Alliant Credit Union Review 2025
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At a glance
Overview
Alliant is ideal for consumers looking for an online credit union that prioritizes competitive rates and low fees. The wide range of deposit account options makes it easy to manage all your finances under one roof. Alliant also makes it easy to become a member, providing several methods of eligibility. However, those looking for top-notch yields on checking and savings accounts should shop around.
Highlights:
24/7 Customer Service ATM Fee Refunds Low FeesHighlights:
CDs
Checking
Savings
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 CD rating = 4.9/5
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 Checking rating = 4.9/5
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 Checking rating = 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.
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.
Overall
Alliant Credit Union is best for those who are comfortable solely banking online, as the credit union doesn’t maintain branches. Fortunately, the credit union maintains 24/7 customer support over the phone, and its mobile app is highly rated by iOS and Android users, making mobile banking a breeze. Alliant members also get access to a wide network of surcharge-free ATMs, in addition to ATM rebates with the High-Rate Checking account.
Pros
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Although not the highest on the market, the savings accounts, checking accounts and CDs offer robust yields.
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Alliant offers surcharge-free access to over 80,000 ATMs.
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The credit union has manageable membership requirements.
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Alliant charges fee fees, including no overdraft or monthly maintenance fees.
Cons
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The credit union doesn’t offer any specialty CDs such as no-penalty CDs.
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Higher yielding checking and savings accounts are available elsewhere.
We want to know what you think about Alliant Credit Union
Do you have experience with Alliant Credit Union? Let us know your thoughts.
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 for members enrolled in e-statements.
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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 certificates of deposit
Pros
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Alliant CDs come with competitive yields.
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There’s a solid range of CD terms to choose from.
Cons
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Depending on the term, top-notch yields can be found elsewhere.
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Alliant doesn’t offer any specialty CDs such as no-penalty CDs.
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While a $1,000 deposit for a CD is relatively standard, some banks have lower minimum opening deposit requirements.
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 fees.
Cons
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There are some checking accounts that offer a higher yield.
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 Feb. 14, 2025 and Feb. 20, 2025.
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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 Feb. 14, 2025 and Feb. 20, 2025.
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| 3.10% | 3.70% | |
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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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| $1,550 | $1,850 | |
| Alliant Credit Union offers several savings accounts, including a high-yield savings account pays a robust APY. The ability to create up to 19 named savings accounts sets Alliant apart from many competitors who typically limit additional accounts or charge fees for them. This feature is particularly valuable for users who prefer to separate their savings goals visually rather than just tracking them within a single account. Account holders must maintain an average monthly balance of at least $100 to earn interest. A minimum balance of $5 is required to keep the account open. | Ally Bank consistently offers a competitive yield on its Online Savings Account. The online bank doesn’t have the absolute highest yield, but it offers a competitive one and doesn’t have a minimum balance requirement or a monthly service fee. The bank offers mobile deposit, but you’ll need to transfer money to the Ally checking account or money market account if you want to access money in your savings from an ATM. | |
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Bank fees
| Fee | Charged? |
|---|---|
| Overdraft fee | None |
| Non-sufficient funds fee | None |
| Monthly maintenance fee | None |
| Out-of-network ATM fee | None |
| Excessive transaction fee | None |
| Dormant Account (for savings accounts) | $10 |
| Inactivity (for savings accounts) | $10 |
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. The credit union provides a toll-free 24/7 phone number for issues that need immediate attention. It also offers an online contact form for other account and service questions.
Bankrate staff insights
“I chose Alliant because the APY was higher than with other financial institutions,” said a Bankrate staff member with an Alliant account. “I have only had my account open for two months and have seen noticeable returns. Transferring funds into my Alliant high-yield savings account was incredibly easy — all I had to do was link the account I was transferring from and make the transfer.”
Disclosure: To enhance our product reviews, Bankrate employees often open accounts and provide feedback. They may have been compensated for their time and account maintenance, but this does not affect the integrity of their review.
Digital experience
The above images were last updated on August 8, 2024.
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.
Alliant Credit Union customer reviews
Alliant Credit Union has 24 reviews
Dive into community reviews below and see what others think about Alliant Credit Union.
In July 2024, Bankrate collaborated with a third-party vendor to survey 1,200 bank account holders nationwide. Bankrate and our vendor collected and summarized account holder responses to five rating questions on a 5-point scale as well as open-ended reviews of the banking experience. Responses are based on individual account holder product details, and therefore cannot be verified for accuracy. Reviewers received an incentive for their feedback. Their ratings are unedited and have not been reviewed or approved by the associated bank or credit union, nor do these responses reflect Bankrate's own expert review of these banking products.
Community Reviews
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