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Alliant Credit Union

Popular Accounts at this Credit Union

APYACCOUNT TYPEACCOUNT NAME
1.00%SavingsSavings
0.65%CheckingHigh-Rate Checking
1.15%1-year CD12 - 17 Month Share CD

Overview / Commentary
773-462-2000
11545 W Touhy Ave
Chicago, IL 60666

Alliant Credit Union is an Illinois-based financial cooperative that offers personal banking products and loans to a wide membership consisting of hundreds of thousands of members. The credit union offers depository banking products, retirement and investing services, and various types of mortgage and personal loans.

In the way of depository banking products, Alliant offers checking, savings, Certificate (CD), and IRA accounts. The free checking account option has no monthly service fee, no minimum balance requirement, no check writing fees, and comes with a free Visa debit card and free checks. The teen checking account similar to the free checking but comes with optional parental and spending controls for joint owners to use to provide account management help. Savings account options feature competitive dividend rates, and a children’s savings account provides a way for parents to help their kids under age 12 to start saving early. Both health and education savings accounts are also available and provide tax incentives to save for medical expenses and educational costs, respectively. Certificates (CDs) and IRA accounts are offered in term lengths ranging from 12 to 60 months and come with fixed dividend rates.

On the lending side, the credit union offers student, mortgage, home equity, vehicle, and various personal loans to provide financial assistance to members for various needs.

Alliant Credit Union online banking provides personal financial management capabilities for members to digitally perform tasks like transferring money, paying bills, electronically depositing checks, creating account alerts, and integrating account transactions into financial management software for budgeting and planning purposes. Mobile banking is also available through smartphone apps that are capable of mobile deposit as well as all of the aforementioned online banking functions.

Alliant Credit Union was originally established in 1935 by a group of United Airlines employees, who named it United Airlines Employees’ Credit Union. It opened its field of membership up to organizations outside of the airline in 2003, and has expanded its criteria considerably since then. The credit union is headquartered in Chicago, Illinois, and operates branch locations all across the United States.

Field of Membership Restrictions

Membership in Alliant Credit Union is open to anyone through membership in Foster Care to Success ($10 donation). Membership is also open to those who live or work in Niles, Northlake, Norridge, Park Ridge, River Grove, Prospect Heights, Rolling Meadows, Rosemont, Wood Dale, or Schiller Park, Illinois and to employees and members of select organizations.
See current membership details

Related Posts

Alliant Credit Union Starts Same-Day Incoming ACH - 9/27/2016

I just got a message from Alliant Credit Union that as of today they are starting same-day post for incoming ACH funds if the ACH was originated from the other financial institution, as long as you meet the deadline. And I have to think that means you have to set it up as a same-day transfer from the other institution -- and I expect they will all be charging something for that, but we will see. The ACH funds must have been received by Alliant no later than 1:45 p.m. CT. So, even if you initiate a ACH from another institution at 9 a.m., if they don't send it until 3 p.m., Alliant won't deposit it that day even though they have it long before closing time and even though you initiated it long before their deadline. And even though you might have paid the other institution a fee to get it there same day, but now it won't be deposited anyway! I wonder if very many institutions will actually toe the line to Alliant's deadline. I think the regulators should establish some requirements ab

Alliant Drops 5-Year CD Rate - 7/17/2016

Looks to me like Alliant CU has also dropped 5-year CD rates in the last few days.  It's now 1.85% APY for $25k-plus, 1.80% APY for less than $25k. 

Alliant CU Raises Savings Rate .05% - 4/8/2016

I just noticed that Alliant Credit Union has raised its savings rate by .05% APY, to 1.0% APY. Must have happened on the first of the month. I don't now what the other rates were, so can't tell if any others have been hiked.

