Earn big with flexible certificates

Tired of big bank certificate rates that earn almost nothing? Try the alternative — an Alliant Credit Union Certificate that gives you the returns you deserve. Pick your maturity date and start earning today!

Credit Union Certificate
The Run Down
  • Low minimum deposit of only $1,000 with Jumbo rates starting at $25,000; no maximum.
  • Flexible maturity dates - choose dates from12 to 60 months
  • Dividends compounded every month and at maturity
  • Deposit is insured up to $250,000 by NCUA
2.20 %
2.178 %
As High As

View All Certificates Rates

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Certificates 101

Do you have an extra $1,000+ that you won't need to use soon? A certificate is the perfect way to use your money knowing you'll be earning top dollar. An Alliant Credit Union Certificate gives you an even better interest rate on your money than you would get in a savings account because we know that the money won’t be withdrawn for an extended period.

Certificates are often referred to as CDs, non-liquid accounts, or time deposits. Almost all banks offer certificates, but with an Alliant Credit Union Certificate, you'll get a rate of return that is far above industry averages.

A certificate is a very safe investment. Even if you need to withdraw the money before you expect, you won’t lose any of the principal that you invested.

Flexible timelines

You can plan for life's big moments by picking your maturity date from 12 months to 5 years. Alliant Credit Union Certificates offer top market dividend rates on the timetable you set.

Jumbo certificates

Because bigger is better, we'll pay you even more if your certificate is for $25,000 or more (a.k.a. a "jumbo" certificate)!

Certificate ladders

Use our highly flexible certificates to generate even more savings by creating a certificate ladder.

Dividend Withdrawals

You can choose to withdraw the dividends earned on the certificate. Dividend withdrawals may reduce earnings, but there are no penalties.

Early Withdrawal rules

When you open your Alliant Credit Union Certificate, you'll choose a maturity date between 12-60 months. If you need to withdraw funds before the maturity date, you may incur an early withdrawal penalty. You will never lose principal after your certificate has been opened for more than seven days.

1-7 days: 7 days of dividends
For 12-17 month term certificates: dividends earned for the number of days the certificate is open (up to max of 90 days of dividends)
For 18-23 month term certificates: dividends earned for the number of days the certificate is open (up to max of 120 days of dividends)
For 24-60 month term certificates: dividends earned for the number of days the certificate is open (up to max of 180 days of dividends)

There may be exceptions to early withdrawal penalties.

It’s easy to get started!

There are four easy ways to open an Alliant Credit Union Certificate: (Please note Coverdell ESA and IRA accounts cannot be opened through online banking.)


Log in to online banking and select "Open an Account."


Call us at 800-328-1935 for personal assistance.


Print and mail our certificate application.

In person

Visit us at an Alliant Branch.

Compare Alliant Credit Union Certificates

We’re always here to help. Call an Alliant investments expert at 800-328-1935. We’ll help guide you towards the perfect credit union certificate for your unique situation. Please Note: In order to open a traditional IRA, Roth IRA, SEP IRA, or Coverdell ESA certificate, you must open the respective account type first. For example, to get a traditional IRA certificate, first you must open a traditional IRA account.


Rate up to 1.85% APY
Down Payment

Minimum deposit of $1,000

Consider If

You don’t need access to your investment for at least 12 months, and you’d like to increase your investment returns

Traditional IRA

Rate up to 1.85% APY
Down Payment

Minimum deposit of $1,000

Consider If

You are saving for retirement with before-tax money

Learn More

Roth IRA

Rate up to 1.85% APY
Down Payment

Minimum deposit of $1,000

Consider If

You are saving for retirement with after-tax money

Learn More


Rate up to 1.85% APY
Down Payment

Minimum deposit of $1,000

Consider If

You are self-employed and saving for retirement

Learn More

Coverdell ESA

Rate up to 1.85% APY
Down Payment

Minimum deposit of $1,000

Consider If

You are saving for a child’s education

Learn More

Certificate Rates

Term Balance Dividend Rate(%) / APY(%)
12-17 Months up to $24,999.99 1.144 / 1.15
12-17 Months $25,000 and up 1.193 / 1.20
18-23 Months up to $24,999.99 1.193 / 1.20
18-23 Months $25,000 and up 1.243 / 1.25
24-35 Months up to $24,999.99 1.292 / 1.30
24-35 Months $25,000 and up 1.342 / 1.35
36-47 Months up to $24,999.99 1.490 / 1.50
36-47 Months $25,000 and up 1.539 / 1.55
48 Months up to $24,999.99 1.834 / 1.85
48 Months $25,000 and up 1.884 / 1.90
60 Months up to $24,999.99 2.080 / 2.10
60 Months $25,000 and up 2.178 / 2.20

Let Me Know When Alliant Rates Gets Even Better

Alliant Credit Union Certificate fees

eStatements (electronic account statements) Free

Alliant Credit Union Certificate FAQs

How can I open a certificate?

For your convenience, we offer four easy ways to open a Certificate:

  • Through Alliant Online Banking by selecting Open an Account. Please note: Coverdell ESA and IRA accounts cannot be opened through Online Banking.
  • By phone at 800-328-1935, with personal assistance.
  • By mail using our Certificate Application.
  • In person at an Alliant Branch.

You must have an active Alliant Savings Account or Alliant Trust Account with at least a $5 balance in the account before a Certificate can be opened.

Note: Certificate accounts cannot be opened through our automated phone banking service.

When will dividends post to certificates?

Dividends will post to the certificate monthly, on the last day of the month and at maturity. Dividends earned on your certificate will appear on your monthly statement. You can also verify dividends earned on your certificate through online banking and phone banking, our 24-hour automated phone service.

Are there any exceptions to the certificate early withdrawal penalty?

At our discretion, we may allow withdrawals from the account before maturity without imposing an early withdrawal penalty under one of the following circumstances:

  • When the account owner dies or is determined legally incompetent by a court or other body of competent jurisdiction.
  • When the account is an individual retirement account (IRA) and any portion is paid within 7 days after the establishment of the IRA; or the account owner becomes disabled; or when the account is an IRA and the owner attains age 70½.
  • When the account owner has elected the monthly dividend payment option, no early withdrawal penalties will be imposed on the dividend withdrawal. However, this option does effect the APY and will reduce earnings.

Tax laws are subject to change. Contact a tax professional for more details.

What is the minimum deposit needed to establish a certificate?

The minimum deposit amount needed to open a certificate is $1,000. The minimum deposit for a jumbo certificate is $25,000.

Are joint owners or beneficiaries allowed on certificates?

Yes. You can have both joint owners or beneficiaries on your Alliant Certificate. To add a joint owner or beneficiary to your certificate account, print and complete an Account Ownership Delete/Add form or Beneficiary Delete/Add form.

Can I make a change to the type or term of my certificate after it has been opened?

No. You cannot make a change to the type or term of a certificate after it has been opened. Changes to the type or term can only be made at maturity.

Do I need to have an Alliant IRA to be eligible to open an IRA certificate?

Yes. You must have or establish an IRA with Alliant prior to opening an IRA certificate. Additionally, the type of certificate must coincide with the type of IRA. For example, if you have a Roth IRA, you can only open a Roth Certificate. IRA certificates cannot be opened under a trust account.

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