All rates accurate as of August 1, 2017 and subject to change.
V = Variable Rate, F = Fixed Rate, APR = Annual Percentage Rate
Please note that variable loan rates may change over the life of the loan.
Rates Effective: 8/01/2017
| Loan Type | APR (As Low As) | Daily Periodic Rate |
|---|---|---|
| Savings Secured Line of Credit | 5.99%V | .016411% |
| Stock Secured Line of Credit | 8.24%V | .022575% |
| Stock Prime Line of Credit | 6.50%V | .017808% |
| Signature Line of Credit | 10.99%V | .030101% |
Rates Effective: 8/01/2017
| Credit Cards | APR (As Low As) | Daily Periodic Rate |
|---|---|---|
| Visa® Platinum* | 10.99%V | |
| Visa® Classic | 9.74%V | |
| Visa Signature | 11.74%V |
*No longer available to new cardholders
Rates Effective: 8/01/2017
| Personal Loans | APR (As Low As) |
|---|---|
| Personal Loan 0 to 24 Months^ | 9.49%F |
| Personal Loan 25 to 36 Months^ | 9.74%F |
| Personal Loan 37 to 48 Months^ | 10.24%F |
| Personal Loan 49 to 60 Months^ | 10.74%F |
| Personal Loan 61 to 72 Months^ | 11.24%F |
| Personal Loan 73 to 84 Months^ | 12.24%F |
Repayment example; The monthly payment for a $15,000 personal loan at the advertised rate of 9.49% for a term of 24 months would be $688.65.
Rates Effective: 8/01/2017
| Vehicle Loans | APR (As Low As) |
|---|---|
| New/Used 0 to 24 Months**^ | 2.99%F |
| New/Used 25 to 60 Months **^ | 3.24%F |
| New/Used 61 to 72 months**^ | 3.99%F |
| New/Used 73 to 84 months**^ | 4.49%F |
Repayment example: The monthly payment for a $20,000 auto loan at the advertised rate of 2.99% for a term of 48 months would be $442.60.
Rates Effective: 8/01/2017
| Boats/RVs/Aircraft | Apply today. Rates as low as 4.24% APR. Rates based on credit and collateral considerations. |
Rates Effective: 8/01/2017
| Real Estate Products | APR (As Low As) | Daily Periodic Rate |
|---|---|---|
| Home Equity Line of Credit** Primary Residence 80% Combined Loan to Value | 4.250%V | |
| Home Equity Line of Credit** Primary Residence 80.01% to 85% Combined Loan to Value | 4.625%V | |
| Home Equity Line of Credit** Primary Residence 80%/10%/10% Program for Purchase Only | 5.500%V | |
| Home Equity Line of Credit** Primary Residence 75%/15%/10% Program for Purchase Only | 5.750%V | |
| Home Equity Line of Credit** Vacation Home 85% Combined Loan to Value | 4.625%V | |
| **Rates are based on the term of the loan and set by the Asset/Liability Committee of USALLIANCE Financial ^ Published rate for vehicle loans and personal loans can be attained by meeting the following 2 conditions; 1) direct deposit (payroll, Social Security or pension) and 2) automatic loan payment from a USALLIANCE account (amount must be equal to or greater than monthly loan payment). If only one condition is met, APR is 0.25% higher than published APR. If no conditions are met, APR is 0.50% higher than published APR. Home Equity Line of Credit Variable annual percentage rate (APR) is calculated based on the Prime Rate, as posted in The Wall Street Journal, as low as the Prime Rate plus a margin of 0.000% or as high as the Prime Rate plus a margin of 3.000%. Margins are set based on the risk associated with the loan and an individual’s or joint credit history.The minimum interest rate is 4% and the maximum interest rate is 18%. Advertised rate assumes an 80% loan to value ratio for primary residence and second homes. Minimum line of credit is $25,000. Loan requests over $250,000 will require manager approval. Loan requests over $500,000 will be subject to a minimum of .25% add to the rate. USALLIANCE Home Equity Line of Credit (HELOC) is available for one to four family structures including second homes and condominium units, excluding co-ops and investment properties. Finance charges begin to accrue from the day of the initial advance. Initial draw period is for ten (10) years. Initial draw must be a minimum of $25,000 and a minimum of $500 for additional draws. Minimum payments are interest only during the draw period, up to twenty (20) years of principal plus interest thereafter. Homeowner’s insurance is required; flood insurance is required where applicable. Consult a tax advisor regarding the deductibility of interest. Rates are subject to change. For Home Equity transactions, USALLIANCE Financial lends in all States EXCEPT the following: AK, HI, SC, TX. USALLIANCE Financial cannot grant home equities on cooperatives, investment properties, properties held in revocable, irrevocable or realty trusts, held in a life estate or held in a leasehold. EQUAL HOUSING LENDER |
