Credit union · NCUA insured
USALLIANCE Financial
Top CarrotA $3.4B credit union, the 147th largest of 4,329, headquartered in Rye, NY, with 194,175 members and 5 branches in 3 states. Best rates: CDs 4.50% and savings 3.40% APY.
USALLIANCE Financial Carrot Score
Carrot ScoreTop Carrot
Higher than 99% of U.S. banks and credit unions
#3 of 161 in New York, NY-NJ metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About USALLIANCE Financial
Founded in 1966 by IBM employees to serve Tri-State area workers, USALLIANCE Financial is a cooperative financial institution headquartered in Rye, New York.
The credit union is governed by a member-elected Board of Directors and provides financial services to members worldwide.
- Headquarters
- 411 Theodore Fremd Ave, Suite 350, Rye, NY 10580
- NCUA charter
- 17587
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals in community charter areas including West Haven (CT), qualifying districts of Manhattan, Mount Vernon, and the Bronx (NY), seven Massachusetts counties, and Bergen and Passaic counties (NJ) are eligible for membership.
Employers and groups
- Members of community-oriented organizations such as ASCAP, AOPA, Tread Lightly, and the New York Historical Society are eligible for membership.
- Employees of IBM, Marriott International, American Express, and PepsiCo are eligible for membership.
Military, government and schools
- Affiliates of many colleges and universities, houses of worship, and local and state employees of qualifying counties in New York are eligible for membership.
Branches
5 branches in 3 states
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New York
3 branches
- Bethex20 E 179th St, Bronx, NY 10453Directions
- Port Chester555 Boston Post Rd, Port Chester, NY 10573Directions
- Pepsi Purchase700 Anderson Hill Rd, Purchase, NY 10577Directions
Connecticut
1 branch
- West Haven Atwood Place1 Atwood Pl, West Haven, CT 06516Directions
Massachusetts
1 branch
- Medford71 Station Lndg, Medford, MA 02155Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 8.32% | 10.86% | 12.59% or more |
| Troubled loans60+ days late | 0.84% | 0.70% | 0.46% or less |
| ProfitabilityReturn on assets | 0.67% | 0.82% | 1.16% or more |
| LendingLoans per $100 deposited | $116 | $88 | — |
- CapitalNet worth ratio8.32%Peers’ middle 10.86% · Top 25% 12.59%+
- Troubled loans60+ days late0.84%Peers’ middle 0.70% · Top 25% ≤0.46%
- ProfitabilityReturn on assets0.67%Peers’ middle 0.82% · Top 25% 1.16%+
- LendingLoans per $100 deposited$116Peers’ middle $88
Compared with the 479 credit unions with $1 billion or more in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of USALLIANCE Financial are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.