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USALLIANCE Financial
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    Routing Number: 221981063
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Savings Rates

Competitive rates on savings, certificate, and money market accounts.

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
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MyLife Savings
(on the first $500)
1.9810% 2.00% DD/DW $1.00 Daily
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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
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MyLife Savings for Kids
(Amounts over $500)
0.020% 0.02% DD/DW $1.00 Daily  
Learn More About High Dividend Savings

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
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Learn More About MyLife Money Market


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)

certificates-icon-green

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
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48 Month 3.3439% 3.40% 4 Years $500
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36 Month1 3.3439% 3.40% 3 Years $500
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24 Month1 2.079% 2.10% 24 Months $500
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18 Month1 5.0700% 5.20% 18 Months $500
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12 Month1 5.0700% 5.20% 1 Year $500
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11 Month2
No Early Withdrawal Penalty
4.8830% 5.00% 11 Months $500
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9 Month1 1.9807% 2.00% 9 Months $500
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6 Month 4.1630% 4.25% 6 Months $500
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3 Month 0.7480% 0.75% 3 Months $500
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  • 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 (or one year). 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.
  • 1Promotional rates. Regular share certificates with a term of 36 months provides a 2.10% APY. Regular share certificates with a term of 12 months provides a 2.00% APY. Regular share certificates with a term of 9 months provides a 1.7350% 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 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
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12 Month Step-Up 0.4989% 0.50% 1 Year $500
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  • 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
percent-icon-blue

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

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

ABA Routing Number:

  • 221981063

Contact Us

  • +1 (800) 431-2754
  • memberservices@usalliance.org
  • Notice: Do not include account numbers, social security numbers, personal identification numbers (PINs), passwords, or other confidential information in your e-mail messages.

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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

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

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