Disclosures

eStatement Fees

72. A fee will apply if you choose to receive an account statement in paper form; refer to the Fee Schedule. To avoid the paper statement fee, log in to Alliant Online Banking to change your statement preference to eStatements.

Five dollar savings deposit

71. You must open an Alliant savings account to be eligible to receive the complimentary $5 savings deposit, which will be deposited directly into your new Alliant savings account. One complimentary $5 savings deposit per new member. Member will forfeit the complimentary $5 savings deposit if account is closed within 90 days of establishing Alliant membership.

High-Yield Savings Account Comparison

71. APY= Annual Percentage Yield. Comparison based on Alliant Credit Union 2.10% APY as of 06/01/2019 vs. the bank national average savings rate of .12% APY as of 05/31/2019 sourced from National Association of Federal Credit Unions in cooperation with SNL Financial and Datatrac Corp.

Checking Comparison

69. Comparison based on Alliant Credit Union 0.65% APY as of 06/01/2019 vs. the bank national average savings rate as of 05/31/2019 sourced from National Association of Federal Credit Unions in cooperation with SNL Financial and Datatrac Corp.

Overdraft and Courtesy Pay

65. Overdraft Protection is optional. You must opt in to benefit from this free service. Alliant's Overdraft Protection Program honors your overdrafts on your checking account when you don’t have enough money in your Alliant Checking Account to cover a transaction, provided you have enough money in your Alliant Regular Savings or Supplemental Savings Account. To do so, we automatically transfer funds from your regular savings or supplemental savings account to your Alliant Checking Account to cover your overdrafts. Certain transactions may be limited by federal regulations. Overdraft Protection does not cover ATM transactions.

There is no fee to enroll in Courtesy Pay; however, when it is used, there is a fee. To be eligible for Courtesy Pay, members must be in good standing and have an Alliant Checking Account that has been open for at least six months. Other eligibility factors are risk-based and determined by Alliant using internal and confidential information, including your account history. To qualify to use Courtesy Pay, eligible members must have qualifying deposits totaling at least $600 into their Alliant Checking Account in the previous 30 days. Basic Courtesy Pay may pay checks and ACH electronic items that would not have not cleared otherwise due to insufficient funds, up to an approved limit. If you opt in for enhanced coverage, Courtesy Pay may also cover Point-of-Sale and signature-based transactions on your Alliant Visa debit card that would not have cleared otherwise due to insufficient funds, up to an approved limit. See the Alliant Account Agreement and Disclosure for details and the Fee Schedule for a list of fees. Courtesy Pay does not cover ATM transactions.

19 High-Rate Checking Account

19. Your first box of standard checks is free. Other check designs are available for an extra charge.

Alliant Checking charges no monthly maintenance or service fees; however, if incurred, fees such as a stop payment or NSF fee will apply. Please refer to the Alliant Fee Schedule for a list of these types of fees.

Overdraft Protection is optional. You must opt in to benefit from this free service. Alliant's Overdraft Protection Program honors your overdrafts on your checking account when you don’t have enough money in your Alliant Checking Account to cover a transaction, provided you have enough money in your Alliant Regular Savings or Supplemental Savings Account. To do so, we automatically transfer funds from your regular savings or supplemental savings account to your Alliant Checking Account to cover your overdrafts. Certain transactions may be limited by federal regulations. Overdraft Protection does not cover ATM transactions.

There is no fee to enroll in Courtesy Pay; however, when it is used, there is a fee. To be eligible for Courtesy Pay, members must be in good standing and have an Alliant Checking Account that has been open for at least six months. Other eligibility factors are risk-based and determined by Alliant using internal and confidential information, including your account history. To qualify to use Courtesy Pay, eligible members must have qualifying deposits totalling at least $600 into their Alliant Checking Account in the previous 30 days. Basic Courtesy Pay may pay checks and ACH electronic items that would not have not cleared otherwise due to insufficient funds, up to an approved limit. If you opt in for enhanced coverage, Courtesy Pay may also cover Point-of-Sale and signature-based transactions on your Alliant Visa debit card that would not have cleared otherwise due to insufficient funds, up to an approved limit. See the Alliant Account Agreement and Disclosure for details and the Fee Schedule for a list of fees. Courtesy Pay does not cover ATM transactions.

A fee will apply if you choose to receive an account statement in paper form; refer to the Fee Schedule. To avoid the paper statement fee, log in to Alliant Online Banking to change your statement preference to eStatements.

Alliant will rebate ATM fees up to $20 per month per membership account when you use your Alliant Visa Debit Card to make a deposit, withdrawal, transfer or balance inquiry. The rebate does not apply to cash advances from Alliant Visa credit cards through ATMs nor to the Alliant Convenience card and Visa International Service Assessment (ISA) fees. Not all ATMs accept deposits.

Limitations apply. Mobile check deposit requires a camera-enabled mobile device. Data and text charges may apply. Check with your mobile service provider.

APY=Annual Percentage Yield. Alliant High Rate Checking Dividends are paid on the last day of each month to checking accountholders who have opted out of receiving paper statements (receive eStatements only) and have a recurring monthly electronic deposit to their Alliant Checking Account each month (e.g., a direct deposit, payroll deposit, ATM deposit, mobile check deposit or transfer from another financial institution). Otherwise, Alliant checking accounts do not earn a dividend. The 06/01/2019 High Rate Checking dividend provides an Annual Percentage Yield (APY) of 0.65% APY. The APY is accurate as of the 05/24/2019 dividend declaration date. Checking dividend may change after account is opened and is subject to change monthly. There is no minimum balance requirement to open an Alliant Checking Account or to earn a dividend. Account is subject to approval. We may not open checking for you if you do not meet Alliant criteria.

