Savings Rates

Rates

All yields accurate as of January 12, 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

Rates Effective: 1/12/2023

Statement Savings	Dividend Rate	APY	Term	Minimum Balance Required	Rate May Change
High Dividend Savings	3.4405%	3.50%	DD/DW	$500.00	Daily	Members sign in to open
MyLife Savings/MyLife Kids Savings (on the first $500)	1.9810%	2.00%	DD/DW	$1.00	Daily	Members sign in to open
MyLife Savings/MyLife Kids Savings (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: 1/12/2023

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	Members sign in to open
MyLife Money Market (Amounts $500,000-$999,999.99)	0.4989%	0.50%	DD/DW	$500,000	Daily	Members sign in to open
MyLife Money Market (Amounts $250,000-$499,999.99)	0.3993%	0.40%	DD/DW	$250,000	Daily	Members sign in to open
MyLife Money Market (Amounts $100,000 - $249,999.99)	0.2498%	0.25%	DD/DW	$100,000	Daily	Members sign in to open
MyLife Money Market (Amounts $50,000 - $99,999.99)	0.14995%	0.15%	DD/DW	$50,000	Daily	Members sign in to open
MyLife Money Market (Amounts $10,000 - $49,999.99)	0.1000%	0.10%	DD/DW	$10,000	Daily	Members sign in to open
MyLife Money Market (Amounts $2,000 - $9,999.99)	0.0700%	0.07%	DD/DW	$2,000	Daily	Members sign in to open
MyLife Money Market (Amounts less than $2,000)	0 .050%	0.05%	DD/DW	$0	Daily	Members sign in to open

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)

Rates Effective: 1/12/2023

Fixed Rate Accounts	Dividend Rate	APY	Term	Minimum Balance Required
60 Month	3.3439%	3.40%	5 Years	$500	Members sign in to open
48 Month	3.3439%	3.40%	4 Years	$500	Members sign in to open
36 Month¹	3.3439%	3.40%	3 Years	$500	Members sign in to open
24 Month¹	4.4025%	4.50%	24 Months	$500	Members sign in to open
18 Month¹	3.4410%	3.50%	18 Months	$500	Members sign in to open
12 Month¹	3.6819%	3.75%	1 Year	$500	Members sign in to open
11 Month Special² No Early Withdrawal Penalty	3.9230%	4.00%	11 Months	$500	Members sign in to open
9 Month	1.7350%	1.7350%	9 Months	$500	Members sign in to open
6 Month	0.9960%	1.00%	6 Months	$500	Members sign in to open
3 Month	0.7480%	0.75%	3 Months	$500	Members sign 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 (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 24 months provides a 2.10% APY. Regular share certificates with a term of 18 months provides a 2.00% APY. Regular share certificates with a term of 12 months provides a 2.00% 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).

Step-Up Rate (similar to CDs)

Rates Effective: 1/12/2023

Step-Up Rate Accounts	Dividend Rate	APY	Term	Minimum Balance Required
24 Month	0.5983%	0.60%	2 Years	$500	Members sign in to open
12 Month	0.4989%	0.50%	1 Year	$500	Members sign 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).

Additional Savings Rates

Rates Effective: 1/12/2023

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

Savings Rates

Rates

Savings Rates

MyLife Money Market Rates

Certificate Accounts

Fixed Rate (similar to CDs)

Step-Up Rate (similar to CDs)

Additional Savings Rates

USALLIANCE Financial

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Savings Rates

Rates

Savings Rates

MyLife Money Market Rates

Certificate Accounts

Fixed Rate (similar to CDs)

Step-Up Rate (similar to CDs)

Additional Savings Rates

USALLIANCE Financial

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