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* New Member Info
*
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* Visa Signature
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* Checking
* High-Rate Checking
* Teen Checking
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* Custodial Accounts
SIMPLE, QUICK, SECURE
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checks, manage cards and so much more.
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FUND ENDLESS POSSIBILITIES
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emergency funds when you need it with an Alliant Home Equity Line of Credit.
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YOUR DREAM RIDE + A DISCOUNTED RATE
Browse new and used vehicle inventory, and qualify for a rate discount when
you buy!81
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ORGANIZE YOUR GOALS
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Account so you can visualize your progress.
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ALLIANT CREDIT UNION - ONLINE BANKING, SAVINGS AND CHECKING ACCOUNTS, CREDIT
CARDS, HOME LOANS & AUTO LOANS
ONLINE BANKING
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SIT BACK, RELAX AND EARN A HIGHER RATE
LOCK IN 5.20% APY57 WITH A 12-MONTH JUMBO CERTIFICATE
Learn more
FIND AN ATM >>
Bank Online Stress Free
Bank anywhere, anytime using online banking or our mobile banking app.
Earn Unlimited Cash Back
Unlimited cash back credit card with no annual fee and no tricky spending
categories to track.84
Check Out Our Checking
ATM rebates = No ATM scavenger hunts! Plus, no overdraft fees.19
Fraud Prevention & Security
Alliant is committed to protecting your account with the latest security
measures.
Hold The Keys
An Alliant car loan or refi puts you in the driver’s seat with great low rates.
Save More Money
Our High-Rate Savings account pays you 15x the bank national average.63,71
Bank Online Stress Free
Bank anywhere, anytime using online banking or our mobile banking app.
Earn Unlimited Cash Back
Unlimited cash back credit card with no annual fee and no tricky spending
categories to track.84
Check Out Our Checking
ATM rebates = No ATM scavenger hunts! Plus, no overdraft fees.19
Fraud Prevention & Security
Alliant is committed to protecting your account with the latest security
measures.
Hold The Keys
An Alliant car loan or refi puts you in the driver’s seat with great low rates.
Save More Money
Our High-Rate Savings account pays you 15x the bank national average.63,71
Bank Online Stress Free
Bank anywhere, anytime using online banking or our mobile banking app.
Earn Unlimited Cash Back
Unlimited cash back credit card with no annual fee and no tricky spending
categories to track.84
Check Out Our Checking
ATM rebates = No ATM scavenger hunts! Plus, no overdraft fees.19
Fraud Prevention & Security
Alliant is committed to protecting your account with the latest security
measures.
‹›
Save More Money
Our High-Rate Savings account pays you 15x the bank national average.63,71
Bank Online Stress Free
Bank anywhere, anytime using online banking or our mobile banking app.
Earn Unlimited Cash Back
Unlimited cash back credit card with no annual fee and no tricky spending
categories to track.84
Check Out Our Checking
ATM rebates = No ATM scavenger hunts! Plus, no overdraft fees.19
THE ULTIMATE OPPORTUNITY SAVINGS ACCOUNT
Alliant has partnered with Suze Orman to offer a high-rate savings account and
bonus for new members.
Learn More
TRACK AND REACH YOUR FINANCIAL GOALS
Open up 19 supplemental savings accounts to track specific savings goals while
earning a high rate.
Learn More
WHY CHOOSE ALLIANT
★★★★★
2024 Best Credit Union
BankRate
★★★★★
Best Credit Union
Newsweek
★★★★★
Best Overall Credit Union
CNBC
★★★★★
2024 Best Credit Union
Nerdwallet
‹›
★★★★★
2024 Best Credit Union
BankRate
★★★★★
Best Credit Union
Newsweek
★★★★★
Best Overall Credit Union
CNBC
★★★★★
2024 Best Credit Union
Nerdwallet
Learn More About Alliant
WE’RE HERE TO HELP YOU SPEND AND SAVE SMARTER.
HIGH-YIELD SAVINGS ACCOUNT FOR SHORT-TERM GOALS: SAVING FOR A VACATION OR
WEDDING
GUIDE TO YOUR SUMMER ROAD TRIP BUDGET
HOW AND WHY YOU SHOULD SET UP SPLIT DIRECT DEPOSIT
View More Articles
Member care center: 252-220-2542
Corporate offices:
(Not open to the public. No branches or ATMs.)