20. Free Checking Account

20. Your first box of standard checks is free. Other check designs are available for an extra charge.

Alliant checking charges no monthly maintenance or service fees; however, if incurred, fees such as a stop payment or NSF fee will apply. Please refer to the Alliant Fee Schedule for a list of these types of fees.

Overdraft Protection is optional. You must opt in to benefit from this free service. Alliant's Overdraft Protection Program honors your overdrafts on your checking account when you don’t have enough money in your Alliant Checking Account to cover a transaction, provided you have enough money in your Alliant Regular Savings or Supplemental Savings Account. To do so, we automatically transfer funds from your regular savings or supplemental savings account to your Alliant Checking Account to cover your overdrafts. Certain transactions may be limited by federal regulations. Overdraft Protection does not cover ATM transactions.

A fee will apply if you choose to receive an account statement in paper form; refer to the Fee Schedule. To avoid the paper statement fee, log in to Alliant Online Banking to change your statement preference to eStatements.

Alliant will rebate ATM fees up to $20 per month per membership account when you use your Alliant checking account Visa debit card to make a deposit, withdrawal, transfer or balance inquiry. The rebate does not apply to cash advances from Alliant Visa credit cards through ATMs nor to the Alliant Convenience card and Visa International Service Assessment (ISA) fees. Not all ATMs accept deposits.

Limitations apply. Mobile check deposit requires a camera-enabled mobile device. Data and text charges may apply. Check with your mobile service provider.

There is no fee to enroll in Courtesy Pay; however, when it is used, there is a fee. To be eligible for Courtesy Pay, members must be in good standing and have an Alliant Checking Account that has been open for at least six months. Other eligibility factors are risk-based and determined by Alliant using internal and confidential information, including your account history. To qualify to use Courtesy Pay, eligible members must have qualifying deposits totalling at least $600 into their Alliant Checking Account in the previous 30 days. Basic Courtesy Pay may pay checks and ACH electronic items that would not have not cleared otherwise due to insufficient funds, up to an approved limit. If you opt in for enhanced coverage, Courtesy Pay may also cover Point-of-Sale and signature-based transactions on your Alliant Visa debit card that would not have cleared otherwise due to insufficient funds, up to an approved limit. See the Alliant Account Agreement and Disclosure for details and the Fee Schedule for a list of fees. Courtesy Pay does not cover ATM transactions.

Mobile Deposits

35. All deposits are subject to the Alliant Credit Union's Funds Availability Policy. Deposits are subject to verification. Funds from approved deposits are available immediately. If your deposit is held for review and you submitted it before 3pm CT, the funds should be available the same business day. If your deposit is held for review and you submitted it after 3pm CT or on weekends and holidays, the funds should be available on the next business day. You do not have to mail the checks to us, but we recommend that you retain them for a minimum of 60 days before you destroy them.

Refer to Alliant Credit Union's Account Agreement and Disclosures and the Alliant Credit Union Remote and Electronic Deposit Services Agreement for more information.

Flex & Jumbo Certificates (applies to all terms listed below)

57. APY= Annual Percentage Yield. The APY is accurate as of the 05/29/2019 dividend declaration date. $1000.00 minimum deposit required to open an Alliant Certificate, $25,000 minimum balance to open an Alliant Jumbo Certificate. You must be an Alliant member. Alliant Flex Term Certificates are available as Regular Share Certificates and Jumbo Share Certificates. Both types are also offered as Traditional IRA Certificates, Roth IRA Certificates, and SEP Certificates. In addition, prior to opening an IRA Certificate (Traditional, Roth and SEP), you must have or establish an IRA with Alliant. You may not add any additional money to your Certificate after opening. Dividends compound monthly and are paid on the last day of the month and at maturity. There are no penalties for monthly dividend withdrawals. Early withdrawal penalties do apply if the Certificate is closed before the maturity date unless the Certificate funds are moved to Alliant Retirement and Investment Services. If you wish to move your Certificate funds to Alliant Retirement and Investment Services, you must wait until 7 days after your Certificate has been opened. Other exceptions to early withdrawal penalties may be allowed. Monthly dividend withdrawals are not eligible on IRA Certificates if owner is under age 59 1/2. Any monthly withdrawals or transfers reduce earnings. If you change the term of your renewed Certificate, the beneficiary(ies) need(s) to be reestablished by completing a Beneficiary Add/Delete Form. (Not applicable to IRA Certificates). The joint owner designated at the time of Certificate opening will remain as joint owner if you renew your Certificate with Alliant. Neither the primary account owner or joint owner may be a beneficiary on the Certificate account. You are not locked into a rate until you open or renew your Alliant Certificate. Alliant Certificate rates may change daily.

12-17 months
Regular Share Certificates with a term between 12 and 17 months provide a Dividend Rate of 2.62% – Compounded Annual Percentage Yield of 2.65% APY on balances between $1,000 and $24,999.99. Jumbo Share Certificates with a term between 12 and 17 months provide a Dividend Rate of 2.62% – Compounded Annual Percentage Yield of 2.65% APY on balances $25,000 or greater. IRA Certificates with a term between 12 and 17 months provide a Dividend Rate of 2.62% – Compounded Annual Percentage Yield of 2.65% APY on balances between $1,000 and $24,999.99. Jumbo IRA Certificates with a term between 12 and 17 months provide a Dividend Rate of 2.62% – Compounded Annual Percentage Yield of 2.65% APY on balances $25,000 or greater.

