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Rates
All yields accurate as of November 24, 2023 and subject to change after the account is opened.
Fees could reduce earnings on accounts.
APY = Annual Percentage Yield, DD/DW = Day of Deposit/Day of Withdrawal
Savings Rates
Rates Effective: 11/24/2023
| Statement Savings | Dividend Rate | APY | Term | Minimum Balance Required | Rate May Change | Open Account |
|---|---|---|---|---|---|---|
| High Dividend Savings | 4.5454% | 4.65% | DD/DW | $500.00 | Daily | |
| MyLife Savings (on the first $500) |
1.9810% | 2.00% | DD/DW | $1.00 | Daily | |
| MyLife Savings (Amounts over $500) |
0.020% | 0.02% | DD/DW | $1.00 | Daily | |
| MyLife Savings for Kids (on the first $500) |
1.9810% | 2.00% | DD/DW | $1.00 | Daily | |
| MyLife Savings for Kids (Amounts over $500) |
0.020% | 0.02% | DD/DW | $1.00 | Daily |
MyLife Money
Market Rates
(Rates also apply to
our Business Money Market
rates.)
Rates Effective: 11/24/2023
| Statement Savings | Dividend Rate | APY | Term | Minimum Balance Required | Rate May Change |
|---|---|---|---|---|---|
| MyLife Money Market (Amounts $1,000,000- $99,999,999.99) |
0.5983% | 0.60% | DD/DW | $1,000,000 | Daily |
| MyLife Money Market (Amounts $500,000-$999,999.99) |
0.4989% | 0.50% | DD/DW | $500,000 | Daily |
| MyLife Money Market (Amounts $250,000-$499,999.99) |
0.3993% | 0.40% | DD/DW | $250,000 | Daily |
| MyLife Money Market (Amounts $100,000 - $249,999.99) |
0.2498% | 0.25% | DD/DW | $100,000 | Daily |
| MyLife Money Market (Amounts $50,000 - $99,999.99) |
0.14995% | 0.15% | DD/DW | $50,000 | Daily |
| MyLife Money Market (Amounts $10,000 - $49,999.99) |
0.1000% | 0.10% | DD/DW | $10,000 | Daily |
| MyLife Money Market (Amounts $2,000 - $9,999.99) |
0.0700% | 0.07% | DD/DW | $2,000 | Daily |
| MyLife Money Market (Amounts less than $2,000) |
0 .050% | 0.05% | DD/DW | $0 | Daily |
Certificate Accounts
Certificate Account products are available for Individial Retirement Accounts (IRAs),
with the exception of the 11 Month Special Certificate (No Early Withdrawal Penalty).
Fixed Rate (similar to CDs)
Certificate Accounts
Rates Effective: 11/24/2023
| Fixed Rate Accounts | Dividend Rate | APY | Term | Minimum Balance Required | Open Account |
|---|---|---|---|---|---|
| 60 Month | 3.3439% | 3.40% | 5 Years | $500 | |
| 48 Month | 3.3439% | 3.40% | 4 Years | $500 | |
| 36 Month1 | 3.3439% | 3.40% | 3 Years | $500 | |
| 24 Month1 | 2.079% | 2.10% | 24 Months | $500 | |
| 18 Month1 | 5.0700% | 5.20% | 18 Months | $500 | |
| 12 Month1 | 5.0700% | 5.20% | 1 Year | $500 | |
| 11 Month2 No Early Withdrawal Penalty |
4.8830% | 5.00% | 11 Months | $500 | |
| 9 Month1 | 1.9807% | 2.00% | 9 Months | $500 | |
| 6 Month | 4.1630% | 4.25% | 6 Months | $500 | |
| 3 Month | 0.7480% | 0.75% | 3 Months | $500 | |
|
|||||
Step-Up Rate
(similar to CDs)
Rates Effective: 11/24/2023
| Step-Up Rate Accounts | Dividend Rate | APY | Term | Minimum Balance Required | Open Account |
|---|---|---|---|---|---|
| 24 Month Step-Up | 0.5983% | 0.60% | 2 Years | $500 |
|
| 12 Month Step-Up | 0.4989% | 0.50% | 1 Year | $500 |
|
|
|||||
Additional Savings
Rates
Rates Effective: 11/24/2023
| Statement Savings | Dividend Rate | APY | Term | Minimum Balance Required | Rate May Change |
|---|---|---|---|---|---|
| Platinum Money Manager (If minimum balance is maintained) |
0.2996% | 0.30% | DD/DW | $75,000 | Daily |
| Platinum Money Manager (If balance falls below minimum) |
0.050% | 0.05% | DD/DW | $75,000 | Daily |
| Diamond Money Manager (If minimum balance is maintained) |
0.2498% | 0.25% | DD/DW | $50,000 | Daily |
| Diamond Money Manager (If balance falls below minimum) |
0.050% | 0.05% | DD/DW | $50,000 | Daily |
| Silver Money Manager (If minimum balance is maintained) |
0.200% | 0.20% | DD/DW | $5,000 | Daily |
| Silver Money Manager (If balance falls below minimum) |
0.050% | 0.05% | DD/DW | $5,000 | Daily |
| Education Savings Coverdell Education Savings Account (ESA) |
0.650% | 0.65% | DD/DW | $1.00 | Daily |
| STAR Account IRA retirement savings account only (Traditional, Roth, SEP, SIMPLE) |
0.400% | 0.40% | DD/DW | $25.00 | Daily |
| Club Account | 0.250% | 0.25% | 1 - 12 Months | $1.00 | Daily |
| Super Savings Money Manager (If minimum balance is maintained) |
0.250% | 0.25% | DD/DW | $25,000 | Daily |
| Super Savings Money Manager (If balance falls below minimum) |
0.050% | 0.05% | DD/DW | $25,000 | Daily |
| Savings Plus (Amounts > $2,000) |
0.100% | 0.10% | DD/DW | $500 | Daily |
| Savings Plus (on the first $2,000) |
0.050% | 0.05% | DD/DW | $1.00 | Daily |
| Share Mgmt, Kids, Teen and Health Savings Accounts (Amounts > $2,000) |
0.050% | 0.05% | DD/DW | $1.00 | Daily |
| Share Mgmt, Kids, Teen and Health Savings (on the first $2,000) |
0.020% | 0.02% | DD/DW | $1.00 | Daily |
USALLIANCE Financial
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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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USAlliance Federal Credit Union d/b/a USALLIANCE Financial
NMLS #562301 Equal Housing Lender
*APR = Annual Percentage Rate | APY = Annual Percentage Yield
Federally Insured by NCUA