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Routing Number: 271081528

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64. APY= Annual Percentage Yield. The Jumbo High-Rate Checking is a tiered rate product. Accountholders who opt out of receiving paper statements (receive eStatements only), receive a minimum of $5,000 in direct deposit to the account during the dividend period, and maintain an average daily balance of $10,000 total across all deposit shares in which they are the primary member during the dividend period qualify for the highest tier and earn a Dividend that provides 2.00% APY. Accountholders who opt out of receiving paper statements (receive eStatements only) and receive $2,500 to $4,999 in direct deposit to the account during the dividend period earn a Dividend that provides 1.00% APY. Accountholders who opt out of receiving paper statements (receive eStatements only) and receive $1,000 to $2,499 in direct deposit to the account during the dividend period earn a Dividend that provides 0.25% APY. Accountholders who do not meet any of the above requirements do not earn a Dividend. The APYs are accurate as of the 5/28/2026 dividend declaration date. Regardless of what tier you qualify for, there may be an account that earns a higher interest rate at Alliant. Please see the Deposit Account Rates to compare the rates and fees of all current deposit product accounts.

Jumbo High-Rate Checking dividends may change after account is opened and are subject to change at any time. Jumbo High-Rate Checking Dividends are paid on the last day of each month to accountholders that have satisfied the above-described requirements for the month. Alliant Jumbo High-Rate Checking charges no monthly maintenance or service fees; however, if incurred, other 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 the Jumbo High-Rate Checking account for you if you do not meet Alliant criteria. This account differs from the High-Rate Checking account, which earns a dividend that provides 0.25% APY 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)

For additional information and terms please see the Account Agreement and Disclosures and the Product Disclosures.

15. $817 first‑year savings estimate is a hypothetical example based on market data as of 3/6/2026 and assumes a $45,157 interest‑only HELOC balance. Comparison reflects the national average HELOC rate of 7.18% APR versus an Alliant HELOC with a 3.99% introductory APR for 6 months and a 6.75% variable APR thereafter. Data sources include Bankrate.com and Experian.com. Actual savings will vary and are not guaranteed.

58. APY=Annual Percentage Yield. The Jumbo Savings account is a tiered rate product. Accountholders who have maintained an average daily balance of $100,000 or more qualify for the highest tier and earn a Dividend that provides 3.35% APY. Accountholders who have maintained an average daily balance of $100 to $99,999.99 earn a Dividend that provides 3.01% APY. Accountholders who have maintained an average daily balance of less than $100 do not earn a Dividend. The APYs are accurate as of the 01/22/2026 dividend declaration date. Jumbo Savings dividends may change after account is opened and are subject to change at any time. Jumbo Savings Dividends are paid on the last day of each month to accountholders that have satisfied the above-described minimum balance requirements for the month. Alliant Jumbo Savings charges no monthly maintenance or service fees; however, if incurred, other 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 the Jumbo Savings account for you if you do not meet Alliant criteria. This account differs from the High-Rate savings account, which earns a dividend that provides 3.01% APY with a $100 average minimum balance.

110. With Early Payday, Alliant Credit Union may make incoming electronic direct deposits made through the Automated Clearing House (ACH) available for use up to two days before the scheduled payment date. Not all direct deposits are eligible for Early Payday. Early availability of direct deposits is not guaranteed and may vary from deposit to deposit. Early access to funds is dependent on submission of direct deposit by payor and standard fraud prevention restrictions. Whether we make funds available early depends on when we receive the payor’s payment instructions, any limitations we set on the amount of early availability, and standard fraud prevention screening. Available for personal accounts only. Eligible direct deposits are limited to electronic direct deposits of items such as your payroll, pension, and government benefit payments made through the Automated Clearing House (ACH) to your personal account. Other deposits or credits to your account, such as deposits of funds from person-to-person payment services (e.g., Zelle®, Venmo, or PayPal transfers), check or mobile deposits, and other online transfers or electronic credits are not eligible for Early Payday.

If Alliant makes funds available early through Early Payday and the payor reverses or requests a return of the deposit, or the funds are otherwise uncollected by Alliant, Alliant may debit your account for the deposit amount previously made available early, which may draw your account negative.