18-23 months
Regular Share Certificates with a term between 18 and 23 months provide a Dividend Rate of 2.62% – Compounded Annual Percentage Yield of 2.65% APY on balances between $1,000 and $24,999.99. Jumbo Share Certificates with a term between 18 and 23 months provide a Dividend Rate of 2.62% – Compounded Annual Percentage Yield of 2.65% APY on balances $25,000 or greater. IRA Certificates with a term between 18 and 23 months provide a Dividend Rate of 2.62% – Compounded Annual Percentage Yield of 2.65% APY on balances between $1,000 and $24,999.99. Jumbo IRA Certificates with a term between 18 and 23 months provide a Dividend Rate of 2.62% – Compounded Annual Percentage Yield of 2.65% APY on balances $25,000 or greater.

24-35 months
Regular Share Certificates with a term between 24 and 35 months provide a Dividend Rate of 2.62% – Compounded Annual Percentage Yield of 2.65% APY on balances between $1,000 and $24,999.99 Jumbo Share Certificates with a term between 24 and 35 months provide a Dividend Rate of 2.62% – Compounded Annual Percentage Yield of 2.65% APY on balances $25,000 or greater. IRA Certificates with a term between 24 and 35 months provide a Dividend Rate of 2.62% – Compounded Annual Percentage Yield of 2.65% APY on balances between $1,000 and $24,999.99. Jumbo IRA Certificates with a term between 24 and 35 months provide a Dividend Rate of 2.62% – Compounded Annual Percentage Yield of 2.65% APY on balances $25,000 or greater.

36-47 months
Regular Share Certificates with a term between 36 and 47 months provide a Dividend Rate of 2.67% – Compounded Annual Percentage Yield of 2.70% APY on balances between $1,000 and $24,999.99 Jumbo Share Certificates with a term between 36 and 47 months provide a Dividend Rate of 2.67% – Compounded Annual Percentage Yield of 2.70% APY on balances $25,000 or greater. IRA Certificates with a term between 36 and 47 months provide a Dividend Rate of 2.67% – Compounded Annual Percentage Yield of 2.70% APY on balances between $1,000 and $24,999.99. Jumbo IRA Certificates with a term between 36 and 47 months provide a Dividend Rate of 2.67% – Compounded Annual Percentage Yield of 2.70% APY on balances $25,000 or greater.

48 months
Regular Share Certificates with a term of 48 months provide a Dividend Rate of 2.72% – Compounded Annual Percentage Yield of 2.75% APY on balances between $1,000 and $24,999.99 Jumbo Share Certificates with a term of 48 months provide a Dividend Rate of 2.72% – Compounded Annual Percentage Yield of 2.75% APY on balances $25,000 or greater. IRA Certificates with a term of 48 months provide a Dividend Rate of 2.72% – Compounded Annual Percentage Yield of 2.75% APY on balances between $1,000 and $24,999.99. Jumbo IRA Certificates with a term of 48 months provide a Dividend Rate of 2.72% – Compounded Annual Percentage Yield of 2.75% APY on balances $25,000 or greater.

60 months
Regular Share Certificates with a term of 60 months provide a Dividend Rate of 2.96% – Compounded Annual Percentage Yield of 3.00% APY on balances between $1,000 and $24,999.99 Jumbo Share Certificates with a term of 60 months provide a Dividend Rate of 2.96% – Compounded Annual Percentage Yield of 3.00% APY on balances $25,000 or greater. IRA Certificates with a term of 60 months provide a Dividend Rate of 2.96% – Compounded Annual Percentage Yield of 3.00% APY on balances between $1,000 and $24,999.99. Jumbo IRA Certificates with a term of 60 months provide a Dividend Rate of 2.96% – Compounded Annual Percentage Yield of 3.00% APY on balances $25,000 or greater.

Convenience Card

60. Refer to the back of the Alliant Convenience Card for a list of networks. Members in good standing and without a ChexSystems record have a $500 daily withdrawal limit and a $10,000 daily deposit limit. Members with a ChexSystems record have a $200 daily withdrawal limit and $0 daily deposit limit. ChexSystems is a consumer reporting agency. Verify deposit capability of ATM. Transactions include balance inquiries, deposits and withdrawals only. Please see the online ATM Locator at www.alliantcreditunion.com or our mobile banking app for a list of ATMs that accept deposits or are surcharge-free. Transactions performed at other ATMs may be subject to the ATM owner’s surcharge fee. Not all ATMs accept deposits. The Alliant Convenience Card is not eligible for ATM fee rebates. Only Alliant Visa Debit cards are eligible for the ATM fee rebate.

61. Checking

61. APY=Annual Percentage Yield. The 06/01/2019 High Rate Checking dividend provides an Annual Percentage Yield (APY) of 0.65% APY. The APY is accurate as of the 05/24/2019 dividend declaration date. Checking dividend may change after account is opened and is subject to change monthly. There is no minimum balance requirement to open an Alliant checking account or to earn the stated APY. Checking Dividends are paid on the last day of each month to checking accountholders who have opted out of receiving paper statements (receive eStatements only) and have a recurring monthly electronic deposit to their Alliant checking account each month (e.g., a direct deposit, payroll deposit, ATM deposit, mobile check deposit or transfer from another financial institution). Otherwise, Alliant checking accounts do not earn a dividend. Alliant checking charges no monthly maintenance or service fees; however, if incurred, fees such as a stop payment or NSF fee will apply, and fees may reduce earnings on the account. Please refer to the Alliant Fee Schedule for a list of these types of fees. Account is subject to approval. We may not open checking for you if you do not meet Alliant criteria.

