The Ultimate Opportunity Savings Account | Alliant Credit Union

NOW AVAILABLE FOR NEW & EXISTING MEMBERS: Lock in a high rate with 6-, 12- and 18-month Ultimate Certificates

Jumpstart your savings goals with The Ultimate Opportunity Savings Account

This savings promotion is for new Alliant Credit Union members only.

Get started on your savings journey
Start making every dollar count today!

1. Apply for an account

This is the easiest and quickest part! Once you’re approved for The Ultimate Opportunity Savings Account, you’ll be ready to deposit your money and join the thousands of savvy savers who have already taken advantage of the ultimate opportunity.

2. Make saving easy

Deposit at least $100 a month—for 12 consecutive months—into The Ultimate Opportunity Savings Account.1 Not only will you earn the current interest rate of 3.10% APY2, but after those 12 consecutive months, you’ll also get a $100 bonus!1

3. Get your bonus

Once you’ve made your 12 consecutive monthly deposits—and have a balance of $1,200 or more—we’ll automatically deposit a $100 bonus into your account!1 Way to go!

Alliant is my favorite go-to credit union because they have integrity, are honest, care about their members and will always put their members’ needs first.
Suze Orman

Here’s why Suze loves The Ultimate Opportunity Savings Account

  • $100 bonus deposit to reward you for saving smart (did you know you’d normally need to deposit $18,170 in the bank to earn $100 in interest in one year?!)1,3
  • No overdraft fees on savings or checking accounts4
  • $0 in monthly fees if you elect eStatements
  • No minimum balance fees or maximum balance limits
  • 24/7 access with award-winning online and mobile banking
  • Nationwide network of 80,000+ fee-free ATMs5

Not convinced this is your ultimate opportunity? Learn why Suze loves Alliant in her weekly podcast. Give it a listen

Learn why savers choose Alliant

Alliant is one of the top 10 largest credit unions in the U.S. We’re fully online and not-for-profit, a combo that allows us to reward our members with high savings rates, low loan rates and fewer fees. We’ve teamed up with Suze to create the perfect savings partnership: We offer you the rewarding rates and benefits of Alliant membership, while Suze helps you stay on track to becoming your savviest self.

Go Banking Rates Best Credit Unions 2022

“Best Credit Unions”

Best Credit Unions 2020 – CNBC

“Best Credit Unions”

Nerdwallet Best-of Awards Winner for Savings and Checking Combo

“Best-of Awards Winner for Savings and Checking Combo”

Bankrate Best Banks and Credit Unions for Mobile Banking of 2021

“Best Banks and Credit Unions for Mobile Banking of 2022”

Frequently Asked Questions

Am I eligible for Alliant membership?

Almost anyone can become an Alliant member! You can be eligible for membership through your employer, by where you live, or by becoming a member of Foster Care to Success, Alliant’s partner charity. (We even pay the $5 membership for you.)

How do I get my bonus deposit?

The $100 bonus is automatically deposited into The Ultimate Opportunity Savings Account after you’ve successfully made a monthly deposit of $100 or more for 12 consecutive months. To qualify for the bonus, you must keep a minimum balance of $100 in your savings account, and have $1,200 (or more) in your account at the end of the 12-month period.1 Please note, this is a one-time bonus, available only to new Alliant members.

How do I make deposits into The Ultimate Opportunity Savings Account?

We’ve made this super easy! Set up one-time or recurring transfers in online banking, deposit checks via mobile deposit in Alliant’s award-winning mobile banking app, or even set up a direct deposit from your paycheck!

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

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

Do I have a mobile deposit limit?

Your current mobile deposit limit will appear below the amount field once you select an account in the Alliant mobile banking app. Your deposit limits can vary depending on your eligible accounts. For more information, tap the question mark icon at the top of the app screen.

Are my account funds insured to protect me from loss?

Alliant deposit accounts are federally insured up to $250,000 by the NCUA. To learn the details of funds coverage, visit the NCUA page on the Alliant website.

Are existing Alliant members eligible for The Ultimate Opportunity?

Because of this unique offer, only new Alliant members are eligible to open this special savings account.

Can I use a mailing address in my membership application?

While completing the application, use your most current personal information and your physical address (not a mailing address). You will have the opportunity to submit your preferred mailing address later in the process.

What if I finish my application and receive a “pending” status?

Have no fear. One of our member care representatives will reach out via phone call or email within 3-4 business days to gather any additional information needed.

I’m a huge Suze Orman fan, but I’m already an Alliant member. Is there anything for me?

Look at you, taking advantage of Alliant membership! You’re one step ahead. Alliant offers other promotions and contests for existing members throughout the year, so keep an eye on your email for those. Please make sure your email address in Online Banking is up to date.

How do I sign up for The Ultimate Opportunity Savings Account?

Please apply to open The Ultimate Opportunity Savings Account by clicking the green “Open my account” button at the top of this page. You can only apply for this special account on Opening an account on other Alliant Credit Union pages will result in opening a non-promo, high-yield savings account. This offer is only for new members.


Open The Ultimate Opportunity Savings Account