The minimum loan amount is $25,001 in WI and Washington, D.C. Offer subject to credit approval, which includes verification of application information and receipt of collateral documents. Loan approval, interest rate, and downpayment required based on creditworthiness, amount financed, and ability to repay. Rates, terms, and conditions subject to change. Fees subject to change. Credit unions are guided by the philosophy of “people helping people.” Truliant offers honest, personalized advice to make members’ financial futures brighter, plus higher savings rates and lower loan rates. 27. Applicant must meet eligibility requirements for Alliant membership. 60 months Renovate your kitchen, pay off high-interest debt, or have access to emergency funds when you need it with an Alliant Home Equity Line of Credit. Not available for transactions in Iowa or outside of the U.S. Rates can vary based on risk factors which include but are not limited to LTV, credit score, and debt to income ratio. All deposits are subject to the Alliant Credit Union… The Annual Percentage Rate (APR) is a variable rate. Alliant Credit Union review vs. Connexus Credit Union review You'll want to go with Connexus Credit Union for a money market account, because Alliant … Alliant membership is required. Rates, terms and conditions are subject to change. The 04/01/2021 High Rate Checking dividend provides an Annual Percentage Yield (APY) of 0.25% APY. Please check with the program coordinator for details. A credit union, like Alliant, is a not-for-profit financial cooperative, ... To get started, complete our Wire Transfer Authorization Form and fax it to (773) 462-2095 along with a copy of your government-issued photo I.D., such as a driver's license or passport. For more information, visit the Visa website. Jumbo Share Certificates with a term between 12 and 17 months provide a Dividend Rate of 0.50% – Compounded Annual Percentage Yield of 0.50% APY on balances $25,000 or greater. Home equity products are available in the following states: AZ, CA, CO, CT, FL, GA, HI, IL, IN, KY, MA, MI, MN, MO, NC, NJ, NV, NY, OH, PA, TN, UT, VA, WA, WI and Washington, D.C. (Not applicable to IRA Certificates). Only Alliant Visa Debit cards are eligible for the ATM fee rebate. Payment example: A 60-month loan with a 1.99% fixed APR would have monthly payments of $17.53 per thousand dollars borrowed. 93. The interest rate and monthly payment may adjust bi-annually based on the 30 day average Secured Overnight Funding Rate (SOFR), plus a margin of 2.75 percentage points with a 5% lifetime cap. All loans are subject to approval. Rates are 1% higher when refinancing an existing Alliant loan. Transactions include balance inquiries, deposits and withdrawals only. 3. Transactions performed at other ATMs may be subject to the ATM owner’s surcharge fee. IRA Certificates with a term of 48 months provide a Dividend Rate of 0.60% – Compounded Annual Percentage Yield of 0.60% APY on balances of $1,000 or greater. Not all ATMs accept deposits. APR=Annual Percentage Rate. The financial consultants of Alliant Retirement and Investment Services are registered representatives of LPL Financial. Rates, terms and conditions are subject to change. You must be 18 or older to apply. The interest rate and monthly payment may adjust annually based on the 1 Year London Interbank Offered Rate (LIBOR), plus a margin of 2.50 percentage points (3% on second/vacation homes) with a 5% life time cap. Allowable terms vary by loan amount. 49. Financing available in all 50 states. The rebate does not apply to cash advances from Alliant Visa credit cards through ATMs nor to the Alliant Savings ATM Card and Visa International Service Assessment (ISA) fees. We may provide links to third party sites, independent from Alliant Credit Union. Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government - National Credit Union Administration (NCUA), a U.S. Government Agency. APR=Annual Percentage Rate. Savings dividends may change after account is opened and is subject to change at any time. ADD-1112-225E. Alliant Certificate rates may change daily. The privacy and security policies of the site may differ from those of Alliant Credit Union. Regular Share Certificates with a term between 18 and 23 months provide a Dividend Rate of 0.50% – Compounded Annual Percentage Yield of 0.50% APY on balances between $1,000 and $24,999.99. We may provide links to third party sites, independent from Alliant Credit Union. 60 months Advertised rates include automatic payment option. 