Credit union · NCUA insured
USALLIANCE Financial Credit Card Rates
Top CarrotUSALLIANCE Financial credit cards start at 12.49% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How USALLIANCE Financial’s credit card rates compare
Compared with banks and credit unions near New York, NY-NJ, where USALLIANCE Financial has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
USALLIANCE Financial
12.49%APR
- Up to
- 18.00% APR
Visa Classic Credit Card
Lowest rate
Fox Federal Credit Union
6.95%APR
- Up to
- —
2nd-lowest rate
NYU Federal Credit Union
7.90%APR
- Up to
- —
USALLIANCE Financial credit card score
70
Credit card score
Higher than 27% of U.S. banks and credit unions
- Purchase APRPurchase APR12.49%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where USALLIANCE Financial ranks
By credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Visa Classic Credit Card
Variable APR based on Prime Rate and creditworthiness. Balance transfer fee: greater of $10.00 or 3.00%. Cash advance fee: greater of $10.00 or 3.00%. Foreign transaction fee: 1.00%.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 12.49%–18.00% | None | Rate options: 12.49%, 12.74%, 14.74%, or 18.00% based on creditworthiness. Applies to purchases, balance transfers, and cash advances. Variable APR based on Prime Rate. |
Visa Platinum
Variable APR based on Prime Rate and creditworthiness. Balance transfer fee: greater of $10.00 or 3.00%. Cash advance fee: greater of $10.00 or 3.00%. Foreign transaction fee: 1.00%.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 13.74%–18.00% | None | Rate options: 13.74%, 13.99%, 15.99%, or 18.00% based on creditworthiness. Applies to purchases, balance transfers, and cash advances. Variable APR based on Prime Rate. |
Sources (1)
- usalliance.org/about-us/rates/loan-rates · captured Oct 6, 2026
Visa Secured Credit Card
Secured by a savings account with a minimum $250 security deposit. Variable APR based on Prime Rate. Balance transfer fee: greater of $10.00 or 3.00%. Cash advance fee: greater of $10.00 or 3.00%. Foreign transaction fee: 1.00%.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 18.00% | None | 18.00% variable APR across purchases, balance transfers, and cash advances based on the Prime Rate. Minimum $250 security deposit required. |
Visa Signature Credit Card
Variable APR based on Prime Rate and creditworthiness. Balance transfer fee: greater of $10.00 or 5.00%. Cash advance fee: greater of $10.00 or 5.00%. Foreign transaction fee: 1.00%.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 16.49%–18.00% | None | Rate options: 16.49%, 16.74%, or 18.00% based on creditworthiness. Applies to purchases, balance transfers, and cash advances. Variable APR based on Prime Rate. |
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.