Touhy Ave., Chicago, IL 60666
Routing #271081528
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All loans subject to approval.
84. As described in the Alliant Cashback Visa Signature Card Program Terms &
Conditions, certain categories of purchases do not qualify to earn cash back.
See the Alliant Cashback Visa Signature Card Disclosure for additional details.
71. APY= Annual Percentage Yield. Comparison based on Alliant Credit Union 3.10%
APY as of the 5/24/2024 dividend declaration date vs. the bank national average
savings rate of .21% APY as of 5/1/2024 sourced from National Association of
Federal Credit Unions in cooperation with SNL Financial and Datatrac Corp.
19. Your first box of standard checks is free. Other check designs are available
for an extra charge.
Alliant checking charges no monthly maintenance or service fees. Please refer to
the Alliant Fee Schedule for a list of fees.
Overdraft protection is optional. You must opt in to benefit from this free
service and you can unenroll at any time. Alliant's overdraft protection program
honors your overdrafts on your checking account when you don’t have enough money
in your Alliant checking account to cover a transaction, provided you have
enough money in your Alliant Savings or Supplemental Savings Account. To do so,
we automatically transfer funds from your Alliant Savings or Supplemental
Savings Account to your Alliant checking account to cover your overdrafts.
Overdraft protection does not cover ATM transactions.
Courtesy Pay is a discretionary "courtesy" overdraft service. There is no fee to
enroll in or use the Courtesy Pay service and you can unenroll at any time. To
be eligible for Courtesy Pay, members must be in good standing and have an
Alliant checking account that has been open for at least six months. Other
eligibility factors are risk-based and determined by Alliant using internal and
confidential information, including your account history. To qualify to use
Courtesy Pay, eligible members must have qualifying deposits totaling at least
$600 into their Alliant checking account in the previous 30 days. Standard
Courtesy Pay may pay checks and ACH electronic items that would not have not
cleared otherwise due to insufficient funds, up to an approved limit. The full
amount of the overdraft balance will be due immediately but in no event more
than 30 days from the date of the occurrence at which time Courtesy Pay
privileges will be suspended and possibly terminated. If you opt in for extended
coverage, Courtesy Pay may also cover everyday debit transactions on your
Alliant Visa debit card that would not have cleared otherwise due to
insufficient funds, up to an approved limit. See the Alliant Account Agreement
and Disclosures and the Courtesy Pay Disclosure for details and the Fee Schedule
for a list of fees. Courtesy Pay does not cover ATM transactions.
A fee will apply if you choose to receive an account statement in paper form;
refer to the Fee Schedule. To avoid the paper statement fee, log in to Alliant
Online Banking to change your statement preference to eStatements.
Alliant will rebate ATM fees up to $20 per month per membership account when you
use your Alliant checking account Visa debit card to make a deposit, withdrawal,
transfer or balance inquiry. The rebate does not apply to cash advances from
Alliant Visa credit cards through ATMs nor to the Alliant Savings ATM Card and
Visa International Service Assessment (ISA) fee, referenced as the foreign
transaction fee on account statements. Not all ATMs accept deposits.
Limitations apply. Mobile check deposit requires a camera-enabled mobile device.
Data and text charges may apply. Check with your mobile service provider.
APY=Annual Percentage Yield. Alliant High-Rate Checking Dividends are paid on
the last day of each month to checking accountholders who have opted out of
receiving paper statements (receive eStatements only) and have a recurring
monthly electronic deposit to their Alliant checking account each month (e.g., a
direct deposit, payroll deposit, ATM deposit, mobile check deposit or transfer
from another financial institution). Otherwise, Alliant checking accounts do not
earn a dividend. The 6/5/2024 High Rate Checking dividend provides an Annual
Percentage Yield (APY) of 0.25% APY. The APY is accurate as of the 5/24/2024
dividend declaration date. Checking dividend may change after account is opened
and is subject to change at any time. There is no minimum balance requirement to
earn a dividend. Account is subject to approval. We may not open checking for
you if you do not meet Alliant criteria.
