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Posts in Alliant News

Alliant raises its savings dividend rates – AGAIN!

2/2/15 • Alliant News • Press Releases

Alliant Credit Union is pleased to announce that it has increased the dividend rate on its savings accounts (including regular, supplemental, kidz klub and Coverdell savings accounts), Certificates, and IRAs for the second time in the past six months. Alliant also now offers jumbo Certificates with special, higher rates for
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Alliant Credit Union credit and debit cards now work with Apple Pay

1/28/15 • Alliant News • Press Releases

Alliant Credit Union is pleased to announce that its Alliant Visa Platinum and Platinum Rewards credit cards and Alliant checking account Visa debit cards can now be used with Apple Pay, the easy, secure way to pay with new Touch ID Apple devices. “Our members are convenience oriented and
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Alliant responds and delights members with ATM Rebates

1/21/15 • Alliant News • Press Releases

Responding to member feedback and the increasing fees charged by ATM owners, Alliant Credit Union recently introduced ATM Rebates.1 Alliant will reimburse their checking account holders up to $20 per month in ATM fees. Alliant regularly surveys its members to assess their satisfaction and likelihood to recommend Alliant. &ldquo
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Alliant CEO On Board at National Credit Union Foundation

6/10/14 • Alliant News • Press Releases

Alliant Credit Union President & CEO David Mooney was recently elected to the National Credit Union Foundation (NCUF) Board of Directors. NCUF is the charitable arm of the credit union industry, helping to improve people’s financial lives through credit unions. With assistance from NCUF grants and programs, credit
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Alliant Credit Union Offers Scholarships and Computer Gift Awards

4/10/14 • Alliant News • Press Releases

Alliant Credit Union will award $2,000 scholarships to five members through its 12th annual Members Scholarship Program, announced President & CEO David Mooney. In addition, the credit union is holding its 10th annual National Education Program, which awards computer gift cards to nine young members. Gift card amounts vary from $1,000 to $250,
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Alliant Credit Union adds Google “Save to Drive” functionality to Alliant Online Banking

10/1/13 • Alliant News • Press Releases

Alliant Credit Union today announced the addition of Google’s “Save to Drive” functionality into Alliant Online Banking. Developed with assistance from Business Data, Inc. (BDI), Alliant’s provider for eStatements and eTaxes, this technology will make it possible for Alliant members to save their Alliant
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Alliant Credit Union Beats the Banks in Customer Satisfaction

1/3/13 • Alliant News • Press Releases

When it comes to customer satisfaction, Alliant Credit Union beats the banks, according to the American Customer Satisfaction Index (ACSI). Based on 2012 ACSI benchmark findings, Alliant's satisfaction rating of 82 on a 100 point scale is significantly better than the bank national average of 77. Alliant is even further ahead when compared
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Alliant Credit Union Selects LPL Financial to Assist Expansion of Retirement and Investment Services

1/2/13 • Alliant News • Press Releases

Alliant Credit Union, America's sixth largest credit union in assets, announced that it is now partnering with LPL Financial, the nation's largest independent broker-dealer, based on total revenues. This partnership will provide enhanced and expanded brokerage, wealth management and trust services offered through Alliant Retirement and Investment Services,
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Alliant Credit Union Foundation Announces Winners Of Social Media Charity Campaign

11/7/11 • Alliant News • Press Releases

"People voting to give back on Facebook® have decided how our Foundation will divide $40,000 in grants among four selected charities," stated Alliant Credit Union Foundation Board Chairman David W. Mooney, while discussing the Foundation's recent ‘Make It Count' charity campaign. He said online
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Alliant Credit Union Announces Financial Tip Of The Week Contest

11/2/11 • Alliant News • Press Releases

Chicago based Alliant Credit Union is holding a contest called "Money Matters", which is related to the credit union's Tip of the Week program, according to Alliant President & CEO David W. Mooney. "We're awarding prizes to participants who submit the best tips for reaching financial
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Get to know the team at Alliant, and learn more about what makes us different.

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800-328-1935

11545 West Touhy Avenue, Chicago, IL 60666

1600 Golf Rd, Rolling Meadows, IL 60008

Routing #271081528

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1. 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. 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.

88. The Alliant Home Rewards Program is offered by Vast Real Estate Services, a licensed real estate broker. Vast Real Estate Services is not affiliated with Alliant Credit Union. Alliant Credit Union is not responsible for the Alliant Home Rewards Program service.

