Dream big. Save bigger.

Put your money into an Alliant High-Yield Savings Account and earn 14.3x the bank industry average on your savings.

High Yield Savings Account
The Run Down
  • 14.3x higher rate71 than what most banks pay
  • No maximum balance limit
  • Over 80,000 surcharge-free ATMs
  • No monthly fees for members electing eStatements
  • Just $5 initial deposit required — and we will pay it for you!
  • Free Convenience Card25 for ATM access
  • NCUA insured to at least $250,000
1.00 %
0.995 %

With an average daily balance of $100 or more. 

Members Scholarship

Alliant’s Members Scholarship Program awards five scholarships, $2,000 each.

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Easy access, anywhere

Access your account however you like

There are numerous, easy ways to access your savings account:

Free convenience card for ATM use

Apply for a free Convenience Card to access your high-rate savings account across our nationwide network of 80,000+ surcharge-free ATMs.

  • Withdrawals (up to $500 per day in cash)25
  • Deposits (up to $10,000 per day)25
  • Check account balances
  • Transfer money between accounts

With our huge ATM network, you can be confident there is an ATM near you, wherever you happen to be.

Quick online application

You can complete the high-rate savings account application using our convenient online form. Open a savings account online to start earning more.42

Depositing checks is a snap!

Depositing money into your high-yield savings account is easy with our mobile deposit app.

Use your savings account for Overdraft Protection

Your savings account can help you avoid getting dinged by overdraft penalties in your checking account. Increase your peace of mind by opting in for free Overdraft Protection25. When needed, we’ll automatically transfer money to your checking account to avoid overdrafts. You’ll only pay a small $3 fee for each day you use Overdraft Protection.

High-Rate Savings Account Rates63

1.00 %
0.995 %

Let Me Know When Alliant Rates Gets Even Better

High-yield savings fees

Non-standard service fees may apply, please view our full fee schedule. Fees subject to change.

Paper Account Statement Fee (each) $1

High-rate savings FAQs

Can I really open a savings account with just $5?

Yes. And, Alliant will now pay you $5 for opening a savings account!

Is there a minimum balance for my savings account?

The minimum balance to keep your savings account open is $5.

Do I have to maintain a minimum balance to get dividends?

To qualify for dividends, you must maintain a daily average minimum balance of $100. Alliant dividends are paid monthly.

Can I use my convenience card to make purchases?

No. The Alliant Convenience Card is only for making transactions through an Alliant network ATM.

Are there any transaction restrictions for savings accounts?

Federal law limits the number of withdrawal transactions from savings accounts.

What is a preauthorized transaction?

A preauthorized transaction includes any arrangement with Alliant to pay a third party from your account upon verbal or written requests, including those received through the automated clearing house (ACH).

Why can’t I get a debit card for my savings account?

Savings accounts are a convenient way for members to save money. Federal regulations restrict the number of electronic transactions on savings accounts to six per month, excluding personal withdrawals. For this reason, we provide members a limited-use Convenience Card, which permits members to withdrawal cash from Alliant network ATMs. We encourage members to open a checking account for more flexible access to their money, while relying on a savings account for their money to remain and grow.

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