109. By completing the prequalification process, you are authorizing Alliant Credit Union to obtain information about you from third parties (if available), including your name and address to autofill your information, and are agreeing to receive SMS messages for the purpose of verification. This prequalification program uses a soft pull of credit to determine your offer and won’t affect your credit score. If you choose to take advantage of the offer presented, your full credit will be pulled at that time. All loans are subject to Alliant Credit Union lending policies. Under certain circumstances—for example, if we cannot verify your income, or if any accounts are past due, over limit or if other underwriting criteria are not met—we may not be able to open a loan account for you, in which case you will be notified. Responding to this offer is not a guarantee of approval. For this offer, we are using Financial Offer System technology from FINOFR, a trusted business partner. Alliant Credit Union does not sell member information. See our Privacy Policy for details.

108. Special offers are subject to change. Alliant Credit Union may discontinue Introductory Rate Home Equity Line of Credit offers without notice, regardless of originally advertised offer period dates. All new accounts and loans are subject to approval. All loans are subject to Alliant Credit Union lending policies. Under certain circumstances—for example, if we cannot verify your income, or if any accounts are past due, over limit or if other underwriting criteria are not met—we may not be able to open a loan account for you, in which case you will be notified. Responding to this offer is not a guarantee of approval. Alliant estimates the value of your home using Automated Value Models (AVMs) which are based on local real estate data. In rare cases where Alliant is not able to establish a value for your property through an AVM, an appraisal can be ordered at the applicant's expense to determine the estimated property value for lending purposes. Alliant Credit Union does not sell member information. See our Privacy Policy for details.

Fixed Introductory Rate Offer Information
The fixed introductory rate offer is available on new applications received from 03/16/2026 through 12/31/2026. The introductory rate is fixed during the introductory period. The introductory rate on new HELOCs is good for 6 months from the date of origination. No member or other discounts are available during the fixed rate introductory period.

Variable Rate Information After Introductory Period
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 6.75% to 16.00%. Loans without automatic payment selection from an Alliant Credit Union account are subject to an increase in rate and margin of 0.25%.

107. Plaid is an independent third party service provider used by Alliant to connect your accounts. Alliant does not manage the operation or content of the Plaid website. The privacy and security policies may differ from those of Alliant. By selecting to connect your accounts using Plaid, you agree to Alliant’s Electronic Banking Terms and Conditions Agreement, including the section titled Third Party Access

105. APR=Annual Percentage Rate. Advertised rate is available on new Tesla Models only. Financing for a loan period of 84 months with a new vehicle rate of 5.49% APR would result in 84 monthly payments of $14.37 per $1,000 borrowed. 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. Member is responsible for any fees associated with transferring of title. 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. Applicants must meet eligibility requirements for Alliant membership.

Rates are 1% higher when refinancing an existing Alliant loan.

103. Alliant Credit Union and Suze Orman’s The Ultimate Opportunity Savings Account Terms and Conditions

This promotion is for new Alliant Credit Union members only. Alliant members can only receive this payout bonus one time. 

New Alliant Credit Union members can earn a $100 bonus deposit by joining Alliant through Suze Orman’s The Ultimate Opportunity Savings Account promotion and meeting the following requirements. Offer valid for one new Alliant Credit Union savings account (“account”) opened from January 1, 2026, through June 30, 2026, and opened by applying online from this page; funded by transfers and/or deposits totaling $100 or more each month for 12 consecutive months. Existing Alliant members, customers who are a joint owner on an Alliant savings account, and former Alliant members who closed an Alliant savings account within 180 days of applying for the new account are not eligible. The first $100 must be transferred and/or deposited within 30 days of account opening, and each calendar month after the first $100 transfer/deposit, funds need to post to the account by the last day of the month. Account must remain open and in good standing, maintain an average daily minimum balance of $100, and the balance at the end of the 12-calendar-month period must be $1,200 or more in order to receive the $100 bonus deposit. Accounts will be reviewed 12 months from the date of the first transfer/deposit to determine eligibility. If all requirements have been met after 12 months, please allow 4 weeks for the $100 bonus deposit to post to your account. You will be responsible for any tax liability. Offer is not transferable and not valid for UTMAs, IRAs or other tax-exempt accounts. Limit one offer per new Alliant member. All account applications are subject to approval. You must apply for the account by 11:59 p.m. CT on June 30, 2026, to be eligible. Must be 18 or older at time of account opening and a legal U.S. Resident or U.S. Person (including a U.S. Resident Alien) to be eligible. Alliant Board of Directors, employees, and their family members of the same household are not eligible to participate. This promotion is subject to all federal, state and local laws and regulations and governed by Illinois law. Promotion is sponsored by Alliant Credit Union, 11545 W. Touhy Ave., Chicago, IL 60666. 

