Disclosures

Deposits & Investments › Savings, IRA & ESA › Mortgage Share › Checking › Convenience Card › ATMs › Health Savings Account - HSA › Certificates Home Loans › Fixed Rate Mortgages › 30 Year Fixed Rate Interest-only Mortgage › 1/1 and 3/1 Adjustable Rate Mortgage › 5/1, 7/1 and 10/1 Adjustable Rate Mortgage › 5/1 and 7/1 Interest-only Adjustable Rate Mortgage › Conventional Home Equity Line of Credit › Fixed Rate Home Equity Loan › Interest-only Home Equity Line of Credit

Consumer Loans › Consumer Loans › Student Loans Visa® Credit Cards › VISA® Disclosure & Credit Card Agreement MEMBER'S CHOICE™ Protection › Mortgages Agreement › Consumer Loans Agreement › VISA® Credit Card Agreement Services › Bill Pay Membership › Account Agreement › Fees

 

Savings, IRA & ESA

The November Savings and IRA Dividend, declared 10/22/2009, provides a Dividend Rate of 1.982%–Compounded Annual Percentage Yield of 2.00% APY. Dividends are paid on the last day of the month to accountholders who have maintained an average daily balance of $100 or more. Savings dividend is subject to change monthly.

Mortgage Share

The November Mortgage Share declared 10/22/2009 provides a Dividend Rate of .25% - Compounded Annual Percentage Yield of .25% APY. Dividends are paid on the last day of the month to accountholders who have maintained an average daily balance of $100 or more in a mortgage share account

Checking

The High Rate Checking Dividend declared 10/22/2009 provides a dividend rate of 1.736% - Compounded Annual Percentage Yield of 1.75% APY. Checking dividends are paid on the last day of the month to High Rate Checking accountholders who have opted out of receiving paper statements and have at least one monthly electronic deposit, e.g. a direct deposit, payroll deposit, ATM deposit, eDeposit, eDepositPlus or transfer from another financial institution. Basic Checking accounts do not earn a dividend. All members have a $1,000 daily ATM withdrawal limit, $2,000 daily signature based and point of sale transactions limit and a $20,000 daily deposit limit. Alliant charges a nominal fee after eight transactions have been performed in a month at non-Alliant ATMs, including CO-OP Network, Credit Union 24 CU Here, Bank of the West, Allpoint and Alliance One ATMs. Not every Allpoint ATM is surcharge-free. Please see our online ATM Locator for a list of ATMs that accept deposits or are surcharge-free. APY=Annual Percentage Yield.

Convenience Card

Refer to the back of the Alliant Convenience Card for a list of networks. Members in good standing and without a ChexSystems record have a $500 daily withdrawal limit and a $10,000 daily deposit limit. Members with a ChexSystems record have a $200 daily withdrawal limit and $0 daily deposit limit. ChexSystems is a consumer reporting agency. Verify deposit capability of ATM. Transactions include balance inquiries, deposits and withdrawals only. Not including access fees charged by other ATM owners. Alliant charges a nominal fee after eight transactions have been performed in a month at non-Alliant ATMs, including CO-OP Network, Credit Union 24 CU Here, Bank of the West, Allpoint and Alliance One ATMs. Not every Allpoint ATM is surcharge-free. Please see our online ATM Locator for a list of ATMs that accept deposits or are surcharge-free.

ATMs

Alliant charges a nominal fee after eight transactions have been performed in a month at non-Alliant ATMs, including CO-OP Network, Credit Union 24 CU Here, Bank of the West, Allpoint and Alliance One ATMs. Not every Allpoint ATM is surcharge-free. Please see our online ATM Locator for a list of ATMs that accept deposits or are surcharge-free.

Health Savings Account - HSA

Health Savings Account (HSA) Dividend declared 10/22/2009, provides a Dividend rate of 2.960% – Compounded Annual Percentage Yield of 3.00% APY. Dividends are paid on the last day of the month to accountholders who have maintained an average daily balance of $100 or more in a HSA.