||
Rates Effective: 8/01/2017
| Visa® Credit Card | APR | Interest Rate and Interest Charges |
|---|---|---|
| Visa® Platinum | Purchases | 4.99% Introductory APR for 180 days from the issuance of the card, based on your creditworthiness. After that your APR will be 10.99, 11.24, 13.24, 16.24, or 18% based on your creditworthiness. This APR will vary with the market based on the Prime Rate. |
| Visa® Classic | Purchases | 9.74, 9.99, 11.99, or 18% when you open your account based on your creditworthiness. This APR will vary with the market based on the Prime Rate. |
| Visa® Platinum | Balance Transfers | 4.99% Introductory APR for 180 days from the issuance of the card, based on your creditworthiness. After that your APR will be 10.99, 11.24, 13.24, 16.24, or 18% based on your creditworthiness. This APR will vary with the market based on the Prime Rate. |
| Visa® Classic | Balance Transfers | 9.74, 9.99, 11.99, or 18% when you open your account based on your creditworthiness. This APR will vary with the market based on the Prime Rate. |
| Visa® Platinum | Cash Advances | 4.99% Introductory APR for 180 days from the issuance of the card, based on your creditworthiness. After that your APR will be 10.99, 11.24, 13.24, 16.24, or 18% based on your creditworthiness. This APR will vary with the market based on the Prime Rate. |
| Visa® Classic | Cash Advances | 9.74, 9.99, 11.99, or 18% when you open your account based on your creditworthiness. This APR will vary with the market based on the Prime Rate. |
| Visa® Signature | Purchases | 4.99% Introductory APR for 180 days from the issuance of the card, based on your creditworthiness. After that your APR will be 11.74, 11.99, 13.99, 16.99 or 18% based on your creditworthiness. This APR will vary with the market based on the Prime Rate. |
| Visa® Signature | Cash Advances | 11.74, 11.99, 13.99, 16.99 or 18% based on your creditworthiness. This APR will vary with the market based on the Prime Rate. |
| Visa® Signature | Balance Transfers | 4.99% Introductory APR for 180 days from the issuance of the card, based on your creditworthiness. After that your APR will be 11.74, 11.99, 13.99, 16.99 or 18% based on your creditworthiness. This APR will vary with the market based on the Prime Rate. |
| Secured Visa® | Purchases | 18% when you open your account. This APR will vary with the market based on the Prime Rate. |
| Secured Visa® | Cash Advances | 18% when you open your account. This APR will vary with the market based on the Prime Rate. |
| Secured Visa® | Balance Transfers | 18% when you open your account. This APR will vary with the market based on the Prime Rate. |
None
Your due date is at least 25 days from the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month.
Minimum Interest Charge
If you are charged interest, the charge will be no less than $1.00
To learn more about factors to consider when applying for or using a credit card, visit the website of the Federal Reserve Board at www.federalreserve.gov/creditcard.
Annual Fee
None
Additional Card Fee
None
Balance Transfer
For Visa® Platinum, Visa® Classic: Either $10 or 3% of the amount of each transfer, whichever is greater.
For Visa® Signature: Either $10 or 5% of the amount of each transfer, whichever is greater.
Cash Advance
For Visa® Platinum, Visa® Classic: Either $10 or 3% of the amount of each cash advance, whichever is greater.
For Visa® Signature: Either $10 or 5% of the amount of each cash advance, whichever is greater.
Foreign Transaction
1% of any transaction that you complete or a merchant completes on your card outside the U.S., Puerto Rico or the U.S. Virgin Islands.
Late Payment
$25.00
Returned Payment
$25.00
How We Will Calculate Your Balance.We use a method called “average daily balance (including new purchases).”
Effective Date. The information about the cost of the credit cards described above is accurate as of 08/01/2017. The information may have changed after that date. To find out what may have changed you may write us at 411 Theodore Fremd Avenue, Suite 350 Rye NY 10580-1410 or call us toll free at 800.431.2754.
+1 (800) 431-2754
memberservices@usalliance.org
USALLIANCE Financial is a full-service credit union that offers a wide range of banking services. We develop and implement custom-made, secure, and innovative products for many great organizations, in addition to our 90,000 members worldwide.
