Alliant Credit Union Rates —
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Alliant Credit Union is a large, Chicago-based online credit union we track for YourBestSavings — and one of the easiest to join, with membership open to savers nationwide. It runs no branches, charges no monthly fees on its core accounts, and offers High-Rate Savings, High-Rate Checking, and a full certificate ladder. Below is every Alliant account we monitor, ranked by the ByTheMath score and verified daily against Alliant’s published rates. We rank by the math; no institution pays to appear or move up.
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What stands out at Alliant
Alliant is one of the most accessible credit unions in the country: anyone can join, and Alliant pays the $5 membership fee to the Alliant Credit Union Foundation on your behalf. Its High-Rate Checking has no monthly fee and reimburses ATM fees, while High-Rate Savings needs just $100 to start earning. Certificates (Alliant’s term for CDs) open at $1,000 with terms from 3 months to 5 years. A few tiers — Jumbo balances and the eStatement-linked rates — carry conditions, which the ranking below flags on each account.
How we rank these accounts
Every account is scored by the ByTheMath method — APY weighted most heavily, then accessibility and flexibility — and grouped by type below, best first. Effective APY reflects the rate you would actually earn after any balance caps or conditions, which is why a capped or conditional rate does not automatically outrank a straightforward one. No commission ever changes the order; see our affiliate disclosure and methodology.
Membership & insurance
Anyone in the U.S. can join Alliant — when you open an account online, Alliant makes the $5 membership donation to the Alliant Credit Union Foundation for you, so there is no out-of-pocket cost and no employer or location requirement. Deposits are federally insured by the NCUA up to $250,000 per depositor, the credit-union equivalent of FDIC coverage. Use the insurance calculator to check coverage across accounts.
Yes. Membership is open to everyone nationwide — when you join online, Alliant pays the $5 Alliant Credit Union Foundation membership fee for you, so there is no cost and no employer or residency requirement.
Yes. Alliant is federally insured by the NCUA, which protects up to $250,000 per depositor — the same coverage level as FDIC insurance at a bank.
No. Alliant is an online credit union; you manage accounts through its website and app, and its checking account reimburses ATM fees for cash access.
Daily. Each account shows the date its APY was last verified against Alliant’s own rate page. Promotional CD rates in particular can change without notice, so we re-check every day.
See where its accounts land against the whole market on our high-yield savings, CD rate, and money market rankings.