Featured Savings Rates
Featured Accounts

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 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.

Alliant Credit Union Promotes High Interest Checking Bonus - 3/7/2016

Alliant Credit Union (easy membership) is offering a $50 bonus when opening a new High Interest Checking account. The account earns 0.65% APY on all balances, with no minimum.

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)

One of the better credit unions

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!

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.

Fellow Bankers, Beware.

Posted by: ArchChick | Aug 13, 2016

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.

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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 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.