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
1.80% 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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We adhere to strict standards of editorial integrity. Some of the products we feature are from our partners. Here’s how we make money.

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
1.80%
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

1.80%

Monthly Fees

N/A

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

1.85%

Monthly Fees

$0

Bonus features

No Monthly Fee

Competitive APY

Synchrony Bank

High Yield Savings Account

NerdWallet Rating

at Synchrony Bank,

Member, FDIC

APY

1.85%

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
Good
Fees
High
Find a competent bank or credit union. This is not it.
I've been a member of Alliant for a year and a half. I got involved with them because of an auto loan. The first red flag was having to go to their branch to sign papers. Apparently they don't do that at car dealers like other banks and credit unions. Go look up Alliant Credit Union. They have branches everywhere. But that's not how it works. You have to go to one of "their" branches. Those are much harder to find. So then I try to set up online banking. You can't have special characters in your user name, so you can't use your E-Mail address. Whatever, I just wanted it for a car loan anyway. But I set up a checking account anyway and put $500 in it. If they have these rates all the time, this might be a good bank to do business with. So then I thought I had it all covered. A month later, I get a late notice from them. I didn't get a payment book or anything, so I had no place to where to send the payment. I set it up my car loans with auto withdrawal from my pay-check funded savings account, so getting an address to send a payment to is important. So they drained my checking account without any notice. And they don't send statements either. I had no idea any of this was happening until they started charging me late fees. Recently, they changed in "online only" banking. So I signed on to set it up. They wanted an account number, so I entered my checking account number, wrong. So I called them. They can't give me the secret account number, they have to mail it to me. So I get the secret number in the mail, I got to their website to create an account and I can't even get to the screen where I enter the secret account number. Either I don't know how to spell my name or I don't remember my SSN or I can't click on Recaptcha properly. In the end, I have no idea how much I owe on my car. I have no idea how much money I have in my accounts (remember the initial $500 deposit? It's now $58 in savings and $54 in checking. I never opened a savings account). And I can't set up online banking. This has been a disaster from the start. The aggravation is not worth the low interest rate. Choose a competent bank or credit union. This is not it.
Overall
Customer service
Poor
Website / app
Fair
Rates
Good
Fees
High
7 DAYS...
It is their policy to take 7 days to post a payment. if you are a high user of credit cards and looking to utilize Alliant for the good return. This probably wont work for you. Customer service is also very poor. We are closing the account and moving on
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