Earn more interest with an online savings account

Quickly build your savings with rates 15x the bank industry average!71

High-rate online savings account, person on dock
The Run Down
  • Access anywhere with Alliant Mobile and Online Banking
  • Earn more on your money with no maximum balance limit
  • No monthly fee if you elect eStatements
  • Just $5 initial deposit required (and we'll pay it for you!)
  • Make deposits and withdrawals at thousands of ATMs nationwide
Rates
1.65 %
APY
1.64 %

With an average daily balance of $100 or more. APY= Annual Percentage Yield.63 

Bank on the Go!

Our mobile app gives you access to your Alliant Account in the palm of your hand.

Download the Mobile App


Best Savings Accounts 2018 - NerdWallet

"Best Savings Accounts 2018" - NerdWallet

Best Savings Accounts 2018 - WalletHub

"Best Savings Accounts 2018" - WalletHub

Best Online Savings Accounts 2017 - MagnifyMoney

"Best Online Savings Accounts 2017" - MagnifyMoney


Bank on your terms with Alliant's high-rate online savings account

24/7 access

Conveniently manage your money via Alliant Mobile Banking, Alliant Online Banking or one of 80,000+ in-network ATMs. Or, call us at 800-328-1935.

Mobile check deposit

Use your smartphone and Alliant Mobile Banking to make deposits from anywhere.

Easy transfers

Easily move money between your Alliant online savings account and your other accounts, including accounts outside Alliant.

Open multiple savings accounts online

Once you're an Alliant member, save for specific goals and earn Alliant's high rates by opening up to 19 online savings accounts (called "supplemental savings accounts").

Our High-Rate Savings Account helps you save for life’s important things

With no maximum balance limit and no monthly fee (if you elect eStatements), you’ll be able to earn even more on your money.

How to open your Alliant High-Rate Savings Account online40,42

Ready to get a high rate on our online savings account? Apply from your smartphone or desktop, 24/7.

  1. Gather your personal info, including your government issued ID and Social Security (or ITIN) number.

  2. Fill out your online application.

  3. Once your application is approved, fund your account by setting up online transfers via Alliant Mobile or Online Banking.

High-Rate Savings Account Rates63

1.65 %
APY
1.64 %

Let Me Know When Alliant Rates Gets Even Better

High-rate savings FAQs

Do I have to maintain a minimum balance to have a savings account or to earn interest?

The minimum balance to keep your savings account open is $5. To earn interest, you must maintain a daily average minimum balance of $100. Alliant interest is paid monthly.

Are there any transaction restrictions for savings accounts?

Federal regulations limit pre-authorized withdrawals to six per month per savings account.

Is there a minimum balance for my savings account?

The minimum balance to keep your savings account open is $5.

How do I open a supplemental savings account in Alliant Online Banking?

Online banking makes it simple to open Supplemental Savings accounts.

1. At the bottom of the left column (under the listing of your Alliant accounts), click on "Open a new account." 

2. On the "Open New Account" page, select "Supplemental Savings," then follow the prompts to name your account, add a joint owner if applicable, and fund the account. Note that you may choose to open a Supplemental Savings account with a $0 balance and add funds later.

If you have questions about opening a new Supplemental Savings account, send us a secure message in online banking (click "Messages" at the top of any online banking page) or mobile banking (click the talk icon at the top left of the app, then select the "Send a secure message" button) or call us at 800-328-1935.

What’s the difference between a regular savings account and the supplemental savings account?

The only difference is that a supplemental savings is an additional savings account. You can name each account based on your specific financial goals — saving up for a vacation, wedding, emergency fund, etc. — allowing you to more easily track your progress toward that goal.

Can I have more than one supplemental savings account?

Yes. You can have up to 19 supplemental savings accounts.

Do I have a mobile deposit limit?

Your current mobile deposit limit will appear below the amount field once you select an account. Your deposit limits can vary depending on your eligible accounts. For more information, tap the note icon at the bottom of the deposit screen.

How do I find an ATM in the Alliant network?

You can quickly access Alliant’s massive network of surcharge-free ATMs by visiting our website. Find an ATM here.

What is an Alliant Savings ATM Card?

An Alliant Savings ATM Card is an EMV chip card that can be used at ATMs to give you access to the funds in your Alliant Savings Account. Alliant Savings ATM cards are issued only to members who do not have an Alliant checking account debit card. Please refer to our Alliant Savings ATM Card frequently asked questions.

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