Usalliance Credit Union
Verified rate book
Current Usalliance Credit Union rates
33 published offers verified as of August 4, 2026.
Mortgage rates
8 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| 30-Year Fixed30 year fixed | 6.750% APR | 6.750% | — | Standard |
| 30 Year Fixed (HomeReady®)*30 year fixed | 6.875% APR | 6.875% | — | Standard |
| 15-Year Fixed15 year fixed | 6.000% APR | 6.000% | — | Standard |
| 10-Year Fixed10 year fixed | 6.000% APR | 6.000% | — | Standard |
| 5/1 ARM5 1 arm | 6.000% APR | 6.000% | — | Standard |
| 7/1 ARM7 1 arm | 6.250% APR | 6.250% | — | Standard |
| 10/1 ARM10 1 arm | 6.375% APR | 6.375% | — | Standard |
| 20-Year Fixed20 year fixed | 6.500% APR | 6.500% | — | Standard |
HELOC rates
8 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| HELOAN - Primary Residence - 80% CLTV - 5 Yearheloc | 6.500% APR | 6.500% | — | Standard |
| HELOAN - Primary Residence - 90% CLTV - 5 Yearheloc | 7.125% APR | 7.125% | — | Standard |
| HELOAN - Primary Residence - 80% CLTV - 10 Yearheloc | 7.250% APR | 7.250% | — | Standard |
| HELOAN - Primary Residence - 80% CLTV - 15 Yearheloc | 7.500% APR | 7.500% | — | Standard |
| HELOAN - Primary Residence - 80% CLTV - 20 Yearheloc | 7.625% APR | 7.625% | — | Standard |
| HELOAN - Primary Residence - 90% CLTV - 10 Yearheloc | 7.750% APR | 7.750% | — | Standard |
| HELOAN - Primary Residence - 90% CLTV - 15 Yearheloc | 8.000% APR | 8.000% | — | Standard |
| HELOAN - Primary Residence - 90% CLTV - 20 Yearheloc | 8.125% APR | 8.125% | — | Standard |
Personal loan rates
8 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Personal Line of Creditploc_variable | 8.490% APR | 8.490% | — | Standard |
| Personal Loan 0 to 24 Months^personal_unsecured_24mo | 12.240% APR | 12.240% | 24 mo | Standard |
| Personal Loan 25 to 36 Months^personal_unsecured_36mo | 12.490% APR | 12.490% | 36 mo | Standard |
| Personal Loan 37 to 48 Months^personal_unsecured_48mo | 12.990% APR | 12.990% | 48 mo | Standard |
| Personal Line of Creditploc_variable | 13.490% APR | 13.490% | — | Standard |
| Personal Loan 49 to 60 Months^personal_unsecured_60mo | 13.490% APR | 13.490% | 60 mo | Standard |
| Personal Loan 61 to 72 Months^personal_unsecured_72mo | 13.990% APR | 13.990% | 72 mo | Standard |
| Personal Loan 73 to 84 Months^personal_unsecured_84mo | 14.990% APR | 14.990% | 84 mo | Standard |
Credit card rates
4 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Visa® Classiccredit_card | 12.240% APR | 12.240% | — | Standard |
| Platinum Credit Cardcredit_card_platinum | 13.490% APR | 13.490% | — | Standard |
| Visa® Signaturecredit_card_platinum | 16.240% APR | 16.240% | — | Standard |
| Secured Credit Cardcredit_card_secured | 18.000% APR | 18.000% | — | Standard |
Other rates
5 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| New/Used 0 to 36 Months**^other | 5.240% % | 5.240% | — | Standard |
| New/Used 37 to 60 Months **^other | 5.740% % | 5.740% | — | Standard |
| New/Used 61 to 72 months**^other | 6.490% % | 6.490% | — | Standard |
| New/Used 73 to 84 months**^ (2022+ only)other | 6.990% % | 6.990% | — | Standard |
| MyLife Ready Cashother | 27.500% % | 27.500% | — | Standard |
As of August 4, 2026, Usalliance Credit Union offers a 30-year fixed mortgage at 6.75% APR. HELOC rates from 6.5% APR. Personal loan rates from 8.49% APR. Credit card rates from 12.24% APR.
Source: RateAPI.dev, verified from Usalliance Credit Union's official website
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About Usalliance Credit Union
Institution facts reported to the National Credit Union Administration for Invalid Date.
- Members
- 194.2K
- Assets
- $3.4B
- Founded
- 1966
- Locations reported
- 8
- NCUA charter
- 17587
- Charter type
- Federal credit union
Services and member support
- Online membership application
- Online loan application
- Open an account online
- Electronic statements
- Mobile check deposit
- Mobile payments
- Financial education
- First-time homebuyer program
- Bilingual services
- Student scholarships
- Payday Alternative Loans I
- Payday Alternative Loans II
Source: NCUA quarterly call report. Services are institution-reported; confirm availability with the credit union.
Other credit unions with branches nearby
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Who Can Join Usalliance Credit Union
Membership eligibility from Usalliance Credit Union's own published criteria. How we verify this.
Membership criteria are published on Usalliance Credit Union's website. Check the membership page below to confirm whether you qualify.
Verified from Usalliance Credit Union's membership page. Final membership determination is always made by the credit union.
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Frequently Asked Questions
What rates does Usalliance Credit Union offer?
Usalliance Credit Union currently offers mortgage, HELOC, personal loan, and credit card rates. The rates shown on this page were last verified August 4, 2026 directly from the credit union's official website.
How often are Usalliance Credit Union rates updated?
RateAPI verifies Usalliance Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified August 4, 2026.
Where does RateAPI get Usalliance Credit Union's rate data?
Rate data is collected directly from Usalliance Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.
What is Usalliance Credit Union's mortgage rate?
As of August 4, 2026, Usalliance Credit Union offers a 30-year fixed mortgage at 6.75% APR.
What is Usalliance Credit Union's HELOC rate?
As of August 4, 2026, Usalliance Credit Union offers home equity lines of credit from 6.5% APR.
What is Usalliance Credit Union's personal loan rate?
As of August 4, 2026, Usalliance Credit Union offers personal loans from 8.49% APR.
Related Rate Data
Compare Usalliance Credit Union's rates against national credit-union benchmarks.
Source Information
Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.
View Original SourceMethodology
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# Get rates for Usalliance Credit Union
curl "https://api.rateapi.dev/credit-unions/new-york/usalliance" \
-H "Authorization: Bearer YOUR_API_KEY"