Flex & Jumbo Certificates (applies to all terms listed below)

$1000.00 minimum deposit required to open an Alliant Certificate and you must be an Alliant member. Alliant Flex Term Certificates are available as Regular Share Certificates and Jumbo Share Certificates. Both types are also offered as Traditional IRA Certificates, Roth IRA Certificates, Coverdell Education Savings Account (ESA) Certificates and SEP Certificates. Prior to opening an IRA Certificate (Traditional, Roth and SEP) or Coverdell ESA Certificate, you must have or establish an IRA or Coverdell ESA with Alliant. You may not add any additional money to your Certificate after opening. Dividends compound monthly and are paid on the last day of the month and at maturity. There are no penalties for monthly dividend withdrawals. Early withdrawal penalties do apply if the Certificate is closed before the maturity date. Monthly dividend withdrawals are not eligible on IRA Certificates if owner is under age 59 1/2 or Coverdell ESA Certificates. Other early withdrawal penalties may apply. Any monthly withdrawals or transfers reduce earnings. Alliant Certificate rates accurate as of 09/24/2009 and may change daily until you lock in your Certificate rate.

12-17 months
Regular Share & IRA Certificates with a term between 12 and 17 months provide a Dividend Rate of 2.129% - Compounded Annual Percentage Yield of 2.15% APY on balances between $1,000 and $24,999.99. Jumbo Share & IRA Certificates with a term between 12 and 17 months provide a Dividend Rate of 2.276% - Compounded Annual Percentage Yield of 2.30% APY on balances $25,000 or greater.

18-23 months
Regular Share & IRA Certificates with a term between 18 and 23 months provide a Dividend Rate of 2.227% - Compounded Annual Percentage Yield of 2.25% APY on balances between $1,000 and $24,999.99. Jumbo Share & IRA Certificates with a term between 18 and 23 months provide a Dividend Rate of 2.374% - Compounded Annual Percentage Yield of 2.40% APY on balances $25,000 or greater.

24-35 months
Regular Share & IRA Certificates with a term between 24 and 35 months provide a Dividend Rate of 2.374% - Compounded Annual Percentage Yield of 2.40% APY on balances between $1,000 and $24,999.99 Jumbo Share & IRA Certificates with a term between 24 and 35 months provide a Dividend Rate of 2.521% - Compounded Annual Percentage Yield of 2.55% APY on balances $25,000 or greater.

36-47 months
Regular Share & IRA Certificates with a term between 36 and 47 months provide a Dividend Rate of 2.813% - Compounded Annual Percentage Yield of 2.85% APY on balances between $1,000 and $24,999.99 Jumbo Share & IRA Certificates with a term between 36 and 47 months provide a Dividend Rate of 2.960% - Compounded Annual Percentage Yield of 3.00% APY on balances $25,000 or greater.

48-60 months
Regular Share & IRA Certificates with a term between 48 and 60 months provide a Dividend Rate of 3.057% - Compounded Annual Percentage Yield of 3.10% APY on balances between $1,000 and $24,999.99 Jumbo Share & IRA Certificates with a term between 48 and 60 months provide a Dividend Rate of 3.203% - Compounded Annual Percentage Yield of 3.25% APY on balances $25,000 or greater.

Consumer Loans

Loan approval, APR and downpayment required based on payment method, creditworthiness, collateral and ability to repay. Rates include automatic payment option. Rates are .4% higher without automatic payment option. Rates terms and conditions are subject to change. APR = Annual Percentage Rate

Student Loans

Loan approval and annual percentage rate (APR) based on creditworthiness and ability to repay, not financial need. The borrower must be a U.S. citizen or legal resident. We may not extend credit to you if you do not meet Alliant criteria. Loan terms up to 12 years. Rates as low as 3.75% APR as of . Rate includes 0.4% discount for automatic payment. Rate is 0.4% higher without automatic payment. The minimum loan amount is $500 and the maximum cumulative loan amount (per membership account) is $75,000. Loan may not be used to consolidate other student loan debt. Loan proceeds may not exceed the total amount needed for expenses associated with attending school. These include, but are not limited to: tuition, books, school fees, room and board, transportation and supplies. Grants, scholarships and other student loans may reduce the amount you may be eligible for, regardless of creditworthiness and ability to repay. The APR adjusts annually, with a 2% per year cap on rate increases/decreases and is based on the highest Prime Rate published in The Wall Street Journal 30 days prior to your anniversary date. Borrower must be an Alliant member and must be the spouse, parent, step-parent, grandparent or guardian of a student enrolled in a K-12, undergraduate, or graduate program; or use the funds for his/her own qualifying education expenses. Students enrolled in a K-12 program must attend a school that is part of a private school association such as NAIS, NIPSA etc. The approved school may not be a proprietary school (a school that is considered a for profit institution), community college, or chiropractic school. Proof of enrollment is required. Acceptable proof of enrollment includes, but is not limited to: the tuition bill, printout of a schedule or an enrollment letter. Documents must include the student’s name, enrollment period and name of the school. Loan disbursement check will be sent directly to the borrower and will be issued to the borrower and the eligible school for those in K-12 programs. Check will be issued to the borrower and co-signer (if applicable) for those in undergraduate and graduate programs. Repayment term begins within 45 days of the disbursement. Minimum payment amount is $50 per month, per loan. Rates, terms and conditions are subject to change. Consult your financial advisor about potential tax savings.

