USALLIANCE Financial CD & Share Certificate Rates — October 2026
As of October 22, 2026, USALLIANCE Financial's highest tracked CD (share certificate) rate is 4.50% APY on a 12-month promotional CD ($500 minimum). That is 2.6 times the FDIC national average for 12-month CDs (1.76%). Standard CD rates range from 3.70% to 3.95% APY.
Tracking began .
USALLIANCE Financial CD & share certificate rates
Membership required. Fixed-rate certificates from 3 to 60 months ($500 minimum), including specials, an 11-month no-early-withdrawal-penalty certificate and 12- and 24-month Step-Up certificates (one rate increase on request). Rollover rates for renewing certificates are excluded.
| Term | Product | APY | vs. Treasury | Source | |
|---|---|---|---|---|---|
| 3 months | 3 Month Certificate | $500 | 3.80% | −0.50% | Top 11% of tracked 3-month CDs · Verified October 22, 2026 |
| 6 months | 6 Month Certificate | $500 | 3.80% | −0.60% | Top 26% of tracked 6-month CDs · Verified October 22, 2026 |
| 9 months | 9 Month Certificate | $500 | 3.80% | −0.68% | Top 37% of tracked 9-month CDs · Verified October 22, 2026 |
| 11 months | 11 Month No Early Withdrawal Penalty Certificate Special | $500 | 4.00% | −0.54% | Verified October 22, 2026 |
| 12 months | 12 Month Rate Special Certificate Promotional | $500 | 4.50% | −0.07% | Top 5% of tracked 12-month CDs · Verified October 22, 2026 |
| 12 months | 12 Month Step-Up Certificate | $500 | 3.80% | −0.77% | Top 38% of tracked 12-month CDs · Verified October 22, 2026 |
| 18 months | 18 Month Rate Special Certificate Promotional | $500 | 4.10% | −0.62% | Top 21% of tracked 18-month CDs · Verified October 22, 2026 |
| 24 months | 24 Month Rate Special Certificate Promotional | $500 | 4.20% | −0.67% | Top 15% of tracked 24-month CDs · Verified October 22, 2026 |
| 24 months | 24 Month Step-Up Certificate | $500 | 3.70% | −1.17% | Top 39% of tracked 24-month CDs · Verified October 22, 2026 |
| 36 months | 36 Month Rate Special Certificate Promotional | $500 | 3.95% | −1.00% | Top 22% of tracked 36-month CDs · Verified October 22, 2026 |
| 48 months | 48 Month Certificate | $500 | 3.95% | −1.03% | Top 19% of tracked 48-month CDs · Verified October 22, 2026 |
| 60 months | 60 Month Certificate | $500 | 3.95% | −1.06% | Top 23% of tracked 60-month CDs · Verified October 22, 2026 |
APY = annual percentage yield. "vs. Treasury" compares each APY with the Treasury yield for the same term on 2026-10-21 (converted to APY). Treasury interest is exempt from state income tax; see the T-bill vs. CD calculator.
Watch the renewal rate
The best promotional rate here is 4.50% APY (12 months). The standard rate for a similar term is 3.80% APY (12 months). If the CD renews at the standard rate when it matures, $10,000 would earn about $70 less per year. Check the account terms and set a reminder before maturity.
Calculate the cost of auto-renewal · Set a maturity reminder
What are USALLIANCE Financial's best CD rates by term?
USALLIANCE Financial's best rate is 4.50% APY on 12 months, verified October 22, 2026.
- 3 mo3.80%
- 6 mo3.80%
- 9 mo3.80%
- 11 mo4.00%
- 12 mo4.50%
- 18 mo4.10%
- 24 mo4.20%
- 36 mo3.95%
- 48 mo3.95%
- 60 mo3.95%
How much interest could a USALLIANCE Financial CD earn?
Estimated interest at maturity for the displayed institution quotes, before tax or early withdrawal penalties. Each estimate assumes the quoted APY applies to that balance and interest stays deposited. Estimates use known deposit tiers. Upper balance limits and membership, relationship or new-money requirements must be confirmed with the institution; these are conditional estimates, not personalized offers.
$450.00 interest · $10,450.00 at maturity on $10,000.00.
4.50% APY · 12 months · 12 Month Rate Special Certificate · Promotional · verified October 22, 2026.
Before tax; interest remains deposited. Confirm all product conditions. Estimate one-year purchasing power.
