Savings Rates | Certificate Rates | USALLIANCE Financial

Rates

All yields accurate as of July 1, 2025 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: 7/1/2025

Statement Savings	Dividend Rate	APY	Term	Minimum Balance Required	Rate May Change	Open Account
High Dividend Savings	3.6820%	3.75%	DD/DW	$500.00	Daily	Open Now Members log in to open
MyLife Savings (on the first $500)	1.9810%	2.00%	DD/DW	$1.00	Daily	Open Now Members log in to open
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	Open Now Contact Member Services to open
MyLife Savings for Kids (Amounts over $500)	0.020%	0.02%	DD/DW	$1.00	Daily

Learn More About High Dividend Savings

Certificate Accounts

Certificate Account products (similar to CDs) are available for Individual Retirement Accounts (IRAs),
with the exception of the 11 Month Special Certificate (No Early Withdrawal Penalty).

Fixed Rate

Certificate Accounts

Rates Effective: 7/1/2025

Fixed Rate Accounts	Dividend Rate	APY	Term	Minimum Balance Required	Open Account
60 Month	3.9224%	4.00%	60 months	$500	Open Now Members log in to open
48 Month	3.9224%	4.00%	48 Months	$500	Open Now Members log in to open
36 Month¹ Rate Special	3.9224%	4.00%	36 Months	$500	Open Now Members log in to open
24 Month¹ Rate Special	4.2585%	4.35%	24 Months	$500	Open Now Members log in to open
18 Month¹ Rate Special	4.3542%	4.45%	18 Months	$500	Open Now Members log in to open
12 Month¹ Rate Special	4.2106%	4.30%	12 Months	$500	Open Now Members log in to open
11 Month² No Early Withdrawal Penalty	4.1147%	4.20%	11 Months	$500	Open Now Members log in to open
9 Month	3.9227%	4.00%	9 Months	$500	Open Now Members log in to open
6 Month	3.9227%	4.00%	6 Months	$500	Open Now Members log in to open
3 Month	3.9233%	4.00%	3 Months	$500	Open Now Members log in to open
Dividends are calculated and compounded daily and credited monthly on the last calendar day of the month. The APY for all accounts is based on an assumption that dividends will remain in the account until maturity. A withdrawal will reduce earnings. A premature withdrawal from a Certificate will incur a significant penalty. All term accounts are available for a range of maturity days to permit you to schedule redemption for a business day. These accounts are subject to fees which will reduce your total earnings and other conditions which are detailed in our Membership Disclosure Booklet; Certificate Account Disclosure Form; and Fees and Service Charges Schedule. ¹ Promotional rates. Certificates will renew at regular rates upon maturity. Regular share certificates with a term of 36 months provides a 4.00% APY. Regular share certificates with a term of 24 months provides a 4.35% APY. Regular share certificates with a term of 18 months provides a 4.45% APY. Regular share certificates with a term of 12 months provides a 4.30% APY. ²11 Month No Penalty Certificate is not available for Individual Retirement Accounts (IRA), Health Savings Accounts (HSA), or Coverdell education savings accounts (Coverdell ESA).

Learn More About Certificate Accounts

Step-Up Certificates

Rates Effective: 7/1/2025

Step-Up Rate Accounts	Dividend Rate	APY	Term	Minimum Balance Required	Open Account
24 Month Step-Up	4.0185%	4.10%	24 Months	$500	Open Now Members log in to open
12 Month Step-Up	4.2106%	4.30%	12 Months	$500	Open Now Members log in to open
Member can request a one-time rate increase prior to maturity. On the date of the request, we will adjust the rate to match the USALLIANCE rate posted for the current Step-Up certificate with the same original maturity (12 or 24 months).

Learn More About Certificate Accounts

MyLife Money
Market Rates
(Rates also apply to
our Business Money Market
rates.)

Rates Effective: 7/1/2025

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
Open Now Members log in to open

Learn More About MyLife Money Market

Additional Savings Rates

Rates effective: 7/1/2025. Rates may change daily.

Platinum Money Manager (If minimum balance is maintained): 0.2996% dividend rate, 0.30% APY, DD/DW term, $75,000 required minimum balance.
Platinum Money Manager (If balance falls below minimum): 0.050% dividend rate, 0.05% APY, DD/DW term, $75,000 required minimum balance.
Diamond Money Manager (If minimum balance is maintained): 0.2498% dividend rate, 0.25% APY, DD/DW term, $50,000 required minimum balance.
Diamond Money Manager (If balance falls below minimum): 0.050% dividend rate, 0.05% APY, DD/DW term, $50,000 required minimum balance.
Silver Money Manager (If minimum balance is maintained): 0.200% dividend rate, 0.20% APY, DD/DW term, $5,000 required minimum balance.
Silver Money Manager (If balance falls below minimum): 0.050% dividend rate, 0.05% APY, DD/DW term, $5,000 required minimum balance.
Coverdell Education Savings Account (ESA): 0.650% dividend rate, 0.65% APY, DD/DW term, $1.00 required minimum balance.
STAR Account, IRA retirement savings account only (Traditional, Roth, SEP, SIMPLE): 0.400% dividend rate, 0.40% APY, DD/DW, $25.00 required minimum balance.
Club Account: 0.250% dividend rate, 0.25% APY, 1 - 12 Month term, $1.00 required minimum balance.
Super Savings Money Manager (If minimum balance is maintained): 0.250% dividend rate, 0.25% APY, DD/DW term, $25,000 required minimum balance.
Super Savings Money Manager (If balance falls below minimum): 0.050% dividend rate, 0.05% APY, DD/DW term, $25,000 required minimum balance.
Savings Plus (Amounts > $2,000): 0.100% dividend rate, 0.10% APY, DD/DW term, $500 required minimum balance.
Savings Plus (on the first $2,000): 0.050% dividend rate, 0.05% APY, DD/DW term, $1.00 required minimum balance.
Share Mgmt, Kids, Teen and Health Savings Accounts (Amounts > $2,000): 0.050% dividend rate, 0.05% APY, DD/DW term, $1.00 required minimum balance.
Share Mgmt, Kids, Teen and Health Savings Accounts (on the first $2,000): 0.020% dividend rate, 0.02% APY, DD/DW term, $1.00 required minimum balance.