Obtaining a mortgage from Alliant Credit Union is optional and not required to utilize The Alliant Home Rewards Program. The borrower may arrange for financing with any lender in order to qualify for the reward offer.

Program may be unavailable for employer-sponsored relocations. Not available for transactions in Iowa or outside of the U.S. This is not a solicitation if you are already represented by a real estate broker. Reward offer limited in some states. Cash rebate reward will be issued in the form of a check unless otherwise directed by state law and will be sent to the buyer enrolled in the program within 45 days after your closing. Reward amount is based on sale price of the home purchased and/or sold and cannot exceed $6,500 per buy or sell transaction. To receive the maximum amount offered of $6,500, the sale price of the home sold or purchased must be $1.5 million dollars or more. Real estate agent fees still apply. A reward is not available in Alaska, Louisiana, Mississippi and Oklahoma. In Kansas and Tennessee, a gift card will be issued that is accepted at specific retailers. State regulations in Kansas limit the dollar amounts and the type of incentive. In Oregon, a commission reduction may be available at closing. In New Jersey, a commission credit may be available at closing in lieu of a cash reward. Please check with the program coordinator for details. You must be enrolled in the program and be represented at closing by an approved agent with a participating real estate firm in order to qualify for the reward. Reward not available to sellers in a short sale transaction. In certain states, buyers need seller cooperation in order to participate in the reward program. Availability restrictions apply.

Alliant Credit Union loans subject to credit approval. Offer subject to change or cancellation without notice.

87. APR=Annual Percentage Rate. 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. 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 3.74% APR would have monthly payments of $18.31 per thousand dollars borrowed.

1. APY= Annual Percentage Yield. The 12/01/2018 High Rate Savings and Kids Saving dividend provides an Annual Percentage Yield (APY) of 2.00% APY. The APY is accurate as of the 11/26/2018 dividend declaration date.

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 monthly. There is no maximum balance limit. Account is subject to approval. Applicant must meet eligibility requirements for Alliant membership.

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.

2. Alliant High-Rate Checking and Teen Checking have no monthly 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. 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.

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. Alliant will rebate fees incurred at other nonsurcharge-free ATMs 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.

3. APY=Annual Percentage Yield. The 12/01/2018 High Rate Checking and Teen Checking dividend provides an Annual Percentage Yield (APY) of 0.65% APY. The APY is accurate as of the 11/26/2018 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 has no monthly 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. Account is subject to approval. We may not open checking for you if you do not meet Alliant criteria.

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. 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. 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)

1. APY= Annual Percentage Yield. The APY is accurate as of the 11/26/2018 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, Coverdell Education Savings Account (ESA) Certificates and SEP Certificates. In addition, prior to opening an IRA Certificate (Traditional, Roth and SEP) or Coverdell ESA Certificate, you must have or establish an IRA or Coverdell ESA 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 or Coverdell ESA Certificates. 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 2.618% – 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 2.667% – Compounded Annual Percentage Yield of 2.70% APY on balances $25,000 or greater. IRA Certificates with a term between 12 and 17 months provide a Dividend Rate of 2.618% – 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 2.667% – Compounded Annual Percentage Yield of 2.70% 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 2.521% – Compounded Annual Percentage Yield of 2.55% 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 2.570% – Compounded Annual Percentage Yield of 2.60% APY on balances $25,000 or greater. IRA Certificates with a term between 18 and 23 months provide a Dividend Rate of 2.570% – Compounded Annual Percentage Yield of 2.60% 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 2.618% – 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 2.570% – Compounded Annual Percentage Yield of 2.60% 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 2.618% – 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 2.618% – 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 2.667% – Compounded Annual Percentage Yield of 2.70% 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 2.618% – Compounded Annual Percentage Yield of 2.65% 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 2.667% – 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 2.667% – 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 2.716% – Compounded Annual Percentage Yield of 2.75% APY on balances $25,000 or greater.

48 months
Regular Share Certificates with a term of 48 months provide a Dividend Rate of 2.716% – 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 2.765% – Compounded Annual Percentage Yield of 2.80% APY on balances $25,000 or greater. IRA Certificates with a term of 48 months provide a Dividend Rate of 2.765% – Compounded Annual Percentage Yield of 2.80% APY on balances between $1,000 and $24,999.99. Jumbo IRA Certificates with a term of 48 months provide a Dividend Rate of 2.813% – Compounded Annual Percentage Yield of 2.85% APY on balances $25,000 or greater.

