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
2.10% 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 December 21, 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
2.10%
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

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
Poor
Fees
High
Terrible customer service
I recently requested a check from my savings. Takes 7 to 10 business days to receive it. If you call customer service you will have to speak to their idiotic computer then when you get to speak to a real person you will answer the same questions again. They no longer have their own ATMs. You have to go to some other bank and use theirs. They want your money but provide no customer service.
Overall
Customer service
Poor
Website / app
Poor
Rates
Poor
Fees
Fair
Stay away
This CU has had issues for MONTHS with many customers where they must reset their own access to gain access to their own accounts. Escalation attempts to get this corrected fall n deaf ears because they do not take the issue seriously, nor do they seem to care to resolve this. I have spoken to managers as far back as February 2019 (when I can get past a customer service agent) and while they agree that this is an issue that should not happen, they have failed to get this corrected. They will promise that they have fixed it by changing your account #, but this does NOTHING to address the problem. Obviously, their IT department does not know what they are doing. This raises concerns that they have weak security measures in place as well. With so many other choices out there I can not emphasize enough to STAY AWAY from these clowns. They do not know what they are doing!
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