4. News Alliant Credit Union Extends Suze Orman Savings Plan and Account Bonus 04/01/2021 • Alliant News • Press Releases Alliant Credit Union, a nationwide digital credit union and one of the 10 largest credit unions in the U.S., today announced the extension of its savings plan with personal finance expert and podcast host Suze Orman called The Ultimate Opportunity Savings Account. You must be or become a member of Alliant to apply. Regular Share Certificates with a term between 24 and 35 months provide a Dividend Rate of 0.55% – Compounded Annual Percentage Yield of 0.55% APY on balances between $1,000 and $24,999.99 Jumbo Share Certificates with a term between 24 and 35 months provide a Dividend Rate of 0.55% – Compounded Annual Percentage Yield of 0.55% APY on balances $25,000 or greater. Alliant Credit Union does not manage the operation or content of the website you are about to enter. APR=Annual Percentage Rate. To avoid the paper statement fee, log in to Alliant Online Banking to change your statement preference to eStatements. So that means if you have a question or concern, we’ll be right there to answer it! Between 1/1/19 and 12/31/19, the average savings off MSRP experienced by consumers who connected with a TrueCar Certified Dealer through the Alliant Credit Union Auto Buying Program and who were identified as buying a new vehicle from that Certified Dealer was $3,750. You will incur the annual fee even if you don't have a balance. 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. LIFE-1112-B416, 30. Refer to the back of the Alliant Savings ATM Card for a list of networks. Property insurance is required. Origination fee is $995. Contact a tax professional for more details. To sign up for this account, you’ll need to fill out a form with your child/grandchild/ward. Rates, terms, and conditions are subject to change. Insurance products offered through LPL Financial or its licensed affiliates. APY=Annual Percentage Yield. Reward amount is based on sale price of the home purchased and/or sold and cannot exceed $6,500 per buy or sell transaction. Other eligibility factors are risk-based and determined by Alliant using internal and confidential information, including your account history. Program may be unavailable for employer-sponsored relocations. Alliant will rebate ATM fees up to $20 per month per membership account when you use your Alliant Visa Debit Card to make a deposit, withdrawal, transfer or balance inquiry. 25% of compensation. Rates, terms and conditions are subject to change. Fee schedule. We may not open checking for you if you do not meet Alliant criteria. To earn the 5,000 bonus Alliant Rewards points, new cardholder must spend $500 or more in qualifying purchases on his/her Alliant Credit Union Platinum Rewards Visa credit card during the first 90 days the account is opened. Box 2387, Des Plaines, IL 60017-2387. Sources: 2017 PWC Financial Wellness Survey, Personal Financial Employer Education Foundation. All loans are subject to approval. See the Alliant Account Agreement and Disclosure for details and the Fee Schedule for a list of fees. Example Fixed Rate Mortgages Monthly Repayment Terms. Savings dividends are paid on the last day of the month to accountholders who have maintained an average daily balance of $100 or more in their savings. Rates, terms and conditions are subject to change. If the state and/or county in which the collateral is located charges additional fees and taxes, the borrower will be responsible for payment. Rates are 1% higher when refinancing an existing Alliant loan. You must keep records sufficient to show that the distributions: 8. As described in the Alliant Cashback Visa Signature Card Program Terms & Conditions, certain categories of purchases do not qualify to earn cash back. After 18 months, you must re-enroll to be eligible for a reward. Applicant must meet eligibility requirements for Alliant membership. See disclosures for additional details. However, if incurred, applicable fees such as a stop payment fee will apply. To avoid the paper statement fee, log in to Alliant Online Banking to change your statement preference to eStatements. You must be an Alliant member. Alliant Credit Union 11545 West Touhy Avenue Chicago, IL 60666 The APY is accurate as of the 03/24/2021 dividend declaration date. 60. Savings dividends are paid on the last day of the month to accountholders who have maintained an average daily balance of $100 or more in their savings. Members