Loan Rates

Rates

Loan Rates

All rates accurate as of January 1, 2020 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: 1/1/2021

Loan Type	APR (As Low As)	Daily Periodic Rate
Savings Secured Line of Credit	4.99%V	0.01847%
Stock Prime Line of Credit	5.50%V	0.01986%
Signature Line of Credit	9.99%V	0.03216%

Credit Cards

Rates Effective: 1/1/2021

Credit Cards	APR (As Low As)	Daily Periodic Rate
Visa® Classic	8.74%V		Members sign in to apply
Visa Signature	12.74%V		Members sign in to apply

Personal Loans

Rates Effective: 1/1/2021

Personal Loans	APR (As Low As)
Personal Loan 0 to 24 Months^	9.74%F	Members sign in to apply
Personal Loan 25 to 36 Months^	9.99%F	Members sign in to apply
Personal Loan 37 to 48 Months^	10.49%F	Members sign in to apply
Personal Loan 49 to 60 Months^	10.99%F	Members sign in to apply
Personal Loan 61 to 72 Months^	11.49%F	Members sign in to apply
Personal Loan 73 to 84 Months^	12.49%F	Members sign in to apply

Repayment example; The monthly payment for a $15,000 personal loan at the advertised rate of 9.99% for a term of 36 months would be $483.94.

 

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

Rates Effective: 1/1/2021

Vehicle Loans	APR (As Low As)
New/Used 0 to 36 Months**^	3.49%F	Members sign in to apply
New/Used 37 to 60 Months **^	3.74%F	Members sign in to apply
New/Used 61 to 72 months**^	4.49%F	Members sign in to apply
New/Used 73 to 84 months**^  (2014+ only)	4.99%F	Members sign in to apply

Repayment example: The monthly payment for a $25,000 auto loan at the advertised rate of 3.49% for a term of 60 months would be $454.68.

^ 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.

 

Visa® Credit Card Application and Solicitation Disclosure

Rates Effective: 1/1/2021

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 January 1, 2020. 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.