All yields accurate as of November 22, 2022 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: 11/22/2022
| Statement Savings | Dividend Rate | APY | Term | Minimum Balance Required | Rate May Change | |
|---|---|---|---|---|---|---|
| High Dividend Savings | 2.9562% | 3.00% | 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 |  |
(Rates also apply to our Business Money Market rates.)
Rates Effective: 11/22/2022
| 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 Account products are available for Individial Retirement Accounts (IRAs), with the exception of the 11 Month Special Certificate (No Early Withdrawal Penalty).
Rates Effective: 11/22/2022
| 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 | 4.1626% | 4.25% | 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 |
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Rates Effective: 11/22/2022
| 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). | |||||
Rates Effective: 11/22/2022
| 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 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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Live Life Fully Foundation |
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Coral Labs |
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USASpecialty Lending |
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