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Alliant Credit Union CDs Expired

Up to 5.45% APY
+30 Deal Score
40,671 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

Written by
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
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
40,671 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 Mar 2005
L9: Master
> bubble2 4,535 Posts
623 Reputation
thegman230
03-11-2024 at 04:57 PM.
03-11-2024 at 04:57 PM.
5.45 apy ftw
Reply
Joined Nov 2015
L6: Expert
> bubble2 1,001 Posts
221 Reputation
qqzj
03-11-2024 at 04:59 PM.
03-11-2024 at 04:59 PM.
Can anyone figure out Alliant CU's exposure to empty office buildings or multi-family rentals? It is kind of suspicious that they have such high rates. Are they going to go belly up next? I know that they have golden reputation so far.
4
Reply
Joined Mar 2005
L9: Master
> bubble2 4,535 Posts
623 Reputation
thegman230
03-11-2024 at 05:02 PM.
03-11-2024 at 05:02 PM.
Quote from qqzj :
Can anyone figure out Alliant CU's exposure to empty office buildings or multi-family rentals? It is kind of suspicious that they have such high rates. Are they going to go belly up next? I know that they have golden reputation so far.
Not suspicious. Many online banks and credit unions have rates like these. There are some even higher. Money is covered anyway regardless
Reply
Joined Nov 2011
L6: Expert
> bubble2 1,298 Posts
576 Reputation
janusman
03-11-2024 at 06:58 PM.
03-11-2024 at 06:58 PM.
While buying from bills from Tres Direct, How does one get the advertised rate? I usually get lower rate than advertised. Is there a bidding process or something.
Reply
Joined Oct 2018
L2: Beginner
> bubble2 62 Posts
14 Reputation
glg_99
03-11-2024 at 07:04 PM.
03-11-2024 at 07:04 PM.
I have Banked with them since 2006. They are great credit union. Easy auto loans. And great rates.
Reply
Joined Oct 2018
L2: Beginner
> bubble2 62 Posts
14 Reputation
glg_99
03-11-2024 at 07:06 PM.
03-11-2024 at 07:06 PM.
Quote from qqzj :
Can anyone figure out Alliant CU's exposure to empty office buildings or multi-family rentals? It is kind of suspicious that they have such high rates. Are they going to go belly up next? I know that they have golden reputation so far.
I've used them since 2006. They have always had great rates.
Reply
Joined Oct 2018
L2: Beginner
> bubble2 62 Posts
14 Reputation
glg_99
03-11-2024 at 07:08 PM.
03-11-2024 at 07:08 PM.
Quote from DrumTek :
Do you need to be a member of this credit union to open a cd?
They pay the membership on your behalf to a foster children group for you to be eligible to be a member
1
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Joined Aug 2009
L5: Journeyman
> bubble2 533 Posts
Develop_Ment
03-11-2024 at 10:23 PM.
03-11-2024 at 10:23 PM.
This bank is awesome
Reply
Joined May 2015
New User
> bubble2 12 Posts
10 Reputation
PScactuspups
03-12-2024 at 06:11 AM.
03-12-2024 at 06:11 AM.
I can't seem to pin down what the early withdrawal penalties are, anyone know?
Reply
Joined Dec 2018
L3: Novice
> bubble2 140 Posts
30 Reputation
PDBS
03-12-2024 at 06:46 AM.
03-12-2024 at 06:46 AM.
Quote from PScactuspups :
I can't seem to pin down what the early withdrawal penalties are, anyone know?
https://www.alliantcreditunion.or...cate-early
Reply
Joined Jun 2007
L2: Beginner
> bubble2 43 Posts
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a0208
03-12-2024 at 08:11 AM.
03-12-2024 at 08:11 AM.
Quote from RowdyReptile :
It says "A penalty will be imposed for early withdrawal of any principal amount." but it doesn't say what penalty.

For comparison, CIBC has a 13-mo CD at 5.36% (only a tiny bit below this 5.4% on amounts under $75k) with just a 30-day interest penalty for early withdrawal. So if there's a chance you'll need access to those funds earlier, CIBC may be a better choice.
https://us.cibc.com/en/agility/ce...posit.html
anyone has experience with CIBC?
Reply
Joined May 2015
New User
> bubble2 12 Posts
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PScactuspups
03-12-2024 at 12:30 PM.
03-12-2024 at 12:30 PM.
Quote from PDBS :
https://www.alliantcreditunion.or...cate-early
Thank you!!
Reply
Joined Jul 2023
L2: Beginner
> bubble2 99 Posts
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SociableGazelle8289
03-12-2024 at 03:43 PM.
03-12-2024 at 03:43 PM.
Quote from tognab :
I wish they would raise their savings apy. They used to be competitive with the top players but now their rates seem to lag behind.
Agreed. I used to store more cash there, but not as much due to what you said. But, I still use them especially for the CC & am hoping they return to the glory days when they were a consistent leader.
Reply
Joined Mar 2023
L1: Learner
> bubble2 23 Posts
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CoolPlant7682
03-13-2024 at 06:01 AM.
03-13-2024 at 06:01 AM.
From their Website:

We're 100% digital and we're not-for-profit.

I can't imagine a not-for-profit financial institution.. but everyone here likes them. It's a pass for me but thought this was interesting. Also, may not be FDIC, but insured by NCUA
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Joined Jan 2006
L4: Apprentice
> bubble2 434 Posts
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esqque
03-13-2024 at 06:48 AM.
03-13-2024 at 06:48 AM.
Quote from SociableGazelle8289 :
Agreed. I used to store more cash there, but not as much due to what you said. But, I still use them especially for the CC & am hoping they return to the glory days when they were a consistent leader.
I did the same thing. I've been a member for many years with the belief it would be a consistent leader. It was my go-to "bank." I took a lot of savings acct cash out after it stopped being competitive. Cuurently, it's 3.1%. I now connect the higher 5+% interest banks to my Alliant saving/checking accounts thinking it will get back to the "good ol' days." Truthfully, I might have closed my accounts if it weren't for: a) me having to re-adjust my auto bill pay set-ups; and 2) Alliant being one of the few offering interest on checking with no minimum and no fees (now it's .25%).

I may bite on the CD since it will be an easy transfer. (Also, to those who have the Alliant credit card, it pays 2.5% cash back on everything? My Citi Double Cash only pays 2%. Should i get this as my new :go-to" card?)
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