at Alliant Credit Union,

Federally insured by the NCUA

Pros

More than 80,000 free ATMs
0.45% APY on High-Rate Checking is well above average
1.70% 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
1.70%
Min. balance for APY
$100

at Alliant Credit Union,

Federally insured by the NCUA

High-Rate Checking
APY
0.45%
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
DON’T DO IT
Customer service is a joke the fees are a joke. I’m a co-borrower but they won’t provide me information with out my husband on the line!
Overall
Customer service
Good
Website / app
Excellent
Rates
Excellent
Fees
Low
Great credit union, fantastic option
I've loved banking at Alliant. I've never had to contact customer service and setting my accounts up online was very simple and quick. I've never had any problems at all. They recently updated their web interface and it's excellent! (The old one worked fine, just looked outdated). I love the great rates on checking & savings accounts. I also keep an account at a local bank in order to do cash deposits and withdrawals (and then just transfer to/from Alliant) when needed since I hate dealing with ATMs.
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