in good standing and without a ChexSystems record have a $500 daily withdrawal limit and a $10,000 daily deposit limit. $1000.00 minimum deposit required to open an Alliant Certificate, $25,000 minimum balance to open an Alliant Jumbo Certificate. The interest rate and monthly payment may adjust annually based on the 1 Year London Interbank Offered Rate (LIBOR), plus a margin of 2.50 percentage points (3% on second/vacation homes) with a 6% lifetime cap. Savings dividends may change after account is opened and is subject to change at any time. Refer to your Account Agreement and Disclosures for funds availability information, and the Remote and Electronic Deposit Services Agreement for more information on use of services. Loan approval and APR based on payment method, creditworthiness and ability to repay. Payment examples do not include taxes and insurance premiums; actual payment obligation may be greater. Rates and closing costs are subject to credit qualifications. Fees may reduce earnings on the account. Deposit insurance through NCUA is a $250,000 on all IRA products. There are no fees to maintain a Bill Pay account. You must be an Alliant member. Cash rebate reward will be issued in the form of a check unless otherwise directed by state law and will be sent to the buyer enrolled in the program within 45 days after closing. Please refer to the Alliant Fee Schedule for a list of these types of fees. Alliant High Rate Checking Dividends are paid on the last day of each month to checking accountholders who have opted out of receiving paper statements (receive eStatements only) and have a recurring monthly electronic deposit to their Alliant Checking Account each month (e.g., a direct deposit, payroll deposit, ATM deposit, mobile check deposit or transfer from another financial institution). 1. Member FINRA/SIPC. (Not applicable to IRA Certificates). Alliant Credit Union is not responsible for the Alliant Home Rewards Program service. Generally, unless law dictates otherwise (contact your professional advisor). Comparison based on Alliant Credit Union 0.25% APY as of 04/01/2021 vs. the bank national average savings rate as of 04/01/2021 sourced from National Association of Federal Credit Unions in cooperation with SNL Financial and Datatrac Corp. 70. TruStageTM Term Life Insurance is offered by TruStage Insurance Agency, LLC and issued by CMFG Life Insurance Company. Easily fill out PDF blank, edit, and sign them. The products and services on this website are being offered through LPL Financial or its affiliates, which are separate entities from, and not affiliates of, Alliant Credit Union.The privacy and security policies of the site may differ from those of Alliant Credit Union. Used under license. Alliant will rebate ATM fees up to $20 per month per membership account when you use your Alliant Checking Account Visa debit card to make a deposit, withdrawal, transfer or balance inquiry. Allowable terms vary by loan amount. 5401 for more information on an Alliant Interest-only Home Equity Line of Credit. Please refer to the Alliant Fee Schedule for a list of these types of fees. Checking dividend may change after account is opened and is subject to change at any time. 7. These links are provided only as a convenience. 94. Rates are 0.4% higher without automatic payment option. A fee will apply if you choose to receive an account statement in paper form; refer to the Fee Schedule. 84. A fee of $1,000 is applied to Interest-only HELOC loans more than $250,000. To earn the 10,000 bonus Alliant Rewards points, new cardholder must spend $500 or more in qualifying purchases on his/her Alliant Credit Union Platinum Rewards Visa credit card during the first 90 days the account is opened. TruStageTM Accidental Death and Dismemberment Insurance is offered by TruStage Insurance Agency, LLC and underwritten by CMFG Life Insurance Company. Origination fee is $1,795. Account is subject to approval. As described in the Alliant Visa Platinum Rewards Program Terms & Conditions, certain categories of purchases such as cash advances and gift cards do not qualify to earn reward points. 47. 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. 