60 months
Regular Share Certificates with a term of 60 months provide a Dividend Rate of 3.008% – Compounded Annual Percentage Yield of 3.05% APY on balances between $1,000 and $24,999.99 Jumbo Share Certificates with a term of 60 months provide a Dividend Rate of 3.057% – Compounded Annual Percentage Yield of 3.10% APY on balances $25,000 or greater. IRA Certificates with a term of 60 months provide a Dividend Rate of 3.057% – Compounded Annual Percentage Yield of 3.10% APY on balances between $1,000 and $24,999.99. Jumbo IRA Certificates with a term of 60 months provide a Dividend Rate of 3.105% – Compounded Annual Percentage Yield of 3.15% APY on balances $25,000 or greater.

2. 2018 S&P 500 performance from Morningstar, June 31, 2018.

1. APY= Annual Percentage Yield. Comparison based on Alliant Credit Union 2.00 APY as of 11/26/2018 vs. the bank national average savings rate as of 12/03/2018 sourced from National Association of Federal Credit Unions in cooperation with SNL Financial and Datatrac Corp.

The December savings dividend provides an Annual Percentage Yield (APY) of 2.00%. The APY is accurate as of the 11/26/2018 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.

2. 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 monthly. There is no maximum balance limit. Account is subject to approval. Applicant must meet eligibility requirements for Alliant membership.

APR=Annual Percentage Rate. Introductory rate and incentive offers, including bonus points, are not available to those members who in the previous six months have had (i) an open Alliant Visa credit card account, or (ii) an outstanding balance on a closed Alliant Visa credit card account.

1. To earn the 10,000 bonus Alliant Rewards points, new cardholder must spend $500 or more in qualifying purchases on his/her Alliant Credit Union Platinum Rewards Visa credit card during the first 90 days the account is opened. Points will be awarded and posted to the account, if applicable, by the fourth billing cycle after the account is opened.

2. The cash advance fee is 2% of the amount of the advance, but not less than $10. We will begin charging interest on cash advances on the transaction date. The foreign transaction fee is 1% of each transaction where the merchant country differs from the country of the card issuer. The minimum payment required is 3% of your balance or $25, whichever is greater, plus the amount of any prior minimum payments that you have not made.

3. 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)

4. The introductory rate on purchases and balance transfers is good for 12 billing cycles from the date that your new Alliant Credit Union Visa Platinum Rewards credit card is opened. After the twelfth billing cycle, your APR will adjust to your standard variable rate, which will apply to all new purchases and new balance transfers and all unpaid purchase and balance transfer balances remaining from the introductory period. APR may vary after the account is opened. After the introductory period, any remaining unpaid balances and new transactions will be at your low variable rate. You will have no less than a 25 day grace period on new purchases and balance transfers posted to your account during a billing cycle. Such transactions will not incur a finance charge for that billing cycle if you had a zero or credit balance at the beginning of that billing cycle or you paid the entire New Balance on the previous cycle’s billing statement by the Payment Due Date of that statement otherwise a finance charge will accrue from the date a purchase or balance transfer is posted to your account. To avoid an additional finance charge on the balance of purchases and balance transfers, you must pay the entire New Balance on the billing statement by the Payment Due Date of that statement or 25 days from the statement closing date listed on that statement, whichever is longer, or you may lose the grace period on new purchases.

See the Alliant Credit Union Visa Disclosure for more information.

5. The cash advance fee is 2% of the amount of the advance, but not less than $10. We will begin charging interest on cash advances on the transaction date. The foreign transaction fee is 1% of each transaction where the merchant country differs from the country of the card issuer. The minimum payment required is 3% of your balance or $25, whichever is greater, plus the amount of any prior minimum payments that you have not made.

1. 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), 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 to apply. Applicant must meet eligibility requirements for Alliant membership.

2. 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 $1,795. 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.

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

3. 5/1, 7/1 and 10/1 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 $1,795. 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.

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

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.

Not NCUA Insured

No Credit Union Guarantee

May Lose Value

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.

^*Financial consultants registered with LPL Financial.

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 2016 and newer vehicles with a loan term of up to 60 months. 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.

80. Bank average new auto loan rate sourced from National Association of Federal Credit Unions in cooperation with SNL Financial and Datatrac Corp. 12/03/2018.

79. Alliant auto loan rates as of 12/03/2018 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.

78. 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.

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.

77. All dividend rates accurate as of 11/26/2018.

73. Tax laws are subject to change. Contact a tax professional for more details.

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.

71. APY= Annual Percentage Yield. Comparison based on Alliant Credit Union 2.00% APY as of 12/01/2018 vs. the bank national average savings rate of .11% APY as of 12/03/2018 sourced from National Association of Federal Credit Unions in cooperation with SNL Financial and Datatrac Corp.