Alliant Credit Union and Suze Orman’s The Ultimate Opportunity Savings Account Terms and Conditions (PDF) 

104. There is no minimum balance requirement to maintain a High-Rate Checking or Jumbo High-Rate Checking account (“accounts”). However, there is a minimum opening deposit requirement of $25 for new and existing Alliant members that open accounts online via open.alliantcreditunion.com (see the Truth-in-Savings Disclosure Chart in the Account Agreement and Disclosures for High-Rate Checking and the Product Disclosures for Jumbo High-Rate Checking for more information regarding minimum opening deposit requirements). Any funds that are deposited at account opening to satisfy a minimum opening deposit requirement may be withdrawn at any time. Accounts that are opened via a paper application or online banking do not have a minimum opening deposit requirement.

The rates advertised by Alliant are not applicable for lease buyout loans offered through our partner Lease Maturity. Please visit Lease Maturity's website (leasematurity.net) for more information regarding lease buyouts.

*We do not offer these types of loans for non-members or non-established members. A member is considered established when, at a minimum, has been a member for at least 90 days.

102. Visa® Your Guide to Benefit: Extended Warranty Protection

101. Visa® Your Guide to Benefit: Travel Accident Insurance

100. Visa® Your Guide to Benefit: Purchase Security

99. Visa® Your Guide to Benefit: Personal Identity Theft protection

98. Visa® Your Guide to Benefit: Auto Rental Collision Damage Waiver

97. Alliant estimates the value of your home using Automated Value Models (AVMs) which are based on local real estate data. In rare cases where Alliant is not able to establish a value for your property through an AVM, an appraisal can be ordered at the applicant's expense to determine the estimated property value for lending purposes.

All loans subject to approval.

87. APR=Annual Percentage Rate. Alliant loan approval, APR,  downpayment required and other terms and conditions based on factors such as 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. You must be or become a member of Alliant. Applicant must meet eligibility requirements for Alliant membership. A 60-month loan with a 5.39% APR would have monthly payments of $19.05 per thousand dollars borrowed.

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

83. Loan approval and APR are based on creditworthiness, payment method, and ability to repay. Rates, terms, and conditions are subject to change. APR = Annual Percentage Rate. As outlined in the Alliant Cashback Visa Signature Card Program Terms & Conditions, certain purchase categories do not qualify for cash back. Please review the Alliant Cashback Visa® Signature Card Agreement and Alliant Cashback Visa® Signature Card Disclosure for complete details.

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. We must have your TrueCar Certificate to confirm that you qualify for the rate discount prior to funding your loan. This allows us to apply the rate discount to your application and reflect the accurate rate in your closing loan documents. Rate applies to new, untitled vehicles with a loan term of up to 60 months. Payment example: A 60-month loan with a 4.89% fixed APR would have monthly payments of $18.82 per thousand dollars borrowed. Alliant loan approval, APR, downpayment required and other terms and conditions based on factors such as 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.

78. Alliant checking charges no monthly maintenance or service fees. Please refer to the Alliant Fee Schedule for a list of fees.

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 Savings ATM Card and Visa International Service Assessment (ISA) fee, referenced as the foreign transaction fee on account statements. 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.

71. APY= Annual Percentage Yield. Comparison based on Alliant Credit Union 3.01% APY as of the 01/22/2026 dividend declaration date vs. the bank national average savings rate of .19% APY as of 4/13/2026 sourced from National Association of Federal Credit Unions in cooperation with SNL Financial and Datatrac Corp.

1. Between 1/1/25 and 12/31/25, the average savings off MSRP experienced by consumers who connected with a TrueCar Certified Dealer through a TrueCar-powered auto buying program and who were identified as buying a new vehicle from that Certified Dealer was $2,797. Your actual savings may vary based on multiple factors, including the vehicle you select, region, dealer, and applicable vehicle-specific manufacturer incentives, which are subject to change. The MSRP is determined by the manufacturer and may not reflect the price at which vehicles are generally sold in the dealer's trade area, as many vehicles are sold below MSRP. Each dealer sets its own pricing.

