![]() And even if you use an out-of-network ATM, Alliant will rebate the fees charged by those ATM operators up to $20 monthly. Their checking accounts offer access to 80,000+ surcharge-free ATMs across the country. Alliant Credit Union ATM FeesĪlliant Credit Union does not charge ATM fees either. In 2021, the credit union announced that it would eliminate overdraft fees on all of its checking and savings accounts. Inactivity fee (for savings accounts only)Īlliant does not charge overdraft fees. ![]() Paper account statement (for savings accounts only) You must be an Alliant Credit Union member to open a CD. The highest APYs at Alliant are competitive with the top CD rates. Alliant offers Certificates with maturity dates ranging from 3 to 60 months. CDs (Share Certificates)Īlliant brands its certificates of deposit (CDs) as Alliant Certificates of Deposit. The account requires a $100 balance to earn the same APY as the High-Rate Savings account. ![]() Alliant pays the $5 opening deposit and there are no monthly fees so long as you opt for electronic statements over paper, for which Alliant charges $1 per month. Children age 12 and younger can open their own high-yield savings account as a co-owner with an Alliant-member parent, grandparent or guardian. You must keep at least $5 in each savings account to maintain it, and the minimum balance of $100 in order to earn dividends applies to each supplemental account.Īlliant Credit Union Kids Savings Account. You can name these accounts for your savings goals, and each one earns the same APY as your main high-yield savings account. Once you have a High-Rate Savings account with Alliant, you can open up to 19 supplemental accounts. Like the best savings accounts, this account doesn’t charge a monthly fee, but it does charge $1 per month if you want to receive paper statements.Īlliant Credit Union Supplemental Savings. The minimum deposit to open the account is just $5 (which Alliant pays for you), but you must maintain an average daily balance of $100 in order to earn dividends. Alliant’s high-yield savings account offers 3.10% APY. SavingsĪlliant Credit Union High-Rate Savings. The Visa debit card has a daily limit of $500 for ATM withdrawals and $500 for purchases. There is no minimum balance or monthly fee, and this account also earns 0.25% APY. This account is available for members who are 13 to 17 years old, with joint ownership by a member parent. Checking dividends are paid on the last day of the month.Īlliant Credit Union Teen Checking. ![]() It comes with a Visa debit card and is eligible for free overdraft protection when you link an Alliant savings account. You must make at least one electronic deposit per month in order to earn dividends on your balance that deposit can be a direct or payroll deposit, an ATM or mobile deposit or a transfer from another financial institution. This checking account offers 0.25% APY without monthly service fees or minimum balance requirements, making it one of the best checking accounts out there. For qualified borrowers, certain restrictions apply.Alliant Credit Union High-Rate Checking. This convenient line of credit is available when you need it. A minimum outstanding balance of $10,000 must be maintained for the first 18 months on interest only HELOCs and $8,200 for the first 12 months on regular HELOCs to avoid closing costs. Most consumers with a balloon note refinance their loan before the final balloon payment becomes due. At the end of the loan term, any balance remaining will have to be paid. APR for all transactions and balances will be based upon your contracted rate which will be a variable rate based upon The Wall Street Journal prime rate which was 8.25% as of, but will never be more than the maximum APR (Annual Percentage Rate) of 18% or less than 4.00%. Promotional rate on interest-only HELOCs of 4.50% APR for the first 6 months of the loan.
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