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Alliant Credit Union CDs Expired

Up to 5.45% APY
+30 Deal Score
40,105 Views
Alliant is offering up to 5.45% APY to their Alliant Credit Union CDs.

Thanks to Slickdeals Staff Member EfficientGame645 for sharing this deal.

Product Details:
  • Low minimum deposit of only $1,000; no maximum
  • Jumbo certificates may be available for a higher rate if you deposit $75,000 or more
  • Choose from a variety of maturity dates including 12-month and 60-month terms
  • Dividends compounded every month and at maturity
  • Funds are insured up to $250,000 by NCUA
APY= Annual Percentage Yield. The APY is accurate as of the 11/1/2023 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. 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.


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Original Post

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Edited March 22, 2024 at 02:22 PM by
Alliant is offering up to 5.45% APY to their Alliant Credit Union CD's.

Product Details:
  • Low minimum deposit of only $1,000; no maximum
  • Jumbo certificates may be available for a higher rate if you deposit $75,000 or more
  • Choose from a variety of maturity dates including 12-month and 60-month terms
  • Dividends compounded every month and at maturity
  • Funds are insured up to $250,000 by NCUA
APY= Annual Percentage Yield. The APY is accurate as of the 11/1/2023 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. 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.


Slickdeals may be compensated by Alliant Credit Union
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Created 02-01-2024 at 08:33 PM by EfficientGame645 | Staff
in Finance Alliant Credit Union Banking - Bank Advertiser
If you purchase something through a post on our site, Slickdeals may get a small share of the sale.
Deal
Score +30
40,105 Views
Up to 5.45% APY
These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered. Opinions expressed here are the author's alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

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Featured Comments

I've banked with them for years. Been solid all that time
·
They're known to be the best credit Union across the whole country
·
Looks like you need to put in 75k to get 5.45. Otherwise it's 5.4 for 12 months. Still not bad. Still have a few months left on my Navy Federal CD though.
·

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Joined Jan 2013
L6: Expert
> bubble2 1,238 Posts
138 Reputation
Snakeyes77
02-02-2024 at 01:16 PM.
02-02-2024 at 01:16 PM.
Looks like you need to put in 75k to get 5.45. Otherwise it's 5.4 for 12 months. Still not bad. Still have a few months left on my Navy Federal CD though.
Reply
Joined Jan 2010
L4: Apprentice
> bubble2 306 Posts
117 Reputation
swooshrc
02-05-2024 at 12:06 PM.
02-05-2024 at 12:06 PM.
This is a variable term rate too.

12 months to 17 months: 5.40%

Also a good one:
18 months to 23 months: 5:30% (I opened this in a Jumbo, so 5.35% @ 23-months. Daughter's college fund and wanted to make sure I didn't spend it)
Reply
Last edited by swooshrc February 5, 2024 at 12:38 PM.
Joined Dec 2014
L2: Beginner
> bubble2 56 Posts
10 Reputation
seeyoucme
02-16-2024 at 08:14 AM.
02-16-2024 at 08:14 AM.
Are they good bank? I am thinking to put a CDs with them?
Reply
Joined Jun 2021
L2: Beginner
> bubble2 25 Posts
10 Reputation
Doubledeluxe
03-08-2024 at 09:25 PM.

Our community has rated this post as helpful. If you agree, why not thank Doubledeluxe

03-08-2024 at 09:25 PM.
I've banked with them for years. Been solid all that time
3
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Joined Nov 2018
L2: Beginner
> bubble2 87 Posts
22 Reputation
FeistyDolphin1928
03-09-2024 at 03:50 AM.

Our community has rated this post as helpful. If you agree, why not thank FeistyDolphin1928

03-09-2024 at 03:50 AM.
They're known to be the best credit Union across the whole country
1
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Joined Dec 2007
L8: Grand Teacher
> bubble2 3,480 Posts
592 Reputation
iahawks550
03-09-2024 at 04:55 AM.
03-09-2024 at 04:55 AM.
Cd rates are on the rise again. Great for savers, bad for consumers.
1
Reply
Joined Aug 2011
L3: Novice
> bubble2 204 Posts
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nerdalert
03-09-2024 at 05:15 AM.
03-09-2024 at 05:15 AM.
Quote from iahawks550 :
Cd rates are on the rise again. Great for savers, bad for consumers.
The rates at Marcus have been dropping like a rock. It went from 5.4 for 14 months to 5.25, 5.15, and now 5.05, all over the course of two months. Do you have a recommendation on a bank where rates are rising?
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Joined Dec 2016
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dadaadad
03-09-2024 at 08:23 AM.
03-09-2024 at 08:23 AM.
Good rate, but US treasuries are still better.
Reply
Joined Nov 2006
Love Saving Money!!!
> bubble2 612 Posts
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msdontplay01
03-09-2024 at 03:37 PM.
03-09-2024 at 03:37 PM.
Alliant credit union is legit. Customer service is awesome. I have a 12 month jumbo CD ($250K) that matures on the 18th at 5.04 APY. I am tempted to renew it since I would get an even higher APY but I have already earmarked some stocks that I will be buying in my brokerage account. I even persuaded my mom to purchase a CD with Alliant after I bought mine last year.
Reply
Joined Oct 2015
New User
> bubble2 6 Posts
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parkiteric
03-09-2024 at 05:19 PM.
03-09-2024 at 05:19 PM.
Quote from seeyoucme :
Are they good bank? I am thinking to put a CDs with them?
Im a member of ACU. very seamless process with HELOC
Reply
Joined Jul 2021
L1: Learner
> bubble2 18 Posts
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RodrigoJPA
03-10-2024 at 04:44 AM.
03-10-2024 at 04:44 AM.
Anyone with previous experience on a mortgage with them? I was thinking about using them as a lender.
Reply
Joined Dec 2007
L8: Grand Teacher
> bubble2 3,480 Posts
592 Reputation
iahawks550
03-10-2024 at 06:14 AM.
03-10-2024 at 06:14 AM.
Quote from nerdalert :
The rates at Marcus have been dropping like a rock. It went from 5.4 for 14 months to 5.25, 5.15, and now 5.05, all over the course of two months. Do you have a recommendation on a bank where rates are rising?

Rates over the past month, was my reference. You are correct about the last six months in general. I purchase mine through Schwab and track new issues almost every day.
1
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