7. You must keep records sufficient to show that the distributions:

  • Were used exclusively to pay for or reimburse qualified medical expenses,
  • Had not been previously paid or reimbursed from another source, and
  • Had not been taken as an itemized deduction in any year

8. Federally insured to at least $250,000 and backed by the full faith and credit of the United States Government by the National Credit Union Administration, a U.S, Government Agency.

13. Deposit insurance through NCUA is a $250,000 on all IRA products.

16. Credit Union Traditional IRA Custodial Agreement

17. Credit Union Roth IRA Custodial Agreement

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. Please refer to the Alliant Fee Schedule for a list of fees.

Overdraft protection is optional. You must opt in to benefit from this free service and you can unenroll at any time. 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 Savings or Supplemental Savings Account. To do so, we automatically transfer funds from your Alliant Savings or Supplemental Savings Account to your Alliant checking account to cover your overdrafts. Overdraft protection does not cover ATM transactions.

Courtesy Pay is a discretionary "courtesy" overdraft service. There is no fee to enroll in or use the Courtesy Pay service and you can unenroll at any time. 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. Standard Courtesy Pay may pay checks and ACH electronic items that would not have cleared otherwise due to insufficient funds, up to an approved limit. The full amount of the overdraft balance will be due immediately but in no event more than 30 days from the date of the occurrence at which time Courtesy Pay privileges will be suspended and possibly terminated. If you opt in for extended coverage, Courtesy Pay may also cover everyday debit 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 Disclosures and the Courtesy Pay Disclosure for details and the Fee Schedule for a list of fees. Courtesy Pay does not cover ATM transactions. We may not pay an overdraft if you do not meet eligibility standards.

If you qualify for Alliant Jumbo High-Rate Checking Tier 3, Alliant will rebate ATM fees up to $1,000,000 per month to your Jumbo High-Rate Checking account when you use your Alliant Jumbo High-Rate 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 Savings ATM Card and Visa International Service Assessment (ISA) fee, referenced as the foreign transaction fee on account statements. Not all ATMs accept deposits.

For other Jumbo High-Rate Checking tiers and High-Rate Checking, Alliant will rebate ATM fees up to $20 per month to your checking account when you use your 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 Savings ATM Card and Visa International Service Assessment (ISA) fee, referenced as the foreign transaction fee on account statements. 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 High-Rate Checking account each month (e.g., a direct deposit, payroll deposit, ATM deposit, mobile check deposit or transfer from another financial institution). Otherwise, Alliant High-Rate Checking accounts do not earn a dividend. The 02/01/2026 High Rate Checking dividend provides an Annual Percentage Yield (APY) of 0.25% APY. The APY is accurate as of the 01/22/2026 dividend declaration date. Dividend may change after account is opened and is subject to change at any time. There is no minimum balance requirement to earn a dividend for Alliant High-Rate Checking. Account is subject to approval. We may not open checking for you if you do not meet Alliant criteria.

22. A minimum $5 deposit (provided compliments of Alliant) is required to open an Alliant Savings Account. 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 dividends may change after account is opened and is subject to change at any time. There is no maximum balance limit. Account is subject to approval. Applicant must meet eligibility requirements for Alliant membership.

30. Accidental Death and Dismemberment Insurance is offered by Franklin Madison Group LLC and underwritten by Minnesota Life Insurance Company. The insurance offered is not a deposit and is not federally insured or guaranteed by your credit union.

31. Your Credit Union (“Financial Institution”) provides referrals to financial professionals of LPL Financial LLC (“LPL”) pursuant to an agreement that allows LPL to pay the Financial Institution for these referrals. This creates an incentive for the Financial Institution to make these referrals, resulting in a conflict of interest. The Financial Institution is not a current client of LPL for advisory services.

Please visit https://www.lpl.com/disclosures/is-lpl-relationship-disclosure.html or scan the QR code below for more detailed information.

Financial professionals are registered reps with, and securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker/dealer (member FINRA/SIPC). ). Insurance products are offered through LPL or its licensed affiliates. Alliant Credit Union (ACU) and Alliant Retirement and Investment Services (ARIS) are not registered as a broker-dealer or investment advisor. Registered representatives of LPL offer products and services using ARIS, and may also be employees of ACU. These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of, ACU. The ARIS site is designed for U.S. residents only. The services offered within this site are offered exclusively through our U.S. registered representatives. LPL Financial Registered Representatives associated with this site may discuss and/or transact securities business with residents of all 50 states. Securities and insurance offered through LPL or its affiliates are:

Not Insured by NCUA or Any Other Government Agency

Not Credit Union Guaranteed

Not Credit Union Deposits or Obligations

May Lose Value

lpl.com

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.

