From Yahoo Finance: 2025-03-20 17:54:00

Alliant Credit Union, founded in 1935 in Chicago, offers competitive rates on CDs and above-average rates on no-fee checking and savings accounts. It went fully digital in 2020 and is open to everyone. Their checking accounts have 0.25% APY and no minimum balance requirement, beating the national average rate of 0.07%.

Alliant also offers teen checking accounts with no fees and a 0.25% APY. They have various overdraft protection options, including a $20 monthly ATM fee reimbursement. The credit union provides above-average interest rates on savings accounts, like the High-Rate Savings account offering 3.10% APY with a $100 balance.

New Alliant members can earn a $100 bonus with the Ultimate Opportunity Savings Account. They offer the best CD rates on the market, ranging from 3.10% to 4.10% APY. Alliant provides home loans, personal loans with same-day funding, and auto loans with rates starting at 5.84% APR.

Alliant’s Visa Platinum Card offers 0% APR on purchases and balance transfers for the first 12 months. Their Cashback Signature Credit Card provides up to 2.5% cash back on qualified purchases. The credit union also has checking and savings accounts with no fees, but some require a minimum deposit or eStatements for interest.

Benefits of Alliant include eligibility for everyone, no monthly account fees, a large fee-free ATM network, and complimentary credit scores. However, they are online-only, so there’s no in-person banking. Alliant does not offer Zelle, and some customers have faced log-in issues with their mobile apps.

Alliant gives back through digital inclusion efforts and environmental sustainability. They offer NCUA insurance, and their routing number is 271081528. Anyone can join Alliant Credit Union, even if not affiliated with their partners. They have been operating since 1935 and provide various ways to qualify for membership.



Read more at Yahoo Finance: An online-only credit union anyone can join