1. Suze Orman November 2026 Certificate Promotion Terms and Conditions
For the avoidance of doubt, only current Alliant Credit Union members identified within the selected audience opening a certificate through MyAlliant.com and new Alliant Credit Union members joining through MyAlliant.com are eligible for this promotion. Offer is non-transferable.
Through this promotion, eligible members qualify for an elevated Annual Percentage Yield (APY). New 12-month Regular Share Certificates will receive a 4.45% APY and new 12-month Jumbo Share Certificates will receive a 4.50% APY. New 36-month or 60-month Regular Share Certificates will receive a 5.00% APY and new 36-month or 60-month Jumbo Share Certificates will receive a 5.05% APY. To qualify for the promotion, the following requirements must be met:
• Open a new Alliant Credit Union 12-month, 36-month, or 60-month Regular Share Certificate, or a 12-month, 36-month, or 60-month Jumbo Share Certificate between October 30, 2026, and November 30, 2026.
• A $1,000.00 minimum deposit is required to open a Regular Alliant Share Certificate and/or a $75,000 minimum deposit is required to open an Alliant Jumbo Share Certificate.
You are not locked into the promotional APY rate until you open your Alliant Certificate. 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 apply if the Certificate is closed before the maturity date unless the Certificate funds are moved to Alliant Retirement and Investment Services. Any monthly withdrawals or transfers reduce earnings. Fees may reduce earnings on the account. If you open an Alliant 12-month, 36-month, or 60-month Jumbo Share 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 Share Certificate will convert to a Regular Alliant Share Certificate, which will pay a lower rate of 4.45% APY for the 12-month certificate or 5.00% APY for the 36-month and 60-month certificates.
The new Alliant Credit Union 12-month, 36-month, and 60-month Regular Share Certificate(s) and the 12-month, 36-month, and 60-month Jumbo Share Certificate(s) must be opened by 11:59 p.m. CT on November 30, 2026, to be eligible for the promotional APY rate. Only new 12-month Regular Share Certificate and 12- month Jumbo Share Certificate products are eligible; Certificate renewals are not eligible for the promotion. There is no limit to the number of 12-month, 36-month, or 60-month Regular Share Certificates or 12-month, 36-month, or 60-month Jumbo Share Certificates that can be opened within the promotional period. As part of the promotion, Regular Share Certificates with a term between 12 and 17 months provide a Dividend Rate of 4.36% – Compounded Annual Percentage Yield of 4.45% 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 4.41% – Compounded Annual Percentage Yield of 4.50% APY on balances $75,000 or greater. Regular Share Certificates with a term between 36 and 47 months and a term of 60 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 36 and 47 months and a term of 60 months provide a Dividend Rate of 4.94% – Compounded Annual Percentage Yield of 5.05% APY on balances $75,000 or greater. Both Regular and Jumbo Certificate types are also offered as Traditional IRA Certificates, Roth IRA Certificates, and SEP IRA Certificates. Prior to opening an IRA Certificate (Traditional, Roth and SEP), you must have or establish an IRA with Alliant. New Alliant Credit Union members joining through MyAlliant.com who wish to extend the maturity date to a term greater than 12 months but less than or equal to 17 months or greater than 36 months but less than or equal to 47 months must contact Alliant Credit Union by phone at 800-328-1935 after opening their Regular Share Certificate(s) or Jumbo Share Certificate(s).
Eligible Alliant members must be at least 18 years of age at time of certificate opening and a legal U.S. Resident or U.S. Person (including a U.S. Resident Alien) to be eligible. All Certificate openings are subject to approval. Alliant members of its Board of Directors, employees, and their family members of the same household are not eligible to participate. 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. Alliant Credit Union has the right to modify or cancel the terms of this promotion at any time.
To see additional terms and conditions and learn about important disclosures regarding Alliant Certificates, please review the Product Disclosures.
