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Find the Right Account for Your Financial Needs

couple-choosing-right-accountIf you’ve got some money and are considering opening an account at a financial institution, you’ve made a smart choice! Now you must choose from several different account options available at credit unions or banks. Maybe you’re looking to grow your money as quickly as you can and a sophisticated option like a money market account is a good option. On the other hand, you may just need straightforward access to your hard-earned cash in a simple checking account. There are a lot of things you can do with your money with just as many account types to choose from and, let’s face it, that can be overwhelming. Let us help you out.

Here at USALLIANCE, we offer a full range of financial products and services to help you personalize your financial journey. Take a look at the wide range of options we offer to see which accounts are right for you.

MyLife Checking: For No-Nonsense Daily Access

USALLIANCE’s MyLife Checking offers great perks for those that need regular access to their money without the hassle and extra fees found at other banks and credit unions.

With MyLife Checking, you will enjoy a long list of benefits, including:

  • No minimum balance requirements
  • No monthly maintenance fees
  • Free monthly credit score
  • Get paid up to two days early when you set up direct deposit*
  • Layoff insurance and other income protection through USALLIANCE’s exclusive partnership with Quil

Should I Open a MyLife Checking Account?

You may not write very many checks anymore, but if you simply need regular access to your money (with some valuable perks added in), a MyLife Checking Account may fit your needs.

Our members have access to 6,000 branch facilities and 30,000 surcharge-free ATMs across the country – we’ll even reimburse you up to $10 in fees each month from non-USALLIANCE ATMs!

You can manage your checking account via branch visit or Digital Banking.


MyLife Savings: For Growing Your Nest Egg

USALLIANCE’s MyLife Savings Account is the perfect place to turn your rainy-day fund into a cash stockpile.

Check out these great MyLife Savings Account perks:

  • Get a head start with an interest boost from USALLIANCE – you’ll earn 2.00% APY on your first $500.
  • No monthly maintenance fees
  • No minimum balance requirements
  • Feel safe and secure knowing your funds are insured up to $250,000 by the National Credit Union Administration (NCUA)

Should I Open a MyLife Savings Account?

A MyLife Savings Account is an easy way to grow money in an interest-bearing account.

Are you planning for college, your first home, or a new car? Maybe you have your eye on an extravagant vacation—you deserve it! Whatever your longer-term financial goals are, a savings account is your first step toward seeing your plans through.


MyLife Money Market: For Driving Dividends

With USALLIANCE’s MyLife Money Market Account, you will earn more interest as you save. When your account balance grows, so will your interest rate – increasing those dividends.

Benefits of a MyLife Money Market Account:

  • Dividends paid monthly
  • 24/7 access to your funds
  • No monthly maintenance fees
  • No minimum to open
  • No minimum balance requirement

Should I Open a MyLife Money Market Account?

Money market accounts often offer higher interest rates in exchange for minimum balances and limiting the number of withdrawals you can make, encouraging you to save more.

If you plan on growing some serious savings and are interested in earning higher interest, then a MyLife Money Market Account may be right for you!


High Dividend Savings: For Driving Dividends

If you can maintain a minimum balance, you qualify for a great interest rate with a USALLIANCE High Dividend Savings Account. As a credit union, USALLIANCE has the flexibility to offer better rates than the big banks by offering a true variable rate, recalibrating each month to stay competitive.

With a USALLIANCE High Dividend Savings Account, you’ll enjoy:

  • Daily compounding interest
  • No monthly maintenance fees
  • Funds insured up to $250,00 by the NCUA
  • Earning dividends after $500 minimum balance is met

Should I Open a High Dividend Savings Account?

Who doesn’t want more return on their investment? A High Dividend Savings Account is a great option for those who feel comfortable keeping a healthy amount in their accounts while looking to grow their hard-earned cash.


Certificate Accounts: For Saving Big on a Timeline

Certificate Account savings grow more than most account types. A Certificate Account promises higher interest rates in exchange for leaving money untouched for a pre-selected term of your choosing.

In general, the longer you wait, the better the rate.

We know that sometimes your funds need to be out of sight, out of mind for a while in order to grow. We’ll help you pass the time with the following perks:

  • Choose your desired term
  • Choose the rate that best fits your financial goals
  • Interest compounds daily and is credited monthly
  • Open an account with as little as $500

Should I Open a Certificate Account?

Certificate Accounts are a great way to earn high interest, but you must be confident in leaving your money untouched for the agreed-to amount of time. Luckily, at USALLIANCE, we offer terms as little as three-months to get started with low minimum balances across the board.


Looking for Something a Little More... Special?

USALLIANCE has all your financial needs covered with these additional accounts:

Health Savings Account – Make 100% tax-deductible deposits into your Health Savings Account to use for various medical needs, including co-pays, deductibles, dental, and vision, and more. Plus, your balance carries over year-to-year.

Club Account – USALLIANCE Club Accounts are designed to help you reach a specific savings goal in a year or less. Whether you’re setting aside funds for taxes, tuition, or vacations, Club Accounts are set up to help you plan and budget your way to your goal.

Business Money Market Account – This option is similar to the MyLife Money Market Account, but it’s built with businesses in mind. Park your business’ money where you can save the most without being locked in!

MyLife Checking for Teens  – Help teach your teen about fiscal responsibility with an account whose digital capabilities keep up with your teen while having just the right amount of adult supervision.

MyLife Savings for Kids – It’s never too early to learn and get excited about saving! Jumpstart your child’s financial journey with a savings account made for kids – they’ll even get a $10 gift from USALLIANCE on their birthday!

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