Mortgage Share

62. The June Mortgage Share declared 05/24/2019 provides a Dividend Rate of .25% - Compounded Annual Percentage Yield of .25% APY. Dividends are paid on the last day of the month to accountholders who have maintained an average daily balance of $100 or more in a mortgage share account

Savings

63. The June savings dividend provides an Annual Percentage Yield (APY) of 2.10%. The APY is accurate as of the 05/24/2019 dividend declaration date. Dividends are paid on the last day of the month to accountholders who have maintained an average daily balance of $100 or more. Savings dividend may change after account is opened and is subject to change monthly. Dividend applies to Savings, Supplemental Savings, Kids Savings Accounts, UTMA Custodial Accounts, Trust Accounts, IRA.

Home Loan disclosures (Mortgage, Home Equity Loan and Line of Credit)

Interest-only Home Equity Line of Credit Disclosure

Interest-only Home Equity Line of Credit
45. Home equity products are available in the following states: AZ, CA, CO, CT, FL, GA, HI, IA, IL, IN, KY, MA, MI, MN, MO, MT, NC, NJ, NM, NV, NY, OH, PA, TN, UT, VA, WA, WI and Washington, D.C. The minimum loan amount is $10,000. The minimum loan amount is $25,001 in IA, WI and Washington, D.C. Offer subject to credit approval, which includes verification of application information and receipt of collateral documents. Rates and closing costs are subject to credit qualifications. Maximum loan to value of up to 90% depending on state in which the property is located.  Initial rate is based on loan amount, loan to value and credit history. We may not extend credit to you if you do not meet Alliant criteria. The Annual Percentage Rate (APR) is a variable rate. Your qualifying rate may adjust monthly and is based on the highest Prime Rate as published in The Wall Street Journal as of the date of any rate adjustment plus or minus a margin. The APR range is from 4% to a maximum of 16%. Loans without automatic payment selection are subject to an increase in rate and margin of 0.4%. No closing costs (excluding applicant ordered appraisals) based on Interest-only Home Equity Line of Credit (HELOC) loans up to $250,000 and meeting Alliant criteria. A fee of $1,000 is applied to Interest-only HELOC loans more than $250,000. Minimum payment will not repay principal, which will result in a higher principal and interest payment at the end of the 10 year draw period. Costs to satisfy certain prior liens may be assessed. The Annual Fee of $50 will be waived the first year but will be assessed in subsequent years. You will incur the annual fee even if you don't have a balance. Property insurance is required. Flood insurance may be required. If the state and/or county in which the collateral is located charges additional fees and taxes, the borrower will be responsible for payment. A $200 termination fee may be applied to an Interest-only HELOC cancelled or closed by the borrower within one year of origination. Refinancing of Alliant home equity products available; $250 fee on loans that do not increase the credit limit by $10,000 or more. Rates, terms, and conditions subject to change. Other restrictions may apply. Interest-only HELOC loans available on 1 to 2 unit owner occupied dwellings. Please consult with an Alliant Loan Consultant at 800-328-1935 ext. 5401 for more information on an Alliant Interest-only Home Equity Line of Credit.

Fixed Rate Home Equity Loan Disclosure

Home Equity Loan
46. Home equity products are available in the following states: AZ, CA, CO, CT, FL, GA, HI, IA, IL, IN, KY, MA, , MI, MN, MO, MT, NC, NJ, NM, NV, NY, OH, PA, TN, UT, VA, WA, WI and Washington, D.C. The minimum loan amount is $10,000. The minimum loan amount is $25,001 in IA, WI and Washington, D.C. Offer subject to credit approval, which includes verification of application information and receipt of collateral documents. Rates and closing costs are subject to credit qualifications. Maximum loan to value of up to 90% depending on state in which the property is located. . Initial rate is based on loan amount, loan to value, term and credit history. We may not extend credit to you if you do not meet Alliant criteria. The Annual Percentage Rate (APR) is a fixed rate, depending upon credit qualifications and loan to value ratio. No closing costs except applicant ordered appraisals in all states based on home equity loans up to $250,000 and meeting Alliant criteria. Loans without automatic payment selection are subject to an increase in rate of 0.4%. A fee up to $1,000 is applied to home equity loans more than $250,000. Costs to satisfy certain prior liens may be assessed. Property insurance is required. Flood insurance may be required. If the state and/or county in which the collateral is located charges additional fees and taxes, the borrower will be responsible for payment. Refinancing of Alliant home equity products available; $250 fee on loans that do not increase the balance by $10,000 or more. Rates, terms, and conditions subject to change. Other restrictions may apply. Home equity loans available on 1 to 2 unit owner occupied dwellings. Please consult with an Alliant Loan Consultant at 800-328-1935 ext. 5401 for more information on an Alliant Fixed Rate Home Equity Loan.

Example Home Equity Loans Monthly Repayment Terms

APR = Annual Percentage Rate.