| Term | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|
| 3 months | $46.713.80% APY · 3 Month Certificate · Standard | $93.423.80% APY · 3 Month Certificate · Standard | $233.543.80% APY · 3 Month Certificate · Standard | $467.093.80% APY · 3 Month Certificate · Standard |
| 6 months | $94.373.80% APY · 6 Month Certificate · Standard | $188.753.80% APY · 6 Month Certificate · Standard | $471.873.80% APY · 6 Month Certificate · Standard | $943.753.80% APY · 6 Month Certificate · Standard |
| 9 months | $141.963.80% APY · 9 Month Certificate · Standard | $283.933.80% APY · 9 Month Certificate · Standard | $709.823.80% APY · 9 Month Certificate · Standard | $1,419.653.80% APY · 9 Month Certificate · Standard |
| 11 months | $183.264.00% APY · 11 Month No Early Withdrawal Penalty Certificate · Special | $366.534.00% APY · 11 Month No Early Withdrawal Penalty Certificate · Special | $916.324.00% APY · 11 Month No Early Withdrawal Penalty Certificate · Special | $1,832.644.00% APY · 11 Month No Early Withdrawal Penalty Certificate · Special |
| 12 months | $225.004.50% APY · 12 Month Rate Special Certificate · Promotional | $450.004.50% APY · 12 Month Rate Special Certificate · Promotional | $1,125.004.50% APY · 12 Month Rate Special Certificate · Promotional | $2,250.004.50% APY · 12 Month Rate Special Certificate · Promotional |
| 18 months | $310.924.10% APY · 18 Month Rate Special Certificate · Promotional | $621.854.10% APY · 18 Month Rate Special Certificate · Promotional | $1,554.614.10% APY · 18 Month Rate Special Certificate · Promotional | $3,109.234.10% APY · 18 Month Rate Special Certificate · Promotional |
| 24 months | $428.824.20% APY · 24 Month Rate Special Certificate · Promotional | $857.644.20% APY · 24 Month Rate Special Certificate · Promotional | $2,144.104.20% APY · 24 Month Rate Special Certificate · Promotional | $4,288.204.20% APY · 24 Month Rate Special Certificate · Promotional |
| 36 months | $616.213.95% APY · 36 Month Rate Special Certificate · Promotional | $1,232.423.95% APY · 36 Month Rate Special Certificate · Promotional | $3,081.063.95% APY · 36 Month Rate Special Certificate · Promotional | $6,162.123.95% APY · 36 Month Rate Special Certificate · Promotional |
| 48 months | $838.053.95% APY · 48 Month Certificate · Standard | $1,676.103.95% APY · 48 Month Certificate · Standard | $4,190.263.95% APY · 48 Month Certificate · Standard | $8,380.523.95% APY · 48 Month Certificate · Standard |
| 60 months | $1,068.663.95% APY · 60 Month Certificate · Standard | $2,137.313.95% APY · 60 Month Certificate · Standard | $5,343.283.95% APY · 60 Month Certificate · Standard | $10,686.553.95% APY · 60 Month Certificate · Standard |
How USALLIANCE Financial compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 365-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 10 of 369 tracked institutions with fresh 365-day quotes (ties share a rank). Each other institution contributes its highest APY for that exact term; minimums and eligibility can differ.
| Institution / benchmark | Term | Minimum | Who can open | APY | Verified / source date |
|---|---|---|---|---|---|
| USALLIANCE Financial (this institution)12 Month Rate Special Certificate · Promotional | 12 months | $500 | Membership required · branches in CT, MA, NY | 4.50% | October 22, 2026 |
| Popular DirectCD · Standard | 12 months | $10,000 | Available nationwide | 4.60% | October 22, 2026 |
| The Summit Federal Credit UnionJumbo Certificate · Standard | 12 months | $75,000 | Membership required · branches in NY | 4.60% | October 22, 2026 |
| E*TRADE (Morgan Stanley Private Bank)Bank CD · Promotional | 12 months | Not stated | Available nationwide | 4.55% | October 22, 2026 |
| Truliant Federal Credit Union (highest tracked APY for this term)Limited-Time 12 Month Term (new external funds required) · Promotional | 12 months | $5,000 | Membership required · branches in NC, SC, VA | 5.00% | October 22, 2026 |
| Treasury (APY-equivalent) | 12 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.57% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
No changes since we started tracking USALLIANCE Financial on October 22, 2026.
About USALLIANCE Financial
- Legal name
- Usalliance Federal Credit Union
- Regulator ID
- NCUA 17587
- Headquarters
- Rye, NY
- Available in
- CT, MA, NY
- Total assets
- $3.4 billion
- Also known as
- USALLIANCE Federal Credit Union
- Website
- www.usalliance.org
Source: rates read from https://www.usalliance.org/about-us/rates/savings-rates. See the page text we read.
Frequently asked questions
What is the highest CD rate at USALLIANCE Financial?
Among the rates we track, 4.50% APY on a 12-month promotional CD, as of October 22, 2026.
What is the minimum deposit for a USALLIANCE Financial CD?
The lowest minimum we found is $500.
How does USALLIANCE Financial's best CD rate compare with Treasury yields?
4.50% APY is −0.07% versus the 12-month Treasury yield of 4.57% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 4.50% a good CD rate?
It is 2.6 times the FDIC national average for a similar term (1.76% as of 2026-10-19), which is a deposit-weighted average across all U.S. banks and credit unions. Online banks and promotional CDs often pay several times the national average.
Are USALLIANCE Financial CDs insured?
USALLIANCE Financial is a federally insured credit union (NCUA 17587). Share certificates are insured by the NCUA up to $250,000 per member, per ownership category.
What is a share certificate at USALLIANCE Financial?
A share certificate is the credit union equivalent of a bank CD: a term deposit that pays a stated yield when its conditions are met. Membership requirements, minimum deposits and early withdrawal terms depend on the credit union and product.
How often is this page updated?
We check USALLIANCE Financial's rate page every day. The rates above were last verified on October 22, 2026.
More credit union certificate rates
Rates are copied from USALLIANCE Financial's website and may change at any time. Confirm terms, minimums and eligibility with USALLIANCE Financial before opening an account. This page is not financial advice.