Lock in growth with a certificate

Predictable and safe returns with rates that outperform big banks

★★★★★

Best CD Rates

Business Insider

★★★★★

Best Credit Union CD Rates

USA Today

★★★★★

Top Ten Best CD Rates

Fortune

Certificate Features

Low minimum deposit

Whether you’re just getting started or looking to invest more, our low minimum deposit of only $1,000 lets you save at any level.57

Pick the perfect term for you

Choose the term that best meets your financial goals. Alliant offers certificate terms between 3 to 60 months.57

Dividends build monthly

Dividends are compounded each month and at the time of maturity, leading to greater growth by the time your certificate matures.57

More wins, less worry when you bank with Alliant

Jumbo certificate

Invest $75,000 or more in a singular certificate and you may qualify for a higher rate.57

Certificate laddering

Benefit from longer-term interest rates while maintaining access to portions of your savings with a strategy called Certificate Laddering.

Certificates for all savings goals

Choose between a certificate, a Traditional IRA certificate, Roth IRA certificate or SEP IRA certificate. Before opening any certificate, you must open the respective account type. For IRA certificates, call an Alliant investments expert at 800-328-1935.

24/7 state-of-the-art fraud monitoring

Receive alerts via text message, email or mobile app to keep you informed when there's unusual account activity.

NCUA insured

Rest easy knowing the funds in your Alliant deposit accounts are federally insured up to $250,000.

Easy fund directly from any external or Alliant account

  • From online banking: Login to online banking, navigate to Explore Products and click on Open Now to choose the certificate that best suits your financial goals.
  • From the mobile app: Log in to your mobile app and click on Open a Certificate in the top navigation to start the process right from your phone.
  • From an external account: If you are an existing member, open a new certificate in online or mobile banking and select an external account to transfer funds into your certificate.
  • If you are not an Alliant member. Select the online Alliant membership application to easily open and fund your certificate today.

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Discover how certificates work, how they grow your savings and how simple it is to get started.

Estimate your Savings

Certificate Calculator

Determine your returns based on your initial deposit and term length.

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Dividends Earned

 

This calculator and the estimates shown are intended for illustrative and informational purposes only and may not apply to your individual circumstances. The calculations shown assume that principal and dividends remain on deposit for the duration of the certificate term. Any features or monthly withdrawals will reduce earnings. Actual dividends earned will depend on the certificate term, amount deposited, and rate at the time of opening a certificate. Earnings estimates may not be completely accurate due to rounding during the calculations. This calculator does not constitute a guaranteed financial outcome and is not intended to provide investment advice. Please seek advice from qualified professionals regarding all personal finance issues.

Articles and Resources

Certificate Rates

Term APY Dividend Rate
3-month 3.10% 3.06%
3-month jumbo ($75000+) 3.10% 3.06%
6-month 4.10% 4.03%
6-month jumbo ($75000+) 4.10% 4.03%
12-month 4.30% 4.22%
12-month jumbo ($75000+) 4.35% 4.27%
18-month 3.80% 3.74%
18-month jumbo ($75000+) 3.85% 3.78%
24-month 3.70% 3.64%
24-month jumbo ($75000+) 3.80% 3.74%
36-month 3.65% 3.59%
36-month jumbo ($75000+) 3.75% 3.69%
48-month 3.65% 3.59%
48-month jumbo ($75000+) 3.70% 3.64%
60-month 3.65% 3.59%
60-month jumbo ($75000+) 3.70% 3.64%

FAQs

How can I open a certificate?

For your convenience, we offer several easy ways to open an Alliant certificate. If you're already an Alliant member, just log in to online banking, select ‘Explore Products’ and then ‘Certificate’ and follow the prompts. If you're not yet a member, simply select Certificates from the list of account types in the online Alliant membership application. Note: Individual Retirement Account (IRA) certificates cannot be opened through online banking.

Can I change the type or term of my certificate after it is opened?

No. You cannot change the type or term of a certificate after it has been opened. Changes to the type or term can only be made at maturity.

Is there a penalty if I close my Alliant certificate early?

If you withdraw funds from an Alliant certificate before the maturity date, you may incur an early withdrawal penalty, per the table below.

Term of Certificate Early Withdrawal Penalty
(days of dividends lost)
17 months or less Number of days the certificate is open, up to 90 days 
18-23 months Number of days the certificate is open, up to 120 days
24-48 or 60 months Number of days the certificate is open, up to 180 days
During 7-day grace period for new certificates 7 days (no dividends are earned). A penalty will be applied from the principal balance.

When will dividends post to certificates?

Dividends will post to the certificate on the last day of every month and at maturity. Dividends earned on your certificate will appear on your monthly statement. You can also verify dividends earned on your certificate through online banking or through our 24-hour automated phone service.

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.

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. Please note: Individual Retirement Account (IRA) Certificates can't be opened through online banking. To open an IRA certificate, call 800-328-1935 between 8:30 a.m. and 5:00 p.m. Monday through Friday.  

Are there any exceptions to the certificate early withdrawal penalty?

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

  • When the account owner dies or is determined legally incompetent by a court or other body of competent jurisdiction.
  • When 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 when the account is an IRA and the owner attains age 72.
  • When 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.

Tax laws are subject to change. Contact a tax professional for more details.

Are my account funds insured to protect me from loss?

Alliant deposit accounts are federally insured up to $250,000 by the NCUA. To learn the details of funds coverage, visit the NCUA page on the Alliant website

Do certificates automatically renew at maturity?

Your share certificate will be defaulted to automatic renewal to a certificate of the same type and term. You can change the renewal option any time during the term of the certificate through either online banking or the mobile app.