34. We may provide links to third party sites, independent from Alliant Credit Union. These links are provided only as a convenience and do not constitute an official endorsement of the website, application or company by Alliant Credit Union. Alliant Credit Union does not manage the operation or content of these third party websites or applications. The privacy and security policies of the websites or applications may differ from those of Alliant Credit Union.

35. All deposits are subject to the Alliant Credit Union's Funds Availability Policy. Deposits are subject to verification. Funds deposited via Mobile Check Deposit are NOT subject to the funds availability requirements of Regulation CC. Refer to your Account Agreement and Disclosures for funds availability information, and the Remote and Electronic Deposit Services Agreement for more information on use of services.

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.

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. 

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.

41. Fee schedule. Fees subject to change.

40. Account Agreement and Disclosures (PDF)

Interest-only Home Equity Line of Credit
45. Home equity products are available in the following states: AZ, CA, CO, CT, FL, GA, HI, IL, IN, KY, MA, MI, MN, MO, NC, NJ, 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 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 85% depending on state in which the property is located and credit worthiness. The following states are limited to a maximum of 80% CLTV: AZ, CA, CO, FL, GA, IN, MI, MO, NC, NV, TN, UT. 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 6.75% to 16.00%. Loans without automatic payment selection from an Alliant Credit Union account are subject to an increase in rate and margin of 0.25%. No closing costs (excluding applicant ordered appraisals and notary fees) based on Interest-only Home Equity Line of Credit (HELOC) loans up to $250,000 and meeting Alliant criteria. A fee of up to $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. We will require a full appraisal, at applicant's expense, in the event your property is in a FEMA-deemed natural disaster area. 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 36 months 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. 2570 for more information on an Alliant Interest-only Home Equity Line of Credit.

48. APR=Annual Percentage Rate. 5/6, 7/6 and 10/6 adjustable rate mortgages available in all states except Maryland. Loan approval, interest rate, and down payment required based on creditworthiness, amount financed, and ability to repay. Origination fee is $1,200. Loans with a down payment less than 20% may 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 5/6, 7/6 and 10/6 ARMs offer a fixed rate for the initial period of the loan and adjust to a 6 month ARM after that period. The interest rate and monthly payment may adjust bi-annually based on the 30 day average Secured Overnight Funding Rate (SOFR), plus a margin of 2.75 percentage points with a 5% life time cap. 7/6 ARM Payment for a $400,000 loan with a 6.75% rate and 6.911% APR, the first 84 payments are $2,594.39 with 275 payments at $3,814.98 if the rate adjusts to the maximum of 11.75%, with one remaining payment at $3,809.41. 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 Loan to Value (LTV), credit score, and debt to income ratio.

50. Fixed rate mortgages available in all states except Maryland. Loan approval, interest rate, and downpayment required based on creditworthiness, amount financed, and ability to repay. Loans with a down payment less than 20% may require mortgage insurance which could increase the monthly payment and Annual Percentage Rate. Origination fee is $1,200. 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 Loan to Value (LTV), credit score, and debt to income ratio. 

Example Fixed Rate Mortgages Monthly Repayment Terms

Loan Type Rate(%) APR(%) Payment Per $1,000 Borrowed
15-Yr. Fixed (180 months) 5.875 5.922 8.37

20-Yr. Fixed (240 months)

 6.625 6.664 7.53
30-Yr. Fixed (360 months) 6.875 6.905 6.57

Payment on a 30-year fixed rate $400,000 loan with a 6.25% interest rate and 6.290% APR has a monthly payment of $2,463. 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.

51. Loan approval and APR based on creditworthiness and ability to repay. Rates, terms, and conditions are subject to change. APR=Annual Percentage Rate. The introductory rate on purchases and balance transfers is good for 12 months from the date of account opening based on your credit worthiness. After that, or if you don’t qualify for the introductory rate, your APR will adjust to your standard variable rate which will apply to all new purchases, new balance transfers, and all unpaid purchase and balance transfer balances remaining from the introductory period. Standard purchase and balance transfer APR from 13.74%–25.74% depending on your creditworthiness. See the Alliant Visa Card Disclosure (PDF) and Alliant Visa Platinum Card Agreement (PDF) for more information.

