Credit union · NCUA insured
USALLIANCE Financial CD Rates
Top CarrotUSALLIANCE Financial’s best CD rate is 4.50% APY on a 1-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How USALLIANCE Financial’s CD rates compare
Compared with banks and credit unions near New York, NY-NJ, where USALLIANCE Financial has the most branches. $10,000, best rate first.
This credit union’s best
USALLIANCE Financial
4.50%APY
- Term
- 12 months
- Minimum
- $500
- Earns on $10,000
- $450
Fixed Rate Certificate Accounts
Top rate
Liberty Bank of New Jersey
5.00%APY
- Term
- 4 months
- Minimum
- $1,000
- Earns on $10,000
- $164
2nd-highest rate
Palisades Credit Union
5.00%APY
- Term
- 11 months
- Minimum
- $500
- Earns on $10,000
- $457
USALLIANCE Financial CD score
94
CD score
Higher than 96% of U.S. banks and credit unions
- 3–8 months3–8 mo3.80%
- 9–15 months9–15 mo4.50%
- 16–30 months16–30 mo4.20%
- 31–60 months31–60 mo3.95%
- QualifiedQualified4.50%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where USALLIANCE Financial ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Fixed Rate Certificate Accounts
Up to 4.50%APY · 10 terms
Dividends calculated and compounded daily and credited monthly on the last calendar day of the month. APY assumes dividends remain until maturity; premature withdrawal incurs penalty.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 3.80% | $94 |
| 6 months | 3.80% | $188 |
| 9 months | 3.80% | $284 |
| 11 monthsNo early withdrawal penalty. Not available for Individual Retirement Accounts (IRA), Health Savings Accounts (HSA), or Coverdell education savings accounts (Coverdell ESA) | 4.00% | $366 |
| 12 monthsPromotional rate special. Rollover rate upon automatic renewal is 4.50% APY | 4.50% | $450 |
| 18 monthsPromotional rate special. Rollover rate upon automatic renewal is 4.10% APY | 4.10% | $621 |
| 24 monthsPromotional rate special. Rollover rate upon automatic renewal is 4.20% APY | 4.20% | $858 |
| 36 monthsPromotional rate special. Rollover rate upon automatic renewal is 3.95% APY | 3.95% | $1,232 |
| 48 months | 3.95% | $1,676 |
| 60 months | 3.95% | $2,137 |
Step-Up Certificates
Up to 3.80%APY · 2 terms
Member can request a one-time rate increase prior to maturity matching the USALLIANCE rate posted for current Step-Up certificate with same original maturity.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 3.80% | $380 |
| 24 months | 3.70% | $754 |
Sources (1)
- usalliance.org/about-us/rates/savings-rates · captured Oct 6, 2026
Special-purpose accounts
IRA Certificate Accounts
Up to 4.50%APY · 9 terms
Certificate Account products are available for Individual Retirement Accounts (IRAs), with the exception of the 11 Month Special Certificate (No Early Withdrawal Penalty).
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 3.80% | $94 |
| 6 months | 3.80% | $188 |
| 9 months | 3.80% | $284 |
| 12 monthsPromotional rate special. Rollover rate upon automatic renewal is 4.50% APY | 4.50% | $450 |
| 18 monthsPromotional rate special. Rollover rate upon automatic renewal is 4.10% APY | 4.10% | $621 |
| 24 monthsPromotional rate special. Rollover rate upon automatic renewal is 4.20% APY | 4.20% | $858 |
| 36 monthsPromotional rate special. Rollover rate upon automatic renewal is 3.95% APY | 3.95% | $1,232 |
| 48 months | 3.95% | $1,676 |
| 60 months | 3.95% | $2,137 |
Sources (2)
All captured Oct 6, 2026
Who can join USALLIANCE Financial
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.
Membership information collected October 5, 2026.