Visa® Credit Cards

Loan approval and APR based on creditworthiness, payment method and ability to repay. Rates, terms, and conditions are subject to change. APR=Annual Percentage Rate.
VISA^® Disclosure & Credit Card Agreement (PDF)

Fixed Rate Mortgages Disclosure

Loan approval, APR, and down payment required based on creditworthiness, amount financed, and ability to repay. We may finance up to 90% of the purchase of a new home, condominium, or townhome up to $417,000; or 80% on the purchase of a second/vacation home. Loan amounts $417,001 to $1,000,000 require a down payment of 20% or more. APR is 0.50% higher on mortgage loans that are $417,001 to $1,000,000 and 1.00% higher from $1,000,001 to $2,000,000. Origination fee is $1,150. Other fees may be assessed, as applicable. Rates, terms, and conditions are subject to change.

Example Fixed Rate Mortgages Monthly Repayment Terms

Loan Type	Rate(%)	Payment Per $1,000
15-Yr. Fixed (180 months)	4.625	7.71
30-Yr. Fixed (360 months)	5.250	5.52

30 Year Fixed Rate Interest-only Disclosure

Loan approval, APR, and down payment required based on creditworthiness, amount financed, and ability to repay. We may finance up to 80% of the purchase or refinance of a new home, condominium, or townhome up to $500,000 and 75% for loan amounts $500,001 to $1,000,000. APR is 0.125% higher on mortgage loans $500,001 to $650,000 and 0.25% on mortgage loans $650,001 to $1,000,000 and 0.50% higher from $1,000,001 to $2,000,000. Origination fee is $1,150. Other fees may be assessed, as applicable. Rates, terms, and conditions are subject to change. The interest only period is for 10 years.

Example 30 Year Fixed Rate Interest-only Mortgages Monthly Repayment Terms

Loan Type	Rate(%)	Payment Per $1,000
30-Yr. Fixed Interest-only (360 months)	5.500	4.58

1/1 and 3/1 Adjustable Rate Mortgage (ARM) Disclosure

Loan approval, APR, and down payment required based on creditworthiness, amount financed, and ability to repay. We may finance up to 80% of the purchase of a new home, condominium, or townhome; or 80% on the purchase of a second/vacation home. Loan amounts up to $1,000,000 require a down payment of 20% or more. APR is 0.125% higher on mortgage loans $500,001 to $650,000 and 0.25% on mortgage loans $650,001 to $1,000,000. Origination fee is $1,150. Other fees may be assessed, as applicable. Rates, terms, and conditions are subject to change. The 1/1 ARM may adjust annually after the first year of the loan based on the 1 Year London Interbank Offered Rate (LIBOR) plus a margin of 2.50 percentage points with a 6% lifetime cap. The 3/1 ARM offers a fixed rate for the initial period of the loan and adjusts to a 1 year ARM after that period. The interest rate and monthly payment may adjust annually based on the 1 Year London Interbank Offered Rate (LIBOR), plus a margin of 2.50 percentage points with a 6% lifetime cap.