View all posts from:

9/24/13 - Alliant Credit Union Checking Account Bonus and Updated Checking Review
8/13/13 - National Education Program Computer Gift Card Award
6/6/13 - Alliant FCU Cuts HSA Rates Again -- To Same Level As Normal Savings Rates
4/4/13 - Alliant CU Scheduled Outage Saturday 4-6-13
2/20/13 - Alliant CU Money Transfer Is Down
2/1/13 - Rate Cuts: Alliant Credit Union's Savings And Checking Accounts
12/27/12 - Replacing Savings Accounts with an Interest Checking Account
5/23/12 - Alliant Credit Union Rate Cuts Scheduled For June 2012
5/23/12 - Money Market Rate Leaders with Some History
4/19/12 - Credit Unions That Offer Top Rates on Health Savings Accounts
4/2/12 - Rates Fall But Are Still Competitive at Alliant Credit Union
2/25/12 - Alliant Credit Union New Deposits And Payments Address
2/8/12 - Alliant Credit Union Rates Missing From CD Rates List
1/17/12 - Alliant CD Rate Drop
1/1/12 - Alliant CU Drops Savings Rate From 1.15% To 1.0%
11/29/11 - Top Savings & Checking Account Rates Continue at Alliant Credit Union
11/17/11 - Alliant Credit Union Cuts CD Rates By 20 BPS
11/1/11 - Does Alliant Credit Union Waive The Overdraft Fee For The First Time Each Year?
10/27/11 - Update on Alliant Credit Union - Top Rates Continue
9/24/11 - Alliant Credit Union's Savings Account Rate Holding For October 2011
8/22/11 - Alliant Credit Union's Savings Account Rates Holding For September 2011
7/26/11 - Alliant Credit Union Savings Account Rates Holding For August 2011
5/20/11 - Higher Long-Term CD Rate at Alliant Credit Union - Available Nationwide
2/17/11 - Alliant Credit Union's New Branches In TX, AZ & NJ
2/16/11 - Best Internet Checking Accounts That Offer Paper Checks
1/25/11 - Alliant CU Downtime 1/28-1/31, May Impact Debit Card Transactions
1/25/11 - Update on Alliant Credit Union's Savings and Checking Accounts
12/28/10 - Alliant Credit Union Cuts CD Rates By 20 Basis Points
12/17/10 - Alliant Savings Account Yield To Fall To 1.15% In January
12/17/10 - Alliant Credit Union's Savings and Checking Rate Scheduled to Drop in January
12/14/10 - Any Online Credit Union Suggestions Open To Anyone To Qualify For Sprint Discount
11/22/10 - Rates Remain The Same
10/25/10 - Alliant CU Checking And Savings Account Rate Will Remain 1.35% In November
10/20/10 - CD Rates Fall But Still Competitive at Alliant Credit Union
10/15/10 - Update on My Short List of Top Online Savings Accounts
10/1/10 - Best Place for Your Savings? Reward Checking, Savings Accounts or CDs?
9/22/10 - Internet Checking Accounts with the Best Interest Rates
9/9/10 - Comparing Alliant Credit Union's CDs with Ally Bank's 5-Year CD
8/27/10 - Internet Savings Accounts - Is Rate Chasing Still Worthwhile?
8/26/10 - Alliant Credit Union Cuts CD Rates
8/23/10 - Alliant Credit Union To Cut Savings And Checking Yield To 1.35% In September
7/22/10 - Five Best Regular Interest Checking Accounts Available Nationwide
7/21/10 - Alliant CU Checking And Savings Accounts Rates Will Remain 1.5% In August
7/19/10 - Alliant CU Credit Inquiry And Displayed Credit Score
6/30/10 - Watch Out For This BAD Practice By Alliant Credit Union
6/21/10 - Alliant Credit Union's Savings & Checking Rates For July
6/9/10 - Alliant Credit Union's Competitive CD Rates - Available Nationwide
5/26/10 - Alliant Credit Union's $50 High Rate Checking Bonus
5/25/10 - Alliant Credit Union's Savings & Checking Rates for June
4/25/10 - Alliant Credit Union Savings and Checking Account Rates for May
4/15/10 - Alliant Credit Union Is Improving Its ACH Transfer Service
4/1/10 - It's Official: Alliant Savings and Checking Yield Is Now 1.50%
3/25/10 - New Alliant Credit Union CD Rates - One Bit of Good News
3/23/10 - Alliant Credit Union Reducing Savings Account Yield to 1.50%
3/23/10 - Alliant Credit Union Makes It Easier To Join
3/21/10 - I Was Right Down To The "I Authorize" Button When The Hard Pull Question Entered My Head
3/11/10 - Check Out Bank Tracker Link
3/6/10 - Was Searching For Good Rates And Alliant Credit Union (Chicago) Does Have Excellent Rates
3/1/10 - PenFed, Alliant & Melrose Continue Top CD Rates into March
2/25/10 - The Best Savings Account with a History of Top Rates
2/23/10 - Alliant Credit Union Will Keep Its Savings Rate At 2
2/22/10 - Alliant Credit Union's Savings Account Yield to Remain 2.00% for March
1/24/10 - 2.00% Savings Account to Continue in February at Alliant Credit Union
12/22/09 - Update on My Short List of Top Savings Accounts
11/25/09 - Alliant Credit Union's Savings Account Rate to Remain 2% Through December
9/24/09 - Alliant Credit Union Increases CD Rates, Holds Savings Account Rate Steady - Available Nationwide
8/25/09 - Update on Alliant Credit Union's Savings Account and Checking Account
8/2/09 - Short List of the Top Online Savings Accounts
4/2/09 - Update on Alliant Credit Union's Checking, Savings and CDs
3/15/09 - Health Savings Account Overview and Finding the Best HSA
2/8/09 - 3.40% 12-Month CD & 4.25% 48-Month CD at Alliant Credit Union - Easy Membership
1/12/09 - 4.50% 48-Month CD & 4.25% 36-Month CD at Alliant Credit Union - Nationally Available
1/6/09 - Alliant Credit Union's Free High Rate Checking Account & Updates on its Savings Account, HSA and CDs
11/24/08 - Update on Alliant Credit Union's Savings Account and CDs
7/1/08 - It's Official - Alliant Credit Union Cuts Savings Account Rate to 3.75%
6/4/08 - Update on Alliant Credit Union Rates
5/1/08 - New Alliant Credit Union Savings Account and CD Rates - Down But Still Very Competitive
4/1/08 - Update on Alliant Credit Union - Competitive Savings Account and CD Rates
1/30/08 - Competitive CD and Savings Account Rates Still at Alliant Credit Union
1/17/08 - Update on Alliant Credit Union and Their Field of Membership
1/16/08 - Update on Alliant Credit Union and its 5.40% CDs
1/5/08 - 5.40% 24-Month / 5.40% 12-Month CD at an Illinois CU - easy membership (Alliant).
12/3/07 - 5.15% 24-Month / 5.15% 12-Month CD at an Illinois CU - easy membership (Alliant).
9/24/07 - 5.30% 24-Month / 5.30% 12-Month CD at an Illinois CU - easy membership (Alliant)