1. The LPL Financial Registered Representatives associated with this site may only discuss and/or transact securities business with residents of the following states: AK, AL, AZ, AR, CA, CO, CT, DE, DC, FL, GA, HI, ID, IL, IN, IA, KY, LA, MA, MD, ME, MI, MN, MO, MT, NE, NV, NJ, NM, NY, NC, ND, OH, OK, OR, PA, SC, SD, TN, TX, UT, VA, WA, WV, WI, WY. Alliant checking charges no monthly maintenance or service fees; however, if incurred, fees such as a stop payment or NSF fee will apply. We may not open checking for you if you do not meet Alliant criteria. Use our form below and then let us know if you’d like us to respond by email or by phone. You are leaving Alliant’s website to enter a website hosted by an organization separate from Alliant Credit Union. Your loan will originally be set up without the rate discount. APR=Annual Percentage Rate. 9. To receive the maximum amount offered of $6,500, the sale price of the home sold or purchased must be $1.5 million dollars or more. The April savings dividend provides an Annual Percentage Yield (APY) of 0.55%. This rate discount can not be combined with any other rate discount. Complaints may be submitted to the New York State Department of Financial Services by calling the Department’s Consumer Assistance Unit at 1-800-342-3736 or by visiting the Department’s website at www.dfs.ny.gov. Members of Alliant Credit Union are also part owners. Alliant Credit Union 1200 Associates Drive, Suite 102 Dubuque, IA 52001-4848 (including U.S. Resident Aliens) should complete and return a W-8BEN form (available at alliantcreditunion.com) with your completed Perso nal Information/Address Change Form. A fee of $1,000 is applied to HELOC loans more than $250,000. 78. You can find this form on Alliant Credit Union’s main webpage for this account, and submit it online as well. Applicant must meet eligibility requirements for Alliant membership. You can find forms related to the following accounts: We'll be happy to help you with any account or online banking issues you're having. Rates can vary based on risk factors which include but are not limited to LTV, credit score, and debt to income ratio. How to get Alliant Credit Union’s Kids Savings Account. Advertised rates include automatic payment option. Initial rate is based on loan amount, loan to value and credit history. 1. Comparison based on Alliant Credit Union 0.55 APY as of 03/24/2021 vs. the bank national average savings rate as of 04/01/2021 sourced from National Association of Federal Credit Unions in cooperation with SNL Financial and Datatrac Corp. Please consult with an Alliant Loan Consultant at 800-328-1935 ext. The products and services on this website are being offered through LPL Financial or its affiliates, which are separate entities from, and not affiliates of, Alliant Credit Union.The privacy and security policies of the site may differ from those of Alliant Credit Union. Fees may reduce earnings on the account. IRA Certificates with a term between 36 and 47 months provide a Dividend Rate of 0.60% – Compounded Annual Percentage Yield of 0.60% APY on balances between $1,000 and $24,999.99. Jumbo IRA Certificates with a term between 24 and 35 months provide a Dividend Rate of 0.55% – Compounded Annual Percentage Yield of 0.55% APY on balances $25,000 or greater. Flood insurance may be required. These links are provided only as a convenience. Apple Pay is a trademark of Apple Inc; Google Pay is a trademark of Google Inc; Samsung Pay is a trademark of Samsung Electronics Co., LTD. 42. Introductory rate and incentive offers, including bonus points, are not available to those members who in the previous six months have had (i) an open Alliant Visa credit card account, or (ii) an outstanding balance on a closed Alliant Visa credit card account. We may not extend credit to you if you do not meet Alliant criteria. 12 We are unable to provide financial advice but can answer questions on specific IRA products. Other check designs are available for an extra charge. Membership is required. You can also mail or fax the form in. Funds deposited via Mobile Check Deposit are NOT subject to the funds availability requirements of Regulation CC. 83. 81. Not all ATMs accept deposits. 22. APR=Annual Percentage Rate. There are no penalties for monthly dividend withdrawals. Securities and advisory services offered through LPL Financial, a registered investment advisor, Member FINRA/SIPC. Rates, terms, and conditions are subject to change. Alliant will rebate ATM fees up to $20 per month per membership account when you use your Alliant checking account Visa debit card to make a deposit, withdrawal, transfer or balance inquiry. Alliant loan approval, APR,  downpayment required and other terms and conditions based on LTV (Loan to Value), payment method, creditworthiness, collateral (including age of vehicle), and the term of the loan. APY= Annual Percentage Yield. Fees may reduce earnings on the account. 