Save more money. Our High-Rate Savings account pays you {{saving-rate-comp}}x the bank national average.²

Learn more about High-Rate Savings

Check out our checking. ATM rebates = No ATM scavenger hunts! Plus, no overdraft fees.³

Learn more about High-Rate Checking

Grow faster! Certificate rates are at a 5-year high. Choose jumbo option to earn even more.⁴

Learn more about certificates

Alliant is one of the largest credit unions in the U.S., with more than {{acu-years}} years of experience and {{members}}+ 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.

When you have Alliant’s award-winning app in your pocket, you have instant access to numerous “life hack” tools, including digital check deposit, a surcharge-fee-free ATM finder, and multiple ways to move money without leaving the couch. Enjoy everyday banking conveniences that give you back time you can use to focus on what’s really important to you … even if that’s more couch time.

* Membership subject to approval.

1. 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. 

2. APY= Annual Percentage Yield. Comparison based on Alliant Credit Union {{saving-apy}}% APY as of the {{div-declare-date}} dividend declaration date vs. the bank national average savings rate of {{avg-saving-rate}}% APY as of {{comp-date}} sourced from National Association of Federal Credit Unions in cooperation with SNL Financial and Datatrac Corp.

3. APY=Annual Percentage Yield. The High Rate Checking dividend provides an Annual Percentage Yield (APY) of {{checking-apy}}% APY. The APY is accurate as of the {{div-declare-date}} 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 the stated APY. 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. Alliant checking charges no monthly maintenance or service fees; however, if incurred, other fees may reduce earnings on the account. Please refer to the Alliant Fee Schedule for a list of these types of fees. Account is subject to approval. We may not open checking for you if you do not meet Alliant criteria.

Alliant will rebate ATM fees up to $20 per month per membership account when you use your Alliant 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.

Fees may reduce earnings.

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.

There is no minimum balance requirement to maintain a High-Rate Checking account. However, there is a minimum opening deposit requirement of $25 for new and existing Alliant members that open a High-Rate Checking account online via open.alliantcreditunion.com, and for new Alliant members that open a High-Rate Checking account by telephone (see the Truth-in-Savings Disclosure Chart in the Account Agreement and Disclosures for more information regarding minimum opening deposit requirements). Any funds that are deposited at account opening to satisfy a minimum opening deposit requirement may be withdrawn at any time. High-Rate Checking accounts that are opened via a paper application, online banking, or in connection with obtaining an Alliant loan (whether originated directly by Alliant or through an indirect lending channel) do not have a minimum opening deposit requirement. 

4. APY= Annual Percentage Yield. The APY is accurate as of the {{div-declare-date}} 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 3.06% – Compounded Annual Percentage Yield of 3.10% 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 3.06% – Compounded Annual Percentage Yield of 3.10% APY on balances $75,000 or greater. IRA Certificates with a term between 3 and 5 months provide a Dividend Rate of 3.06% – Compounded Annual Percentage Yield of 3.10% 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 3.06% – Compounded Annual Percentage Yield of 3.10% 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 4.03% – Compounded Annual Percentage Yield of 4.10% 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 4.03% – Compounded Annual Percentage Yield of 4.10% APY on balances $75,000 or greater. IRA Certificates with a term between 6 and 11 months provide a Dividend Rate of 4.03% – Compounded Annual Percentage Yield of 4.10% 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 4.03% – Compounded Annual Percentage Yield of 4.10% 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 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 between 12 and 17 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 between 12 and 17 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 between 12 and 17 months provide a Dividend Rate of 3.98% – Compounded Annual Percentage Yield of 4.05% 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 3.74% – Compounded Annual Percentage Yield of 3.80% 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 3.78% – Compounded Annual Percentage Yield of 3.85% APY on balances $75,000 or greater. IRA Certificates with a term between 18 and 23 months provide a Dividend Rate of 3.74% – Compounded Annual Percentage Yield of 3.80% 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 3.78% – Compounded Annual Percentage Yield of 3.85% 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 3.64% – Compounded Annual Percentage Yield of 3.70% 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 3.74% – Compounded Annual Percentage Yield of 3.80% APY on balances $75,000 or greater. IRA Certificates with a term between 24 and 35 months provide a Dividend Rate of 3.64% – Compounded Annual Percentage Yield of 3.70% 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 3.74% – Compounded Annual Percentage Yield of 3.80% 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 3.59% – Compounded Annual Percentage Yield of 3.65% 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 3.69% – Compounded Annual Percentage Yield of 3.75% APY on balances $75,000 or greater. IRA Certificates with a term between 36 and 47 months provide a Dividend Rate of 3.59% – Compounded Annual Percentage Yield of 3.65% 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 3.69% – Compounded Annual Percentage Yield of 3.75% APY on balances $75,000 or greater.

48 months

Regular Share Certificates with a term of 48 months provide a Dividend Rate of 3.59% – Compounded Annual Percentage Yield of 3.65% APY on balances between $1,000 and $74,999.99. Jumbo Share Certificates with a term of 48 months provide a Dividend Rate of 3.64% – Compounded Annual Percentage Yield of 3.70% APY on balances $75,000 or greater. IRA Certificates with a term of 48 months provide a Dividend Rate of 3.59% – Compounded Annual Percentage Yield of 3.65% APY on balances between $1,000 and $74,999.99. Jumbo IRA Certificates with a term of 48 months provide a Dividend Rate of 3.64% – Compounded Annual Percentage Yield of 3.70% APY on balances $75,000 or greater.

60 months

Regular Share Certificates with a term of 60 months provide a Dividend Rate of 3.59% – Compounded Annual Percentage Yield of 3.65% APY on balances between $1,000 and $74,999.99. Jumbo Share Certificates with a term of 60 months provide a Dividend Rate of 3.64% – Compounded Annual Percentage Yield of 3.70% APY on balances $75,000 or greater. IRA Certificates with a term of 60 months provide a Dividend Rate of 3.59% – Compounded Annual Percentage Yield of 3.65% APY on balances between $1,000 and $74,999.99. Jumbo IRA Certificates with a term of 60 months provide a Dividend Rate of 3.64% – Compounded Annual Percentage Yield of 3.70% APY on balances $75,000 or greater.

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