Earn 1.25% APY on your money with an Alliant High-Rate Savings Account.
Earn rewards, get cash back or take advantage of a low standard variable rate.
Award-winning. Great rates. Free High-Rate Checking. 24/7 service.
Earn top dollar with rates up to 2.25%APY.
Whether you're saving for a wedding, vacation, new car or a charitable donation, a separate savings account is the perfect strategy for reaching your goal.
With an average daily balance of $100 or more
Our mobile app gives you access to your Alliant Account in the palm of your hand.
Download the Mobile App
You can create a Supplemental Savings Account online to save for anything - a vacation, wedding, emergency fund, and more.
You can open up to 19 supplemental accounts. Just remember, keep an average daily balance of $100 or more in each account to take advantage of Alliant’s high savings dividend rates.
Depositing money into your Supplemental Savings Account is fast and easy with our mobile deposit app.
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The only difference is that a supplemental savings is an additional savings account. You can name each account based on your specific financial goals — saving up for a vacation, making a large purchase, etc. — allowing you to more easily track your progress toward that goal.
Supplemental Savings Accounts can be opened in just a few easy steps in Alliant Online Banking. These accounts, dedicated to a particular financial need (emergency fund, holiday gifts, weddings, vacations, etc.), are a great way to reach your savings goals.
To optimize your savings, set up automated recurring transfers to your new account. Just select Transfer Money and indicate the account you want the money transferred from.
Please note that while there is no minimum balance required to keep your account open, you need to maintain an average daily balance of $100 to be eligible for dividends on your account.
Yes. You can have up to 19 supplemental savings accounts.
The number of withdrawal transactions from savings accounts are limited by federal law.
The minimum balance to keep your savings account open is $5. To earn interest, you must maintain a daily average minimum balance of $100. Alliant interest is paid monthly.
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 withdraw 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.
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).
Alliant offers an "Official Credit Union Check" that function the same as a Cashier's Check. You can get an Official Credit Union Check by requesting one through Alliant Online Banking, by calling Alliant Phone Banking at 800-328-1935, or by visiting an Alliant Branch. Funds are deducted from your account at the time the Official Credit Union check is issued. There is no fee for the issuance of an Alliant Official Credit Union check unless you request that the check mailing be expedited, in which case you will be charged for express shipping.
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We set up this account in our executor's name so they would have funds available for their expenses while settling our estate. Any monies left over in this supplemental account is for them.
I break up all my yearly expenses into monthly ones and set up auto transfers to make sure the right amount of money gets set aside for them every month. It's hugely simplified my savings, and just this month a $250 bill came due a little early - with no problems, since I'd already set the money aside in its own dedicated account.
Honestly, I joined Alliant 100% because of supplemental savings accounts. I knew I wanted to bank with an institution that 1) Let me categorize my savings goals in a more granular way, 2) Was a credit union, and 3) Had the best interest rates I could find provided that conditions 1) and 2) were met. Alliant fit the bill!
My original credit union suggested that members have Christmas Club and Vacation Club accounts. The first one automatically rolled into my checking account when the annual gift buying season rolled around each year, and I could roll over the second account once per year on a date of my choosing. With Alliant, I set up two supplemental savings accounts for different purposes: my December property tax payment, and college tuition payments for the other. In both cases, I always have the option to move the money when're I wish. Also, for all three savings accounts, the amount coming into each one happens when my paycheck is directly deposited into my checking account. This helps to make my savings goals painless, and keeps me on track.
I love my supplemental savings account. It easily lets me label the account for a particular savings goal, and I can automate transfers to that account on payday.
Alliant lets me put my savings on autopilot, so I can worry about the bigger things.
Having more than one savings account at Alliant allows me to manage my spending. There are a variety of uses for supplemental savings accounts. In addition to the standard savings account, I have a separate Real Estate savings account for my mortgage, homeowners association, and real estate taxes; the mortgage and homeowners fee are automatically withdrawn from this account. I also add to this for home repairs and improvements. I have another savings account for College savings which I use to pay tuition and other college expenses for my child. Through my employers’ payroll I am able to direct deposit a set amount into each of these accounts.
The fact that they let us have supplemental savings A/C for free is a reason why this CU is one of the best.
I have multiple scheduled transfers leaving and coming into these savings A/C and it has been effortless.
The only qualm is the inability to delete one without contacting customer service.
Thanks for this service!
I love how Alliant allows us to have multiple supplemental savings accounts. It really helps me to remember why I put money aside! Also, no fees to do this and great customer service!!
The Alliant partnered Savedaily Self Investment program has great customer service. Unfortunately the program is very difficult to navigate and is not user friendly. I also use Vanguard and Fidelity electronic investment programs and have no problem with self directing money in and out of those funds.
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