Designed for new and existing Alliant members planning to buy a home in the next few years, this program provides a structured way to save for a down payment while earning a match on the interest you earn, up to $1,500.
Ready to move from saving to financing? Visit Journey Home
Introducing
Alliant Journey Home Savings
in partnership with Beyond
The most rewarding way to save for your down payment.
• Start a savings plan (at least $300/month over an 18-month period)3
• Earn 3.01% APY (16x the national average!)1,2
• Get up to a 100% match on your interest earned ($1,500 max)3
• Turn your savings into a chance to win $1000 with Beyond Boost*
Whether you’re just starting to save or getting closer to buying, Journey Home Savings rewards you for saving consistently.
Savings that bring homeownership closer
See your money grow with
Journey Home Savings
Minimum $300 deposit per month required*
Minimum 18 months to earn a bonus*
$18,000
Your savings contribution
+
$427
Interest earned on your savings
+
$427
Interest match
=
$18,854
Total saved for your down payment
Estimates assume monthly contributions and mortgage closing after a minimum of 18 months, a 3.01% APY compounded monthly, and all promotional requirements are met. Rates may change after account is opened and are subject to change at any time. Alliant will match the interest earned in your eligible savings account as a credit at closing on a qualifying Alliant mortgage, up to $1,500. Actual interest earned may vary.
Savings built to give you more
Rewarding good habits
A better savings rate
No hidden fees
Save at least $300 each month over an 18-month period and earn the interest match at closing, up to $1,5003
Earn our best interest rate on your money—16 times the bank national average1,2
Keep more of what you earn with no minimum balance, no hidden charges, and no monthly fees4
Expert guidance to bring you closer to homeownership
After your first month's deposit, an Alliant loan officer will reach out to help you create a personalized plan to get you into your home.
Turn your savings into a chance to win with Beyond Boost*
Through our partners at Beyond, your $300 deposit automatically earns you one sweepstakes entry for a chance to win one of 25 $1,000 prizes. Limit one entry per month, up to four entries total.
*NO PURCHASE OR OBLIGATION NECESSARY TO ENTER OR WIN. Open only to legal residents of the 50 U.S./DC, 18+ or age of majority as of 9/21/26. Void where prohibited. Ends 12/31/26. Limit up to four (4) Entries (one (1) per Entry Period) per person for the Sweepstakes Period, regardless of method of Entry. Limit one (1) prize per person or household. For complete Official Rules including prize details, Entry Period deadlines and alternate method of entry, see Official Rules. Sponsored by Alliant Credit Union, 11545 W. Touhy Avenue, Chicago, IL 60666.
Savings Toolkit
These curated tools are here to help you get started on your home journey.
CALCULATOR
ARTICLE
CALCULATOR
Why Alliant Credit Union?
Member-owned, people first
90+ years of WOW service
24/7 advanced fraud monitoring
Insured by NCUA
As one of the largest credit unions in the U.S. and a not-for-profit, we're here to help you save more and pay less.
Feel the difference with outstanding member service from real people who put you first.
Receive alerts via text message, email, or mobile app to keep you informed on unusual account activity.
Rest easy knowing the funds in your Alliant deposit accounts are federally insured up to $250,000.
Get Started withJourney Home Savings today.
Saving for something else right now?
Explore Alliant's high-yield savings options.
Frequently Asked Questions
To qualify you must enroll between Sept. 16, 2026, and April 30, 2027.
New members can open an Alliant High-Rate Savings account through promo.alliantcreditunion.org/journeyhomesavings and existing Alliant members can enroll by opting in to Journey Home Savings communications.
To qualify, you must deposit at least $300 each month for eighteen (18) months into your Alliant High-Rate Savings account. After completing your eighteenth qualifying deposit, you must close on an Alliant Mortgage within the next 42 months.
Deposit Requirement Example: If a participant enters the promotion in September 2026, the first of eighteen (18) monthly deposits must be made no later than October 31, 2026, and deposits must continue to be made each month through March 31, 2028, subject to the missed deposit allowance.
Mortgage Requirement Example: A participant who enrolls on September 16, 2026, completes their eighteenth qualifying deposit in March 2028, and closes on a qualifying mortgage any time from March 2028 through September 30, 2031, will satisfy the mortgage timing requirement.
You can miss two (2) monthly deposit requirements during the 18 months without disqualification. Missed monthly deposits do not need to be consecutive.
Alliant will match the interest earned in your eligible savings account during the promotion qualification period, up to a maximum of $1,500.
If Alliant cannot approve your mortgage, cannot match another lender's terms, or you choose to obtain a mortgage from a lender other than Alliant, we will match 25% of the interest earned, up to a maximum of $375. To receive this match, you must provide a copy of your mortgage closing disclosure within 30 days of closing. We will deposit the match into your Alliant High-Rate Savings account within 30 days of receipt.
Yes. Once you enroll, you will receive an email confirming your participation in the promotion.
Check for a confirmation email within 5 days. If you don’t receive it, resubmit the form and make sure you’re using the email address associated with your Alliant account.
After your first month’s contribution, you will be contacted by an Alliant mortgage advisor to discuss your homeownership goals and answer any questions you may have.
In partnership with the brands you love
1. The savings dividend provides an Annual Percentage Yield (APY) of 3.01%. The APY is accurate as of the 07/30/2026 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.
2. APY= Annual Percentage Yield. Comparison based on Alliant Credit Union 3.01% APY as of the 07/30/2026 dividend declaration date vs. the bank national average savings rate of 0.18% APY as of 07/06/2026 sourced from National Association of Federal Credit Unions in cooperation with SNL Financial and Datatrac Corp.
