USALLIANCE Financial

There are several key differences between banks and credit unions that may impact your choice of financial institution. It's especially important to consider how these differences will affect you in difficult times. Learn more in our article, "Why a Credit Union is Safer Than a Bank in a Financial Crisis": https://blog.usalliance.org/why-a-credit-union-is-safer-than-a-bank-in-a-financial-crisis/

Join USALLIANCE Financial as we celebrate Hispanic Heritage Month!
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Our Visa® Secured Credit Card is a great tool if you need to establish or rebuild your credit. It works like a traditional credit card, except backed with a security deposit, with rates as low as 18.00% APR. Learn more and apply today: https://www.usalliance.org/banking-products/secured-card

Struggling with your credit score? Consider a Credit Builder Loan from USALLIANCE.

The loan holds the amount borrowed in your account while you make small payments over time. You receive the funds once the loan is paid, and you can raise your credit score in the process. Terms range from 12-24 months with amounts starting as low as $500.

Learn more and start building your credit today: https://www.usalliance.org/loan-products/credit-builder-loan

At USALLIANCE, we know that our employees are our most valuable asset, so we make it our mission to empower them to be the best they can be.

If you want to join a diverse, talented team where you can foster career growth, then click here to learn more and apply today: https://www.usalliance.org/about-us/careers

USALLIANCE Financial remembers those who lost their lives, those who stepped up to serve, and the countless sacrifices made in the days, months, and years after the attacks.
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Our latest infographic focuses on the golden rule of personal finance: "Pay Yourself First". Learn 5 reasons why this simple advice can have an enormous impact on your finances: https://blog.usalliance.org/infographic-pay-yourself-first/

There are plenty of things that cause financial stress - your checking account shouldn't be one of them!

That's why a MyLife Checking account from USALLIANCE comes with no monthly maintenance fees or minimum balance requirements, and you can even get your paycheck up to two days early with direct deposit: because your checking should work for you, not the other way around.

Open an account today: https://www.usalliance.org/banking-products/mylife-checking

Monthly Fraud Tip: Beware of One-Time Password (OTP) Scams
The same way scammers will try to trick people into giving them their traditional username and password, they will try to get their hands on your OTP to achieve the same goal - getting into your accounts to steal information or money. Check out this article to learn how to protect yourself: https://blog.usalliance.org/all-you-need-to-know-about-one-time-password-scams

It's September, which means it's time for school to start up again! Back-to-school season is the 2nd biggest shopping season of the year and prices are high, but with our article "10 Back-to-School Hacks to Beat Inflation", you can keep your spending in check this school year: https://blog.usalliance.org/10-back-to-school-hacks-to-beat-inflation/

Prepare your teen for financial independence with a MyLife Checking for Teens account. They get access to an ATM or debit card at age 13 so they can use one of our 30,000+ fee-free ATMs, and they can view their account details in digital banking. That way, they get a taste of financial freedom with just the right amount of oversight from you. Open a MyLife Checking for Teens account today: https://www.usalliance.org/banking-products/mylife-checking-for-teens

A savings account is great, but the rates won't build your savings much over time. Certificates offer much better rates, but your money is locked away for a period of time. With a High Dividend Savings Account from USALLIANCE, you can get the best of both worlds!

With rates currently at 4.55% APY, you'll earn more than a savings account, but you can always access your funds. Learn more: https://www.usalliance.org/banking-products/high-dividend-savings

Happy Labor Day!
Our branches & call centers will be closed Monday, September 2nd, 2024, in honor of Labor Day. Members may still address their banking needs via digital banking.

Have a great day, everyone!
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Get a head start on saving! When you open a MyLife Savings Account, USALLIANCE will help you build up your savings by giving you a boosted 2.00% APY on the accounts first $500!

Learn more and start saving today: https://www.usalliance.org/banking-products/mylife-savings

"Cybersecurity" is a common term these days, but there are many different types of cybersecurity that protect different systems and aspects of our online world. Learn about these different elements of your digital protection and the importance of each working together in our latest infographic, "7 Kinds of Cybersecurity": https://blog.usalliance.org/infographic-7-kinds-of-cybersecurity/

It doesn't matter if you're a first time homebuyer or a seasoned homeowner, everyone can still use some help when it comes to home lending. Visit USALLIANCE's Home Lending Center to get helpful information, learn about our suite of products, and seek help from our licensed lending professionals: https://www.usalliance.org/home-lending-center

A home equity line of credit, or HELOC, from USALLIANCE can allow you to leverage the value of your home to finance major expenses, like renovations on your home or the vacation you've been dreaming of taking. You can borrow up to 90% of the value of your primary residence at flexible terms with competitive rates.

