Pros

Over 80,000 free ATMs
0.65% APY on High Rate Checking is well above average.
1.25% 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 Aug. 24, 2017

Checking

5.0

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.

Free High-Rate Checking
0.65%
APY
$0
Monthly fee
None
Balance to waive monthly fee
Learn moreat Alliant Credit Union
High-Rate Savings
1.25%
APY
$100
Min. balance for APY
Learn moreat Alliant Credit Union
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Overall
Customer service
Excellent
Website / app
Excellent
Rates
Excellent
Fees
Low
A solid, well-established option
Alliant has been my home credit union for 20 years (when it was the United Airlines Employees Credit Union), and it has consistently offered high rates and great customer service for my family. We've had savings, checking, and auto loans through Alliant. It's been great!
Overall
Customer service
Poor
Website / app
Poor
Rates
Poor
Fees
High
WORST CREDIT UNION EVER
this is the worst bank/credit union i have ever dealt with by far. if you need any customer service they are worthless. They sent me to a collections agency after i had an account open for two weeks because they suspected fraud. Even though the purchases were legit. DO NOT JOIN THIS CREDIT UNION, you will regret it. They are a complete joke.
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