Looking for The Ultimate Opportunity to grow your money faster?

HERE IT IS!

Ladder up now with 6-, 12-

and 18-month certificates

3-month certificates available too!

The choice is yours

Term

APY(%)¹

6-month certificate

4.75%

12-month certificate

5.40%

18-month certificate

5.00%

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

Act now! These rates aren't guaranteed to last, so take advantage of this opportunity while it's here!

High certificate rates without the wait

Fast maturity dates

Guaranteed growth

Low minimum opening deposit

Lock in a high rate with maturity dates of only 6, 12 or 18 months. Earn more, faster!

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

The rate you see is the rate you get, guaranteed (if funds are held through complete term period)!

"Alliant’s 6-, 12- and 18-month certificates are your Ultimate Opportunity to grow your money faster. Act now to lock in a high rate, this is a no-brainer!"

– Suze Orman

Why Suze loves Alliant

Alliant is one of the largest credit unions in the U.S., with more than 85 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.

2024 Best Credit Union

Best Credit Union

CNBC

Nerdwallet

BankRate

Newsweek

Best Overall Credit Union

2024 Best Credit Union

Frequently Asked Questions

I am interested in becoming a new member but the application asked about eligibility – what do I select?

The easiest way to join is by becoming an Alliant Credit Union Foundation digital inclusion advocate. Alliant Credit Union will even make the one-time $5 contribution to the Foundation on your behalf! View the full list of ways you can be eligible for membership here.

I am a member but do not have a login. What should I do?

You will need to create a login to open a certificate. If you opened your account over 30 days ago, you will need your membership number (10 digits), which was mailed with the welcome letter you received shortly after becoming a member.

I am currently an existing member - how to do I open a certificate once I login?

Navigate to “Products” (located at the bottom of your screen) and select “Open an Account,” then select “Certificate”

Can I open a 6-, 12- or 18-month certificate in my Alliant IRA?

Yes, you can! Before opening an IRA certificate, an IRA savings account must be opened first.

IRA savings accounts cannot be opened by calling Alliant, but can be opened in Online Banking. Once you login, go to Products › Open an Account › Open IRA. Your IRA savings account must be the same type of IRA (Traditional, Roth, SEP) as the type of IRA certificate you’d like to open.

Ensure that you have a minimum balance of $1,000 or the amount you would like to open the IRA certificate for. The IRA certificate funds will come from the IRA savings available balance. If you are using one of the rollover or transfer forms available on the funding step in Online Banking, you must mail the check and the rollover or transfer forms to Alliant. Contact us via secure message within online banking to request instructions on sending in forms via secure email..

Once you have opened your IRA savings account and have available funds, call Alliant at 800-328-1935 to open your IRA certificate.

When will dividends post to certificates?

Dividends will post to the certificate monthly, on the last day of the month and at maturity. Dividends earned on your certificate will appear on your monthly statement.

1. APY= Annual Percentage Yield. The APY is accurate as of the 2/22/2024 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 4.65% – Compounded Annual Percentage Yield of 4.75% 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 4.65% – Compounded Annual Percentage Yield of 4.75% APY on balances $75,000 or greater. IRA Certificates with a term between 6 and 11 months provide a Dividend Rate of 4.65% – Compounded Annual Percentage Yield of 4.75% 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 4.65% – Compounded Annual Percentage Yield of 4.75% 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 5.27% – Compounded Annual Percentage Yield of 5.40% 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 5.32% – Compounded Annual Percentage Yield of 5.45% APY on balances $75,000 or greater. IRA Certificates with a term between 12 and 17 months provide a Dividend Rate of 5.27% – Compounded Annual Percentage Yield of 5.40% 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 5.32% – Compounded Annual Percentage Yield of 5.45% 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 4.89% – Compounded Annual Percentage Yield of 5.00% APY on balances between $1,000 and $74,999.99. Jumbo Share Certificates with a term between 18 and 23 months provide a Dividend Rate of 4.94% – Compounded Annual Percentage Yield of 5.05% APY on balances $75,000 or greater. IRA Certificates with a term between 18 and 23 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 18 and 23 months provide a Dividend Rate of 4.89% – Compounded Annual Percentage Yield of 5.05% APY on balances $75,000 or greater.

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