We’re proud to be part of your benefits package! Alliant is one of the largest credit unions in the U.S., with more than {{acu-years}} years of history serving over {{members}} members nationwide. We’re 100% digital and we’re not-for-profit, so we can reward our members by offering high savings and checking rates, low loan rates, rich credit card rewards and fewer fees.

In-depth yet approachable posts covering a wide range of financial topics.

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On-demand and live webinars featuring certified financial planners and gurus like Suze Orman. 

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Our team regularly releases guides on important personal finance topics, such as our Alliant Insider series.

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We have a convenient nationwide network of over 80,000 fee-free ATMs.

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Our calculators are here to make estimating a payment, determining your budget and more.

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• Grow your savings faster with {{saving-apy}}% APY (that’s {{saving-rate-comp}}x the bank national average!)^1,2
• 80,000+ fee-free ATMs, plus up to $20/month in ATM fee rebates³
• Certificate options ranging from 3 to 60 months with a low $1,000 minimum deposit⁴

• Great rates on auto loans, mortgages, personal loans and more
• Multiple credit card options depending on your needs and goals
• Fewer fees, so your money stays your money

• Award-winning online and mobile banking
• 24/7 human support whenever you need it
• Access to exclusive financial education tools to help you reach your goals

Plus, stay tuned for exclusive offers and promotions available when you join Alliant through your employer!

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Head of Residential Lending, Dan Bauer, joined Yahoo Finance’s “Wealth” to discuss the housing market

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1. The savings dividend provides an Annual Percentage Yield (APY) of {{saving-apy}}%. The APY is accurate as of the {{div-declare-date}} dividend declaration date. Dividends are paid on the last day of the month to accountholders who have maintained an average daily balance of $100 or more. Savings dividend may change after account is opened and is subject to change at any time. Dividend applies to Savings, Supplemental Savings, Emergency Savings, Kids Savings Accounts, UTMA Custodial Accounts, Trust Accounts and IRA. Fees may reduce earnings on the account.

2. APY= Annual Percentage Yield. Comparison based on Alliant Credit Union {{saving-apy}}% APY as of the {{div-declare-date}} dividend declaration date vs. the bank national average savings rate of {{avg-saving-rate}}% APY as of {{comp-date}} sourced from National Association of Federal Credit Unions in cooperation with SNL Financial and Datatrac Corp.

3. Alliant will rebate ATM fees up to $20 per month per membership account when you use your Alliant checking account Visa debit card to make a deposit, withdrawal, transfer or balance inquiry. The rebate does not apply to cash advances from Alliant Visa credit cards through ATMs nor to the Alliant Savings ATM Card and Visa International Service Assessment (ISA) fee, referenced as the foreign transaction fee on account statements. Not all ATMs accept deposits. Transactions performed at other ATMs may be subject to the ATM owner’s surcharge fee. Please see the online ATM Locator at www.alliantcreditunion.com or our mobile banking app for a list of ATMs that accept deposits or are surcharge-free. Not all ATMs accept deposits.

4. APY= Annual Percentage Yield. The APY is accurate as of the {{div-declare-date}} dividend declaration date. A $1000.00 minimum deposit is required to open a Regular Alliant Certificate. A $75,000 minimum deposit is required to open an Alliant Jumbo Certificate. If you open an Alliant Jumbo Certificate with a minimum deposit of $75,000, but later withdraw funds from the account and bring the balance below $75,000, the Alliant Jumbo Certificate will convert to a Regular Alliant Certificate, which may pay a lower rate. You must be an Alliant member. Alliant Certificates are available as Regular Share Certificates and, Jumbo Share Certificates. Both Regular and Jumbo Certificate types are also offered as Traditional IRA Certificates, Roth IRA Certificates, and SEP IRA Certificates. In addition, prior to opening an IRA Certificate (Traditional, Roth and SEP), you must have or establish an IRA with Alliant. You may not add any additional money to your Certificate after opening. Dividends compound monthly and are paid on the last day of the month and at maturity. A penalty will be imposed for early withdrawal of any principal amount. There are no penalties for monthly dividend withdrawals. Early withdrawal penalties do apply if the Certificate is closed before the maturity date unless the Certificate funds are moved to Alliant Retirement and Investment Services. If you wish to move your Certificate funds to Alliant Retirement and Investment Services, you must wait until 7 days after your Certificate has been opened. Other exceptions to early withdrawal penalties may be allowed. Monthly dividend withdrawals are not eligible on IRA Certificates if owner is under age 59 1/2. Any monthly withdrawals or transfers reduce earnings. If you change the term of your renewed Certificate, the beneficiary(ies) need(s) to be reestablished by completing a Beneficiary Add/Delete Form. (Not applicable to IRA Certificates). The joint owner designated at the time of Certificate opening will remain as joint owner if you renew your Certificate with Alliant. Neither the primary account owner or joint owner may be a beneficiary on the Certificate account. You are not locked into a rate until you open or renew your Alliant Certificate. Alliant Certificate rates may change daily. Fees may reduce earnings on the account.

3-5 months

Regular Share Certificates with a term between 3 and 5 months provide a Dividend Rate of 3.06% – Compounded Annual Percentage Yield of 3.10% APY on balances between $1,000 and $74,999.99. Jumbo Share Certificates with a term between 3 and 5 months provide a Dividend Rate of 3.06% – Compounded Annual Percentage Yield of 3.10% APY on balances $75,000 or greater. IRA Certificates with a term between 3 and 5 months provide a Dividend Rate of 3.06% – Compounded Annual Percentage Yield of 3.10% APY on balances between $1,000 and $74,999.99. Jumbo IRA Certificates with a term between 3 and 5 months provide a Dividend Rate of 3.06% – Compounded Annual Percentage Yield of 3.10% APY on balances $75,000 or greater.