Conventional Home Equity Line of Credit Disclosure

Home Equity Line of Credit
47. Home equity products are available in the following states: AZ, CA, CO, CT, FL, GA, HI, IA, IL, IN, KY, MA, , MI, MN, MO, MT, NC, NJ, NM, NV, NY, OH, PA, TN, UT, VA, WA, WI and Washington, D.C. The minimum loan amount is $10,000. The minimum loan amount is $25,001 in IA, WI and Washington, D.C. Offer subject to credit approval, which includes verification of application information and receipt of collateral documents. Rates and closing costs are subject to credit qualifications. Maximum loan to value of up to 90% depending on state in which the property is located. . Initial rate is based on loan amount, loan to value and credit history. We may not extend credit to you if you do not meet Alliant criteria. The Annual Percentage Rate (APR) is a variable rate. Your applicable rate will adjust annually (starting on the anniversary date of your first payment), depending upon credit qualifications and loan to value ratio. This rate is based on the highest Prime Rate published in The Wall Street Journal 30 days prior to your anniversary date, plus or minus a margin. The APR range is from 4% to a maximum of 16%. Loans without automatic payment selection are subject to an increase in rate and margin of 0.4%. No closing costs (excluding applicant ordered appraisal) based on Home Equity Line of Credit (HELOC) loans up to $250,000 and meeting Alliant criteria. A fee of $1,000 is applied to HELOC loans more than $250,000. Seven year draw period. Repayment term 15 years. Costs to satisfy certain prior liens may be assessed. Property insurance is required. Flood insurance may be required. If the state and/or county in which the collateral is located charges additional fees and taxes, the borrower will be responsible for payment. A $200 termination fee may be applied to a HELOC cancelled or closed by the borrower within one year of origination. Refinancing of Alliant home equity line of credit loans available; $250 fee on loans that do not increase the credit limit by $10,000 or more. Rates, terms, and conditions subject to change. Other restrictions may apply. HELOC loans available on 1 to 2 unit owner occupied dwellings. Please consult with an Alliant Loan Consultant at 800-328-1935 ext. 5401 for more information on an Alliant Traditional Home Equity Line of Credit.

5/1, 7/1 and 10/1 Adjustable Rate Mortgage (ARM) Disclosure

48. APR=Annual Percentage Rate. 5/1, 7/1 and 10/1 adjustable rate mortgages available in all 50 states. Loan approval, interest rate, and down payment required based on creditworthiness, amount financed, and ability to repay. Origination fee is $995. Loans with a down payment less than 20% require mortgage insurance which could increase the monthly payment and Annual Percentage Rate. Other fees may be assessed, as applicable. Rates, terms, and conditions are subject to change. The 5/1, 7/1 and 10/1 ARMs offer a fixed rate for the initial period of the loan and adjust to a one year ARM after that period. The interest rate and monthly payment may adjust annually based on the 1 Year London Interbank Offered Rate (LIBOR), plus a margin of 2.50 percentage points (3% on second/vacation homes) with a 5% life time cap. 7/1 ARM Payment for a $300,000 loan with a 3.125% rate and 3.817% APR, the first 84 payments are $1285.13 with 12 payments at $1560.93 if the rate adjusts to the annual maximum of 5.125%, 12 payments at $1854.12 if the rate adjusts to the annual maximum of 7.125%, 251 payments at $2004.76 if the rate adjusts to the ceiling of 8.125%, with one remaining payment at $2002.34. Payment examples do not include taxes and insurance premiums; actual payment obligation may be greater. Purchase rates may differ from refinance rates.

Rates can vary based on risk factors which include but are not limited to LTV, credit score, and debt to income ratio.

1/1 and 3/1 Adjustable Rate Mortgage (ARM) Disclosure

49. APR=Annual Percentage Rate. 1/1 and 3/1 adjustable rate mortgages available in all 50 states. Loan approval, interest rate, and downpayment required based on creditworthiness, amount financed, and ability to repay. Origination fee is $995. Loans with a down payment less than 20% require mortgage insurance which could increase the monthly payment and Annual Percentage Rate. Other fees may be assessed, as applicable. Rates, terms, and conditions are subject to change. The 1/1 ARM may adjust annually after the first year of the loan based on the 1 Year London Interbank Offered Rate (LIBOR) plus a margin of 2.50 percentage points with a 6% lifetime cap. The 3/1 ARM offers a fixed rate for 3 years and adjusts to a 1 year ARM after that period. The interest rate and monthly payment may adjust annually based on the 1 Year London Interbank Offered Rate (LIBOR), plus a margin of 2.50 percentage points (3% on second/vacation homes) with a 6% lifetime cap. Purchase rates may differ from refinance rates.

Rates can vary based on risk factors which include but are not limited to LTV, credit score, and debt to income ratio.

Rates shown not available in all states. Rates are representative and rounded to the nearest point. Actual rates may vary and will depend on various factors including loan product, loan size, points paid, credit profile, property value, geographic location, occupancy and other factors.

Fixed Rate Mortgages Disclosure

50. Fixed rate mortgages available in all 50 states. Loan approval, interest rate, and downpayment required based on creditworthiness, amount financed, and ability to repay. Loans with a down payment less than 20% require mortgage insurance which could increase the monthly payment and Annual Percentage Rate. Origination fee is $1,795. Other fees may be assessed, as applicable. Rates, terms, and conditions are subject to change. 

Rates can vary based on risk factors which include but are not limited to LTV, credit score, and debt to income ratio. 
 

