Last Updated: 04/18/2025
USAlliance Financial Certificate Accounts
Unaffiliated
Last Updated: 04/18/2025
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Highlights
APY (Annual Percentage Yield)
0.75% - 5.00%(Verified 06/21/2024)
Minimum Opening Deposit
$0
Certificate Term
- 3 months
- 6 months
- 9 months
- 11 months
- 12 months
- 18 months
- 2 years
- 3 years
- 4 years
- 5 years
USAlliance Financial Certificate Accounts Review
USAlliance Financial Certificate Accounts are offered by USAlliance Federal Credit Union, a credit union founded in 1966 and based in Rye, NY. USAlliance Financial Certificate Accounts are available in 50 states and Washington, DC.
Key Takeaways
- Only one CD type available. USAlliance Financial Certificate Accounts only offers traditional CD accounts.
- Very high annual percentage yield (APY). This account offers an annual percentage yield of up to 5.00%, which is much higher than the national average for a CD account.
- No minimum initial deposit. There is no minimum balance required to open an account.
- Wide selection of CD terms. USAlliance Financial Certificate Accounts allows you to create a CD ladder by spreading your cash across certificates with different terms. This combines the benefits of frequent access to funds and higher rates of return on your savings.
Pros & Cons of USAlliance Financial Certificate Accounts
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USAlliance Financial Certificate Accounts FAQ
Are CD from USAlliance Federal Credit Union federally insured?
No, your USAlliance Federal Credit Union CD accounts are not insured by a federal insurance agency. This means that if USAlliance Federal Credit Union were to fall into financial difficulties, your deposits are not covered by a government-backed insurance fund like the FDIC or NCUSIF.
What types of CDs does USAlliance Federal Credit Union offer?
USAlliance Financial Certificate Accounts provides the following types of CDs.- Traditional CDs. These CDs pay a fixed interest rate if you deposit a fixed amount of money for a specific term. Once the maturity date arrives, you have the option of cashing out or automatically renewing the CDs for another term.
What rates does USAlliance Federal Credit Union offer on its CDs?
USAlliance Financial Certificate Accounts offers an APY starting at 0.75% and ranging up to 5.00%. APY stands for annual percentage yield and shows the interest rate paid by the CD after taking into account compounding.
What terms does USAlliance Financial Certificate Accounts offer?
USAlliance Federal Credit Union offers CD terms of the following lengths:| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Certificate Term |
| ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 3-Month APY | 0.75% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12-Month APY | 5.20% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 11-Month APY | 5.00% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| APY (Annual Percentage Yield) | 0.75% - 5.00% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 6-Month APY | 4.25% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 2-Year APY | 2.10% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 3-Year APY | 3.40% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4-Year APY | 3.40% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 5-Year APY | 3.40% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 18-Month APY | 4.50% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 9-Month APY | 2.00% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
What is the minimum deposit to open a CD account with USAlliance Federal Credit Union?
USAlliance Financial Certificate Accounts does not require a minimum deposit.
What is the grace period for USAlliance Financial Certificate Accounts?
USAlliance Financial Certificate Accounts does not specify what their grace period is. A grace period is a period of time during which you can withdraw the money in your CD without paying an early withdrawal penalty. A grace period starts the day after a CD’s maturity date, or the final day a CD is opened. Standard CDs renew automatically at the same term if you don't withdraw your money after the grace period. Note that the new CD rates probably won’t be the same as the original.
What types of fees, such as early withdrawal penalties, does USAlliance Federal Credit Union charge?
Financial institutions don't typically charge many fees on CDs. However, most charge a fee if you choose to withdraw your money before the term ends.
USAlliance Federal Credit Union charges an early withdrawal fee.
USAlliance Federal Credit Union does charge any of the fees we track.
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Contact
Headquarters
Hours of Operation
Sunday
Closed
Monday
8:45AM - 4:30PM
Tuesday
8:45AM - 4:30PM
Wednesday
8:45AM - 4:30PM
Thursday
8:45AM - 4:30PM
Friday
8:45AM - 4:30PM
Saturday
9:00AM - 2:00PM