57. APY= Annual Percentage Yield. The APY is accurate as of the 5/24/2024
dividend declaration date. A $1000.00 minimum deposit is required to open a
Regular Alliant Certificate. A $75,000 minimum deposit is required to open an
Alliant Jumbo Certificate. If you open an Alliant Jumbo Certificate with a
minimum deposit of $75,000, but later withdraw funds from the account and bring
the balance below $75,000, the Alliant Jumbo Certificate will convert to a
Regular Alliant Certificate, which may pay a lower rate. You must be an Alliant
member. Alliant Certificates are available as Regular Share Certificates and,
Jumbo Share Certificates. Both Regular and Jumbo Certificate types are also
offered as Traditional IRA Certificates, Roth IRA Certificates, and SEP IRA
Certificates. In addition, prior to opening an IRA Certificate (Traditional,
Roth and SEP), you must have or establish an IRA with Alliant. You may not add
any additional money to your Certificate after opening. Dividends compound
monthly and are paid on the last day of the month and at maturity. A penalty
will be imposed for early withdrawal of any principal amount. There are no
penalties for monthly dividend withdrawals. Early withdrawal penalties do apply
if the Certificate is closed before the maturity date unless the Certificate
funds are moved to Alliant Retirement and Investment Services. If you wish to
move your Certificate funds to Alliant Retirement and Investment Services, you
must wait until 7 days after your Certificate has been opened. Other exceptions
to early withdrawal penalties may be allowed. Monthly dividend withdrawals are
not eligible on IRA Certificates if owner is under age 59 1/2. Any monthly
withdrawals or transfers reduce earnings. If you change the term of your renewed
Certificate, the beneficiary(ies) need(s) to be reestablished by completing a
Beneficiary Add/Delete Form. (Not applicable to IRA Certificates). The joint
owner designated at the time of Certificate opening will remain as joint owner
if you renew your Certificate with Alliant. Neither the primary account owner or
joint owner may be a beneficiary on the Certificate account. You are not locked
into a rate until you open or renew your Alliant Certificate. Alliant
Certificate rates may change daily. Fees may reduce earnings on the account.
3-5 months
Regular Share Certificates with a term between 3 and 5 months provide a Dividend
Rate of 4.17% – Compounded Annual Percentage Yield of 4.25% APY on balances
between $1,000 and $74,999.99. Jumbo Share Certificates with a term between 3
and 5 months provide a Dividend Rate of 4.17% – Compounded Annual Percentage
Yield of 4.25% APY on balances $75,000 or greater. IRA Certificates with a term
between 3 and 5 months provide a Dividend Rate of 4.17% – Compounded Annual
Percentage Yield of 4.25% APY on balances between $1,000 and $74,999.99. Jumbo
IRA Certificates with a term between 3 and 5 months provide a Dividend Rate of
4.17% – Compounded Annual Percentage Yield of 4.25% APY on balances $75,000 or
greater.
6-11 months
Regular Share Certificates with a term between 6 and 11 months provide a
Dividend Rate of 4.89% – Compounded Annual Percentage Yield of 5.00% APY on
balances between $1,000 and $74,999.99. Jumbo Share Certificates with a term
between 6 and 11 months provide a Dividend Rate of 4.89% – Compounded Annual
Percentage Yield of 5.00% APY on balances $75,000 or greater. IRA Certificates
with a term between 6 and 11 months provide a Dividend Rate of 4.89% –
Compounded Annual Percentage Yield of 5.00% APY on balances between $1,000 and
$74,999.99. Jumbo IRA Certificates with a term between 6 and 11 months provide a
Dividend Rate of 4.89% – Compounded Annual Percentage Yield of 5.00% APY on
balances $75,000 or greater.
12-17 months
Regular Share Certificates with a term between 12 and 17 months provide a
Dividend Rate of 5.03% – Compounded Annual Percentage Yield of 5.15% APY on
balances between $1,000 and $74,999.99. Jumbo Share Certificates with a term
between 12 and 17 months provide a Dividend Rate of 5.08% – Compounded Annual
Percentage Yield of 5.20% APY on balances $75,000 or greater. IRA Certificates
with a term between 12 and 17 months provide a Dividend Rate of 5.03% –
Compounded Annual Percentage Yield of 5.15% APY on balances between $1,000 and
$74,999.99. Jumbo IRA Certificates with a term between 12 and 17 months provide
a Dividend Rate of 5.08% – Compounded Annual Percentage Yield of 5.20% APY on
balances $75,000 or greater.
