To receive any advertised product, you must become a member of USALLIANCE Financial.
USAlliance Federal Credit Union is dba USALLIANCE Financial.
Copyright © 2026 USALLIANCE Federal Credit Union. All rights reserved.
Questions or comments? Email memberservices@usalliance.org
or call (800) 431-2754 (M-F 8:00am—6:00pm ET, Saturday 9:00am—3:00pm ET)
Federally Insured by NCUA | Equal Housing Lender NMLS #562301.
*APR = Annual Percentage Rate | APY = Annual Percentage Yield. 3.40% APY effective 9/23/2026 and subject to change without notice. Membership eligibility required.
Summer Home Loan Promotion: $695 Underwriting Fee
The Summer Home Loan Promotion is available to eligible applicants who submit a mortgage loan application during the promotional period. This promotion includes a waiver of the $695 underwriting fee and is subject to change or cancellation at any time without notice. Promotion may not be combined with other offers, rates, or discounts. Additional fees and closing costs may apply.
Membership Requirement
You must be a member of USALLIANCE Financial. Membership is not required to apply for a mortgage; however, membership will be established prior to loan funding if not already a member. Membership criteria and eligibility will be reviewed during the loan application process.
Property Eligibility
USALLIANCE Financial provides mortgage lending services for 1‑ to 4‑family homes, planned unit developments (PUDs), and individual condominium units. For attached condominium units, a completed Condo Questionnaire may need to be completed.
USALLIANCE Financial lends in all states except Alaska, Hawaii, and Texas.
Mortgages, home equity loans, and lines of credit are not available for vacant land, manufactured (mobile) homes, cooperatives, properties held in life estates, or leasehold interests. Properties held in trust must be removed from the trust prior to or at closing, depending on the loan product and vesting requirements. Additional conditions may apply. Please consult your loan officer for details.
Rates and Credit Terms
Rates are based on the terms of the loan and are set by the Asset/Liability Committee of USALLIANCE Financial.
The Annual Percentage Rate (APR) is based on loan‑to‑value (LTV) ratios of 80% or less. Loans with LTVs greater than 80% require private mortgage insurance (PMI), which will increase the APR. APR estimates are based on loan amounts of $250,000 for conforming loans and $806,501 for jumbo loans. APR may be higher for cash‑out refinance applications. Interest rates and loan programs are subject to change without notice and assume excellent credit.
A consumer credit report will be obtained in connection with a mortgage application. The name and address of the credit reporting agency or agencies will be provided upon request. A credit report may also be requested in connection with any update, renewal, or extension of credit.
Adjustable‑Rate Mortgages (ARM)
Adjustable‑Rate Mortgages feature a variable interest rate that may adjust periodically based on a financial index, such as the Secured Overnight Financing Rate (SOFR), plus a margin established at origination. Interest rate adjustments are subject to periodic and lifetime caps.
Example: A 5‑year ARM has a fixed interest rate for the first five years. After the initial fixed period, the rate may adjust every six months by up to 2% above or below the initial rate for the first adjustment and 1% per adjustment thereafter, up to a lifetime cap of 5% above or below the initial rate. The interest rate will never be lower than the margin.
Underwriting and Approval
All home lending products are subject to underwriting and approval by USALLIANCE Financial. Approval is not guaranteed. By submitting an application, you authorize USALLIANCE Financial to obtain consumer credit reports from all three credit bureaus.
This is not a commitment to lend. Equal Housing Lender.
High Dividend Savings is a variable rate savings account. Rate valid as of 9/23/2026, rate is subject to change after the account is opened. Dividends are calculated and compounded daily and credited monthly on the last calendar day of each month. Minimum balance of $500 is required to earn dividends. Fees may reduce earnings on account.
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