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Tired of big bank certificate rates that earn almost nothing? Try the alternative — an Alliant Credit Union Certificate that gives you the returns you deserve. Pick your maturity date and start earning today!
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Do you have an extra $1,000+ that you won't need to use soon? A certificate is the perfect way to use your money knowing you'll be earning top dollar. An Alliant Credit Union Certificate gives you an even better interest rate on your money than you would get in a savings account because we know that the money won’t be withdrawn for an extended period.
Certificates are often referred to as CDs, non-liquid accounts, or time deposits. Almost all banks offer certificates, but with an Alliant Credit Union Certificate, you'll get a rate of return that is far above industry averages. A certificate is a very safe investment.
Alliant Certificates offer top market dividend rates on the timetable you set as you plan for life's big moments. When you open your certificate, you'll select a maturity date of 12-48 months or 60 months. If you need to withdraw your funds before the maturity date, you can do so, but you may incur an early withdrawal penalty.
Use our highly flexible certificates to generate even more savings by creating a certificate ladder. You can learn more about certificate ladders on our blog, the Alliant Money Mentor.
The Dividend Withdrawal option lets you receive an interest payment each month rather than earning compounded interest. There is no penalty for dividend withdrawals, but they reduce earnings (because interest doesn't compound). Also, if you opt for dividend withdrawals and close a certificate before it matures, the early withdrawal penalty (normally deducted from earnings) is withdrawn from your principal instead, as earnings have already been paid to you.
There are three easy ways to open an Alliant Credit Union Certificate:(Please note: IRA accounts cannot be opened through online banking.)
Log in to online banking and select "Open an Account."42
Call us at 800-328-1935 for personal assistance.
Print and mail our certificate application.
We’re always here to help. Call an Alliant investments expert at 800-328-1935. We’ll help guide you towards the perfect credit union certificate for your unique situation. Please Note: In order to open a traditional IRA, Roth IRA, or SEP IRA you must open the respective account type first. For example, to get a traditional IRA certificate, first you must open a traditional IRA account.
You don’t need access to your funds for at least 12 months, and you’d like to increase your investment returns
You are saving for retirement with before-tax money
You are saving for retirement with after-tax money
You are self-employed and saving for retirement
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Attention California residents: You can find Alliant’s California Privacy Statement, as required by the California Consumer Privacy Act, by clicking here.
For your convenience, we offer four easy ways to open a Certificate:
You must have an active Alliant Savings Account or Alliant Trust Account with at least a $5 balance in the account before a Certificate can be opened.
Note: Certificate accounts cannot be opened through our automated phone banking service.
The minimum deposit amount needed to open a certificate is $1,000.
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.
If you withdraw funds from an Alliant Certificate before the maturity date, you may incur an early withdrawal penalty, per the table below.
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 monthly statement. You can also verify dividends earned on your certificate through online banking and phone banking, our 24-hour automated phone service.
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.
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.
At our discretion, we may allow withdrawals from the account before maturity without imposing an early withdrawal penalty under one of the following circumstances:
Tax laws are subject to change. Contact a tax professional for more details.
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.
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You are leaving an Alliant Credit Union website and are about to enter a website operated by a third-party, independent from Alliant Credit Union. Alliant Credit Union does not manage the operation or content of the website you are about to enter. Alliant Credit Union is not responsible for the content and does not provide any products or services at this third-party website. The privacy and security policies of the site may differ from those of Alliant Credit Union.
