Open an Alliant IRA today for safe and secure tax-advantaged savings.
Get upfront pricing, guaranteed savings, and a discounted rate on your auto loan. Members save an average of $3,279 off MSRP.
Have an extra $1000 or more you won't need soon? Open a certificate vs. risking it in the volatile stock market.
Alliant Members: If you get Alliant estatements, your 2016 tax forms are available in Alliant Online Banking.
The all-new Alliant Mobile App is now available on both iTunes and Google Play.
Take advantage of tax-free savings for qualified medical expenses now. Your future self will thank you!
With an average daily balance of $100 or more
Get certificate rates as high as 1.85% APY.57
"Best Deals in Banking of 2015" - Kiplinger's
"Best Savings Account in 2017" - NerdWallet
"Best Online Savings Account in 2017" - MagnifyMoney
With an Alliant Health Savings Account, you, your employer, or someone on your behalf can deposit funds to pay for current or future medical expenses. Funds used for qualified medical expenses, including dividends, are tax-free7. Unused funds remain in the HSA year after year, earning tax-deferred dividends. Unlike a Flexible Spending Account (FSA), there's no "use it or lose it" provision in an HSA.
Once you are age 65 or become disabled, you can withdraw funds from your HSA for both medical and non-medical expenses (but the non-medical uses will be taxable at that time.)
HSA Guidelines for 2016
You may add HSA contributions for the 2016 tax year until April 15, 2017. If you use an HSA to pay for unqualified medical expenses in 2016, the tax penalty is 20% of the HSA distribution.
HSA Guidelines for 2017
If you aren't currently an Alliant member, you'll need to become a member before opening an Alliant HSA. Don't worry. It's easy, and we'll even add the first $5 into a savings account for you71! Then, it's your choice if you'd like to add more to the regular savings account in the future. Regardless, you'll have access to your HSA account!
You can easily access your account any time, day or night, online or by phone.
Use your free Visa HSA debit card or your free HSA checks to pay for all eligible medical expenses.
Using HSA funds to pay for a non-qualified medical expense is taxable as income and subject to an additional 20 percent penalty by the IRS. To get a complete list of qualified medical expenses, download the IRS Medical and Dental Expenses (PDF) publication.
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View our full fee schedule.41
Yes. You may always use HSA funds to pay your qualified medical expenses, as well as the qualified medical expenses of your spouse and your dependents.
Yes. You can use the free Alliant Online Bill Pay to make a payment from your Alliant HSA for qualified medical expenses.
Alliant Credit Union
Attn: IRA/HSA Dept.
P.O. Box 66945
Chicago, IL 60666-0945
Alliant Credit Union
Attn: IRA/HSA Dept.
11545 W. Touhy Avenue
Chicago, IL 60666
Check with your insurance provider or employer to ensure you are covered by a qualified HDHP.
If you wrote a check or used your HSA debit card for a non-qualified medical expense, or received reimbursement from your insurance company or physician for a medical bill already paid from your HSA, please use the Return of HSA Distribution form (pdf) to return the funds to your HSA and avoid tax penalties. Subject to IRS Guidelines.
Yes. However, you can complete this transaction one time only, for life. You can contribute funds from your IRA to your HSA, up to the IRS limit for your type of HDHP coverage.
No. Alliant HSA debit cards are not eligible for Apple Pay™ at this time.
Yes. Alliant HSA debit cards are eligible for both Android Pay and Samsung Pay mobile payment systems.
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Moved from 8 years with Chase to Alliant, super happy with the switch. I'm a broke millenial, so the HSA is about as close as I am getting to a retirement account for the next couple years, unfortunately. Between the expense ratios and this monthly fee, the first sweep needs to be pretty substantial to recover this, but the fee is flat and given that it costs little to no money to park your high yield checking / savings with Alliant, this seems fair.
HSA Account is great! Easy to apply for. No fees! Great rate
The best and easist HSA to set up and use. Let alone, the best Credit Union in the country.
(and I also belong to the Navy and Elevations C.U.'s)
Started with a HSA sponsored by my former employer and have now added savings and checking accounts. I kept my HSA after retirement and just trust and love Alliant's service and ease of use
In so many respects having an Alliant hosted HSA is EASY. They pretty much rule the "no hassle - no fee - done right" category in a market of HSA acct offerings that looks more like a bunch of "skimmers". Look around, you won't find any offering that is as "honest & service oriented" as this.
Now, if they could just get back to the market leading interest rate that initially attracted me to open the account. What would really be great is a no cost option to use Vanguard ETF & Index products.
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