Savings & Certificate Rates1
Put your money to work for you! Our High Dividend Savings Account2 and Certificate Accounts have rates much higher than a standard savings account to accelerate your savings.
| Product | APY* |
|---|---|
| High Dividend Savings | 3.75% |
| 18 Month Certificate | 4.30% |
| 12 Month Certificate | 4.40% |
Loan Rates3
No matter what your financial goals are, USALLIANCE can help you accomplish them with our full suite of loan products featuring some of the best rates in the industry.
| Product | APR* (as low as) |
|---|---|
| Visa Classic Card | 12.99% |
| Personal Loan | 12.24% |
| Auto Loan | 5.99% |
Home Lending Rates4
Whether you’re looking to buy a home with a great rate on a mortgage, or you have equity in your home and want to apply for a loan or line of credit, USALLIANCE is here for you.
| Product | APR* (as low as) |
|---|---|
| 30 Year Fixed | 6.826% |
| HELOC | PRIME + 0.250% |
| Home Equity Loan | 6.927% |
1 - Rates accurate as of April 1, 2025. Rate is subject to change after the account is open for variable rate accounts. Dividends are calculated and compounded daily and credited monthly on the last calendar day of the month. A minimum balance of $500 is required to earn dividends on Certificate Accounts. The APY for all accounts is based on the assumption that dividends will remain in the account until maturity (or one year). Fees may reduce earnings on accounts. These accounts may be subject to early withdrawal fees and other conditions, which are detailed in our Truth in Savings Disclosure and Membership Agreement, Certificate Account Disclosure, and Fees and Service Charges Schedule.
2 - High Dividend Savings is a variable rate savings account. Rate valid as of April 1, 2025, rate is subject to change after the account is opened. Dividends are calculated and compounded daily and credited monthly on the last calendar day of each month. Minimum balance of $500 is required to earn dividends. Fees may reduce earnings on account.
3 - Rates are valid as of March 1, 2025 and subject to change. Variable rates may change over the life of the loan. Rates may vary based on terms as well as credit history and are set by the Asset and Liability Committee of USALLIANCE Financial.
4 - Rates Effective: . USALLIANCE Financial is not responsible for any rates that may change prior to an executed rate lock commitment letter. Click to view our Rate Lock Policy. Please note: you cannot lock in a rate until you have a signed contract on a property or are refinancing. The Annual Percentage Rate (APR), listed with the Home Lending rates, is based upon loan to values of 80% or less. Loan to values greater than 80% will require private mortgage insurance and your APR will be higher. The APR is estimated based on loan size of $100,000 for conforming loans and $510,400 for jumbo loans. APR may be higher for cash-out refinance applications. Interest rates and loan programs shown are subject to change without notice and assume excellent credit. A consumer credit report will be obtained in connection with an application. The name and address of the agency and/or agencies providing the credit report will be furnished upon request. A consumer credit report may also be requested in connection with any update, renewal or extension of the credit for which application is made.