21. 1/1 and 3/1 adjustable rate mortgages available in all 50 states. Alliant Cashback Visa® Signature Card Agreement (PDF), Alliant Cashback Visa® Signature Card Disclosure (PDF). Regular Share Certificates with a term of 60 months provide a Dividend Rate of 0.65% – Compounded Annual Percentage Yield of 0.65% APY on balances between $1,000 and $24,999.99 Jumbo Share Certificates with a term of 60 months provide a Dividend Rate of 0.65% – Compounded Annual Percentage Yield of 0.65% APY on balances $25,000 or greater. Apple Pay is a trademark of Apple Inc; Google Pay is a trademark of Google Inc; Samsung Pay is a trademark of Samsung Electronics Co., LTD. 86. Dealer and consumer payoff. Dividends compound monthly and are paid on the last day of the month and at maturity. 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 Seeing what you’re looking for? Checking dividend may change after account is opened and is subject to change at any time. 31. The 3/6 ARM offers a fixed rate for 3 years and adjusts to 6 month ARM after that period. Financing available in all 50 states. All rights reserved. 3/6 adjustable rate mortgages available in all 50 states. You will have no less than a 25 day grace period on new purchases and balance transfers posted to your account during a billing cycle. Dividend applies to Savings, Supplemental Savings, Kids Savings Accounts, UTMA Custodial Accounts, Trust Accounts, IRA. Rates can vary based on risk factors which include but are not limited to LTV, credit score, and debt to income ratio. Renovate your kitchen, pay off high-interest debt, or have access to emergency funds when you need it with an Alliant Home Equity Line of Credit. Save or instantly send your ready documents. A fee will apply if you receive an account statement in paper form; refer to the Fee Schedule. alliant credit union operates without profit for mutual purpose. The introductory rate on purchases and balance transfers is good for 12 billing cycles from the date that your new Alliant Credit Union Visa Platinum Rewards credit card is opened. In rare cases where Alliant is not able to establish a value for your property through an AVM, an appraisal can be ordered at the applicant's expense to determine the estimated property value for lending purposes. Your actual savings may vary based on multiple factors, including the vehicle you select, region, dealer, and applicable vehicle-specific manufacturer incentives, which are subject to change. Checking Dividends are paid on the last day of each month to checking accountholders who have opted out of receiving paper statements (receive eStatements only) and have a recurring monthly electronic deposit to their Alliant checking account each month (e.g., a direct deposit, payroll deposit, ATM deposit, mobile check deposit or transfer from another financial institution). The cash advance fee is 2% of the amount of the advance, but not less than $10. No closing costs (excluding applicant ordered appraisals) based on Interest-only Home Equity Line of Credit (HELOC) loans up to $250,000 and meeting Alliant criteria. We may not open checking for you if you do not meet Alliant criteria. 4 Signature 3 New Cards and Checks 2 Employment Information (required) COMPLETE FORM AND RETURN: • Mail to: Alliant Credit Union Attn:Account Services PO Box 66945 Otherwise, Alliant checking accounts do not earn a dividend. Refinancing of Alliant home equity line of credit loans available; $250 fee on loans that do not increase the credit limit by $10,000 or more. APY= Annual Percentage Yield. See the Alliant Cashback Visa Signature Card Disclosure for additional details. The LPL Financial Registered Representatives associated with this site may only discuss and/or transact securities business with residents of the following states: AK, AL, AZ, AR, CA, CO, CT, DE, DC, FL, GA, HI, ID, IL, IN, IA, KY, LA, MA, MD, ME, MI, MN, MO, MT, NE, NV, NJ, NM, NY, NC, ND, OH, OK, OR, PA, SC, SD, TN, TX, UT, VA, WA, WV, WI, WY. *Financial consultants registered with LPL Financial. Other fees may be assessed, as applicable. Limitations apply. 92. Apple, the Apple logo, and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. Alliant Credit Union is organized differently than a bank. Allowable terms vary by loan amount. Credit Unions are Different. Tax laws are subject to change. Federally insured by NCUA. Other fees may be assessed, as applicable. 