Earn big with flexible certificates

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!

The Run Down
  • Low minimum deposit of only $1,000; no maximum57
  • Flexible maturity dates - choose dates from12 to 60 months57
  • Dividends compounded every month and at maturity57
  • Funds are insured up to $250,000 by NCUA
  • Note: You must first join Alliant to open a certificate.
2.80 %
APY 57
2.76 %
As High As

View All Certificates Rates

A savings account to help you win

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Certificates 101

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even better interest rate on your money than you would get in a savings account because we know that the money won’t be withdrawn for an extended period.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.

Existing Alliant members can open a certificate in Alliant online banking. If you're not already an Alliant member, you'll first need to join by opening an Alliant High-Rate Savings Account.

Flexible timelines

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.

Certificate ladders

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.

Dividend Withdrawals

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and close a certificate before it matures, the early withdrawal penalty (normally deducted from earnings) is withdrawn from your principal instead, as earnings have already been paid to you.

It’s easy to get started!

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.

Compare Alliant Credit Union Certificates

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.


Rate up to 2.80% APY
Consider If

You don’t need access to your funds for at least 12 months, and you’d like to increase your investment returns

Rate up to 2.80% APY
Consider If

You are saving for retirement with before-tax money

Rate up to 2.80% APY
Consider If

You are saving for retirement with after-tax money

Rate up to 2.80% APY
Consider If

You are self-employed and saving for retirement

Certificate Rates

Term Dividend Rate(%) / APY(%)
12-17 Months 1.49 / 1.50
18-23 Months 1.98 / 2.00
24-35 Months 2.08 / 2.10
36-47 Months 2.18 / 2.20
48 Months 2.37 / 2.40
60 Months 2.76 / 2.80

Let Me Know When Alliant Rates Gets Even Better

Attention California residents: You can find Alliant’s California Privacy Statement, as required by the California Consumer Privacy Act, by clicking here.

Alliant Credit Union Certificate FAQs

How can I open a certificate?

For your convenience, we offer four easy ways to open a certificate:

  • In Alliant online banking, select Open a New Account from left sidebar (under list of your accounts). Please note: Individual Retirement Account (IRA) certificates can't be opened through online banking.
  • By phone at 800-328-1935, with personal assistance.
  • By mail using our Certificate Application.

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.

What is the minimum deposit needed to establish a certificate?

The minimum deposit amount needed to open a certificate is $1,000. 

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

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)
12-17 months 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)
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 monthly statement. You can also verify dividends earned on your certificate through online banking and phone banking, 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

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