best bank ever!

Posted by: PaulWall2 | Jun 9, 2016

Wow! What can I say bad about Alliant? From the speedy service, to the lack of fees, to the helpful customer service, I would strongly recommend this credit union to anyone!

Good for a credit union

Posted by: mickella | 7 hours ago

I've been a member of Alliant CU for about 20 years. It has greatly improved over the last several years with their mobile app. They allow taking a photo of checks with your smart phone to make a deposit. (Note: I have only used the iPhone app). I can reach a manager quickly if needed. I once had a series of debit card overdraft fees assessed on the same day before a deposit posted in the evening. The manager credited the fees back without hesitation and didn't lecture me as has happened before at big banks "... of America". The fees for overdrafts (connected with your savings account) are very reasonable; I think $3.00 last I remember. They are not a bank so I don't expect them to lead with cutting edge technology. But they have everything I need since I never need to go to a branch. They also have a nice free credit score report and online budgeting tools. The rates are low for loans and pay interest on every dollar in your checking and savings- even if you paid a fee. I will consider them first when it's time for me to refinance my home mortgage. (Banks penalize you at every turn). Best thing: the app, low fees. Worst thing: few branches (no problem for me). Needs improvement: app sometimes doesn't recognize checks immediately but needs "review". But that is still much faster and more convenient than having to drive to a branch. Overall, I like them much better than a bank and plan to stay with them indefinitely.

Great Bank

I have been a customer of Alliant Credit Union for 10 years now. I have a savings account and an HSA through them. They are great to work with. When I call customer service for an inquiry of my HSA balance they offer to give a status of my other accounts as well while on the phone. Alliant's rates are competitive and I like their ATM fee rebates. My only complaint is that after all this time, they have never offered additional services to me such as credit card offers or auto loans.

