USAlliance Federal Credit Union


In 1966, the International Business Machines Corporation (IBM) was an emerging pioneer in the information technology industry. It was during this same time that a small group of IBM employees banded together to create a financial institution to serve the unique monetary needs of Tri-State Area IBM employees.

Since those early days serving a small group of IBM employees, we have expanded our reach and evolved into an ever-growing multi-faceted $1.6 billion cooperative serving over 110,000 members worldwide, including the employees of American Express, PepsiCo, and of course, IBM. Our community charters encompass a variety of neighborhoods including town of West Haven in Connecticut; qualifying districts of Manhattan, Mount Vernon, and the Bronx in New York; the Massachusetts counties of Barnstable, Essex, Middlesex, Norfolk, Plymouth, Suffolk, and Worcester; the New Jersey counties of Bergen and Passaic; as well as many colleges and universities, houses of worship, and local and state employees of qualifying counties in NY. We also provide financial membership services for many great community-oriented organizations such as ASCAP, AOPA, Tread Lightly, and the New York Historical Society, just to name a few.

As a full-service not-for-profit financial institution, we offer a full range of checking, savings, credit cards, and loan products as well as various online banking services. Our members have access to 6,000 branch facilities and 30,000 surcharge-free ATMs across the country, in addition to USALLIANCE’s mobile banking app that was recently recognized by Finovate as one of the best in the industry.

HSA Program Features

FDIC or NCUA Insured:
Min Balance to Open:
  • Debit Card
  • Checks
  • Online Banking

HSA Interest Rates

Interest rates for various balance tiers
$0.00 - $2,000.00 0.02% APY
$2,000.01+ 0.05% APY
Last checked on: 08-26-2021. Rates may not be current, please check the provider's website for the latest rates.


Monthly Maintenance Fee $0.00
Account Opening Fee Unknown
Account Closing Fee Unknown

HSA Investment Options

Mutual Fund Platform: close   Self-Directed Brokerage: close   CDs: close   Other: close

Contact Information

General Information

Address 411 Theodore Fremd Ave, Suite 350
Rye, NY 10580-1426

Customer Service

Mailing Address 411 Theodore Fremd Avenue, Suite 350
Rye NY 10580-1410
Phone Number 800-431-2754
Email Address [email protected]