55. APR=Annual Percentage Rate. Loan approval, APR and downpayment required, and other terms and conditions, are based on factors such as LTV (Loan to Value), payment method, creditworthiness, collateral (including age of vehicle), the term of the loan and full-time/part-time RV occupancy 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 6.24% APR would have monthly payments of $11.22 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.

56. APR=Annual Percentage Rate. APR is 0.4% higher without automatic payment option. Loan approval and APR based on factors such as payment method, creditworthiness and ability to repay. Rates, terms and conditions are subject to change. A loan with a rate of 8.74% APR with a term of 12 months would result in monthly payments of $87.33 per $1,000 borrowed. Payment example is an estimate. Your actual payment may differ based on your special qualifying rate and loan terms. Rates are 1% higher when refinancing an existing Alliant loan.

57. APY= Annual Percentage Yield. The APY is accurate as of the 01/22/2026 dividend declaration date. A $1000.00 minimum deposit is required to open a Regular Alliant Certificate. A $75,000 minimum deposit is required to open an Alliant Jumbo Certificate. If you open an Alliant Jumbo Certificate with a minimum deposit of $75,000, but later withdraw funds from the account and bring the balance below $75,000, the Alliant Jumbo Certificate will convert to a Regular Alliant Certificate, which may pay a lower rate. You must be an Alliant member. Alliant Certificates are available as Regular Share Certificates and, Jumbo Share Certificates. Both Regular and Jumbo Certificate types are also offered as Traditional IRA Certificates, Roth IRA Certificates,  and SEP IRA 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. A penalty will be imposed for early withdrawal of any principal amount. 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. Fees may reduce earnings on the account.

3-5 months
Regular Share Certificates with a term between 3 and 5 months provide a Dividend Rate of 3.06% – Compounded Annual Percentage Yield of 3.10% APY on balances between $1,000 and $74,999.99. Jumbo Share Certificates with a term between 3 and 5 months provide a Dividend Rate of 3.06% – Compounded Annual Percentage Yield of 3.10% APY on balances $75,000 or greater. IRA Certificates with a term between 3 and 5 months provide a Dividend Rate of 3.06% – Compounded Annual Percentage Yield of 3.10% APY on balances between $1,000 and $74,999.99. Jumbo IRA Certificates with a term between 3 and 5 months provide a Dividend Rate of 3.06% – Compounded Annual Percentage Yield of 3.10% APY on balances $75,000 or greater.

6-11 months
Regular Share Certificates with a term between 6 and 11 months provide a Dividend Rate of 3.83% – Compounded Annual Percentage Yield of 3.90% APY on balances between $1,000 and $74,999.99. Jumbo Share Certificates with a term between 6 and 11 months provide a Dividend Rate of 3.83% – Compounded Annual Percentage Yield of 3.90% APY on balances $75,000 or greater. IRA Certificates with a term between 6 and 11 months provide a Dividend Rate of 3.83% – Compounded Annual Percentage Yield of 3.90% APY on balances between $1,000 and $74,999.99. Jumbo IRA Certificates with a term between 6 and 11 months provide a Dividend Rate of 3.83% – Compounded Annual Percentage Yield of 3.90% APY on balances $75,000 or greater.

12-17 months
Regular Share Certificates with a term between 12 and 17 months provide a Dividend Rate of 3.69% – Compounded Annual Percentage Yield of 3.75% APY on balances between $1,000 and $74,999.99. Jumbo Share Certificates with a term between 12 and 17 months provide a Dividend Rate of 3.74% – Compounded Annual Percentage Yield of 3.80% APY on balances $75,000 or greater. IRA Certificates with a term between 12 and 17 months provide a Dividend Rate of 3.69% – Compounded Annual Percentage Yield of 3.75% APY on balances between $1,000 and $74,999.99. Jumbo IRA Certificates with a term between 12 and 17 months provide a Dividend Rate of 3.74% – Compounded Annual Percentage Yield of 3.80% APY on balances $75,000 or greater.

18-23 months
Regular Share Certificates with a term between 18 and 23 months provide a Dividend Rate of 3.54% – Compounded Annual Percentage Yield of 3.60% APY on balances between $1,000 and $74,999.99. Jumbo Share Certificates with a term between 18 and 23 months provide a Dividend Rate of 3.59% – Compounded Annual Percentage Yield of 3.65% APY on balances $75,000 or greater. IRA Certificates with a term between 18 and 23 months provide a Dividend Rate of 3.54% – Compounded Annual Percentage Yield of 3.60% APY on balances between $1,000 and $74,999.99. Jumbo IRA Certificates with a term between 18 and 23 months provide a Dividend Rate of 3.59% – Compounded Annual Percentage Yield of 3.65% APY on balances $75,000 or greater.

