USALLIANCE is the engine for co-operative values providing innovative financial services to our diverse members and communities of common interest.


We envision a world in which everyone is empowered to utilize financial resources to improve their lives.

USALLIANCE is a full-service not-for-profit financial institution federally insured by the NCUA, offering a full range of checking, savings, credit card, and loan products as well as various online banking services to over 150,000 members worldwide. Our members have access to 5,300 branch facilities and 30,000 surcharge-free ATMs across the country, in addition to USALLIANCE’s industry leading mobile banking app.

In 1966, the International Business Machines Corporation (IBM) was an emerging pioneer in the information technology industry. It was during this same time that a small group of IBM employees banded together to create a financial institution to serve the unique monetary needs of Tri-State Area IBM employees, which grew to become USALLIANCE Financial.

Since those early days serving a small group of IBM employees, we have expanded our reach and evolved into an ever-growing multi-faceted $3 billion cooperative serving over 150,000 members worldwide, including the employees of American Express, PepsiCo, and of course, IBM.


Our community charters encompass a variety of neighborhoods including town of West Haven in Connecticut; qualifying districts of Manhattan, Mount Vernon, and the Bronx in New York; the Massachusetts counties of Barnstable, Essex, Middlesex, Norfolk, Plymouth, Suffolk, and Worcester; the New Jersey counties of Bergen and Passaic; as well as many colleges and universities, houses of worship, and local and state employees of qualifying counties in NY. We also provide financial membership services for many great community-oriented organizations such as ASCAP, AOPA, Tread Lightly, and the New York Historical Society, just to name a few.


At USALLIANCE, despite our constant growth to provide all the products and services typically associated with big banks, our focus remains on our members and providing them with the personalized service of a credit union. We provide our members with a number of significant benefits such as:

Volunteer Leader Opportunities

Volunteers at USALLIANCE serve on the Board of Directors, on the Supervisory Committee and as Associate Directors – they are an integral part of our success. Help us continue to grow and respond to members’ needs by lending your unique experience. Volunteer today.

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Be a part of the cooperative


Member Benefits

Become a member today and start experiencing how we can help you achieve your dreams and save you money!


Credit Union Difference

As a Credit Union, USALLIANCE was founded on the cooperative motto of “people helping people.”

Board Table

Governance & Leadership

USALLIANCE Financial is governed by a Board of Directors, elected by our members. Elected volunteers provide strategic direction and governance, as well as monitor the overall affairs of the Credit Union.