Bank like a financial pro with the Alliant mobile app. Make payments, deposit checks, manage cards and so much more.
Renovate your kitchen, pay off high-interest debt, or have access to emergency funds when you need it with an Alliant Home Equity Line of Credit.
Browse new and used vehicle inventory, and qualify for a rate discount when you buy!81
Separate each of your savings goals into an Alliant Supplemental Savings Account so you can visualize your progress.
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.
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Do you have an extra $1,000+ that you won't need to use soon? A certificate could be the perfect way to use your money knowing you'll be earning a great interest rate. An Alliant Credit Union Certificate gives you an even better interest rate on your money than you would get in a low-rate savings account. Certificates are often referred to as CDs, non-liquid accounts, or time deposits. A certificate is a very safe investment.
We may pay you even more if you open a certificate for $75,000 or more (aka a “jumbo” certificate).57
Alliant Certificates offer great dividend rates on the timetable you set as you plan for life's big moments. (If you need to withdraw your funds before the maturity date, you can do so, but you may incur an early withdrawal penalty.)
Use our different certificates to generate even more savings by creating a certificate ladder. You can learn more about certificate ladders on our blog, the Alliant Money Mentor.
The Dividend Withdrawal option lets you receive an interest payment each month rather than earning compounded interest. There is no penalty for dividend withdrawals, but they reduce earnings (because interest doesn't compound). Also, if you opt for dividend withdrawals and close a certificate before it matures, the early withdrawal penalty (normally deducted from earnings) is withdrawn from your principal instead, as earnings have already been paid to you.
Take a minute to learn what they are, how they earn interest, and how to open one.
Please note: In order to open a traditional IRA, Roth IRA, or SEP IRA certificate, you must open the respective account type first. Call an Alliant investments expert at 800-328-1935 to open an IRA certificate.
You don’t need access to your funds immediately, and you’d like to increase your investment returns
You are saving for retirement with before-tax money
You are saving for retirement with after-tax money
You are self-employed and saving for retirement
For your convenience, we offer several easy ways to open an Alliant certificate. If you're already an Alliant member, just log in to online banking, select Open a New Account in the left sidebar and follow the prompts. If you're not yet a member, simply select Certificates from the list of account types in the online Alliant membership application. Certificates can also be opened with personal assistance from a Member Care Representative by calling 800-328-1935. Note: Certificate accounts cannot be opened through our automated phone banking service. Individual Retirement Account (IRA) certificates can't be opened through online banking.
The minimum deposit amount needed to open a certificate is $1,000. The minimum deposit amount needed to open a jumbo certificate is $75,000.
No. You cannot change the type or term of a certificate after it has been opened. Changes to the type or term can only be made at maturity.
If you withdraw funds from an Alliant certificate before the maturity date, you may incur an early withdrawal penalty, per the table below.
Dividends will post to the certificate on the last day of every 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 or through our 24-hour automated phone service.
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.
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. Please note: Individual Retirement Account (IRA) Certificates can't be opened through online banking. To open an IRA certificate, call 800-328-1935 between 8:30 a.m. and 5:00 p.m. Monday through Friday.
At our discretion, we may allow withdrawals from the account before maturity without imposing an early withdrawal penalty under one of the following circumstances:
Tax laws are subject to change. Contact a tax professional for more details.
Alliant deposit accounts are federally insured up to $250,000 by the NCUA. To learn the details of funds coverage, visit the NCUA page on the Alliant website.
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You are leaving an Alliant Credit Union website and are about to enter a website operated by a third-party, independent from Alliant Credit Union. Alliant Credit Union does not manage the operation or content of the website you are about to enter. Alliant Credit Union is not responsible for the content and does not provide any products or services at this third-party website. The privacy and security policies of the site may differ from those of Alliant Credit Union.
