US Alliance Financial

Overview

US Alliance Federal Credit Union, a not-for-profit financial cooperative, was established in 1966 and has since dedicated itself to serving the financial needs of its members. Its overarching mission is to diligently provide superior financial services and actively foster the comprehensive financial well-being of its members. This commitment is realized through consistently competitive rates, a structure designed for low fees, and an unwavering dedication to exceptional service. US Alliance offers a comprehensive range of traditional banking products, which includes essential checking and savings accounts, various personal loans, mortgages, and auto loans, catering to both individuals and businesses within its defined field of membership.

Customer Views

What They Like

Customers generally praise US Alliance Federal Credit Union for the inherent benefits of a credit union, such as consistently competitive interest rates on loans and savings products, and notably lower fees compared to many traditional commercial banks. Reviewers often highlight its strong member-focused service, emphasizing a more personalized and attentive approach to customer interactions. The cooperative structure, where members are owners and profits are reinvested back into the community and its members, is a significant distinguishing advantage that fosters a sense of trust and shared benefit.

What They Dislike

However, a primary limitation for some is its membership requirements, which restrict access to individuals who meet specific criteria, such as employer affiliation or geographic location, limiting universal accessibility. Its physical branch network is considerably more limited than that of large commercial banks, which can be inconvenient for members seeking in-person services outside specific areas. Some online reviews also suggest that its digital adoption and mobile banking features can sometimes lag behind the more advanced offerings of leading fintech platforms.

FAQs

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's customers are saying...

Point was great!!!! They gave me money from my home equity when no one else would. I did not qualify for refi or reverse mortgage. They were fast and the customer service was great. I recommend them, highly.

Terri C.

I think is a better alternative to refinance similar in my opinion to a reverse mortgage. your immediate cash flow is not impacted if what you are trying to do is control your cashflow by eliminating smaller loans that do impact your current cashflow.

Jose Castillo

This HEI was a perfect fit for me. Retired and on a fixed income, I found I was paying interest on home equity loans each month. I never seemed to be able to reduce those loans, which meant I was cash-poor each and every month. I was able to pay off all those loans, leaving me with some cash each month. The payoff will happen when I sell my home in the future.

Bruce M.

The Point process was a lifesaver for me. It allowed me to get completely out of a lot of debt and to make the changes I wanted to make in my house to enjoy my old age. The application process was very easy - just get in what they ask you for as timely as possible. Crystal and John were two of the nicest people you could ever hope to meet. They both got things done as fast as possible - we closed in a month. I see this, especially for elderly people who don't have a lot of equity in their home and can't do a reverse mortgage, as another good option.

Bonnie C.