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
2.10% 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 December 21, 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
2.10%
Min. balance for APY
$100

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
Horrible customer service
Got a high cash credit card. Turned into a disaster. Auto pay never worked. Got no notification. Charged me huge fees and interest. Blamed me for everything despite having the same problem with their system multiple times. Went back to Amex where I never had these problems. Shame on Visa for doing business with this horrendous outfit. Don’t be fooled by the high cash. It cost me hundreds.
Overall
Customer service
Poor
Website / app
Poor
Rates
Poor
Fees
High
Worst credit Union ever
NerdWallet obviously got money to put this good review up this credit Union alliant is the worst credit Union I've ever been to they have a 15-day hold on paychecks that are at the state and the only place that they have any branches is in Chicago and they didn't tell me this when I joined them. They also won't cash my check, nor will they return it, nor will they allow me to close my account. I've already filed a claim of fraud and theft through the Federal trade commission against this bank at the moment I'm driving down to my local sheriff's department I'm going to file a police report versus this bank as well. and I spent 6 hours on the phone this morning trying to get someone to help me and I got hung up on it at least 10 times, one person even told me to sue them if I wanted to try to get my money back because they were not going to give me my check.
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