|APY||ACCOUNT TYPE||ACCOUNT NAME|
1.00% - Ally Bank Online Savings Account
0.13% - National Average
|1.15%||1-year CD||12 - 17 Month Share CD|
1.05% - Ally Bank High Yield 12-Month CD
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.
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
I was looking to join a credit union as I was tired of self interests of the Big Banks. I had heard that credit unions actually look out for their members. Did a google search that brought me to nerd wallets website. They named Alliant credit union as one of the better ones-with a great rate on a savings account and a great online mobile experience. I couldn't agree more. Their savings account APR is one of the better ones out there. The online banking and app is user friendly. I also love how on my savings account I can set up to 19 sub accounts I believe. On top of that, I discovered that Alliant also provides a FREE health savings account!
Definitely one of the better ones out there. They are really easy to join too. Give them a try. You will love them!
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.
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.
Fellow bankers, beware. After receiving a letter from Alliant informing me that I was delinquent on my car payment, I discovered that someone had stolen checks (both made out to businesses) out of my mailbox and somehow cashed them. I've never been late on a payment in my life and was upset about how this might affect my credit standing. I immediately contacted Alliant and made a credit card payment over the phone...or so I was told. During this conversation I shared my situation and my concerns. The Alliant staff member, Ignacio, clearly disbelieved my story (asked several leading questions) and was annoyed when I asked him to confirm a second time that this would not affect my credit standing. He assured me it hadn't been delinquent long enough and, thus, would not go on my record. After the call, I sent another check to cover the upcoming month (not yet due) and, a few days later, went on vacation. About a week after my return, I received another letter informing me I was still delinquent on the loan. I made a second call to Alliant and spoke with Connie, who insisted they had processed the credit card payment but had never received the last check I sent. Like Ignacio, she seemed incredulous, implied I was at fault for the error and needed to do some research to take care of this issue. By now I was fairly panicked. I had mailed the last check from USPS so I couldn't understand how a second payment could have gone missing. I checked with Wells Fargo and the check had, in fact, been cashed by Alliant weeks prior--their stamp on the back of the check. Revisiting my MC statement, I noticed missing from it was the payment to Alliant. Now I was mad. Not only had Connie been unsympathetic and rude; she also hadn't bothered to do her job. Like the other associate, she made me feel like I was in error. The reality was that they failed to perform their duties, but they also compounded my grief. I called Alliant the next day, my third attempt to get this resolved. Admittedly, I was terse (but not belligerent). After being put on hold for over 5 minutes, I called back and insisted on talking to a manager. After "doing some research," the manager, Julie, informed me that due to a system error, the credit card payment had never gone through. She informed me, in a tone suggesting that she was doing me a favor, that they were willing to waive the late and credit card fees to process the payment (again). Seriously? Supposedly they processed the payment. So far it hasn't posted in the automatic system. I sent another check as well, just to be safe. Today I received a notice in the mail from Alliant, informing me that due to missed payments, my contract is in default and they can take action against me. That they weren't able to at least warn me that I would be receiving that letter just adds salt to an already painful wound. So...tomorrow I'm meeting with Desert Schools Federal Credit Union (DSFCU) to see if they'll take over my car loan. It might be a slightly higher interest rate but having banked with them for years I know I'll be in good hands. Final assessment: due to poor attitudes, laziness, and incompetence, this bank does not have what it takes to successfully service its clients. Consider this: you could be the one being threatened with repossession or foreclosure. I recommend finding a better bank.
|Return on Assets - YTD||0.68%|
|Return on Equity - YTD||5.98%|
|Annual Interest Income||$120.6MM|
|Assets and Liabilities|
|Assets||Q2 2016vs Q2 2015||$9.14B$8.37B|
|Loans||Q2 2016vs Q2 2015||$5.63B$5.10B|
|Deposits||Q2 2016vs Q2 2015||$7.73B$6.95B|
|Equity Capital||Q2 2016vs Q2 2015||$1.02B$951.3MM|
|Loan Loss Allowance||Q2 2016vs Q2 2015||$33.3MM$30.3MM|
|Unbacked Noncurrent Loans||Q2 2016vs Q2 2015||$29.6MM$25.6MM|
|Real Estate Owned||Q2 2016vs Q2 2015||$2.0MM$3.8MM|
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.
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!
Always verify rates and promotions with the bank or credit union. We are not Alliant Credit Union; we are a rate comparison website and cannot provide official rates or promotions.
|APY||MIN||MAX||ACCOUNT NAME||VIEW DETAILS|
|1.00%||-||-||Coverdell ESA Savings|
|1.00%||-||-||Roth IRA Savings|
|1.00%||-||-||SEP IRA Savings|
|0.65%||-||-||Health Savings Account|
|APY||MIN||MAX||ACCOUNT NAME||VIEW DETAILS|
|APY||MIN||MAX||ACCOUNT NAME||VIEW DETAILS|
|1.85%||$25k||-||60 Month Jumbo Share CD|
|1.80%||$1k||$25k||60 Month Share CD|
|1.70%||$25k||-||48 Month Jumbo Share CD|
|1.65%||$1k||$25k||48 Month Share CD|
|1.55%||$25k||-||36 - 47 Month Jumbo Share CD|
|1.50%||$1k||$25k||36 - 47 Month Share CD|
|1.35%||$25k||-||24 - 35 Month Jumbo Share CD|
|1.30%||$1k||$25k||24 - 35 Month Share CD|
|1.25%||$25k||-||18 - 23 Month Jumbo Share CD|
|1.20%||$1k||$25k||18 - 23 Month Share CD|
|1.20%||$25k||-||12 - 17 Month Jumbo Share CD|
|1.15%||$1k||$25k||12 - 17 Month Share CD|
|APY||MIN||MAX||ACCOUNT NAME||VIEW 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||$25k||60 Month Traditional IRA|
|1.80%||$1k||$25k||60 Month Roth IRA|
|1.80%||$1k||$25k||60 Month SEP IRA|
|1.80%||$1k||$25k||60 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||$25k||48 Month Traditional IRA|
|1.65%||$1k||$25k||48 Month Roth IRA|
|1.65%||$1k||$25k||48 Month SEP IRA|
|1.65%||$1k||$25k||48 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||$25k||36 - 47 Month Traditional IRA|
|1.50%||$1k||$25k||36 - 47 Month Roth IRA|
|1.50%||$1k||$25k||36 - 47 Month SEP IRA|
|1.50%||$1k||$25k||36 - 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||$25k||24 - 35 Month Traditional IRA|
|1.30%||$1k||$25k||24 - 35 Month Roth IRA|
|1.30%||$1k||$25k||24 - 35 Month SEP IRA|
|1.30%||$1k||$25k||24 - 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||$25k||18 - 23 Month Traditional IRA|
|1.20%||$1k||$25k||18 - 23 Month Roth IRA|
|1.20%||$1k||$25k||18 - 23 Month SEP IRA|
|1.20%||$1k||$25k||18 - 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||$25k||12 - 17 Month Traditional IRA|
|1.15%||$1k||$25k||12 - 17 Month Roth IRA|
|1.15%||$1k||$25k||12 - 17 Month SEP IRA|
|1.15%||$1k||$25k||12 - 17 Month CESA|