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
Excellent
Website / app
Excellent
Rates
Good
Fees
Fair
I love Alliant
I'm a picky consumer, and before I found Alliant I was changing banks every few years. I'm a fully online customer...and I love Alliant. Great rates, excellent service, and most of all EASY to use. I've now been a customer for five years and I'm not even considering anywhere else. THANKS ALLIANT.
Overall
Customer service
Poor
Website / app
Poor
Rates
Fair
Fees
High
Note the customer review ratings!!
They may offer an enticing 3% cash-back in the 1st year, and even 2.5% (with a card fee) in subsequent years is not bad, but beware, their customer service is terrible. You won't be able to communicate with them except via secure message (1-2 day turn around). And then they will be entirely inflexible regarding any problem you have even if it's not of your own doing. By way of an example, I had set up auto-pay for the full balance but found they only took out the minimum. Why? It takes 1 billing cycle for any change to auto-pay to become active (but they can take the minimum out of a linked account? Makes no sense). Nowhere does it state this on their (also painfully basic) website, so IMHO this is just a scam with the hope of extracting some interest from you. But there's 0 chance of them refunding any interest you incur. So, avoid the tempting cash-back and look elsewhere.
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