Alliant Credit Union

Alliant CU - I'd Recommend It To Anyone
- ichaelm - Monday, December 13, 2010 - 5:22 PM

This CU is so highly regarded here at depositaccounts and at FW that it hardly needs a review (which makes me wonder why I'm writing one, lol) I've had savings and checking accounts with them for about three and a half years. When I was doing the 0% BT game I had several hundred thousand dollars on deposit with them. I've never once had a problem. They always answer my emails the same day - often within an hour! As BankingGuy's weekly rate summaries show, their deposit account rates are always near the top of the list. They provide your credit score for free, and update it every 3 months. Your first order of checks is free. ACH transfers, both push and pull, are free. If you schedule a transfer before noon Central Time, the money will be in the requested account by the following day. There were 2 instances that they charged me fees for reversed transactions that weren't my fault. Both times I emailed them about it and both times they waived the fees immediately, no questions asked. They're big on education - an easy way to qualify for membership is to belong to your local or the national PTA. Every year they award scholarships to undergraduate college students who have accounts with them and computer certificates to children and highschoolers that are Alliant customers. Alliant CU is the former United Airlines Employees CU, which is why over half of their branches are located at airports. They have >80,000 surcharge-free ATM's and you can call them about your account 24/7. I've never seen them run a bonus offer for opening a new account, but with all the positive word of mouth advertising that they receive, they probably don't see any need to. The only reason that I'm giving them five stars is that I can't give them six!

Alliant Credit Union Saving And High Interest Checking Account
- outtempster - Wednesday, June 16, 2010 - 1:40 PM

If you are looking for a good rate saving account so that you can freely take money out or deposit in, Alliant Credit Union is one of the best choices. the interest rate is 1.50% APY.

Or,  if you can set up a direct deposit, or reoccurance of monthly transfer from another bank/credit Union, you can get the high interest rate checking account with the same interest rate 1.50% APY, which is even better, as you are not limited to 6 withdraws as the saving account is.

Alliant Credit Union has kept their interest rate competitive over the years. Even though the interest rate dropped a lot compare to 2007 or 2008, it's still very competitive among all the banks and credit unions.

Best Service Good Rates
- depacctsfan - Thursday, February 9, 2012 - 1:22 PM

I moved my IRA to Alliant and opened other 5 yr. cds. I use the ACH feature as my hub--usually transfers funds overnight as long as the request is there before noon CST. Checking pays almost same interest as savings as long as statements are electronic and there is 1 ACH deposit in cycle. Free atm use at the COOP network.  One thing I can't stand--the non-stop loud commercial announcements if I'm on hold. Fortunately don't have to call them often. Excellent web site with edeposit.

Alliant CU - Review & Comments
- emdtech - Wednesday, January 4, 2012 - 7:25 PM

Alliant CU is our primary CU for everyone in our family. Alliant’s IRA department personnel have been very helpful with setting up accounts and handling transfers from other institutions.

I would highly recommend this Credit Union to everyone. We have been with Alliant since Feb 2009 and have checking, savings, CD's, Traditional & Roth CD IRA's and Education IRA's accounts.

Wow! New Member But Impressed!
- 99CUGuy - Tuesday, November 20, 2012 - 2:05 AM

I just signed up tonight online (I live out of state). I had a question while applying, and even though it's the middle of the night, they have 24/7 telephone support right here in the US (not some call center in India somewhere). THe fees (or lack of fees) is impressive. Free ATM usage, even at non-member ATMs (free at least on Alliant's end).  Free checking accounts if you want. On the CO-OP ATM network (among others), so you can easily find deposit-taking ATMs near you if you're not local to them. And though it's not advertised, as of this writing (Nov 2012), when I created my account and was ready to fund the $5 needed (to open a Share 00 savings), Alliant even supplied the $5 free to new member, so I didn't even have to fund it tonight! One of the reasons I'm joining is that I want to open up an HSA. Not only are their HSAs completely fee-free (free unlimited HSA checks, free debit card, no HSA transaction fees of any kind), but they're paying interest: 1.25% (just about the best you can do anywhere without a monthly fee). Not only that, but EVERYTHING is laid out right there for you to download. PDF forms for this, for that, for whatever you need. No need to try to find them buried in the site somewhere. And joining has been a breeze. Everything laid out nice and neat. To join takes just a $10 contribution to a VERY good cause -- a foster home organization. And at least as of now, Alliant will even give you free the mandatory $5 you have to have in your "00" share account.

I'm someone who has a wonderful local credit union that I use for my everyday banking, but they don't do HSAs, so I did a lot of research, and found Alliant. They're as good, if not better, than my local CU, and who knows, in time I might switch most of my everyday banking to them. What I've seen so far has been impressive. The best way I can put it is, if *I* was suddenly the head of a credit union somewhere, this is the way I'd want to run it. Again, I've just signed up with them, but from what I've seen so far (from the great 24hr service to so many things being free without fees, to the fantastic, easy online presense they have making things so easy!) that I just had to come here and leave an initial review.

Folks, check this place out. It's impressive. You might just find yourself leaving your current bank and making that your new home. I can see by the other reviews here that others are just as impressed.

A Great All-Rounder For Everyday Banking
- codebank - Tuesday, May 21, 2013 - 1:11 PM

I've had Alliant as my main checking and ACH hub for 2 years now. Opened an account because of the free HSA account, but soon trf'd all my transactions over to them.

1) Mobile check deposit - I actually get a handwritten paper paycheck (I'm the last person in America to get a handwritten paycheck)! Alliant makes funds available immediately upon submitting the deposit from my phone! Can't believe it!

2) I can set up umpteen ACH transactions, recurring or one-time. And I have 10 accounts linked. Never a problem. No costs.

3) Not that I ever use them, but they even sent a box of paper checks - free.

4) Secure message requests are resolved within minutes to at most a couple hours. Great customer service.

And I basically make the same amount of interest on my liquid checking as on savings (it's not much, but it's something!)

Plan to stay with this bank/credit union for the foreseeable future.

Now This Is What A CU Should Be Like! 5 Star!
- sfbayman - Thursday, December 13, 2012 - 6:19 PM

Great CU, the CEO values its members and the staff is helpful and kind.  Not to mention great rates, mobile banking, easy loan process with docusign and online tools, great savings rates, fair fees, tons of free ATYM's (over 70,000) and 24 hour live member service via phone that is quick and friendly.  Oh and they have mobile deposit and a nice online banking interface too!