Advertiser Disclosure

Pros

Over 80,000 free ATMs available.
0.65% APY on High Rate Checking is well above average.
1% APY on savings, about the best you'll find.

Cons

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

Overall

4.5

Credit unions tend to offer better interest rates than banks do, but they can also have more narrow membership requirements and less polished technology. Enter Alliant Credit Union, which combines the best of both worlds by offering broad membership criteria, stellar rates and a good tech experience.

Ratings methodology | Reviewed Jan. 31, 2017

Checking

5.0

Alliant offers free, teen and high-rate checking accounts, none of which charge a monthly fee. You can qualify for high-rate checking's strong rate by enrolling in free e-statements and receiving at least one electronic deposit per month.

Free High-Rate Checking
0.65%
APY
$0
Monthly fee
None
Balance to waive monthly fee
Learn moreat Alliant Credit Union
High-Rate Savings
1.00%
APY
$100
Min. balance for APY
Learn moreat Alliant Credit Union
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
Excellent
Website / app
Excellent
Rates
Excellent
Fees
Low
I love this Alliant!!
I used to be a Chase customer, but then the "Move My Money" movement helped open my eyes to the reality of all the economic issues and bail outs the big banks were getting while, us, normal people suffered. I began looking for a Credit Union and found this to be the better choice for me. I do NOT regret making this change to Alliant. It works exactly like my old Chase account. I also moved my money out of oil stocks/real estate to the TIAA Traditional Annuity which is guaranteed money for retirement. Stock brokers will never tell you about the TIAA Traditional Annuity choice, but they will definitely highlight the negatives about it. The biggest hint is the fact that it's guaranteed money when you retire! (As long as you actually invest into it, as well!) Ever since I moved my money into it, all I see now in my portfolio is "Green"!!!. The best thing about it is not affected by how many times Wall Street crashes the stock market!
Overall
Customer service
Poor
Website / app
Poor
Rates
Poor
Fees
High
Poorly trained and rude customer service
I became a member of Alliant Credit Union as I was looking to consolidate my student loans, and because my father had been a member for several years. Alliant outsources their consolidation services to Cology, and after going over the requirements, I knew I didn't qualify as I haven't been with my company for two years (I'm a first year teacher). My father and I called in to see if Alliant and Cology would work with us if my father cosigned with me. The Alliant customer service representative, either out of ignorance or deceit, told me that my short tenure with my job would be overruled by my father cosigning. Encouraged by this blatantly false advice, I spent two to three hours applying... Only to be rejected immediately. Think about it. I wasted two to three hours and took a hard credit pull. I cannot get that time back and the credit pull will remain on record for quite a while, costing me money when I get another car. I worked hard to get my credit to "excellent," and I don't appreciate hard credit pulls for loans I never had a shot with. When my father called Alliant, they placed all of the blame on Cology and when I called Alliant, the customer service supervisor basically told me to get over it. They refused to admit any fault and for that, I will no longer use their services. This is not my first loan and I've never received such poor customer service.
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