at Alliant Credit Union,

Federally insured by the NCUA

Pros

More than 80,000 free ATMs
0.65% APY on High-Rate Checking is well above average
2.00% APY on savings, among the best rates you'll find

Cons

$25 overdraft fee; no limit on number of daily charges
Doesn't participate in shared branching

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Overall

4.5

Many credit unions offer better interest rates than banks do, but they also may have narrow membership requirements and less polished technology. But Alliant Credit Union combines the best of both worlds with broad membership criteria, great rates and a good tech experience.

Ratings methodology | Updated April 6, 2018

Checking

5

Alliant offers free, teen and high-rate checking accounts, none of which charges a monthly fee. Qualify for High-Rate Checking's strong APY by enrolling in free e-statements and receiving at least one electronic deposit per month — and you’ll receive the great rate, plus up to $20 per month in reimbursements for out-of-network ATM fees.

High-Rate Savings
APY
2.00%
Min. balance for APY
$100

at Alliant Credit Union,

Federally insured by the NCUA

High-Rate Checking
APY
0.65%
Monthly fee
$0
Balance to waive monthly fee
$1

at Alliant Credit Union,

Federally insured by the NCUA

How does Alliant Credit Union compare?

Alliant Credit Union

High-Rate Savings

NerdWallet Rating

at Alliant Credit Union,

Federally insured by the NCUA

APY

2.00%

Monthly Fees

N/A

Bonus features

Competitive APY

Live help 24/7

Mobile-friendly

Goldman Sachs Bank USA

Online Savings

NerdWallet Rating

at Goldman Sachs Bank USA,

Member, FDIC

APY

2.05%

Monthly Fees

$0

Bonus features

No Monthly Fee

Competitive APY

American Express National Bank

High Yield Savings Account

NerdWallet Rating

at American Express National Bank,

Member, FDIC

APY

2.00%

Monthly Fees

$0

Bonus features

Competitive APY

Live help 24/7

No Monthly Fee

Not for you? Read more bank reviews
NerdWallet reviews are the result of independent research by our editorial team while accountholder reviews are contributions from independent users not affiliated with NerdWallet. Banks, issuers and credit card companies are not responsible for any content posted on the NerdWallet site, nor do they endorse or guarantee any posted comments or reviews.
Overall
Customer service
Poor
Website / app
Poor
Rates
Fair
Fees
Low
Not worth the effort... giving up after 90 days.
They attract you in with good rates and features. They lost me with poor customer service, a clunky website and the feeling that the incompetence is costing you more than you are saving. First there website fails to show you pending transactions for in-process transfers costing me $60 in overage fees. I complained and got, well sorry, but nothing was going to be done about it. Second, deep in the disclosures, they tell you your cash back credit card can't be used to pay your credit card even though that is exactly what it says in the FAQ's, it says will be issued as a statement credit. So I was hit with interest charges even though I paid in full. So much for saving money. NOT! I complained, twice, only be told that it's in the fine print so we are going to charge you. I will be closing my account and moving my funds back to my hometown credit union where I can get GOOD service and not be treated poorly. I read similar reviews from others before signing up but thought I would give them a shot. 90 days later it was such a waste of time and effort.
Overall
Customer service
Poor
Website / app
Poor
Rates
Poor
Fees
High
Worst. Bank. Ever.
If you EVER want to have payments taken out of a new bank account DO NOT USE THIS BANK! Firstly, they require that you have a fax machine and printer, fill out several forms, and return each of them as if this was 1985. My hands were in a cast so I needed to sign digitally and they would not let me change my account so I missed a payment and they charged me money (most likely their intent.) They were extremely rude over the phone and I hope I never have to interact with them again or I might pay off my loan just to avoid it.
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