5. 6. Avoid the frustration of being put on hold and direct your question to the department best suited to help. Other restrictions may apply. Try a related article. 2018 S&P 500 performance from Morningstar, June 31, 2018. Rate applies to new, untitled vehicles with a loan term of up to 60 months. Certain transactions may be limited by federal regulations. Basic Courtesy Pay may pay checks and ACH electronic items that would not have not cleared otherwise due to insufficient funds, up to an approved limit. Rates, terms and conditions are subject to change. Seven year draw period. Discover how an award-winning banking experience could be your next little win. To qualify to use Courtesy Pay, eligible members must have qualifying deposits totalling at least $600 into their Alliant Checking Account in the previous 30 days. There is no minimum balance requirement to open an Alliant Checking Account or to earn a dividend. Offer subject to change or cancellation without notice. 38. After your loan agreement is signed and your vehicle purchase is complete, we will confirm that you qualify for the discount, and apply the discount to your loan. Member is responsible for any fees associated with transferring of title. Alliant Credit Union offers a variety of forms and PDFs for you to download or print including disclosures, beneficiary forms and authorization forms. We are a non-profit financial cooperative owned by our members. A fee will apply if you receive an account statement in paper form; refer to the Fee Schedule. Home Equity Line of Credit Applicant must meet eligibility requirements for Alliant membership. Savings dividends may change after account is opened and is subject to change at any time. The insurance offered is not a deposit and is not federally insured or guaranteed by your credit union. Attention California residents: You can find Alliant’s California Privacy Statement, as required by the California Consumer Privacy Act, by clicking here, 11545 West Touhy Avenue, Chicago, IL 60666. Origination fee is $1,795. The April savings dividend provides an Annual Percentage Yield (APY) of 0.55%. Comparison based on Alliant Credit Union 0.55% APY as of 04/01/2021 vs. the bank national average savings rate of .04% APY as of 04/01/2021 sourced from National Association of Federal Credit Unions in cooperation with SNL Financial and Datatrac Corp. 69. Rates, terms, and conditions are subject to change. The insurance offered is not a deposit and is not federally insured. Alliant Credit Union offers excellent rates with award-winning digital banking services. 79. The products and services on this website are being offered through LPL Financial or its affiliates, which are separate entities from, and not affiliates of, Alliant Credit Union.The privacy and security policies of the site may differ from those of Alliant Credit Union. Alliant Credit Union does not manage the operation or content of the website you are about to enter. Actual rates may vary and will depend on various factors including loan product, loan size, points paid, credit profile, property value, geographic location, occupancy and other factors. Transactions performed at other ATMs may be subject to the ATM owner’s surcharge fee. Rates vary for longer terms. The minimum loan amount is $10,000. Jumbo IRA Certificates with a term of 60 months provide a Dividend Rate of 0.65% – Compounded Annual Percentage Yield of 0.65% APY on balances $25,000 or greater. Savings dividend may change after account is opened and is subject to change at any time. Other restrictions may apply. Registered representatives of LPL offer products and services using ARIS, and may also be employees of ACU. Allowable terms vary by loan amount. We will begin charging interest on cash advances on the transaction date. To receive this rate, your auto purchase must be made at a TrueCar certified dealer through the Auto Buying Service Dealer as listed on your savings certificate and the auto loan must be booked through Alliant Credit Union. CarAdvise makes no guarantee as to specific savings amount per each transaction. Not all ATMs accept deposits. Overdraft Protection is optional. 19. Alliant Credit Union, Chicago, IL. An agent commission reduction, rebate, and/or credit may be available for sellers in lieu of the reward in Mississippi, Oklahoma, and Oregon and should be discussed with the agent upon enrollment. The insurance offered is not a deposit and is not federally insured or guaranteed by your credit union.