Suze Orman November 2026 Certificate Promotion Terms and Conditions
2. Alliant Credit Union and Suze Orman’s The Ultimate Opportunity Savings Account Terms and Conditions
New Alliant Credit Union members can earn a $100 bonus deposit by joining Alliant through Suze Orman’s The Ultimate Opportunity Savings Account promotion and meeting the following requirements. Offer valid for one new Alliant Credit Union savings account (“account”) opened from January 1, 2026, through December 31, 2026, and opened by applying online from this page; funded by transfers and/or deposits totaling $100 or more each month for 12 consecutive months. Existing Alliant members, customers who are a joint owner on an Alliant savings account, and former Alliant members who closed an Alliant savings account within 180 days of applying for the new account are not eligible. The first $100 must be transferred and/or deposited within 30 days of account opening, and each calendar month after the first $100 transfer/deposit, funds need to post to the account by the last day of the month. Account must remain open and in good standing, maintain an average daily minimum balance of $100, and the balance at the end of the 12-calendar-month period must be $1,200 or more in order to receive the $100 bonus deposit. Accounts will be reviewed 12 months from the date of the first transfer/deposit to determine eligibility. If all requirements have been met after 12 months, please allow 4 weeks for the $100 bonus deposit to post to your account. You will be responsible for any tax liability. Offer is not transferable and not valid for trusts, UTMAs, IRAs or other tax-exempt accounts. Limit one offer per new Alliant member. All account applications are subject to approval. You must apply for the account by 11:59 p.m. CT on December 31, 2026, to be eligible. Must be 18 or older at time of account opening and a legal U.S. Resident or U.S. Person (including a U.S. Resident Alien) to be eligible. Alliant Board of Directors, employees, and their family members of the same household are not eligible to participate. 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.
The savings dividend provides an Annual Percentage Yield (APY) of {{saving-apy}}%. The APY is accurate as of the {{div-declare-date}} 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.
Alliant Credit Union and Suze Orman’s The Ultimate Opportunity Savings Account Terms and Conditions (PDF)
3. Fixed Introductory Rate Offer Availability
The fixed introductory rate offer is available on new HELOC applications received from 03/16/2026 through 12/31/2026. The introductory rate applies for the first 6 months after origination. No member or other discounts apply during the introductory period. Promotional offers are subject to change. Alliant may discontinue Introductory Rate HELOC offers at any time without notice, regardless of the advertised offer period.
Variable Rate Information After Introductory Period
The Annual Percentage Rate (APR) is variable rate based on the Prime Rate (as published in The Wall Street Journal) plus or minus a margin, and may adjust monthly. Current APRs start as low as 7.24% and will vary based on creditworthiness, lien position, loan amount, and other factors. Your APR will never exceed 16.00% for the life of the plan, no matter how high the Prime Rate rises. This maximum is a built-in consumer protection that caps your exposure to future rate increases. Loans without automatic payment selection from an Alliant Credit Union account are subject to an increase in rate of 0.25%.
4. Home Equity Line of Credit Availability
HELOCs are available in AZ, CA, CO, CT, FL, GA, HI, IL, IN, KY, MA, MI, MN, MO, NC, NJ, NV, NY, OH, PA, TN, UT, VA, WA, WI, and Washington, D.C. Maximum CLTV is 85% for members with 90+ days of membership, lower limits may apply based on membership tenure, property location and creditworthiness. Properties in AZ, CA, CO, FL, GA, IN, MI, MO, NC, NV, TN, and UT are limited to 80% CLTV. Minimum loan amount is $10,000 ($25,001 in WI and Washington, D.C.). HELOCs are available on owner-occupied 1- to 2-unit properties and are subject to credit approval, verification of application information, and receipt of collateral documents. Rates and closing costs vary based on credit qualifications, state requirements, loan amount, CLTV, and credit history.
Costs of a Home Equity Line of Credit
No closing costs apply on HELOCs up to $250,000 that meet Alliant criteria, excluding applicant-requested appraisals, state fees and taxes, and notary fees. HELOCs over $250,000 may be charged a fee of up to $1,000. Additional costs may apply to satisfy existing liens. Borrowers are responsible for any state or local fees and taxes. Fees and taxes vary by location. Property insurance is required. Flood insurance may also be required. A full appraisal, at the applicant's expense, is required for properties located in FEMA-designated natural disaster areas.
The $50 annual fee is waived the first year and charged annually thereafter, regardless of account balance. A $200 termination fee may apply if the HELOC is closed within 36 months of origination to reimburse certain third-party costs paid on your behalf. A $250 refinance fee applies if an Alliant home equity product is refinanced without increasing the credit limit by at least $10,000. See your loan agreement for additional fee information.
Minimum payments during the draw period will not repay principal, which may result in a higher principal-and-interest payment after the 10-year draw period ends.
Subject to Credit Approval
All accounts and loans are subject to approval and Alliant lending criteria. We may be unable to approve your application if, for example, we cannot verify your income, accounts are past due or over limit, or other underwriting requirements are not met. If so, we will notify you. Responding to this offer does not guarantee approval. Rates, terms, and conditions are subject to change. Other restrictions may apply.
Use of Automated Value Models
Alliant uses Automated Value Models (AVMs) based on local real estate data to estimate your home's value. In rare cases where Alliant is not able to establish a value for your property through an AVM, an appraisal can be ordered at the applicant's expense to determine the estimated property value for lending purposes.