5/1, 7/1 and 10/1 Adjustable Rate Mortgage (ARM) Disclosure

Loan approval, APR, and down payment required based on creditworthiness, amount financed, and ability to repay. We may finance up to 90% of the purchase of a new home, condominium, or townhome up to $417,000; or 80% up to $1,000,000. On the purchase of a second/vacation home we may finance 80% up to $500,000 or 75% up to $1,000,000. APR is 0.125% higher on mortgage loans $500,001 to $650,000 and 0.25% on mortgage loans $650,001 to $1,000,000. Origination fee is $1,150. Other fees may be assessed, as applicable. Rates, terms, and conditions are subject to change. The 5/1, 7/1 and 10/1 ARMs offer a fixed rate for the initial period of the loan and adjust to a one year ARM after that period. The interest rate and monthly payment may adjust annually based on the 1 Year London Interbank Offered Rate (LIBOR), plus a margin of 2.50 percentage points with a 5% lifetime cap.

5/1 and 7/1 Interest-only Adjustable Rate Mortgage (ARM) Disclosure

Loan approval, APR, and down payment required based on creditworthiness, amount financed, and ability to repay. We may finance up to 80% of the purchase of a new home, condominium, or townhome up to $500,000 or 75% up to $1,000,000. APR is 0.125% higher on mortgage loans $500,001 to $650,000 and 0.25% on mortgage loans $650,001 to $1,000,000. Origination fee is $1,150. Other fees may be assessed, as applicable. Rates, terms, and conditions are subject to change. The 5/1 and 7/1 interest-only ARMs offer a fixed rate for the initial period of the loan and adjust to a one year ARM after that period. The interest-only period is for 10 years. The interest rate and monthly payment may adjust annually based on the 1 Year London Interbank Offered Rate (LIBOR) plus a margin of 2.50 percentage points with a 5% lifetime cap.

Conventional Home Equity Line of Credit Disclosure

Home equity products are available in the following states: AZ, CA, CO, CT, FL, GA, HI, IA, IL, IN, KY, MA, MD, MI, MN, MO, MT, NC, NJ, NM, NV, NY, OH, PA, TN, UT, VA, WA, WI and Washington, DC. The minimum loan amount is $25,001 in IA, WI and Washington, DC. Offer subject to credit approval, which includes verification of application information and receipt of collateral documents. Rates and closing costs are subject to credit qualifications. Maximum Loan to Value of up to 80% depending on state in which the property is located. Maximum loan to value is 75% in AZ, CA, CT, FL, HI, MA, MD, MI, MN, NJ, NV, OH and VA. We may not extend credit to you if you do not meet Alliant criteria. The annual percentage rate (APR) is a variable rate. Your applicable rate will adjust annually (starting on the anniversary date of your 1st payment), depending upon credit qualifications and loan to value ratio. This rate is based on the highest Prime Rate published in The Wall Street Journal 30 days prior to your anniversary date, plus or minus a margin. Initial rate is based on loan amount, Loan to Value and credit history. The APR range is from 4.00% to 16.0%. Loans without automatic payment selection are subject to an increase in rate and margin of 0.4%. The minimum initial advance is $10,000. No closing costs (excluding applicant ordered appraisals) based on Home Equity Line of Credit (HELOC) loans up to $250,000 and meeting Alliant criteria. A fee of $1,000 is applied to HELOC loans more than $250,000. Costs to satisfy certain prior liens may be assessed. Property insurance is required. Flood insurance may be required. If the state and/or county in which the collateral is located charges additional fees and taxes, the borrower will be responsible for payment. A $200 termination fee may be applied to a HELOC cancelled or closed by the borrower within one year of origination. Refinancing of Alliant home equity products available; $250 fee on loans that do not increase the credit limit by $10,000 or more. Rates, terms, and conditions subject to change. Other restrictions may apply. HELOC loans available on 1 to 2 unit owner occupied dwellings. Consult your financial advisor about potential tax savings. Please consult with an Alliant Loan Representative at 800-328-1935 ext. 5401 for more information on an Alliant Traditional Home Equity Line of Credit.