Learn more about how you can use a HELOC to your benefit: https://www.usalliance.org/home-lending-center/heloc

If you want a credit card with a bunch of confusing rules and disclaimers, look somewhere else. The Visa® Classic Card from USALLIANCE has no teaser rates, no penalty APRs, and no annual fees. It's just a simple credit card with a great rate that's far below the national average.

Bypass the headaches and get a great rate with no tricks: https://www.usalliance.org/banking-products/classic-card

The Visa® Signature Credit Card is the card for our members who want to be rewarded every time they spend. Not only can you earn 2 points for every dollar spent on eligible purchases, but you'll also gain additional perks on travel and purchase discounts.

Learn more and apply today: https://www.usalliance.org/banking-products/signature-card

One-time passwords are more secure than traditional login information, but that doesn't mean that they are invulnerable to scammers! Our article, "All You Need to Know About One-Time Password Scams" breaks down these scams, warning signs, ways to protect yourself, and more: https://blog.usalliance.org/all-you-need-to-know-about-one-time-password-scams/

A share certificate and a certificate of deposit (CD) really only differ in one major way: CDs come from a bank, while share certificates come from a credit union, like USALLIANCE's Certificate Accounts.

They're still a low-risk investment that can earn you a lot more in dividends than a traditional savings account. Check out our terms, rates, and specials, and apply today: https://www.usalliance.org/investment-products/cd

We talk often about being careful and responsible with your finances, but we all spend extra on a little something now and again - especially during the summer! Our article, "When Should I Give in to the Urge to Splurge?" will teach you an important part of financial education - how to keep even your extra spending in check: https://blog.usalliance.org/when-should-i-give-in-to-the-urge-to-splurge

Would you like to get access to your paycheck up to two days early? Of course! Who wouldn't?

When you set up direct deposit with a MyLife Checking account, that's exactly what you'll get. Learn about the other great benefits and open a MyLife Checking account today: https://www.usalliance.org/banking-products/mylife-checking

USA Specialty Lending is a division of USALLIANCE Financial that specializes in marine, aircraft, and motorized RV lending. No matter how you decide to kick back and have fun—fly, sail or cruise on down the road—USA Specialty Lending is ready to get you on your way.

Learn more: https://www.usaspecialtylending.com/

It can be difficult to make progress on your financial journey if your credit is either poor or nonexistent. USALLIANCE created our Credit Builder Loan specifically for members in this situation - you simply take out a small loan and make monthly payments to start moving your credit score in the right direction.

Learn more and start building your credit: https://www.usalliance.org/loan-products/credit-builder-loan

Your home is one of your most valuable assets, and you can leverage some of that value into cash when you need it using a home equity loan. Check out our infographic, "5 Uses for a Home Equity Loan" to see some of the ways you can use your home's value, from renovations to vacations: https://blog.usalliance.org/infographic-5-uses-for-a-home-equity-loan/

Struggling to establish or rebuild your credit score? The Visa® Secured Credit Card is a great tool to help you get back on the right track!

With rates as low as 18.00%, it works just like a traditional credit card, except it's backed by a security deposit. Apply today and watch your credit score rise: https://www.usalliance.org/banking-products/secured-card

Want to boost the growth of your savings? Consider a High Dividend Savings Account, or HDSA, from USALLIANCE!

The national average of a traditional savings account is 0.57% APY while our HDSAs currently have a rate of 4.55% - think about how much more you can earn on your savings! With no monthly maintenance fees to cut into those extra savings, what are you waiting for? Open an HDSA today: https://www.usalliance.org/banking-products/high-dividend-savings

USALLIANCE is hiring!

If you're interested in working somewhere that you're empowered to be your best, everyone works towards a meaningful mission, and you get great benefits on top of it, then USALLIANCE is the place for you.

Learn more and apply today: https://www.usalliance.org/about-us/careers