# USALLIANCE Financial CD and share certificate rates

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.

Canonical page: https://apyledger.com/cd-rates/usalliance-financial
Institution: Usalliance Federal Credit Union (NCUA 17587)
Aliases: USALLIANCE Federal Credit Union
Status: live
Last verified: 2026-10-23T02:28:11.000Z (October 22, 2026)
Official source: https://www.usalliance.org/about-us/rates/savings-rates
Coverage: 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.
Treasury comparison date: 2026-10-21. Premiums are percentage points versus the same-term APY-equivalent Treasury yield.

| Product | Kind | Term | Minimum deposit | APY | Quoted location | vs. Treasury | Verified (UTC) | Source snapshot |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 3 Month Certificate | standard | 3 months | $500 | 3.80% | Not ZIP-priced | −0.50% | 2026-10-23T02:28:11.000Z | [Snapshot 900](https://apyledger.com/snapshots/900) |
| 6 Month Certificate | standard | 6 months | $500 | 3.80% | Not ZIP-priced | −0.60% | 2026-10-23T02:28:11.000Z | [Snapshot 900](https://apyledger.com/snapshots/900) |
| 9 Month Certificate | standard | 9 months | $500 | 3.80% | Not ZIP-priced | −0.68% | 2026-10-23T02:28:11.000Z | [Snapshot 900](https://apyledger.com/snapshots/900) |
| 11 Month No Early Withdrawal Penalty Certificate | special | 11 months | $500 | 4.00% | Not ZIP-priced | −0.54% | 2026-10-23T02:28:11.000Z | [Snapshot 900](https://apyledger.com/snapshots/900) |
| 12 Month Rate Special Certificate | promotional | 12 months | $500 | 4.50% | Not ZIP-priced | −0.07% | 2026-10-23T02:28:11.000Z | [Snapshot 900](https://apyledger.com/snapshots/900) |
| 12 Month Step-Up Certificate | standard | 12 months | $500 | 3.80% | Not ZIP-priced | −0.77% | 2026-10-23T02:28:11.000Z | [Snapshot 900](https://apyledger.com/snapshots/900) |
| 18 Month Rate Special Certificate | promotional | 18 months | $500 | 4.10% | Not ZIP-priced | −0.62% | 2026-10-23T02:28:11.000Z | [Snapshot 900](https://apyledger.com/snapshots/900) |
| 24 Month Rate Special Certificate | promotional | 24 months | $500 | 4.20% | Not ZIP-priced | −0.67% | 2026-10-23T02:28:11.000Z | [Snapshot 900](https://apyledger.com/snapshots/900) |
| 24 Month Step-Up Certificate | standard | 24 months | $500 | 3.70% | Not ZIP-priced | −1.17% | 2026-10-23T02:28:11.000Z | [Snapshot 900](https://apyledger.com/snapshots/900) |
| 36 Month Rate Special Certificate | promotional | 36 months | $500 | 3.95% | Not ZIP-priced | −1.00% | 2026-10-23T02:28:11.000Z | [Snapshot 900](https://apyledger.com/snapshots/900) |
| 48 Month Certificate | standard | 48 months | $500 | 3.95% | Not ZIP-priced | −1.03% | 2026-10-23T02:28:11.000Z | [Snapshot 900](https://apyledger.com/snapshots/900) |
| 60 Month Certificate | standard | 60 months | $500 | 3.95% | Not ZIP-priced | −1.06% | 2026-10-23T02:28:11.000Z | [Snapshot 900](https://apyledger.com/snapshots/900) |

Rates and eligibility can change. ZIP-specific quotes must not be treated as statewide or nationwide offers. Confirm terms with the institution before opening an account. This is not financial advice.