Very Good, Helped Me Out In a Pinch

A short time after opening my checking account with Alliant, I ran into a situation where my car broke down on a road trip. The repair shop that was closest did not take credit cards so I was stuck trying to figure out how to put enough cash together to pay for the repairs. I went to a nearby ATM machine with my Alliant checking account debit card only to discover that I could not withdraw enough cash to cover the repair expense due to a limit placed on my card. I called Alliant's toll-free number and spoke with a very helpful gentleman who explained that the limit was placed on their cards to reduce fraud exposure in the event my card was lost or stolen. He also explained that he could adjust the limit and asked how much I needed to withdraw to cover the expense. Finally, he asked if I needed to keep the higher limit or if he should lower it back to the original amount after I made my withdrawal (again to protect against fraud). This gentleman was very helpful and made sure I understood why the limits were placed, providing a level of service I have never experienced with a bank. This experience is the main reason why my primary checking account is with Alliant and they can claim me as a satisfied and devoted member. Oh, and by the way, I was able to withdraw the money I needed from the ATM to get my car repaired and we got back on the road without any further eventualities.

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Health
A+

Health Grade Components

Overall
NCUA #67955
Year Chartered1935
Employees423
Primary Regulator
Profit Margin
Return on Assets - YTD0.68%
Return on Equity - YTD5.98%
Annual Interest Income$120.6MM
Assets and Liabilities
AssetsQ2 2016vs Q2 2015$9.14B$8.37B
LoansQ2 2016vs Q2 2015$5.63B$5.10B
DepositsQ2 2016vs Q2 2015$7.73B$6.95B
Equity CapitalQ2 2016vs Q2 2015$1.02B$951.3MM
Loan Loss AllowanceQ2 2016vs Q2 2015$33.3MM$30.3MM
Unbacked Noncurrent LoansQ2 2016vs Q2 2015$29.6MM$25.6MM
Real Estate OwnedQ2 2016vs Q2 2015$2.0MM$3.8MM
  User-submitted Promotions & Notices

This section lists recent deals, promotions and rate changes submitted by our community within the past 90 days. Always verify official rates and promotions with the bank or credit union.

Alliant Credit Union Starts Same-Day Incoming ACH

me1004   |  
I just got a message from Alliant Credit Union that as of today they are starting same-day post for incoming ACH funds if the ACH was originated from the other financial institution, as long as you meet the deadline. And I have to think that means you have to set it up as a same-day transfer from the other institution -- and I expect they will all be charging something for that, but we will see.

The ACH funds must have been received by Alliant no later than 1:45 p.m. CT. So, even if you initiate a ACH from another institution at 9 a.m., if they don't send it until 3 p.m., Alliant won't deposit it that day even though they have it long before closing time and even though you initiated it long before their deadline. And even though you might have paid the other institution a fee to get it there same day, but now it won't be deposited anyway! I wonder if very many institutions will actually toe the line to Alliant's deadline.

I think the regulators should establish some requirements about that. I see a real issue with Alliant setting such an early deadline -- that will serve to undermine what you paid the other institution for! And if you really need that money today, you won't have it, Alliant will take a day float for free instead! Alliant played games before with ACH deadlines, claiming it was speeding it when in reality it was slowing it, and to this day, many people think it is faster.

Alliant says it will not begin same-day ACH for outgoing funds until the end of 2017.

The notice:

Dear Member,

You’ve already used Alliant’s ACH funds transfer service, so you know that Alliant has always made your money available to you faster than most other financial institutions.is faster.  Beginning today, we now offer same-day funds availability for incoming ACH transfers that have been initiated from your other financial institution.

With same-day ACH, all incoming ACH transfers received from your outside financial institution by 1:45pm CT will post by 5:00pm the same day to your Alliant account.  

Alliant does not charge a fee for this type of transaction; however, your other financial institution may charge you a fee for the added service level. To learn more, consult the Transfers section of our online banking FAQs at https://www.alliantcreditunion.co...x#transfer or call us at 800-328-1935.  

Thank you, Alliant Credit Union

P.S. Same-day outbound ACH transactions are not yet available, but we have plans to introduce these in late 2017. In the meantime, Alliant still offers super-fast ACH service!

