Alliant Credit Union Review 2026
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At a glance
Overview
If you're looking for an online credit union that prioritizes solid rates and low fees, Alliant might be a good choice. It has a number of checking and savings options, including a savings account with a decent annual percentage yield (APY) and a number of certificates of deposit (CDs) that all carry solid APYs. Alliant also makes it easy for almost anyone to become a member — you won't have to jump through a bunch of hoops or meet strict requirements to join.
Highlights:
ATM Fee Refunds Free CheckingHighlights:
CDs
Checking
Savings
Customer Experience
Offers featured here have been sponsored which impacts how, where, and in what order the products appear. Not all offers are displayed on this page.
These are sponsored offers rated highly by us for competitive rates, fees, and minimums.
APY, or annual percentage yield, is the yearly return on a bank or investment account.
APY, or annual percentage yield, is the yearly return on a bank or investment account.
Bankrate Savings rating = 4.6/5
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
APY, or annual percentage yield, is the yearly return on a bank or investment account.
APY, or annual percentage yield, is the yearly return on a bank or investment account.
Bankrate Savings rating = 4.5/5
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
APY, or annual percentage yield, is the yearly return on a bank or investment account.
APY, or annual percentage yield, is the yearly return on a bank or investment account.
Offers featured here have been sponsored which impacts how, where, and in what order the products appear. Not all offers are displayed on this page.
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
APY, or annual percentage yield, is the yearly return on a bank or investment account.
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
APY, or annual percentage yield, is the yearly return on a bank or investment account.
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
APY, or annual percentage yield, is the yearly return on a bank or investment account.
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
APY, or annual percentage yield, is the yearly return on a bank or investment account.
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
APY, or annual percentage yield, is the yearly return on a bank or investment account.
Alliant Credit Union pros and cons
Pros
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Savings accounts, checking accounts and CDs offer decent yields.
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Surcharge-free access to over 80,000 ATMs and ATM fee rebates.
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Accessible membership requirements.
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Very few checking and savings fees, including no overdraft or monthly maintenance fees.
Cons
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No specialty CDs such as no-penalty CDs.
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Higher yielding checking and savings accounts are available elsewhere.
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Alliant Credit Union banking products
Alliant Credit Union High-Rate Savings account
Pros
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The high-yield savings account pays a solid APY.
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There’s no monthly fee.
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Members can open multiple accounts to track specific savings goals.
Cons
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There are higher savings APYs available at certain online banks.
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You need to have at least $100 to earn interest with the credit union’s High-Rate Savings account.
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Your account may be closed if your balance falls below $5.
Alliant Credit Union’s high-yield savings account pays a solid APY, though it doesn't quite compete with the top APYs currently available. It also has a $100 minimum balance requirement to earn, which is something you can skip with a number of online banks.
Despite the drawbacks, it is a low-free account with no monthly maintenance or nonsufficient funds fee, and comes with a savings ATM card, something not offered by every bank. Alliant also lets members open up to 19 savings accounts — called supplemental savings accounts — to save for specific goals. Members can name each account based on their goals, allowing them to track progress easily.
Alliant Credit Union certificates of deposit
Pros
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CDs have competitive yields.
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Solid range of CD terms to choose from.
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IRA CDs available.
Cons
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No specialty bump-up or no-penalty CDs.
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A $1,000 deposit for a CD is relatively standard, some banks have lower minimum opening deposit requirements.
Alliant offers a range of CD term lengths, and all of them carry solid to competitive APYs. Customers can choose from CD terms ranging from three months to five years, with enough options between to build a CD ladder.
All CDs are insured by the NCUA and require $1,000 to open, or $75,000 for a jumbo CD, which pays a slightly higher APY for certain terms. The credit union also doesn’t have a maximum amount that you can put in a CD, but lacks no-penalty and bump-up CD options.
Alliant Credit Union High-Rate Checking account
Pros
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There’s no monthly service fee or minimum balance requirement.
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Members get access to 80,000 fee-free ATMs and $20 in monthly rebates.
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Alliant Credit Union offers members a free first box of checks.
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There are no overdraft or nonsufficient funds fees.
Cons
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Some checking accounts offer a higher yield, but Alliant's is still serviceable.
Alliant’s High-Rate Checking account pays a decent yield for a checking account, requires no minimum balance and charges no service fees or overdraft fees. Customers who open this account receive a Visa debit card and their first book of checks for free.
And if you need quick access to cash, you can get it with Alliant. It offers access to over 80,000 surcharge-free ATMs and also offers rebates of up to $20 per month for out-of-network ATM use.
Customer experience
Membership. Alliant is easy to join despite its status as a credit union. If you don’t meet specific criteria listed on its website, you can become an Alliant Credit Union Foundation digital inclusion advocate to become eligible for Alliant membership. Alliant will pay the one-time $5 contribution to the Foundation on your behalf.
Digital experience. Alliant offered highly rated mobile apps for Android and iOS devices. The app allows customers to deposit checks, transfer money between accounts, pay monthly bills and track expenses with a personal financial management tool.
Customer support. You can contact Alliant by phone from 8 a.m. to 9 p.m. CT, Monday through Friday and Saturday from 10 a.m. to 3 p.m. It also offers an online chat available during the same hours.
Digital experience
The above images were last updated on August 8, 2024.
How Alliant Credit Union compares to other banks
Compare different account types offered by Alliant Credit Union. Annual percentage yields (APYs) shown were updated between Sept. 29, 2026 and Oct. 5, 2026.
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Selected bank
Alliant Credit Union savings account
Bankrate score
4.4
Bankrate Savings rating = 4.4/5 Bankrate scores are objectively determined by our editorial team. Annual percentage yields (APYs), minimum opening deposit requirements and minimum balances to avoid monthly service fees are some of the things that make up Bankrate’s score. |
Most comparable
Ally Bank savings account
Bankrate score
4.4
Bankrate Savings rating = 4.4/5 Bankrate scores are objectively determined by our editorial team. Annual percentage yields (APYs), minimum opening deposit requirements and minimum balances to avoid monthly service fees are some of the things that make up Bankrate’s score. |
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Bankrate score
Bankrate Savings rating Bankrate scores are objectively determined by our editorial team. Annual percentage yields (APYs), minimum opening deposit requirements and minimum balances to avoid monthly service fees are some of the things that make up Bankrate’s score. |
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APY
APY, or annual percentage yield, is the yearly return on a bank or investment account. APY includes the effects of compounding interest. APYs last updated between Sept. 29, 2026 and Oct. 5, 2026.
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| 3.01% | 3.10% | |
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Minimum balance for APY
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| $100.00 | $0.00 | |
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Estimated earnings
Interest earned calculation based on a $50,000 deposit amount for a period of 1 year and is rounded to the nearest dollar. Exact earnings are dependent on calendar year, balance, and compounding frequency. Minimum deposit rules may apply.
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| $1,505 | $1,550 | |
| Alliant Credit Union offers two savings accounts in addition to its CDs. In particular, its High-Rate Savings account offers a solid yield and comes with few fees. You must maintain at least $5 in the account to keep it open, and have an average daily balance of $100 to earn interest. Alliant allows you to open up to 19 “supplemental savings” accounts to save for specific goals. | Ally Bank consistently offers a strong yield on its Online Savings Account. It’s not usually the absolute highest yield, but it is competitive and there’s no minimum balance requirement and no monthly service fee. The bank offers mobile deposit but you’ll need to transfer money to your checking account or Ally’s money market account if you want to access your savings from an ATM. | |
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Review methodology
We assign a score to each type of account and its features, weigh them carefully based on importance to account holders and determine an overall score. Read our full review methodology.
