About USAlliance Financial’s 18-Month with 4.35% APY
USAlliance Financial currently offers a standout 18-month
Certificate of Deposit (CD) with a fixed 4.35% Annual Percentage Yield (APY),
featuring daily compounding interest. The institution also provides competitive
CD choices for 24-month and 11-month terms, giving savers flexibility depending
on their timelines.
Quick Overview
- 18-Month
CD — 4.35% APY, fixed, interest compounded daily
- 24-Month
CD — 4.35% APY, same high rate as the 18-month term
- 11-Month
CD — Typically a no-penalty CD; recent sources show around
4.20% APY
- Minimum
deposit for all CDs is $500
- Interest
compounding is daily, with crediting each month; accounts roll over
automatically unless instructed otherwise
Direct Link To Offer
In-Depth Details
18-Month & 24-Month CDs: Attractive Yields in a
Changing Market
As of late August 2025, both the 18- and 24-month CDs offer
a competitive 4.35% APY, placing them among the stronger mid-term savings
options nationwide. Notably, USAlliance Financial’s 2-year equivalent CD is
among the best available—also at 4.35% APY.
11-Month No-Penalty CD: A Flexible Short-Term Choice
This CD allows early withdrawals without penalty after the
first seven calendar days, although partial withdrawals aren’t
allowed—withdrawal closes the account. The rate hovers near 4.20% APY, making
it a solid, flexible early-access option.
What Savers Should Know
- Daily
compounding boosts effective returns over time.
- Low
barrier to entry—only $500 required to start.
- Renewal
policy—certificates auto-renew at current rates unless opted out.
- Early
withdrawal penalties:
- For terms under 18 months (like the 11-month CD), withdrawal penalty equals 180 days of dividends; for 18-months or longer, it’s 360 days—unless it’s a no-penalty CD
Is This Offer Worth It ?
Yes, for many savers, these CD rates are quite
profitable—especially in today’s low-rate climate. Here’s why:
- The 4.35%
APY is among the highest available for both mid-term and 2-year CDs as
of August 2025.
- Daily
compounding means slightly higher effective returns than simple
interest.
- The $500
minimum is accessible.
- The 11-month
no-penalty CD adds liquidity flexibility, appealing to those wary of
locking funds away.
Considerations:
- If
interest rates rise further, your money stays locked at the fixed rate
until maturity.
- Compare
with institutions offering even higher 18-month rates—some go as high as
4.50% for large balances.
- Evaluate
your liquidity needs and tolerance for early withdrawal penalties.
Summary
|
Term |
APY |
Minimum Deposit |
Highlights |
|
18-Month CD |
4.35% |
$500 |
Strong mid-term rate, daily compounding |
|
24-Month CD |
4.35% |
$500 |
Locks in high rate for 2 years |
|
11-Month No-Penalty CD |
~4.20% |
$500 |
Early access if needed, with full withdrawal |
Review
USAlliance Financial’s 18-month CD at 4.35% APY (with
daily compounding and a $500 minimum) is a compelling option for U.S. savers
seeking solid, stable returns. The 24-month CD mirrors that rate,
offering term flexibility, and the 11-month no-penalty CD provides
short-term access without sacrificing yield too much. Given the current rate
environment, these products are indeed profitable choices for building
risk-free interest earnings.
