Pros

More than 80,000 free ATMs
0.65% APY on High-Rate Checking is well above average
1.50% 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
1.50%
APY
$100
Min. balance for APY
Learn moreat Alliant Credit Union
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Overall
Customer service
Poor
Website / app
Poor
Rates
Poor
Fees
High
Website is horrible. Multiple problems. Not fixed
Can't pay bills from internet site. Have to sign in from mobile. Can't send secure message because it times out and logs you out. FRUSTRATED.
Overall
Customer service
Poor
Website / app
Poor
Rates
Poor
Fees
High
Sad Excuse for a Local Company
Alliant CU is the worst bank I have ever used. I tried to support a local company vs using Chase, but Chase has never treated me this poorly. ACU made mistakes on my savings account that turned into a collection and they refuse to fix it. My credit is ruined, because of this I was not able to purchase a home and was turned down by dream job. IF Chase ever makes a mistake they fix it right away, Ill never use a credit union again because of Alliant. I am not the first person to have this sort of experience, check around online you will find tons of dissatisfied customers.
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