MEFCU Direct

Hello and welcome to MEFCU Direct, a division of USALLIANCE!

As of February 28, 2023, Marriott Employees' Federal Credit Union has become part of USALLIANCE. We are excited to expand the products, services, and dividends available to MEFCU members through this merger, with the full digital suite of USALLIANCE banking services coming later in 2023. We are incredibly excited for you to become part of our community; thank you to all MEFCU members who voted to join USALLIANCE!

All existing MEFCU Direct members can continue their financial business as usual for the time being, using the same account and phone numbers, and speaking with the same great team you are familiar with on the other end of the phone.

In the coming months, we will be working to transition your MEFCU Direct accounts to USALLIANCE Financial accounts. We will update you about what to expect regularly, including new account features, changes to your account numbers, and information to help you take full advantage of everything USALLIANCE has to offer.

High Dividend Savings¹

A higher-yield account option for members, paying a premium share savings rate (currently 4.25% APY*) for balances over $500.

Certificate Accounts

USALLIANCE offers premium rates on its share certificate accounts and has been nationally recognized for its higher rates on certificates.

Coming Soon…

Once your accounts have been successfully converted to USALLIANCE, you will gain access to our wide range of first-class products and features, including:

Early Pay Day with Direct Deposit²

USALLIANCE members benefit from up to 2 days earlier access to their funds. MEFCU members will be able to take advantage of this benefit once system conversions are complete.

Lower fee structure on deposit accounts

USALLIANCE has no minimum balance fees on its deposit products, offers ATM rebates for members using foreign ATMs, and offers a much lower fee structure for NSF and Courtesy pay returns. MEFCU members will immediately benefit from reduced fees on checking and share accounts. Other transaction-related fees will be eliminated once the merger is completed.

Comprehensive mortgage lending programs

USALLIANCE offers a broad array of mortgage products, including a first-time home buyer program. Members will immediately be able to take advantage of these products.

Member service focus

MEFCU members will enjoy and benefit from an even higher standard of service along with an expansion of service touchpoints. USALLIANCE offers state-of-the-art online banking with a wide range of member services, including an online chatbot, live online chat with representatives, and call scheduler, in addition to our full-service member contact center.

Additional products and services include:

ATM fee reimbursement

Get reimbursed up to $10 per month for the fees charged by non-USALLIANCE ATMs.³

Free Credit Score

Get a free monthly credit score check without impacting your score.

Credit Builder Loans

Establish or boost your credit score with monthly payments on a small loan.

MyLife Ready Cash

Designed for unexpected financial demands, get qualified for a small loan in as little as 60 seconds with no credit check.

MyLife Checking for Teens

Teach financial responsibility to teens while allowing them to learn through doing.

MyLife Savings for Kids

2.00% APY* on the account’s first $500 and an annual $10 gift on their birthday to help your child get excited about saving.