6-11 months

Regular Share Certificates with a term between 6 and 11 months provide a Dividend Rate of 4.03% – Compounded Annual Percentage Yield of 4.10% APY on balances between $1,000 and $74,999.99. Jumbo Share Certificates with a term between 6 and 11 months provide a Dividend Rate of 4.03% – Compounded Annual Percentage Yield of 4.10% APY on balances $75,000 or greater. IRA Certificates with a term between 6 and 11 months provide a Dividend Rate of 4.03% – Compounded Annual Percentage Yield of 4.10% APY on balances between $1,000 and $74,999.99. Jumbo IRA Certificates with a term between 6 and 11 months provide a Dividend Rate of 4.03% – Compounded Annual Percentage Yield of 4.10% APY on balances $75,000 or greater.

12-17 months

Regular Share Certificates with a term between 12 and 17 months provide a Dividend Rate of 4.17% – Compounded Annual Percentage Yield of 4.25% APY on balances between $1,000 and $74,999.99. Jumbo Share Certificates with a term between 12 and 17 months provide a Dividend Rate of 4.22% – Compounded Annual Percentage Yield of 4.30% APY on balances $75,000 or greater. IRA Certificates with a term between 12 and 17 months provide a Dividend Rate of 4.17% – Compounded Annual Percentage Yield of 4.25% APY on balances between $1,000 and $74,999.99. Jumbo IRA Certificates with a term between 12 and 17 months provide a Dividend Rate of 4.22% – Compounded Annual Percentage Yield of 4.30% APY on balances $75,000 or greater.

18-23 months

Regular Share Certificates with a term between 18 and 23 months provide a Dividend Rate of 3.74% – Compounded Annual Percentage Yield of 3.80% APY on balances between $1,000 and $74,999.99. Jumbo Share Certificates with a term between 18 and 23 months provide a Dividend Rate of 3.78% – Compounded Annual Percentage Yield of 3.85% APY on balances $75,000 or greater. IRA Certificates with a term between 18 and 23 months provide a Dividend Rate of 3.74% – Compounded Annual Percentage Yield of 3.80% APY on balances between $1,000 and $74,999.99. Jumbo IRA Certificates with a term between 18 and 23 months provide a Dividend Rate of 3.78% – Compounded Annual Percentage Yield of 3.85% APY on balances $75,000 or greater.

24-35 months

Regular Share Certificates with a term between 24 and 35 months provide a Dividend Rate of 3.64% – Compounded Annual Percentage Yield of 3.70% APY on balances between $1,000 and $74,999.99. Jumbo Share Certificates with a term between 24 and 35 months provide a Dividend Rate of 3.74% – Compounded Annual Percentage Yield of 3.80% APY on balances $75,000 or greater. IRA Certificates with a term between 24 and 35 months provide a Dividend Rate of 3.64% – Compounded Annual Percentage Yield of 3.70% APY on balances between $1,000 and $74,999.99. Jumbo IRA Certificates with a term between 24 and 35 months provide a Dividend Rate of 3.74% – Compounded Annual Percentage Yield of 3.80% APY on balances $75,000 or greater.

36-47 months

Regular Share Certificates with a term between 36 and 47 months provide a Dividend Rate of 3.59% – Compounded Annual Percentage Yield of 3.65% APY on balances between $1,000 and $74,999.99. Jumbo Share Certificates with a term between 36 and 47 months provide a Dividend Rate of 3.69% – Compounded Annual Percentage Yield of 3.75% APY on balances $75,000 or greater. IRA Certificates with a term between 36 and 47 months provide a Dividend Rate of 3.59% – Compounded Annual Percentage Yield of 3.65% APY on balances between $1,000 and $74,999.99. Jumbo IRA Certificates with a term between 36 and 47 months provide a Dividend Rate of 3.69% – Compounded Annual Percentage Yield of 3.75% APY on balances $75,000 or greater.

48 months

Regular Share Certificates with a term of 48 months provide a Dividend Rate of 3.59% – Compounded Annual Percentage Yield of 3.65% APY on balances between $1,000 and $74,999.99. Jumbo Share Certificates with a term of 48 months provide a Dividend Rate of 3.64% – Compounded Annual Percentage Yield of 3.70% APY on balances $75,000 or greater. IRA Certificates with a term of 48 months provide a Dividend Rate of 3.59% – Compounded Annual Percentage Yield of 3.65% APY on balances between $1,000 and $74,999.99. Jumbo IRA Certificates with a term of 48 months provide a Dividend Rate of 3.64% – Compounded Annual Percentage Yield of 3.70% APY on balances $75,000 or greater.

60 months

Regular Share Certificates with a term of 60 months provide a Dividend Rate of 3.59% – Compounded Annual Percentage Yield of 3.65% APY on balances between $1,000 and $74,999.99. Jumbo Share Certificates with a term of 60 months provide a Dividend Rate of 3.64% – Compounded Annual Percentage Yield of 3.70% APY on balances $75,000 or greater. IRA Certificates with a term of 60 months provide a Dividend Rate of 3.59% – Compounded Annual Percentage Yield of 3.65% APY on balances between $1,000 and $74,999.99. Jumbo IRA Certificates with a term of 60 months provide a Dividend Rate of 3.64% – Compounded Annual Percentage Yield of 3.70% APY on balances $75,000 or greater.

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