1. 12-Month Certificate Suze Orman 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.
Eligible members qualify for a promotional elevated Annual Percentage Yield (APY) Rate of 4.45% APY on 12-month Regular Share Certificate and 4.50% APY on 12-month Jumbo Share Certificate products through this promotion and must meet the following requirements:
• Open a new Alliant Credit Union 12-month Regular Share Certificate or 12-month Jumbo Share Certificate between October 1, 2026, and October 31, 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 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.
The new Alliant Credit Union 12-month Regular Share Certificate(s) and 12-month Jumbo Share Certificate(s) must be opened by 11:59 p.m. CT on October 31, 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 Regular Share Certificates or 12-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. 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 must contact Alliant Credit Union by phone at 800-328-1935 after opening their 12-month Regular Share Certificate(s) and 12-month 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.
12-Month Certificate Suze Orman Promotion Terms and Conditions (PDF)
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 Information. The fixed introductory rate offer is available on new applications received from 3/16/2026 through 12/31/2026. The introductory rate is fixed during the introductory period. No member or other discounts are available during the fixed rate introductory period.
4. Interest-only Home Equity Line of Credit. Home equity products are available in the following states: 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. The minimum loan amount is $10,000. The minimum loan amount is $25,001 in WI and Washington, D.C. Offer subject to credit approval, which includes verification of application information and receipt of collateral documents. Rates and closing costs are subject to credit qualifications. Maximum loan to value of up to 85% depending on state in which the property is located and credit worthiness. The following states are limited to a maximum of 80% CLTV: AZ, CA, CO, FL, GA, IN, MI, MO, NC, NV, TN, UT. Initial rate is based on loan amount, loan to value and credit history. We may not extend credit to you if you do not meet Alliant criteria. The Annual Percentage Rate (APR) is a variable rate. Your qualifying rate may adjust monthly and is based on the highest Prime Rate as published in The Wall Street Journal as of the date of any rate adjustment plus or minus a margin. The APR range is from {{heloc-rate-low}}% to 16.00%. Loans without automatic payment selection from an Alliant Credit Union account are subject to an increase in rate and margin of 0.25%. No closing costs (excluding applicant ordered appraisals and notary fees) based on Interest-only Home Equity Line of Credit (HELOC) loans up to $250,000 and meeting Alliant criteria. A fee of up to $1,000 is applied to Interest-only HELOC loans more than $250,000. Minimum payment will not repay principal, which will result in a higher principal and interest payment at the end of the 10-year draw period. Costs to satisfy certain prior liens may be assessed. The Annual Fee of $50 will be waived the first year but will be assessed in subsequent years. You will incur the annual fee even if you don't have a balance. Property insurance is required. Flood insurance may be required. We will require a full appraisal, at applicant's expense, in the event your property is in a FEMA-deemed natural disaster area. If the state and/or county in which the collateral is located charges additional fees and taxes, the borrower will be responsible for payment. A $200 termination fee may be applied to an Interest-only HELOC cancelled or closed by the borrower within 36 months of origination. Refinancing of Alliant home equity products available; $250 fee on loans that do not increase the credit limit by $10,000 or more. Rates, terms, and conditions subject to change. Other restrictions may apply. Interest-only HELOC loans available on 1-to-2-unit owner-occupied dwellings. Please consult with an Alliant Loan Consultant at 800-328-1935 ext. 2570 for more information on an Alliant Interest-only Home Equity Line of Credit.
