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
2.00% 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

At NerdWallet, we adhere to strict standards of editorial integrity to help you make decisions with confidence. Some of the products we feature are from our partners. Here’s how we make money.

We adhere to strict standards of editorial integrity. Some of the products we feature are from our partners. Here’s how we make money.

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
2.00%
Min. balance for APY
$100

at Alliant Credit Union,

Federally insured by the NCUA

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

at Alliant Credit Union,

Federally insured by the NCUA

APY

2.00%

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

2.25%

Monthly Fees

$0

Bonus features

No Monthly Fee

Competitive APY

Citizens Access

Online Savings Account

NerdWallet Rating

at Citizens Access,

Member, FDIC

APY

2.35%

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
Poor
Fees
High
Do not recommend..Consumer Beware
The customer service is terrible. They make you escrow insurance on an RV loan. The transfer timing is ridiculous and unacceptable. There are many other credit unions or banking institution worth your business than these people. We will be transferring our business within the month.
Overall
Customer service
Poor
Website / app
Poor
Rates
Poor
Fees
High
Deposit
Tried to make a deposit of more than 10k by atm and it was rejected! There are no branches near where I live!
Some of the reviews on the NerdWallet site were purchased through a third party provider. Users who post a review directly on the NerdWallet site will not be compensated in any way. Please see our Terms of Use and Posting Guidelines for more information.