24-35 months
Regular Share Certificates with a term between 24 and 35 months provide a Dividend Rate of 3.54% – Compounded Annual Percentage Yield of 3.60% APY on balances between $1,000 and $74,999.99. Jumbo Share Certificates with a term between 24 and 35 months provide a Dividend Rate of 3.64% – Compounded Annual Percentage Yield of 3.70% APY on balances $75,000 or greater. IRA Certificates with a term between 24 and 35 months provide a Dividend Rate of 3.54% – Compounded Annual Percentage Yield of 3.60% APY on balances between $1,000 and $74,999.99. Jumbo IRA Certificates with a term between 24 and 35 months provide a Dividend Rate of 3.64% – Compounded Annual Percentage Yield of 3.70% APY on balances $75,000 or greater.

36-47 months
Regular Share Certificates with a term between 36 and 47 months provide a Dividend Rate of 3.54% – Compounded Annual Percentage Yield of 3.60% APY on balances between $1,000 and $74,999.99. Jumbo Share Certificates with a term between 36 and 47 months provide a Dividend Rate of 3.64% – Compounded Annual Percentage Yield of 3.70% APY on balances $75,000 or greater. IRA Certificates with a term between 36 and 47 months provide a Dividend Rate of 3.54% – Compounded Annual Percentage Yield of 3.60% APY on balances between $1,000 and $74,999.99. Jumbo IRA Certificates with a term between 36 and 47 months provide a Dividend Rate of 3.64% – Compounded Annual Percentage Yield of 3.70% APY on balances $75,000 or greater.

48 months
Regular Share Certificates with a term of 48 months provide a Dividend Rate of 3.59% – Compounded Annual Percentage Yield of 3.65% APY on balances between $1,000 and $74,999.99. Jumbo Share Certificates with a term of 48 months provide a Dividend Rate of 3.64% – Compounded Annual Percentage Yield of 3.70% APY on balances $75,000 or greater. IRA Certificates with a term of 48 months provide a Dividend Rate of 3.59% – Compounded Annual Percentage Yield of 3.65% APY on balances between $1,000 and $74,999.99. Jumbo IRA Certificates with a term of 48 months provide a Dividend Rate of 3.64% – Compounded Annual Percentage Yield of 3.70% APY on balances $75,000 or greater.

60 months
Regular Share Certificates with a term of 60 months provide a Dividend Rate of 3.59% – Compounded Annual Percentage Yield of 3.65% APY on balances between $1,000 and $74,999.99. Jumbo Share Certificates with a term of 60 months provide a Dividend Rate of 3.64% – Compounded Annual Percentage Yield of 3.70% APY on balances $75,000 or greater. IRA Certificates with a term of 60 months provide a Dividend Rate of 3.59% – Compounded Annual Percentage Yield of 3.65% APY on balances between $1,000 and $74,999.99. Jumbo IRA Certificates with a term of 60 months provide a Dividend Rate of 3.64% – Compounded Annual Percentage Yield of 3.70% APY on balances $75,000 or greater.

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.org or our mobile banking app for a list of ATMs that accept deposits or are fee free. Not all ATMs accept deposits.

61. APY=Annual Percentage Yield. The High Rate Checking Dividend provides an Annual Percentage Yield (APY) of 0.25% APY. The APY is accurate as of the 01/22/2026 dividend declaration date. Checking dividend may change after account is opened and is subject to change at any time. There is no minimum balance requirement 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, other fees may reduce earnings on the account. Please refer to the Alliant Fee Schedule for a list of these types of fees. Dividend applies to Checking and Teen Checking Accounts. Account is subject to approval. We may not open checking for you if you do not meet Alliant criteria.

63. The savings dividend provides an Annual Percentage Yield (APY) of 3.01%. The APY is accurate as of the 01/22/2026 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 at any time. Dividend applies to Savings, Supplemental Savings, Emergency Savings, Kids Savings Accounts, UTMA Custodial Accounts, Trust Accounts and IRA. Fees may reduce earnings on the account.

  
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