We’ll pay you back up to $20/month in ATM charges if you use an out-of-network ATM to access your checking account.
Want a low rate? High rewards? A prestige cashback card? We’ve got the right card for your needs.
Simplify your life and save money when you refinance.
Alliant returns profits to our members through higher savings rates, lower loan rates, and fewer fees. And we make it easy to bank with 24/7 account access.
Teen Checking – with smart limits and parental monitoring – helps you teach money skills.
Don't be an anonymous loan number. At Alliant, we work with you personally and want to know your story. Whether purchasing or refinancing, we want to help you with your home ownership goals.
Purchase rates shown above. Rates can vary based on individual loan characteristics. Displayed rates reflect a 45-day lock period. Longer lock periods available. Get a custom quote.
Our Alliant Home Rewards program pairs you with a local real estate agent and a mortgage loan officer who will guide you through the entire home buying process. And we can help you sell your current home too!
Plus, within 45 days after your closing, we’ll give you a cash back rebate of up to $6,500 when you buy or sell, and up to $13,000 if you buy and sell through the program!88
In select cities, Alliant Home Rewards can even provide online tools to help you learn about the local market and find prospective homes.
Traditional mortgages sometimes create roadblocks to buying a home; they may want a large down payment or require private mortgage insurance (PMI) if you haven’t saved up 20% of your home’s value. But the Alliant Advantage Mortgage (AAM) program helps you overcome these common barriers to homeownership.
Alliant’s 0% down product for first-time homebuyers offers loan amounts up to $500,000, with no pricey PMI payments and a variety of term options available.
If you’re not a first-time homebuyer, you’re probably already sick and tired of paying PMI. When the milestone of reaching 20% home equity to end your PMI payments is still far off, Alliant’s AAM program can help. You can buy a new home with 5% down (or refinance with 5% equity) and eliminate PMI with AAM.
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Subscribe to Rate Watch to get notified when a rate hits your target. Sit back and let the savings come to you!
Learn what happens at every step of the way – from application to closing – with our step-by-step mortgage process infographic.
View Full Process (PDF)
Picking the right mortgage type for your home loan is a big decision - and we’re here to help. Please give us a call at 800-365-7003 to speak with an Alliant home loan specialist who can answer your questions and guide you towards the perfect loan.
Lock in a mortgage rate and payment for a period of either 15 or 30 years.
Lower initial rate subject to adjustments after fixed term.
15-year or 30-year50
Initial fixed term 3, 5, 7, or 10-year48,49
Let Me Know When Alliant Rates Gets Even Better
Fixed-rate loans provide peace-of-mind from knowing your rate is locked in for your entire 15- or 30-year term – your monthly payment won’t change. Adjustable-rate mortgages (ARM) have lower payments in the beginning so you can take care of other necessary expenses, like furniture for your new home.
The shorter the loan term, the less you will pay in interest over the long run, but the larger the monthly payment will be. Keep in mind that even with an Alliant 30-year Fixed-Rate Mortgage Loan, there are no penalties for paying ahead of your payment schedule, so choosing a 30-year loan but making larger-than-scheduled payments could be a good compromise option.
With an adjustable-rate mortgage (ARM), monthly payments can change after a specific amount of time, according to your loan structure. However, Alliant ARMs have a cap to prevent a drastic payment increase. Talk with an Alliant home loan specialist to make sure you understand how your payment can change over time.
Yes. At Alliant, there are no prepayment penalties for paying off your loan faster than your payment schedule. In fact, it’s a great way to save on interest over the long run.
Visit our Mortgage Resource Center for more information.
Want to know more about this product? Search our friendly help guide!
It is with great pleasure that I write this review of my experience with Alliant Credit Union. More importantly, my experience with Nick S, Loan Originator, and Kristy S(processor). As a 30 year veteran in the mortgage industry, I know first hand what bad, good, and great service looks and feels like. I knew exactly what would be needed and what would be expected, yet Kristy stayed one step ahead and kept me informed every couple of days to let me know where we are in the process. Nick and Kristy were a great team and provided unparalleled service in an industry know for mediocrity. I would highly recommend Nick and have done so several times since my closing. I would really like to express my sincere gratitude to Kristy for setting the bar very high for customer care and communication. Well done team!
As an Alliant member for many years, I know that I will receive excellent service for any transaction. I obtained my first mortgage through Alliant and most recently refinanced. The entire process for both was smooth and efficient, and everyone I dealt with during the process was extremely helpful and friendly. I will always look to Alliant first for my financial needs.
After having purchased or refinanced three houses I can say that the process with Alliant was generally a pleasant experience. Our Loan Officer Chris K. was at the heart of that experience. He made himself available late at night and on weekends with my wife and my odd schedules. Always very prompt and thourough with communications. When we did have issues even though he wasn’t responsible he held himself accountable and resolved our issues and advocated for us amongst his peers. In the future when we purchase again or refinance Alliant will definitely be the first stop we make!
I closed on my first home last month, and I can honestly say that I don't think I would have successfully made it to closing without Denise B's dedication and expertise.
Starting with my preapproval process, Denise made herself available to answer all the questions I had (and as a first time home buyer, I had many!) and guided me through the entire process. She went above and beyond to get me answers when things were unclear. She helped me understand the ins and outs of the process and kept me informed when there were difficulties with my approval. She coordinated with the rest of the mortgage team to make sure I would be able to close on time. Even after closing, she helped me navigate the paperwork I needed to complete!
I could not have asked for a more generous or committed mortgage loan officer. Thank you again, Denise. I am so, so grateful for you!
Chris Keefe was amazing throughout my entire loan process. For me, purchasing a home was a big decision and the financing was extremely important. Chris was informative and patient and helped me find the loan program that was affordable for me. I want to say thank you to Chris Keefe and the wonderful team at Alliant Credit Union for making the dream of home ownership a reality.
Chris is by far the best I've worked with at Alliant---He is available, thorough and follows up with everything in a timely manner. for this particular home mortgage I had major challenges with Michael B. from the loan fulfillment dept and without Chris' assistance I am pretty confident we would not have completed the process in time to meet the closing deadline. Chris was calm, patient and assured I was confident that all would be taken care of. thanks so much Chris for your great support.
Great experience . Its my pleasure to work with Mike and his team. Highly recommend this CU to anyone looking for a mortgage.
Nick and the other people I worked with were the best. I've done many loans and refi's. , they were the best of all time.
I am new to Alliant and had a really great experience refinancing my mortgage. Denise was our loan office and she was so easy to work with, very responsive and was proactive in all updates and communication. The entire team was helpful and worked together on our loan. I still can’t believe everything went so smoothly. Thank you Denise and everyone who helped!!
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