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
1.50% 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
APY
1.50%
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

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
Choose another credit union.
Did a mobile deposit of $1430 dollars and then they locked me out of my account and turned off my debit card so I had no money. Called there 24/7 number and they magically couldn't help me because the department that handles that is not 24/7. Will be closing my account and would not recommend this cu to anyone.
Overall
Customer service
Poor
Website / app
Poor
Rates
Poor
Fees
High
Can't get my cash back
The Alliant credit card promises 3% cash back, but after 6 months, I can't get my money. They are having systems and login problems. Really bad customer service.
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