Fixed Rate Home Equity Loan Disclosure

Home equity products are available in the following states: AZ, CA, CO, CT, FL, GA, HI, IA, IL, IN, KY, MA, MD, MI, MN, MO, MT, NC, NJ, NM, NV, NY, OH, PA, TN, UT, VA, WA, WI and Washington, DC. The minimum loan amount is $25,001 in IA, WI and Washington, DC. Offer subject to credit approval, which includes verification of application information and receipt of collateral documents. Rates and closing costs are subject to credit qualifications. Maximum Loan to Value of up to 80% depending on state in which the property is located. Maximum loan to value is 75% in AZ, CA, CT, FL, HI, MA, MD, MI, MN, NJ, NV, OH and VA. Initial rate is based on loan amount, Loan to Value, term and credit history. We may not extend credit to you if you do not meet Alliant criteria. The annual percentage rate (APR) is a fixed rate, depending upon credit qualifications and loan to value ratio. No closing costs (excluding applicant ordered appraisals) based on home equity loans up to $250,000 and meeting Alliant criteria. Loans without automatic payment selection are subject to an increase in rate and margin of 0.4%. A fee of $1,000 is applied to home equity loans more than $250,000. Costs to satisfy certain prior liens may be assessed. Property insurance is required. Flood insurance may be required. If the state and/or county in which the collateral is located charges additional fees and taxes, the borrower will be responsible for payment. Refinancing of Alliant home equity products available; $250 fee on loans that do not increase the balance by $10,000 or more. Rates, terms, and conditions subject to change. Other restrictions may apply. Home equity loans available on 1 to 2 unit owner occupied dwellings. Consult your financial advisor about potential tax savings. Please consult with an Alliant Loan Representative at 800-328-1935 ext. 5401 for more information on an Alliant Fixed Rate Home Equity Loan.

Interest-only Home Equity Line of Credit Disclosure

Home equity products are available in the following states: AZ, CA, CO, CT, FL, GA, HI, IA, IL, IN, KY, MA, MD, MI, MN, MO, MT, NC, NJ, NM, NV, NY, OH, PA, TN, UT, VA, WA, WI and Washington, DC. The minimum loan amount is $25,001 in IA, WI and Washington, DC. Offer subject to credit approval, which includes verification of application information and receipt of collateral documents. Rates and closing costs are subject to credit qualifications. Maximum Loan to Value of up to 80% depending on state in which the property is located. Maximum loan to value is 75% in AZ, CA, CT, FL, HI, MA, MD, MI, MN, NJ, NV, OH and VA. Initial rate is based on loan amount, Loan to Value and credit history. We may not extend credit to you if you do not meet Alliant criteria. The annual percentage rate (APR) is a variable rate. Your qualifying rate may adjust monthly and is based on the highest Prime Rate as published in The Wall Street Journal as of the date of any rate adjustment plus or minus a margin. The APR range is from 4.00% to 16.0%. Loans without automatic payment selection are subject to an increase in rate and margin of 0.4%. The minimum initial advance is $10,000. No closing costs (excluding applicant ordered appraisals) based on Interest-only Home Equity Line of Credit (HELOC) loans up to $250,000 and meeting Alliant criteria. A fee of $1,000 is applied to Interest-only HELOC loans more than $250,000. Minimum payment will not repay principal, which will result in a balloon payment at the end of the 7-year draw period. Costs to satisfy certain prior liens may be assessed. Property insurance is required. Flood insurance may be required. If the state and/or county in which the collateral is located charges additional fees and taxes, the borrower will be responsible for payment. A $200 termination fee may be applied to an Interest-only HELOC cancelled or closed by the borrower within one year of origination. Refinancing of Alliant home equity products available; $250 fee on loans that do not increase the credit limit by $10,000 or more Rates, terms, and conditions subject to change. Other restrictions may apply. Interest-only HELOC loans available on 1 to 2 unit owner occupied dwellings. Consult your financial advisor about potential tax savings. Please consult with an Alliant Loan Representative at 800-328-1935 ext. 5401 for more information on an Alliant Interest-only Home Equity Line of Credit.

MEMBER’S CHOICE™ Protection

Home Loans Agreement (PDF)
Consumer Loans Agreement (PDF)
VISA® Credit Card Agreement (PDF)

Bill Pay

An Alliant checking account is required for use with Alliant Bill Pay. There are no fees to maintain a Bill Pay account. However, if incurred, applicable fees such as a stop payment fee will apply. Please refer to the Alliant Fee Schedule for a complete list of these type of fees.

Account Agreement and Disclosures

Account Agreement and Disclosures (PDF)

Fees

Fee Schedule (PDF). Fees subject to change.