3. Alliant Credit Union Journey Home Savings Promotion Terms and Conditions
Eligible new and existing members may qualify for one of the available bonus opportunities depending on which of the following requirements are satisfied:
Entering the Promotion
• New Members: All account applications are subject to approval. New members may enroll into the promotion by opening a High-Rate Savings (S01) account between September 16, 2026, and April 30, 2027, via the promotional landing page.
• Existing Members: Members with existing High-Rate Savings (S01) accounts may enroll by completing the form on the promotional landing page between September 16, 2026, and April 30, 2027.
Deposit Requirements: Participants must deposit at least $300 (“Qualifying Deposit”) each calendar month for eighteen (18) months (“Qualification Period”) into their eligible High-Rate Savings (S01) account. Dividend credits, promotional credits, and other amounts determined by Alliant do not satisfy the monthly deposit requirement. Participants must make the first monthly deposit by the last day of the calendar month following enrollment in the promotion*. After making the first Qualifying Deposit, Participants may miss up to two (2) monthly deposit requirements without disqualification.
Mortgage Requirement:
• Participants must close on a Qualifying Alliant mortgageI or Qualifying non-Alliant mortgageII after completing all Qualifying Deposits in the Qualification Period and no later than the last day of the forty-second (42nd) calendar month following the last month of the Qualification Period*.
• Participation in this promotion does not guarantee mortgage approval.
• For Qualifying non-Alliant mortgages, Participants must provide a fully executed Closing Disclosure as proof of closing within 60 days of mortgage closing.
Qualifying Alliant Mortgage Dividends and Bonus:
After all promotion requirements have been met, Alliant will provide a bonus equal to the dividends credited to the Participant’s High-Rate Savings (S01) account during the Qualification Period and through the date the Participant’s written Intent to Proceed is received by Alliant for the new mortgage, up to a maximum of $1,500III. A Qualifying Alliant mortgage may receive only one bonus, regardless of the number of borrowers or co-borrowers on the loan who may have participated in the Journey Home Savings Promotion. The bonus will first be applied toward eligible closing costsIII, IV on a Qualifying Alliant mortgage at mortgage closing. The closing-cost credit may not exceed the Participant's actual eligible closing costs and will be applied only to the extent permitted by applicable investor, agency, insurer, and regulatory requirements. Any remaining bonus amount that cannot be applied as a closing creditIII will be credited to the eligible High-Rate Savings (S01) Account within the 60 days following mortgage closing.
Qualifying Non-Alliant Mortgage Dividends and Bonus:
After all promotion requirements have been met, Alliant will provide a bonus equal to twenty-five percent (25%) of the dividends credited to the Participant’s High-Rate Savings (S01) account during the Qualification Period and through mortgage closing, up to a maximum promotional credit of $375. A Qualifying non-Alliant mortgage may receive only one bonus, regardless of the number of borrowers or co-borrowers on the loan who may have participated in the Journey Home Savings Promotion. The bonus will be deposited to the Participant’s eligible High-Rate Savings (S01) account within 30 days after Alliant receives a fully executed Closing Disclosure as proof of closing on the Qualifying non-Alliant mortgage.
Participants must maintain Alliant membership and their eligible High-Rate Savings (S01) account in good standing through mortgage closing and in order for any bonus to be credited to the account. Closing the High-Rate Savings (S01) account before mortgage closing or before crediting of any bonus will result in disqualification from the promotion and forfeiture of the promotional benefit. Limit one offer per Alliant member. Alliant reserves the right to modify, suspend, or terminate this promotion, or correct any administrative, technical, or printing errors, if circumstances beyond Alliant's reasonable control impair the administration, security, or proper operation of the promotion. Any such action will be taken in accordance with applicable law. Offer is not transferable and not valid for UTMAs, IRAs or other tax-exempt accounts. Participants will be responsible for any tax liability. Alliant reserves the right to disqualify Participants for fraud, abuse, or failure to satisfy promotion requirements. Must be 18 or older at time of account opening and a U.S. Resident or U.S. Person (including a U.S. Resident Alien) to be eligible. This promotion is subject to all federal, state and local laws and regulations and governed by Illinois law. Promotion is sponsored by Alliant Credit Union, 11545 W. Touhy Ave., Chicago, IL 60666.
* Please reference these FAQs for examples.
I. Qualifying Alliant mortgage loans include purchase-money first-lien residential mortgage loans originated by Alliant Credit Union. This includes Alliant Fixed Rate and Adjustable-Rate Mortgage (ARM) loans for primary or secondary residence. Home equity products, refinance transactions, construction to permanent loans, and any other loan products designated by Alliant as ineligible are excluded.
II. Qualifying non-Alliant mortgage loans include scenarios where Alliant cannot approve your mortgage or cannot match a term from another lender.
III. The bonus applied toward eligible closing costs may not exceed three percent (3%) of the purchase price of the property securing the qualifying mortgage loan or $1,500, whichever is less.
IV. Eligible closing costs are those fees and charges customarily paid at mortgage closing that Alliant determines are permissible for application of the promotional credit. The promotional credit may not be applied to down payment funds, earnest money deposits, cash reserves, or any amount otherwise prohibited by applicable law or investor requirements.
Alliant Credit Union Journey Home Savings Promotion Terms and Conditions (PDF)
4. Non-standard service fees may apply, please view our full fee schedule. Fees subject to change.