Example Fixed Rate Mortgages Monthly Repayment Terms

Payment examples do not include taxes and insurance premiums; actual payment obligation may be greater. Purchase rates may differ from refinance rates.

Rates shown not available in all states. Rates are representative and rounded to the nearest point. Actual rates may vary and will depend on various factors including loan product, loan size, points paid, credit profile, property value, geographic location, occupancy and other factors.

81. Car Buying Service 2

81. APR=Annual Percentage Rate. Advertised discounted rate is 0.50% lower than Alliant's standard advertised auto loan rates and includes a discount for automatic payments and for using the Alliant Credit Union Car Buying Service. This rate discount can not be combined with any other rate discount. To receive this rate, your auto purchase must be made at a TrueCar certified dealer through the Auto Buying Service Dealer as listed on your savings certificate and the auto loan must be booked through Alliant Credit Union. The savings certificate must be generated no more than 90 days prior to your loan being funded. Your loan will originally be set up without the rate discount. After your loan agreement is signed and your vehicle purchase is complete, we will confirm that you qualify for the discount, and apply the discount to your loan. Rate applies to new, untitled vehicles with a loan term of up to 60 months. Payment example: A 60-month loan with a 3.24% fixed APR would have monthly payments of $18.08 per thousand dollars borrowed. Alliant loan approval, APR, downpayment required and other terms and conditions based on LTV (Loan to Value), payment method, creditworthiness, collateral (including age of vehicle), and the term of the loan. Rates are higher without automatic payment. All loans are subject to approval. Rates, terms and conditions are subject to change. You must be 18 or older to apply. We may not extend credit to you if you do not meet Alliant criteria. Allowable terms vary by loan amount. Alliant membership is required. Applicant must meet eligibility requirements for Alliant membership.

Bank Average New Auto Loan Rate

80. Bank average new auto loan rate sourced from National Association of Federal Credit Unions in cooperation with SNL Financial and Datatrac Corp. 05/31/2019.

Vehicle Loans

79. Alliant auto loan rates as of 05/31/2019 for loan terms up to 60 months. Rates vary for longer terms. Alliant loan approval, APR, down payment required and other terms and conditions based on LTV (Loan to Value), payment method, creditworthiness, collateral (including age of vehicle), and the term of the loan. Advertised rates include automatic payment option. Rates are 0.4% higher without automatic payment option. Refinancing of loans from other lenders is available. Member is responsible for any fees associated with transferring of title. Rates are 1% higher when refinancing an existing Alliant loan. Financing available in all 50 states. All loans are subject to approval. Rates, terms and conditions are subject to change. You must be 18 or older to apply. We may not extend credit to you if you do not meet Alliant criteria. Allowable terms vary by loan amount. Membership is required. Payment example: A new auto loan for a term of 84 months would result in payments of $13.21 per $1,000 borrowed.

Consolidated Student Loan Disclosure

53. APR=Annual Percentage Rate. Loan approval, APR and other terms and conditions are based on creditworthiness and ability to repay, and are subject to change. The borrower must be an Alliant member and either U.S. citizen or legal resident. To become an Alliant member, you must meet eligibility requirements for Alliant membership. We may not extend credit to you if you do not meet Alliant criteria. Payments for Variable Rate loans can adjust quarterly and are fixed for the life of a Fixed Rate loan. The minimum loan amount is $10,000 and the maximum loan amount is $100,000. Eligible schools may not be proprietary (a school that is considered a for-profit institution), community colleges or trade schools. Minimum payment amount is $75 per month. Loan proceeds must pay off existing private or government student loan debt incurred by the borrower. Combining debt for more than one student is not allowed.

Fixed Rate payment example: Monthly payment of $372.86 per $20,000 borrowed based on a rate of 4.50% APR as of 04/01/2019 and a repayment term of 5 years.

Variable Rate payment example: Monthly payment of $370.59 per $20,000 borrowed based on a rate of 4.25% APR as of 04/01/2019 and a repayment term of 5 years.

Recreational Vehicle Loans

55. APR=Annual Percentage Rate. Loan approval, APR and downpayment required and other terms and conditions based on LTV (Loan to Value), payment method, creditworthiness, collateral (including age of vehicle), the term of the loan and residency status. Advertised rates include automatic payment option. Rates are 0.4% higher without automatic payment option. Refinancing of loans from other lenders is available. Member is responsible for any fees associated with transferring of title. Rates are 1% higher when refinancing an existing Alliant loan. Financing available in all 50 states. All loans are subject to approval. Rates, terms and conditions are subject to change. A 120-month RV loan with a 4.74% APR would have monthly payments of $10.49 per thousand dollars borrowed. You must be 18 or older to apply. We may not extend credit to you if you do not meet Alliant criteria. Allowable terms vary by loan amount. You must be or become a member of Alliant to apply. Applicant must meet eligibility requirements for Alliant membership.

Consumer Loans

56. APR=Annual Percentage Rate. APR is 0.4% higher without automatic payment option. Loan approval and APR based on payment method, creditworthiness and ability to repay. Rates, terms and conditions are subject to change. A loan with a rate of 6.74% APR with a term of 12 months would result in monthly payments of $86.41 per $1,000 borrowed. Payment example is an estimate. Your actual payment may differ based on your special qualifying rate and loan terms.

86. Rewards Program Terms and Conditions

86. As described in the Alliant Visa Platinum Rewards Program Terms & Conditions, certain categories of purchases such as cash advances and gift cards do not qualify to earn reward points. See disclosures for additional details. Reward point earnings on qualified purchases are unlimited. 

