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
1.75% 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 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
1.75%
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

1.75%

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

American Express National Bank

High Yield Savings Account

NerdWallet Rating

at American Express National Bank,

Member, FDIC

APY

1.75%

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
Fair
Incompetent Staff
Their staff are completely misinformed about their policies for applications and for day day banking. Very frustrating experience. Bill pay is 5-7 business days...how are you supposed to pay bills on time with that?
Overall
Customer service
Poor
Website / app
Excellent
Rates
Excellent
Fees
Low
good checking/savings accounts -
Great rates and service on checking/savings accounts. Loan process is ONEROUS, LENGTHY, AND RIDICULOUSLY OVER-ZEALOUS. We've banked here over 20 years, had 8 mortgages (never even one day late on a payment), credit scores of 800+, have well over $100k in cash in accounts in this bank -- we applied for a HELOC (
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