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Loan Rates

Rates

Loan Rates

All rates accurate as of June 1, 2023 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.

Loan Rates

Rates Effective: 6/1/2023

Loan Type APR (As Low As) Daily Periodic Rate  
Savings Secured Line of Credit 9.99%V 0.01847% Apply Now
Stock Prime Line of Credit 10.50%V 0.01986% Apply Now
Signature Line of Credit 14.99%V 0.03216% Apply Now
Learn More About Loans

 

Credit Cards

Rates Effective: 6/1/2023

Credit Cards APR (As Low As) Daily Periodic Rate  
Visa® Classic 13.74%V   Apply Now Members sign in to apply
Visa Signature 17.74%V   Apply Now Members sign in to apply


Learn More About Credit Cards 

Personal Loans

Rates Effective: 6/1/2023

Personal Loans APR (As Low As)  
Personal Loan 0 to 24 Months^ 11.99%F  Apply Now Members sign in to apply
Personal Loan 25 to 36 Months^ 12.24%F  Apply Now Members sign in to apply 
Personal Loan 37 to 48 Months^ 12.74%F  Apply Now Members sign in to apply
Personal Loan 49 to 60 Months^ 13.24%F  Apply Now Members sign in to apply
Personal Loan 61 to 72 Months^ 13.74%F  Apply Now Members sign in to apply
Personal Loan 73 to 84 Months^ 14.74%F  Apply Now Members sign in to apply

Repayment example; The monthly payment for a $15,000 personal loan at the advertised rate of 12.24% for a term of 36 months would be $489.24.
Learn More About Personal Loans

 

Vehicle Loans (Vehicles with more than 75,000 miles may be subject to additional restrictions.)

Rates Effective: 6/1/2023

Vehicle Loans APR (As Low As)  
New/Used 0 to 36 Months**^ 5.99%F Apply NowMembers sign in to apply
New/Used 37 to 60 Months **^ 6.24%F Apply NowMembers sign in to apply
New/Used 61 to 72 months**^  6.99%F Apply NowMembers sign in to apply

New/Used 73 to 84 months**^  (2019+ only)

7.49%F Apply NowMembers sign in to apply

Repayment example: The monthly payment for a $25,000 auto loan at the advertised rate of 6.24% for a term of 60 months would be $465.96.

^ Published rate for vehicle loans and personal loans can be attained by enrolling for automatic loan payment from a USALLIANCE account (amount must be equal to or greater than monthly loan payment)or through ACH. If automatic payment is not instituted, APR is 0.25% higher than published APR. 

**Rates may vary based on terms as well as credit history and are set by the Asset and Liability Committee of USALLIANCE Financial.

Learn More About Vehicle Loans

 

Visa® Credit Card Application and Solicitation Disclosure

Rates Effective: 6/1/2023

Visa® Credit Card APR Interest Rate and Interest Charges
Visa® Platinum Purchases 14.99, 15.24, 17.24, or 18.00% based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
Visa® Classic Purchases 13.74, 13.99, 15.99, or 18.00% 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 14.99, 15.24, 17.24, or 18.00% based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
Visa® Classic Balance Transfers 13.74, 13.99, 15.99, or 18.00% 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 14.99, 15.24, 17.24, 18.00, or 18.00% based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
Visa® Classic Cash Advances 13.74, 13.99, 15.99, or 18.00% when you open your account based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
Visa® Signature Purchases 17.74, 17.99, 18.00, or 18.00% based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
Visa® Signature Cash Advances 17.74, 17.99, 18.00, or 18.00% based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
Visa® Signature Balance Transfers 17.74, 17.99, 18.00, or 18.00% based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
Secured Visa® Purchases 18.00% when you open your account. This APR will vary with the market based on the Prime Rate.
Secured Visa® Cash Advances 18.00% when you open your account. This APR will vary with the market based on the Prime Rate.
Secured Visa® Balance Transfers 18.00% when you open your account. This APR will vary with the market based on the Prime Rate.

Penalty APR and When it Applies

None

How to Avoid Paying Interest on Purchases

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.

Credit Card Tips from the Federal Reserve

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.consumerfinance.gov/learnmore.

 

Fees

Set-up and Maintenance Fees (all cards)

Annual Fee
None

Additional Card Fee
None

Transaction Fees (all cards)

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.

Penalty Fees (all cards)

Late Payment
 First occurrence      $27.00                                                                                                                                                                                                                   Subsequent occurrences within 6 months    $38.00                                                                                                                                                                 Late fee resets to $27.00 if on-time payments are made for 6 consecutive months                                                                                                                                                                                                                                                                                                                

Returned Payment
$35.00 for returned check payments
$35.00 for returned ACH payments

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 June 1, 2023. 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.

USALLIANCE Financial

  • 411 Theodore Fremd Ave.
  • Suite 350
  • Rye, NY 10580-1426

ABA Routing Number:

  • 221981063

Contact Us

  • +1 (800) 431-2754
  • memberservices@usalliance.org
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About USALLIANCE

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 120,000+ members worldwide.

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*APR = Annual Percentage Rate | APY = Annual Percentage Yield

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