69. Comparison based on Alliant Credit Union 0.65% APY as of 12/01/2018 vs. the bank national average savings rate as of 12/03/2018 sourced from National Association of Federal Credit Unions in cooperation with SNL Financial and Datatrac Corp.

70. APY= Annual Percentage Yield. Comparison based on Alliant Credit Union 2.00% APY as of 12/01/2018 vs. the bank national average savings rate as of 12/03/2018 sourced from National Association of Federal Credit Unions in cooperation with SNL Financial and Datatrac Corp.

67. Ratio of return on investment. (2010). Retrieved September 2, 2015, from LifeBenefit.

66. Employers Benefit Report (2017). WORKPLACE INSIGHTS.
The emerging practice of financial wellness

64. To earn the 5,000 bonus Alliant Rewards points, new cardholder must spend $500 or more in qualifying purchases on his/her Alliant Credit Union Platinum Rewards Visa credit card during the first 90 days the account is opened. Points will be awarded and posted to the account, if applicable, at the close of the next billing cycle after the $500 spend threshold is met. Introductory rate and incentive offers, including bonus points, are available only to members whose accounts are in good standing, and not available to those who in the previous six months have had (I)an open Alliant Visa credit card account, or (II) an outstanding balance on a closed Alliant Visa credit card account.

1. Between 7/1/17 and 9/30/17, the average savings off MSRP presented by TrueCar Certified Dealers to users of TrueCar powered websites, based on users who configured virtual vehicles and who TrueCar identified as purchasing a new vehicle of the same make and model listed on the certificate from a Certified Dealer as of 10/31/2017, was $3,383. 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 Manufacturer’s Suggested Retail Price (“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 not all vehicles are sold at MSRP. Each dealer sets its own pricing.

2. 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.

3. Except vessels and airplanes. Includes auto, boats, ATV, personal watercraft, and snowmobiles.

4. 25% of compensation. Annual max for 2014 is $52,000 or $53,000 for 2015.

6. Generally, unless law dictates otherwise (contact your professional advisor)

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.

9. Sources: 2017 PWC Financial Wellness Survey, Personal Financial Employer Education Foundation

12 We are unable to provide financial advice but can answer questions on specific IRA products.

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; 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.

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.

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 12/01/2018 High Rate Checking dividend provides an Annual Percentage Yield (APY) of 0.65% APY. The APY is accurate as of the 11/26/2018 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. Your first box of standard checks is free. Other check designs are available for an extra charge.

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.

21. Comparison based on Alliant Credit Union 2.00% APY as of 12/01/2018 vs. the bank national average savings rate as of 12/03/2018 sourced from National Association of Federal Credit Unions in cooperation with SNL Financial and Datatrac Corp.

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 monthly. There is no maximum balance limit. Account is subject to approval. Applicant must meet eligibility requirements for Alliant membership.

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.

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.

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

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

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

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

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.

Not NCUA Insured

No Credit Union Guarantee

May Lose Value

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. 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.

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.

36. Android is a trademark of Google Inc.

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.

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)

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.

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.

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

Loan Type	APR(%)	Payment Per $1,000
5-Yr. Fixed (60 months)	5.50	19.10
10-Yr. Fixed (120 months)	5.75	10.98
15-Yr. Fixed (180 months)	6.00	8.44

APR = Annual Percentage Rate.

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.

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.

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.

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

Loan Type	Rate(%)	APR(%)	Payment Per $1,000
15-Yr. Fixed (180 months)	4.125	4.337	7.46
30-Yr. Fixed (360 months)	4.625	4.748	5.14

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

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)

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 $370.59 per $20,000 borrowed based on a rate of 4.25% APR as of 10/01/18 and a repayment term of 5 years.

Variable Rate payment example: Monthly payment of $366.08 per $20,000 borrowed based on a rate of 3.75% APR as of 10/01/18 and a repayment term of 5 years.

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 4.99% APR would have monthly payments of $10.61 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 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.

57. APY= Annual Percentage Yield. The APY is accurate as of the 11/26/2018 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.

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.

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. APY=Annual Percentage Yield. The 12/01/2018 High Rate Checking dividend provides an Annual Percentage Yield (APY) of 0.65% APY. The APY is accurate as of the 11/26/2018 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. 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.

63. The December savings dividend provides an Annual Percentage Yield (APY) of 2.00%. The APY is accurate as of the 11/26/2018 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.

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