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Alliant Credit Union : Interest Rates , Fees, Bills and History

If you want to save money, you might want to join a credit union instead of a bank. Credit unions may have stricter membership requirements and less polished technology. Then there’s Alliant Credit Union. It has a wide range of membership requirements, and it has good rates and good tech.

In Alliant Credit Union, Mortgage Interest Rates and Fees Can Vary

In order to get a rate that fits your needs, you can go down to Alliant’s main mortgage page and click “Get your customised rates.” Among the things you’ll need to do is fill in some basic information about how much you want to borrow, where your home is, and what range your credit score is in.

People who borrow money from Alliant Credit Union have to pay an “initiation fee.” The amount you pay will depend on the type of mortgage you get. It costs $1,795 to get a fixed-rate mortgage, but only $995 to get a variable-rate mortgage, which is less than half as much. It can cost up to $1,930 to get a loan from Alliant.

Alliant Credit Union

It’s best for people who want high-yield rates on their checking and savings accounts and a lot of ATMs.


  • There are more than 80,000 free ATMs.
  • In general, interest rates on checking and savings accounts are much higher than most people expect.
  • In this case, there are no fees for going over your limit.


  • Is there not a single branch?

There is a savings account called The Ultimate Opportunity at Alliant. It is similar to its High-Rate Savings Account. It pays a good rate and is free if you choose e-statements. If you choose paper statements, they will cost you a dollar each. If customers want to save for a specific goal, they can set up as many as 19 extra accounts.

If you open the Ultimate Opportunity Savings Account, you’ll get a $100 bonus if you make 12 consecutive monthly deposits of at least $100 each for the next year. We have a list of the best bank bonuses where you can learn more about this offer and other deals.

Alliant’s High-Rate Savings account is for people who want to save a lot of money.

As long as you choose e-statements, Alliant doesn’t charge you each month if you want to get your statements electronically. In addition, Alliant lets its members set up up to 19 extra accounts, each with its own name. It also has a savings account for parents who want to teach their kids about money management.


A lot of factors are taken into account when NerdWallet gives its overall ratings for banks and credit unions. These factors include how well the banks and credit unions do with checking and savings accounts as well as how well they do with certificates of deposit or credit union share certificates. We look at things like rates and fees, ATM and branch access, account features and limits, user-facing technology, customer service, and new ideas in each category. stars show how good or bad things are, from bad (one star) to good (five) (five stars). Ratings are rounded up to the next half-star, so they aren’t always exact.

In the digital world, there are many things you can

Online Banking Is Where You Can Do Your Banking

  • Do your financial business when it is convenient for you. AIM Credit Union’s WebTeller lets you do this at any time, 24 hours a day, 7 days a week.
  • Afterwards, you will be able to access your account safely and securely, and:
  • Find out how much money you have in your account now.
  • Transfer money from one account to another, to another member’s account, or to a loan.
  • Find out about the history of your account.
  • Checks that have been paid can be added to Quicken® or QuickBooks®.
  • There is a lot of information about how to get a
  • You can look at eStatements
  • Transfers will be made automatically if you set them up to

Alliant Credit Union

  • To pay off a loan and to pay the bills,
  • Set up email and text alerts for your account.
  • Cleared checks can be seen.
  • You can only transfer money to another person’s account in WebTeller if you choose the “Single Transfer.”

At 11:00 P.m. Cst, All Scheduled Transfers Will Be Done, and They Will Be Done at That Time

However, on the last day of the month, the Scheduled Transfers and the End of Day process will run before 11:00 pm CST, so they will be done before then. WebTeller uses encryption technology to keep people from looking at your account and getting your information. This service is on a secure server with a firewall that protects it the best it can. You should see a closed padlock in the lower-left corner of your screen when you sign on. This means that a secure link has been made.


Members who have an AIM Credit Union MasterCard Elite, MasterCard Classic, or Visa Classic and want to set up electronic payments can use MyCardInfo, which is only for people who want to do that. Members of MyCardInfo can see how their ACU credit cards are being used, with real-time information. Members can sign in to MyCardInfo to make payments now or in the future, and they can set up automatic and recurring credit card payments that happen every time they use their card again.