Alliant Drops 5-Year CD Rate

ChasR   |  
Looks to me like Alliant CU has also dropped 5-year CD rates in the last few days.  It's now 1.85% APY for $25k-plus, 1.80% APY for less than $25k. 

Rates
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Alliant Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.00%--Savings
1.00%--Coverdell ESA Savings
1.00%--IRA Savings
1.00%--Roth IRA Savings
1.00%--SEP IRA Savings
0.65%--Health Savings Account
0.25%--Mortgage Share

Alliant Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.65%--High-Rate Checking

Alliant Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.85%$25k-60 Month Jumbo Share CD
1.80%$1k$25k60 Month Share CD
1.70%$25k-48 Month Jumbo Share CD
1.65%$1k$25k48 Month Share CD
1.55%$25k-36 - 47 Month Jumbo Share CD
1.50%$1k$25k36 - 47 Month Share CD
1.35%$25k-24 - 35 Month Jumbo Share CD
1.30%$1k$25k24 - 35 Month Share CD
1.25%$25k-18 - 23 Month Jumbo Share CD
1.20%$1k$25k18 - 23 Month Share CD
1.20%$25k-12 - 17 Month Jumbo Share CD
1.15%$1k$25k12 - 17 Month Share CD

Alliant Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.85%$25k-60 Month Jumbo CESA
1.85%$25k-60 Month Jumbo Roth IRA
1.85%$25k-60 Month Jumbo SEP IRA
1.85%$25k-60 Month Jumbo Traditional IRA
1.80%$1k$25k60 Month Traditional IRA
1.80%$1k$25k60 Month Roth IRA
1.80%$1k$25k60 Month SEP IRA
1.80%$1k$25k60 Month CESA
1.70%$25k-48 Month Jumbo CESA
1.70%$25k-48 Month Jumbo Roth IRA
1.70%$25k-48 Month Jumbo SEP IRA
1.70%$25k-48 Month Jumbo Traditional IRA
1.65%$1k$25k48 Month Traditional IRA
1.65%$1k$25k48 Month Roth IRA
1.65%$1k$25k48 Month SEP IRA
1.65%$1k$25k48 Month CESA
1.55%$25k-36 - 47 Month Jumbo CESA
1.55%$25k-36 - 47 Month Jumbo Roth IRA
1.55%$25k-36 - 47 Month Jumbo SEP IRA
1.55%$25k-36 - 47 Month Jumbo Traditional IRA
1.50%$1k$25k36 - 47 Month Traditional IRA
1.50%$1k$25k36 - 47 Month Roth IRA
1.50%$1k$25k36 - 47 Month SEP IRA
1.50%$1k$25k36 - 47 Month CESA
1.35%$25k-24 - 35 Month Jumbo CESA
1.35%$25k-24 - 35 Month Jumbo Roth IRA
1.35%$25k-24 - 35 Month Jumbo SEP IRA
1.35%$25k-24 - 35 Month Jumbo Traditional IRA
1.30%$1k$25k24 - 35 Month Traditional IRA
1.30%$1k$25k24 - 35 Month Roth IRA
1.30%$1k$25k24 - 35 Month SEP IRA
1.30%$1k$25k24 - 35 Month CESA
1.25%$25k-18 - 23 Month Jumbo CESA
1.25%$25k-18 - 23 Month Jumbo Roth IRA
1.25%$25k-18 - 23 Month Jumbo SEP IRA
1.25%$25k-18 - 23 Month Jumbo Traditional IRA
1.20%$1k$25k18 - 23 Month Traditional IRA
1.20%$1k$25k18 - 23 Month Roth IRA
1.20%$1k$25k18 - 23 Month SEP IRA
1.20%$1k$25k18 - 23 Month CESA
1.20%$25k-12 - 17 Month Jumbo CESA
1.20%$25k-12 - 17 Month Jumbo Roth IRA
1.20%$25k-12 - 17 Month Jumbo SEP IRA
1.20%$25k-12 - 17 Month Jumbo Traditional IRA
1.15%$1k$25k12 - 17 Month Traditional IRA
1.15%$1k$25k12 - 17 Month Roth IRA
1.15%$1k$25k12 - 17 Month SEP IRA
1.15%$1k$25k12 - 17 Month CESA
Locations

Alliant Credit Union has 12 locations. Click to view all Alliant Credit Union locations.