Pros

Over 80,000 free ATMs
0.65% APY on High Rate Checking is well above average.
1.11% 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

Overall

4.0

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 Aug. 24, 2017

Checking

5.0

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.

Free High-Rate Checking
0.65%
APY
$0
Monthly fee
None
Balance to waive monthly fee
Learn moreat Alliant Credit Union
High-Rate Savings
1.11%
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
Good
Fees
Low
I love them!
I've been banking with them for over 10 years. They have the best rates for car loans, they make the loan approval process simple and easy, their customer service reps are always polite and helpful.
Overall
Customer service
Poor
Website / app
Poor
Rates
Poor
Fees
High
Don't go near this Credit Union
They will never approve you. For a simple 10k credit card they will deny you. Stay away from them. They pull up your report and keep playing games to send them docs but they will deny it
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