Bills Must Be Paid

Online, you can pay any bill quickly and without having to write checks or pay for postage. Members who have direct deposit or eStatements can use free online bill pay.


October 26, 1935, was the day a group of United Airlines employees started a credit union for their employees. As of 2003, the credit union had changed its name to Alliant Credit Union. It used to be called United Airlines Employees’ Credit Union (UAECU), but that name was changed to Alliant Credit Union. During its first 68 years, the credit union only had one single sponsor. By the end of 2003, the credit union had 27 sponsors and served people from 19 communities near O’Hare International Airport. Today, Alliant Credit Union is a member of more than 150 organisations and still serves the communities near O’Hare International Airport.

There Are a Lot of Different Things That People Buy and Use

People can choose from Alliant Credit Union’s wide range of products, which include savings and checking accounts, certificates of deposit, IRAs, consumer loans, and Visa credit cards. An Alliant savings account is a way to join Alliant Credit Union. The first $5 that you put in the account is a sign that you’re a member.

They have Regular Savings, Supplemental Savings (for those who need more money), Custodial Savings, and Kidz Klub for kids under the age of 12. An average daily balance of $100 or more must be kept in the savings account each month to get a dividend. With Alliant, the first set of checks are free, and you can stop getting paper statements.

You must make at least one electronic deposit a month to get the high rate checking option. Consumer loans include mortgages, loans for cars and homes, and loans for things like clothes and shoes. Besides investment services and insurance, Alliant also has these things for sale. Alliant had Health Savings Accounts until 2017 when it sold the accounts to Health Equity and moved them to a new company.

To Get Into Your Account

Among the things Alliant offers are Alliant online banking, free bill pay, eDeposit, eDepositPlus, eDeposit, and the eDeposit app. Make deposits online before mailing the checks to the credit union in special eDeposit envelopes. Alliant members who qualify can make deposits online before mailing the checks in special eDeposit envelopes. Checks can be deposited from home with eDepositPlus. Members can use a home scanner to do this.

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At this time, Alliant has a 24-hour member contact centre and more than 80,000 ATMs that don’t charge fees around the world.

Founded by Alliant Credit Union

Founded by employees of Alliant Credit Union, the Alliant Credit Union Foundation is a completely separate legal entity. It is incorporated in Illinois and run by a Board of Directors that is made up entirely of Alliant employees. The Foundation is a not-for-profit charitable foundation that was set up to help people in the communities where Alliant Credit Union members and employees live and work. Its goal is to help people become more economically empowered and self-sufficient. Some examples: education, service, grants, and investments will be given.

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At the end of 2010, the Alliant Credit Union Foundation had finished its first year of work. The Foundation gave $200,000 to good causes during that year. Those causes that the Foundation could help with money were those that were in line with its goals.


A credit union called Alliant Credit Union has been around for 85 years and has over $14 billion in assets. It is the largest in Illinois and one of the largest credit unions in the United States. People who belong to our 600,000 members across the country can easily and safely use our top-notch online, cell phone and mobile banking services. We also pay a lot of attention to security.

Alliant Credit Union

Financial cooperative: Alliant is not for profit, so everyone who joins is also a member. We always work to help our members achieve their financial goals and serve their best interests.

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Our rates are so good that our members can save more and earn more. Besides retirement and investment services, Alliant also gives its members free personal financial management, budgeting, and debt management tools to use. A digital credit union’s goal is to always give its members better financial value while making it easier for people to save, borrow, and pay.


At Alliant, more than 650 people work. The credit union’s headquarters and call centre are in the northwest suburbs of Chicago. We made Fortune’s list of the 100 best medium-sized businesses for the fourth year in a row because more than 90% of Alliant employees said their workplace was great when they were asked. Gallup’s Great Workplace Award has also been given to us for the past four years in a row.

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