Alliant Visa Platinum Rewards Program Terms and Conditions

Alliant Visa Platinum Rewards Points Program Details

84. Alliant Cashback Visa Signature Card Program Terms & Conditions

84. As described in the Alliant Cashback Visa Signature Card Program Terms & Conditions, certain categories of purchases such as cash advances and gift cards do not qualify to earn cash back. See the Alliant Cashback Visa Signature Card Disclosure for additional details. Cash back earnings on qualified purchases are unlimited. 

 Alliant Cashback Visa Signature Card Program Terms & Conditions (PDF)

83. Visa Signature Credit Card

83. Loan approval and APR based on creditworthiness, payment method and ability to repay. Rates, terms, and conditions are subject to change. APR=Annual Percentage Rate.

Alliant Cashback Visa® Signature Card Agreement (PDF)

Alliant Cashback Visa® Signature Card Disclosure (PDF)

Visa Zero Liability

37. Visa’s Zero Liability policy covers U.S.-issued cards only and does not apply to ATM transactions, PIN transactions not processed by Visa, or certain commercial card transactions. Cardholder must notify issuer promptly of any unauthorized use. For more information, visit the Visa website.

51. Visa Credit Cards

51. Loan approval and APR based on creditworthiness, payment method and ability to repay. Rates, terms, and conditions are subject to change. APR=Annual Percentage Rate.

Visa® Credit Card Agreement (PDF)
Visa® Credit Card Disclosure (PDF)

Debt Protection

44. Your purchase of debt protection is optional. Whether or not you purchase this product will not affect your application for credit or the terms of any existing credit agreement you have with us.

We will give you additional information before you are required to pay for debt protection. This information will include a copy of the contract containing the terms and conditions of debt protection.

There are eligibility requirements, conditions and exclusions that could prevent you from receiving debt protection benefits. You should carefully read your debt protection contract for a full explanation of the terms and conditions of the debt protection program.

Debt Protection Plan

Traditional IRA

16. Credit Union Traditional IRA Custodial Agreement

Roth IRA

17. Credit Union Roth IRA Custodial Agreement

Bank Disclosure

18. Non-deposit and investment products and insurance products are not federally insured, involve investment risk, may lose value, and are not obligations of or guaranteed by the financial institution.

Supplemental Savings

24. Savings dividends are paid on the last day of the month to accountholders who have maintained an average daily balance of $100 or more in their savings. Savings dividend may change after account is opened and is subject to change monthly. There is no minimum opening balance requirement or maximum balance limit on a Supplemental Savings account.

Transfer Limitations. For all types of savings accounts that are eligible for preauthorized, automatic, telephonic, electronic, or audio response transfers, you may make up to six such transfers to an account at another financial institution or to a third party during any calendar month. A preauthorized transfer includes any arrangement with us to pay a third party from your account upon oral or written orders including orders received through the automated clearing house (ACH). You may make unlimited transfers at an ATM, in person at an Alliant Branch, through the mail, or to any Alliant Credit Union loan. However, we may refuse or reverse a transfer that exceeds these limitations and may assess fees against, suspend or close your account.

Overdraft Protection is optional. You must opt in to benefit from this free service. Alliant's Overdraft Protection Program honors your overdrafts on your checking account when you don’t have enough money in your Alliant Checking Account to cover a transaction, provided you have enough money in your Alliant Regular Savings or Supplemental Savings Account. To do so, we automatically transfer funds from your regular savings or supplemental savings account to your Alliant Checking Account to cover your overdrafts. Certain transactions may be limited by federal regulations. Overdraft Protection does not cover ATM transactions.

Transfers and Withdrawals

26. For all savings and IRA accounts, no more than six preauthorized, automatic, electronic, or telephone transfers and withdrawals may be made from these accounts to another account of yours or to a third party in any month. If you reach these limitations within a calendar month, additional transactions as listed above will not be able to be completed and may be returned unpaid. If this is the case, you will be assessed an NSF fee, as set forth in the Fee Schedule.

31. Investment

31. Securities and advisory services offered through LPL Financial, a registered investment advisor. Member FINRA/SIPC. Insurance products offered through LPL Financial or its licensed affiliates. Alliant Credit Union and Alliant Retirement and Investment Services are not registered broker/dealers and are not affiliated with LPL Financial. The financial consultants of Alliant Retirement and Investment Services are registered representatives of LPL Financial. The LPL Financial Registered Representatives associated with this site may only discuss and/or transact securities business with residents of the following states: AK, AL, AZ, AR, CA, CO, CT, DE, DC, FL, GA, HI, ID, IL, IN, IA, KY, LA, MA, MD, ME, MI, MN, MO, MT, NE, NV, NJ, NM, NY, NC, ND, OH, OK, OR, PA, SC, SD, TN, TX, UT, VA, WA, WV, WI, WY.

Bill Pay

43. An Alliant checking account is required for use with Alliant Bill Pay. There are no fees to maintain a Bill Pay account. However, if incurred, applicable fees such as a stop payment fee will apply. Please refer to the Alliant Fee Schedule for a complete list of these type of fees.

NerdWallet

©2017-2019 and TM, NerdWallet, Inc. All Rights Reserved.

MONEY® Magazine

MONEY® Magazine, Nov. 2018 ©2018 Time Inc.  MONEY® is a registered trademark of Time Inc. and is used under License.  MONEY® and Time Inc. are not affiliated with, and do not endorse products or services of, Alliant Credit Union.

