Certificates

Earn More with an Alliant Certificate

Alliant Certificate Accounts are flexible and offer above-market dividend rates. Whether your goal is to save money for a future expense, boost your retirement savings, or move money from an investment elsewhere, Alliant Certificates are the perfect way to save and earn more.

Regular Certificate
(min. deposit $1,000)
1.55% APY
(as high as)
  • Pick your maturity date. View all Certificate terms & dividend rates
  • Lock in your dividend rate for the entire term when you open your account
  • Dividends compound monthly and at maturity
  • Federally insured by the National Credit Union Administration (NCUA)
  • Automatically renews upon maturity, or transfer the funds into an account or IRA of the same type
  • Unlike stocks and bonds, certificate dividend rates don't fluctuate with market conditions

It’s Easy to Open an Alliant 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 800-328-1935 with 24/7 personal assistance
  • By mail Certificate Application
  • In person at an Alliant Service Center


Dividend Withdrawals:

You may elect to withdraw the dividends earned on the Certificate. Dividend withdrawals may reduce earnings. There are no penalties for dividend withdrawals.

Early Withdrawal Penalty:

No partial withdrawals are allowed. The amount of the early withdrawal penalty is based on the term of the account and assessed according to the following schedule. You will never lose principal after your Certificate has been opened for more than 7 days.

  • 1 to 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 a maximum of 90 days of dividends
  • For 18 - 23 month term Certificates: dividends earned for the number of days the Certificate is open up to a maximum of 120 days of dividends
  • For 24 - 60 month term Certificates: dividends earned for the number of days the Certificate is open up to a maximum of 180 days of dividends

Exception to Early Withdrawal Penalties:

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

  1. When the account owner dies or is determined legally incompetent by a court or other body of competent jurisdiction.
  2. Where 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 where the account is an IRA and the owner attains age 70 ½.
  3. Where 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.
  4. When the account owner moves the Certificate funds to Alliant Retirement and Investment Services. Note: Certificate must be open at least seven days.

APY = Annual Percentage Yield. View Disclosures

Frequently Asked Questions

What is the minimum deposit to establish a Certificate?
The deposit amount to open a Share Certificate is $1,000 to $24,999. The minimum deposit for a Jumbo Certificate is $25,000.

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.

Do Certificates automatically renew at maturity?
You have two renewal options when you open a Share or IRA Certificate:

  • Automatic renewal to a certificate of the same type and term
  • Transfer the funds into a share account or back to your IRA of the same type.

You can change the renewal option any time during the term of the certificate.

What types of Certificates do you offer?

  • Share Certificates (known as "Certificates")
  • Traditional IRA Certificates
  • Roth IRA Certificates
  • SEP IRA Certificates
  • Coverdell Education Savings Account Certificates

Can I deposit additional funds to my Certificate after it has been funded?
You cannot add money to a Certificate after it has been funded. Funds can be added to the certificate during the 10 day grace period after maturity.

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

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 800-328-1935 with 24/7 personal assistance
  • By mail Certificate Application
  • In person at an Alliant Service Center

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

Can I open a Certificate on SST (Self Service Telephone)?
No. Certificate accounts cannot be opened through SST.

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.

If the Certificate is established for a minor, it is highly recommended that you add a joint owner to the account. Joint owners and beneficiaries on Certificates may be different from the joint owners or beneficiaries on your share account. However, for IRA Certificates, the beneficiaries currently listed on the IRA account are used for the Certificate as well. A joint owner or one or more beneficiaries cannot be added to a Certificate over the phone.

What will the dividend rates be for Certificates and how often will they change?
Alliant Certificate dividend rates will be above-market. That means, with the exception of teaser dividend rates, they will generally be higher than dividend rates offered elsewhere on similar products, such as Certificates of Deposit. You can check our dividend rates on the rate board or in our monthly newsletters. Certificate dividend rates will also be posted in our Service Center locations.

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 statement. You can also verify dividends earned on your Certificate through online banking and on Self Service Telephone (SST), our 24-hour automated phone service.

Is there a penalty if I withdraw Certificate funds prior to maturity?
No partial withdrawals are allowed, however, you may elect to withdraw the dividends earned on the Certificate without incurring a penalty. Dividend withdrawals may reduce earnings.

We allow members a 10-day grace period starting on the maturity date to withdraw funds without being charged an early withdrawal penalty.

Early withdrawal penalties do apply if the Certificate is closed before maturity and are assessed as follows:

  • 1 - 7 days: 7-days of dividends
  • 12 - 17 months: dividends earned for the number of days the Certificate is open up to a maximum of 90 days of dividends
  • 18 - 23 months: dividends earned for the number of days the Certificate is open up to a maximum of 120 days of dividends
  • 24 - 60 months: dividends earned for the number of days the Certificate is open up to a maximum of 180 days of dividends

If you wish to move your Certificate funds to Alliant Retirement and Investment Services, you must wait until 7 days after your Certificate has been opened. Other exceptions to early withdrawal penalties may be allowed.

You will never lose principal (the money you put into the Certificate) after your Certificate has been opened for more than 7 days.

Are there any exceptions to the early withdrawal penalty?
At our option, we may allow withdrawals from the account before maturity without imposing an early withdrawal penalty under one of the following circumstances:

  1. When the account owner dies or is determined legally incompetent by a court or other body of competent jurisdiction.
  2. Where 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 where the account is an IRA and the owner attains age 70½.
  3. Where 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.
  4. When the account owner moves the Certificate funds to Alliant Retirement and Investment Services. If you wish to move your Certificate funds to Alliant Retirement and Investment Services, you must wait until 7 days after your Certificate has been opened. Other exceptions to early withdrawal penalties may be allowed.

What happens when a Certificate reaches the end of its term?
A maturity notice will be mailed to you at least 15 days prior to maturity and you will have a choice of changing the option you chose when you opened your certificate.

  • Renew to a Certificate of the same type and term
  • Renew to a different type or term
  • Transfer the funds into a deposit account or back to your IRA of the same type

We allow members a 10-day grace period after maturity to withdraw funds without being charged an early withdrawal penalty.

If I renew a Certificate, what will the dividend be?
The dividend rate for the renewal Certificate will be the dividend rate for that product on the day of renewal.

Are Certificate accounts insured?
Yes, Certificates are insured by the NCUA.

Certificate accounts through Alliant Retirement and Investment Services are not insured by the NCUA.

The LPL Financial Registered Representatives associated with this site may only discuss and/or transact securities business with residents of the following states: AL, AK, AZ, AR, CA, CO, CT, DE, DC, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, MA, MD, ME, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, WY. Securities and advisory services offered through LPL Financial, a registered investment advisor. Member FINRA/SIPC. Insurance products offered through LPL Financial or its licensed affiliates.

• Not NCUA Insured • No Credit Union Guarantee • May Lose Value

Alliant Credit Union and Alliant Retirement and Investment Services are not registered broker/dealers and are not affiliated with LPL Financial.

*CFP®=CERTIFIED FINANCIAL PLANNER™ The financial consultants of Alliant Retirement and Investment Services are registered representatives of LPL Financial.

APY = Annual Percentage Yield. View Disclosures

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