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Alliant Credit Union

Popular Accounts at this Credit Union

0.65%CheckingHigh-Rate Checking
1.35%1-year CD12 - 17 Month Share CD

Overview / Commentary
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 Raises Savings Account Rate - 7/1/2017

Alliant CU (easy membership) has just raised the rate on its Savings account (1.11% APY). Minimum opening deposit is $5, but the minimum to earn the stated APY is $100.

Slight Savings Rate Increase - 7/1/2017

Alliant Credit Union's savings account rate has increased slightly today: it went from 1.05% to 1.11% APY.

Alliant Credit Union Increases CD Rates - 6/1/2017

Nice to see the CD rate increases, but the new rates are still not that competitive compared to internet banks. 2.05% APY 60-month (was 1.85%) 1.75% APY 48-month (was 1.70%) 1.65% APY 36-47mo (was 1.55%) 1.45% APY 24-35mo (was 1.35%) 1.40% APY 18-23mo (was 1.30%) 1.35% APY 12-17mo (was 1.25%) These rates are for Jumbo certificates ($25k minimum). Rates are 5 bps lower for a $1k minimum. No rate changes for the High-Rate Savings (1.05%) or the High-Rate Checking (0.65%)

View all posts from:

12/9/14 - Alliant CU Tax Information
11/7/14 - Alliant Checking Rebates Up To $20 Per Month In ATM Fees
10/1/14 - Alliant CU Savings Account Rate Bump
8/27/14 - Alliant Credit Union Transfer Capabilities Are Unavailable
8/15/14 - Alliant Now To Charge For Paper Statements
8/11/14 - Alliant CU Paper Statement Fee Begins 9-30-14
8/4/14 - Big CD Rate Increase at Alliant Credit Union
8/1/14 - CD Rate Increases
7/8/14 - Alliant Credit Union, Paper To Estatement $5 Incentive
7/8/14 - Alliant Credit Union $5 Debit Card Reward Offer For July
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
5/23/12 - Alliant Credit Union Rate Cuts Scheduled For June 2012
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
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
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
7/21/10 - 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
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
2/23/10 - 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
11/25/09 - Alliant Credit Union's Savings Account Rate to Remain 2% Through December
11/25/09 - Update on Alliant Credit Union - Competitive Savings Account and CD Rates
10/24/09 - 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
7/1/09 - Update on Alliant Credit Union's Checking, Savings and CDs
3/28/09 - Alliant Credit Union's Free High Rate Checking Account & Updates on its Savings Account, HSA and CDs
3/15/09 - Health Savings Account Overview and Finding the Best HSA
11/24/08 - Update on Alliant Credit Union's Savings Account and CDs
6/4/08 - Update on Alliant Credit Union Rates
3/22/08 - 5.40% 24-Month / 5.40% 12-Month CD at an Illinois CU - easy membership (Alliant).
1/25/08 - Update on Alliant Credit Union and its 5.40% CDs
1/25/08 - Update on Alliant Credit Union and Their Field of Membership
1/19/08 - 5.15% 24-Month / 5.15% 12-Month CD at an Illinois CU - easy membership (Alliant).

Alliant CU - I'd Recommend It To Anyone

Posted by: ichaelm | Dec 13, 2010

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!

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.

ACH Transfer Limits

Posted by: midas89 | Mar 14, 2017

I find it unacceptable that Alliant will allow $100,000 ACH daily limit if money is pulled into your account, but only allows a $25,000 daily limit if you want to push an ACH transfer out.

I spoke with a representative today who said there are no exceptions. They will not raise the Outbound ACH transfer limit no matter how high your balance is or how long you have been a member.

Yes, Alliant is good in that if you put in for the ACH transfer before noon Central Time the funds will be delivered by next business day, but again, the lower Outbound ACH limit compared to the Incoming is not fair, in my opinion.

So, I give Alliant 5 stars for offering a 1% savings account and for their speedy ACH transfers. I give Alliant 1 star for the fact they only allow $25,000 per day to be pushed out via ACH.

The Only Place You Need To Get A Good Rate On Liquid Savings

I use Alliant as my banking hub -- all my money comes in to their high-yield savings account, and from there it goes where I need it. It serves that role perfectly, with fast transfers to many other accounts. Unlike some other banks that limit the number of external accounts, Alliant lets me have as many external accounts as I need.

Transfers are fast. When I joined, they were next day; now in some cases (especially to West Coast banks/CUs) they are same-day.



