Credit union · NCUA insured
USALLIANCE Financial Savings Rates
Top CarrotUSALLIANCE Financial’s best savings rate is 3.40% APY on $10,000, with its High Dividend Savings. Rates checked October 16, 2026.
How USALLIANCE Financial’s savings 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
3.40%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $340
High Dividend Savings
Top rate
Woori America Bank
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $1,000
- Earns on $10,000 a year
- $500
2nd-highest rate
HSBC USA
4.40%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $440
USALLIANCE Financial savings score
95
Savings score
Higher than 98% of U.S. banks and credit unions
- $1,000 balance$1,0003.40%
- $10,000 balance$10,0003.40%
- $100,000 balance$100,0003.40%
- QualifiedQualified3.40%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
High Dividend Savings
3.40%APY
True variable rate; dividends calculated and compounded daily, credited monthly on the last calendar day of each month. Minimum balance of $500 is required to earn dividends. No monthly maintenance fees or withdrawal fees.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $500 and up$500.00 minimum balance required to earn dividends. Rate may change daily. Term DD/DW.$500 and up | 3.40% | $340 | $500.00 minimum balance required to earn dividends. Rate may change daily. Term DD/DW. |
Sources (2)
All captured Oct 6, 2026
MyLife Savings
0.02%APY
Tiered rate structure. No monthly maintenance fees and no minimum balance required. Rate may change daily. Term DD/DW.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $500Applies to the first $500. $1.00 minimum balance required. Rate may change daily. Term DD/DW. | 2.00% | — | Applies to the first $500. $1.00 minimum balance required. Rate may change daily. Term DD/DW. |
| Over $500Applies to amounts over $500. $1.00 minimum balance required. Rate may change daily. Term DD/DW. | 0.02% | $2 | Applies to amounts over $500. $1.00 minimum balance required. Rate may change daily. Term DD/DW. |
Sources (2)
All captured Oct 6, 2026
MyLife Money Market
0.10%APY
Dividends paid out monthly.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,000Rate may change daily. | 0.05% | — | Rate may change daily. |
| $2,000 – $10,000Rate may change daily. | 0.07% | — | Rate may change daily. |
| $10,000 – $50,000Rate may change daily. | 0.10% | $10 | Rate may change daily. |
| $50,000 – $100,000Rate may change daily. | 0.15% | — | Rate may change daily. |
| $100,000 – $250,000Rate may change daily. | 0.25% | — | Rate may change daily. |
| $250,000 – $500,000Rate may change daily. | 0.40% | — | Rate may change daily. |
| $500,000 – $1,000,000Rate may change daily. | 0.50% | — | Rate may change daily. |
| $1,000,000 – $100,000,000Rate may change daily. | 0.60% | — | Rate may change daily. |
Savings Plus
0.10%APY
Rates may change daily. DD/DW term.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,000On the first $2,000. $1.00 required minimum balance. DD/DW term. Rate may change daily. | 0.05% | — | On the first $2,000. $1.00 required minimum balance. DD/DW term. Rate may change daily. |
| Over $2,000Amounts > $2,000. $500 required minimum balance. DD/DW term. Rate may change daily. | 0.10% | $10 | Amounts > $2,000. $500 required minimum balance. DD/DW term. Rate may change daily. |
Sources (1)
- usalliance.org/about-us/rates/savings-rates · captured Oct 6, 2026
Special-purpose accounts
MyLife Savings for Kids
0.02%APY
For kids. Includes annual $10 birthday gift deposited by USALLIANCE and automatic transition to MyLife Teen Checking or MyLife Savings at age 13. No monthly maintenance fees and no minimum balance required. Must contact Member Services or visit a branch to open.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $500Applies to the first $500. $1.00 minimum balance required. Rate may change daily. Term DD/DW. | 2.00% | — | Applies to the first $500. $1.00 minimum balance required. Rate may change daily. Term DD/DW. |
| Over $500Applies to amounts over $500. $1.00 minimum balance required. Rate may change daily. Term DD/DW. | 0.02% | $2 | Applies to amounts over $500. $1.00 minimum balance required. Rate may change daily. Term DD/DW. |
Sources (2)
All captured Oct 6, 2026
Coverdell Education Savings Account (ESA)
0.65%APY
Education savings account. Rates may change daily.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balance$1.00 required minimum balance. DD/DW term. Rate may change daily.Any balance | 0.65% | $65 | $1.00 required minimum balance. DD/DW term. Rate may change daily. |
Sources (1)
- usalliance.org/about-us/rates/savings-rates · captured Oct 6, 2026
STAR Account, IRA retirement savings account only (Traditional, Roth, SEP, SIMPLE)
0.40%APY
IRA retirement savings account only (Traditional, Roth, SEP, SIMPLE). Rates may change daily.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balance$25.00 required minimum balance. DD/DW term. Rate may change daily.Any balance | 0.40% | $40 | $25.00 required minimum balance. DD/DW term. Rate may change daily. |
Sources (1)
- usalliance.org/about-us/rates/savings-rates · captured Oct 6, 2026
Club Account
0.25%APY · 1 term
Designed to save for a specific goal. No monthly maintenance fees and no minimum balance required. Contact Member Services or visit a branch to open.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 1–12 months$1.00 required minimum balance. 1 - 12 Month term | 0.25% | $2 |
Sources (2)
All captured Oct 6, 2026
Health Savings Account (HSA)
0.05%APY
Tax-advantaged medical savings account for members enrolled in High Deductible Health Plans. No monthly maintenance fees. Rates may change daily.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,000On the first $2,000. $1.00 required minimum balance. DD/DW term. Rate may change daily. | 0.02% | — | On the first $2,000. $1.00 required minimum balance. DD/DW term. Rate may change daily. |
| Over $2,000Amounts > $2,000. $1.00 required minimum balance. DD/DW term. Rate may change daily. | 0.05% | $5 | Amounts > $2,000. $1.00 required minimum balance. DD/DW term. Rate may change daily. |
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.