Bank like a financial pro with the Alliant mobile app. Make payments, deposit checks, manage cards and so much more.
Renovate your kitchen, pay off high-interest debt, or have access to emergency funds when you need it with an Alliant Home Equity Line of Credit.
Browse new and used vehicle inventory, and qualify for a rate discount when you buy!81
Separate each of your savings goals into an Alliant Supplemental Savings Account so you can visualize your progress.
Predictable and safe returns with rates that outperform big banks
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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
Choose the term that best meets your financial goals. Alliant offers certificate terms between 3 to 60 months.57
Dividends are compounded each month and at the time of maturity, leading to greater growth by the time your certificate matures.57
Invest $75,000 or more in a singular certificate and you may qualify for a higher rate.57
Benefit from longer-term interest rates while maintaining access to portions of your savings with a strategy called Certificate Laddering.
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.
Receive alerts via text message, email or mobile app to keep you informed when there's unusual account activity.
Rest easy knowing the funds in your Alliant deposit accounts are federally insured up to $250,000.
Discover how certificates work, how they grow your savings and how simple it is to get started.
Determine your returns based on your initial deposit and term length.
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.
What is a certificate (CD) account? Discover all you need to know
Income generated by a savings plan
What are certificates and how can they help you navigate retirement planning
Anyone is eligible to apply. If you're not sure how you're eligible, join the Alliant Credit Union Foundation during the application at no cost. Note: A $1,000 minimum deposit is required for regular certificates and $75,000 for jumbo certificates.
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.
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.
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 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.
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. 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.
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.
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.
You are leaving Alliant’s website to enter a website hosted by an organization separate from Alliant Credit Union. The products and services on this website are being offered through LPL Financial or its affiliates, which are separate entities from, and not affiliates of, Alliant Credit Union.The privacy and security policies of the site may differ from those of Alliant Credit Union.
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.
