Reviews

Alliant Credit Union Review: A Blend of High Yields and Broad Accessibility

Alliant CU: Top yields, easy membership, extensive ATM network, digital banking.

Rickie C. Keys, Ph.D., MPH

Mar 17, 2024 — 1 min read

Alliant Credit Union stands out in the financial landscape by offering competitive rates on checking, savings, and certificates of deposit, along with a user-friendly online and mobile banking experience. This makes it a prime choice for those seeking the lucrative aspects of credit unions without narrow membership constraints.

Features:

Competitive Share Certificate Rates: Offers impressive APYs across various terms, with rates reaching up to 5.40% for 1-year certificates.
High-Yield Savings Accounts: Both the Ultimate Opportunity and High-Rate Savings Accounts offer a robust 3.10% APY, fostering an environment where savings grow faster.
Inclusive Membership: Unlike many credit unions with stringent membership requirements, Alliant makes it easy for virtually anyone to join and benefit from its services.
Extensive ATM Network: Access to a large, free, nationwide ATM network ensures members can easily manage their cash without unnecessary fees.

Benefits:

Zero Overdraft Fees: Aligning with modern banking trends, Alliant eschews overdraft fees, promoting financial health and responsibility.
No Monthly Maintenance Fees: By opting for e-statements, members can avoid monthly fees, keeping their accounts cost-effective.
Digital-First Banking: With a strong emphasis on online and mobile platforms, Alliant caters to a tech-savvy audience that values convenience and efficiency.
ATM Fee Reimbursements: The high-rate checking account offers up to $20 monthly in out-of-network ATM fee rebates, adding to the credit union’s appeal for those on the go.

Product Summary:

Alliant Credit Union masterfully combines the advantages of credit union membership with the accessibility and technological prowess of online banks. Its broad membership criteria, coupled with competitive interest rates and a commitment to fee-free banking, positions Alliant as a top choice for consumers across the board. From savings enthusiasts to digital nomads, members benefit from a comprehensive suite of products designed to maximize their financial well-being without the typical limitations of traditional credit unions.

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