Auto and Home Insurance

27. TruStage^TM Auto and Home Insurance Program is offered by TruStage Insurance Agency, LLC and issued by leading insurance companies. Discounts are not available in all states and discounts vary by state. The insurance offered is not a deposit and is not federally insured. This coverage is not sold or guaranteed by your credit union.

MAH-1112-4AA6

Life Insurance

28 TruStage^TM is the marketing brand for life insurance issued by CMFG Life Insurance Company. The insurance offered is not a deposit and is not federally insured or guaranteed by your credit union.

LIFE-0912-8F55

Term Life Insurance

29. TruStage^TM Term Life Insurance is offered by TruStage Insurance Agency, LLC and issued by CMFG Life Insurance Company. The insurance offered is not a deposit and is not federally insured or guaranteed by your credit union.

LIFE-1112-B416

AD&D Insurance

30. TruStage^TM Accidental Death and Dismemberment Insurance is offered by TruStage Insurance Agency, LLC and underwritten by CMFG Life Insurance Company. The insurance offered is not a deposit and is not federally insured or guaranteed by your credit union.

ADD-1112-225E

Third Party

34. We may provide links to third party sites, independent from Alliant Credit Union. These links are provided only as a convenience. Alliant Credit Union does not manage the operation or content of the website you are about to enter. The privacy and security policies of the site may differ from those of Alliant Credit Union.

Android Trademark

36. Android is a trademark of Google Inc.

Apple, Google and Samsung Trademarks

38. Apple, the Apple logo, and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Pay is a trademark of Apple Inc; Google Pay is a trademark of Google Inc; Samsung Pay is a trademark of Samsung Electronics Co., LTD. 

Alliant Facebook Contest - April 2019

To enter the contest, current Alliant Credit Union members must comment on the designated Facebook contest post with how they feel about digital banking. Three current Alliant members who enter will be selected as winners at random based on Random.org. Each winner will receive a $100 deposit to their Share 01 Alliant Savings Account. Winners will be selected and notified on or around May 1, 2019. Upon notification, selected winners will have 48 hours to respond and provide their email address and postal mailing address to receive prize. If the winner fails to contact Alliant within such time, another winner will be chosen at random. The winner has 30 days after receiving notice of award to sign and return a W9 and Release & Acceptance of Prize form to claim the prize. No purchase necessary to enter or win. Purchase will not improve chances of winning. Void where prohibited. One entry per person. The contest is only open from 12:00 a.m. CT on April 17, 2019, to 11:59 p.m. CT on April 23, 2019. Must be 18 or older and a legal U.S. Resident or U.S. Person (including a U.S. Resident Alien) to be eligible to enter. Alliant employees, members of its Board of Directors, and their family members of the same household are not eligible to win. Alliant reserves the right to cancel the drawing and/or substitute a prize of equal value. Odds of winning depend on the number of entrants. Winners are responsible for any tax liability. This contest is subject to all federal, state and local laws and regulations and governed by Illinois law. Contest is sponsored by Alliant Credit Union, 11545 West Touhy Avenue, Chicago, IL 60666. Facebook is not a sponsor of or otherwise affiliated with this promotion.

Social Media Disclosures

39. Alliant Credit Union sponsors select pages on social media outlets that include, but are not limited to, Facebook, Twitter, Instagram, YouTube and LinkedIn. We participate as a way to interact with a community of people interested in discussing topics pertinent to Alliant's products, services and members. Please understand that non-Alliant postings to Alliant sponsored pages are not representative of the opinions of Alliant Credit Union. Nor does Alliant confirm the accuracy of content posted by other users.

Do not include personal or account information in posts or private messages. Alliant will never ask for your Social Security number, account information, passwords or PINs via social outlets or email. Alliant Credit Union posts are identified with the three circle logo. We may also direct you to complete an online form or call a Member Service Representative to provide further assistance and the best member service.

Alliant is not affiliated, nor responsible, for the security, privacy or any other operations of the social media outlet or service or third party applications and advertising that may be connected to or linked to by them. We discourage clicking on links posted by other users, as these links may pose risk to your computer or take you to inappropriate sites. We do not compensate for suggestions or ideas posted on Alliant sponsored pages and we reserve the right to remove postings that are:

• Abusive, defamatory, or obscene
• Fraudulent, deceptive or misleading
• In violation of any intellectual property right of another
• In violation of any law or regulation
• Promoting or advertising a business, service or entity unrelated to Alliant Credit Union
• Otherwise inappropriate

Refer to the specific social media site outlet regarding their privacy and security policies. Alliant's privacy policy.

Privacy Notice

91. Privacy Notice (PDF)

NCUA Insurance

33. Alliant Credit Union, Chicago, IL. Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government - National Credit Union Administration (NCUA), a U.S. Government Agency.

eSign

42. If you have established your Alliant membership online, the terms of the Electronic Signature and Consent to Conduct Business Electronically (PDF) disclosure shall apply.

Fees

41. Fee schedule. Fees subject to change.

Account Agreement and Disclosures

40. Account Agreement and Disclosures (PDF)

ATMs

59. Transactions performed at other ATMs may be subject to the ATM owner’s surcharge fee. Please see the online ATM Locator at www.alliantcreditunion.com or our mobile banking app for a list of ATMs that accept deposits or are surcharge-free. Not all ATMs accept deposits.