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Anyone can apply to join Alliant.^* Join now and we'll create your membership during the product application process.

Start earning more with Alliant Credit Union:

• Low $1,000 minimum to open Certificate accounts
• Savings account rates 16x the bank industry average1
• Manage both accounts from anywhere with 24/7 mobile access

3.90%

Reviews

Alliant is one of the largest credit unions in the U.S., with 89+ years of experience and 900,000+ members nationwide.

Join Alliant today to lock in your certificate rate and open your high-rate savings account all at once.

Open an Account:

Savings:

1. The savings dividend provides an Annual Percentage Yield (APY) of 3.01%. The APY is accurate as of the 1/22/2026 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.

2. APY= Annual Percentage Yield. Comparison based on Alliant Credit Union 3.01% APY as of the 1/22/2026 dividend declaration date vs. the bank national average savings rate of 0.19% APY as of 1/1/2026 sourced from National Association of Federal Credit Unions in cooperation with SNL Financial and Datatrac Corp.

3. 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.

Certificates:

4. APY= Annual Percentage Yield. The APY is accurate as of the 1/22/2026 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.

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