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Certificate Accounts
- Rates among the best in the industry
- Term options from 3 to 60 months to fit your goals1
- Dividends are compounded daily and credited monthly

Individual Retirement Accounts (IRA)
- Build savings for your future
- Easy to open and manage online
- Variety of investment and saving options
Traditional IRA
A Traditional IRA helps you build your retirement savings with tax-deferred growth.
Roth IRA
A Roth IRA lets you invest after-tax dollars now so your money can grow tax-free for the future.
Coverdell ESA
Invest in your loved one’s future with a Coverdell Education Savings Account.
**APY = Annual Percentage Yield. Dividends are calculated and compounded daily and credited monthly on the last calendar day of the month. The APY for all accounts is based on an assumption that dividends will remain in the account until maturity (or one year). Early withdrawal will reduce earnings. These accounts are subject to early withdrawal fees and other conditions which are detailed in our Truth in Savings Disclosure and Membership Agreement, Certificate Account Disclosure, and Fees and Service Charges Schedule. Rates accurate as of November 24, 2023.
1 - At maturity, Certificates will automatically rollover into a Certificate of the same term at the current fixed rate unless members change their selection. At maturity, Certificates that are marked as specials will automatically rollover to a Certificate of the same term at the current fixed rate. Members can change this selection any time before maturity. USALLIANCE also provides a 7-day grace period after maturity for members to alter their rollover choice.