rates nationwide, see our best CD rates, best savings rates, best mortgage rates and best personal loan rates, updated daily from banks and credit unions across the country. Current USALLIANCE Rates
Retrieved from our database of financial products. Rates subject to change.
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