Health Grade Components

NCUA #67955
Year Chartered1935
Primary Regulator
Profit Margin
Return on Assets - YTD0.72%
Return on Equity - YTD6.7%
Annual Interest Income$137.9MM
Assets and Liabilities
AssetsQ2 2017vs Q2 2016$9.89B$9.14B
LoansQ2 2017vs Q2 2016$6.68B$5.63B
DepositsQ2 2017vs Q2 2016$8.56B$7.73B
Equity CapitalQ2 2017vs Q2 2016$1.06B$1.02B
Loan Loss AllowanceQ2 2017vs Q2 2016$35.5MM$33.3MM
Unbacked Noncurrent LoansQ2 2017vs Q2 2016$34.9MM$29.6MM
Real Estate OwnedQ2 2017vs Q2 2016$1.8MM$2.0MM
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.

Slight Savings Rate Increase

Saver5 |
Alliant Credit Union's savings account rate has increased slightly today: it went from 1.05% to 1.11% APY.

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Alliant Credit Union Savings Account Rates

1.11%--Coverdell ESA Savings
1.11%--IRA Savings
1.11%--Roth IRA Savings
1.11%--SEP IRA Savings
1.11%$100-Supplemental Savings
1.11%$100-Kids Savings Account
1.11%--High-Rate Savings
0.65%--Health Savings Account
0.25%--Mortgage Share

Alliant Credit Union Checking Account Rates

0.65%--High-Rate Checking
0.65%--Free Teen Checking

Alliant Credit Union CD Rates

2.10%$25k-60 Month Jumbo Share CD
2.05%$1k$25k60 Month Share CD
1.75%$25k-48 Month Jumbo Share CD
1.70%$1k$25k48 Month Share CD
1.65%$25k-36 - 47 Month Jumbo Share CD
1.60%$1k$25k36 - 47 Month Share CD
1.50%$25k-24 - 35 Month Jumbo Share CD
1.45%$1k$25k24 - 35 Month Share CD
1.40%$25k-12 - 17 Month Jumbo Share CD
1.40%$25k-18 - 23 Month Jumbo Share CD
1.35%$1k$25k12 - 17 Month Share CD
1.35%$1k$25k18 - 23 Month Share CD

Alliant Credit Union IRA Rates

2.10%$25k-60 Month Jumbo CESA
2.10%$25k-60 Month Jumbo Roth IRA
2.10%$25k-60 Month Jumbo SEP IRA
2.10%$25k-60 Month Jumbo Traditional IRA
2.05%$1k$25k60 Month Traditional IRA
2.05%$1k$25k60 Month Roth IRA
2.05%$1k$25k60 Month SEP IRA
2.05%$1k$25k60 Month CESA
1.75%$25k-48 Month Jumbo CESA
1.75%$25k-48 Month Jumbo Roth IRA
1.75%$25k-48 Month Jumbo SEP IRA
1.75%$25k-48 Month Jumbo Traditional IRA
1.70%$1k$25k48 Month Traditional IRA
1.70%$1k$25k48 Month Roth IRA
1.70%$1k$25k48 Month SEP IRA
1.70%$1k$25k48 Month CESA
1.65%$25k-36 - 47 Month Jumbo CESA
1.65%$25k-36 - 47 Month Jumbo Roth IRA
1.65%$25k-36 - 47 Month Jumbo SEP IRA
1.65%$25k-36 - 47 Month Jumbo Traditional IRA
1.60%$1k$25k36 - 47 Month Traditional IRA
1.60%$1k$25k36 - 47 Month Roth IRA
1.60%$1k$25k36 - 47 Month SEP IRA
1.60%$1k$25k36 - 47 Month CESA
1.50%$25k-24 - 35 Month Jumbo CESA
1.50%$25k-24 - 35 Month Jumbo Roth IRA
1.50%$25k-24 - 35 Month Jumbo SEP IRA
1.50%$25k-24 - 35 Month Jumbo Traditional IRA
1.45%$1k$25k24 - 35 Month Traditional IRA
1.45%$1k$25k24 - 35 Month Roth IRA
1.45%$1k$25k24 - 35 Month SEP IRA
1.45%$1k$25k24 - 35 Month CESA
1.40%$25k-12 - 17 Month Jumbo CESA
1.40%$25k-12 - 17 Month Jumbo Roth IRA
1.40%$25k-12 - 17 Month Jumbo SEP IRA
1.40%$25k-12 - 17 Month Jumbo Traditional IRA
1.40%$25k-18 - 23 Month Jumbo CESA
1.40%$25k-18 - 23 Month Jumbo Roth IRA
1.40%$25k-18 - 23 Month Jumbo SEP IRA
1.40%$25k-18 - 23 Month Jumbo Traditional IRA
1.35%$1k$25k12 - 17 Month Traditional IRA
1.35%$1k$25k18 - 23 Month Traditional IRA
1.35%$1k$25k12 - 17 Month Roth IRA
1.35%$1k$25k18 - 23 Month Roth IRA
1.35%$1k$25k12 - 17 Month SEP IRA
1.35%$1k$25k18 - 23 Month SEP IRA
1.35%$1k$25k12 - 17 Month CESA
1.35%$1k$25k18 - 23 Month CESA