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
1.60% 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

4.5

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
1.60%
Min. balance for APY
$100

at Alliant Credit Union,

Federally insured by the NCUA

Free 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

APY

1.6%

Monthly Fees

$0

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

1.8%

Monthly Fees

$0

Bonus features

No Monthly Fee

Competitive APY

Barclays

Online Savings Account

NerdWallet Rating

at Barclays,

Member, FDIC

APY

1.65%

Monthly Fees

$0

Bonus features

No Monthly Fee

Competitive APY

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
Poor
Fees
High
Terrible service
I have a car loan with them and their service is awful. I set up automatic payments but needed to have it start a month later. There is no way to adjust an automatic payment online, you need to call the help desk. After speaking to the representative, I was put on hold while they tried to figure out how to change my automatic payments. I have to fill out a separate form and send it to "someone in the back office". No idea why I can't simply adjust it from my account like you can do with almost every other bank I have dealt with. Don't use them to buy a car! They make it almost difficult to pay off your loan.
Overall
Customer service
Poor
Website / app
Poor
Rates
Poor
Fees
High
Poor customer service
I have a car loan with this group. Their customer service team can not even make a simple address change to send me a statement. I am attempting to pay the car off early, you can only call on the last day of the month and there is a $10 fee to pay over the phone. I need to add an email to my account to do online service to avoid the $10 fee and they have to mail it to me. They make it difficult to do anything. I will pay the car off and NEVER use them again.
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