18-23 months
Regular Share Certificates with a term between 18 and 23 months provide a
Dividend Rate of 4.70% – Compounded Annual Percentage Yield of 4.80% APY on
balances between $1,000 and $74,999.99. Jumbo Share Certificates with a term
between 18 and 23 months provide a Dividend Rate of 4.75% – Compounded Annual
Percentage Yield of 4.85% APY on balances $75,000 or greater. IRA Certificates
with a term between 18 and 23 months provide a Dividend Rate of 4.70% –
Compounded Annual Percentage Yield of 4.80% APY on balances between $1,000 and
$74,999.99. Jumbo IRA Certificates with a term between 18 and 23 months provide
a Dividend Rate of 4.75% – Compounded Annual Percentage Yield of 4.85% APY on
balances $75,000 or greater.
24-35 months
Regular Share Certificates with a term between 24 and 35 months provide a
Dividend Rate of 4.22% – Compounded Annual Percentage Yield of 4.30% APY on
balances between $1,000 and $74,999.99. Jumbo Share Certificates with a term
between 24 and 35 months provide a Dividend Rate of 4.31% – Compounded Annual
Percentage Yield of 4.40% APY on balances $75,000 or greater. IRA Certificates
with a term between 24 and 35 months provide a Dividend Rate of 4.22% –
Compounded Annual Percentage Yield of 4.30% APY on balances between $1,000 and
$74,999.99. Jumbo IRA Certificates with a term between 24 and 35 months provide
a Dividend Rate of 4.31% – Compounded Annual Percentage Yield of 4.40% APY on
balances $75,000 or greater.
36-47 months
Regular Share Certificates with a term between 36 and 47 months provide a
Dividend Rate of 4.07% – Compounded Annual Percentage Yield of 4.15% APY on
balances between $1,000 and $74,999.99. Jumbo Share Certificates with a term
between 36 and 47 months provide a Dividend Rate of 4.17% – Compounded Annual
Percentage Yield of 4.25% APY on balances $75,000 or greater. IRA Certificates
with a term between 36 and 47 months provide a Dividend Rate of 4.07% –
Compounded Annual Percentage Yield of 4.15% APY on balances between $1,000 and
$74,999.99. Jumbo IRA Certificates with a term between 36 and 47 months provide
a Dividend Rate of 4.17% – Compounded Annual Percentage Yield of 4.25% APY on
balances $75,000 or greater.
48 months
Regular Share Certificates with a term of 48 months provide a Dividend Rate of
3.93% – Compounded Annual Percentage Yield of 4.00% APY on balances between
$1,000 and $74,999.99. Jumbo Share Certificates with a term of 48 months provide
a Dividend Rate of 3.98% – Compounded Annual Percentage Yield of 4.05% APY on
balances $75,000 or greater. IRA Certificates with a term of 48 months provide a
Dividend Rate of 3.93% – Compounded Annual Percentage Yield of 4.00% APY on
balances between $1,000 and $74,999.99. Jumbo IRA Certificates with a term of 48
months provide a Dividend Rate of 3.98% – Compounded Annual Percentage Yield of
4.05% APY on balances $75,000 or greater.
60 months
Regular Share Certificates with a term of 60 months provide a Dividend Rate of
3.93% – Compounded Annual Percentage Yield of 4.00% APY on balances between
$1,000 and $74,999.99. Jumbo Share Certificates with a term of 60 months provide
a Dividend Rate of 3.98% – Compounded Annual Percentage Yield of 4.05% APY on
balances $75,000 or greater. IRA Certificates with a term of 60 months provide a
Dividend Rate of 3.93% – Compounded Annual Percentage Yield of 4.00% APY on
balances between $1,000 and $74,999.99. Jumbo IRA Certificates with a term of 60
months provide a Dividend Rate of 3.98% – Compounded Annual Percentage Yield of
4.05% APY on balances $75,000 or greater.
63. The savings dividend provides an Annual Percentage Yield (APY) of 3.10%. The
APY is accurate as of the 5/24/2024 dividend declaration date. Dividends are
paid on the last day of the month to accountholders who have maintained an
average daily balance of $100 or more. Savings dividend may change after account
is opened and is subject to change at any time. Dividend applies to Savings,
Supplemental Savings, Emergency Savings, Kids Savings Accounts, UTMA Custodial
Accounts, Trust Accounts and IRA. Fees may reduce earnings on the account.
© 2024 Alliant Credit Union