Lock in a rate up to 5.20% APY¹ with a certificate

Forget the low interest rates most banks offer. Alliant certificates give you the options and rates you deserve, guaranteed.

A safe and easy way to earn more

New jumbo option!

Flexible maturity dates

Low minimum opening deposit

Earn more with some terms by depositing $75,000+

Choose the option that works best for you.

Get started with a deposit as low as $1,000.

Term

APY(%)¹

12-month certificate

12-month jumbo certificate

18-month certificate

18-month jumbo certificate

24-month certificate

24-month jumbo certificate

36-month certificate

36-month jumbo certificate

48-month certificate

48-month jumbo certificate

60-month certificate

60-month jumbo certificate

5.15%

5.20%

4.80%

4.85%

4.30%

4.40%

4.15%

4.25%

4.00%

4.05%

4.00%

4.05%

The Choice is yours

By opening a certificate at Alliant, you’ll automatically become a member and get a High-Rate Savings account.

The Alliant difference

Alliant is one of the largest credit unions in the U.S., with more than 88 years of experience and 850,000+ members nationwide. We're 100% digital and we're not-for-profit, so we can reward our members by offering high savings and checking rates, low loan rates, rich credit card rewards and fewer fees.

Best CD Rates

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CD Rates

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1. 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.


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.

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