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Alliant Credit Union CDs Expired

Up to 5.45% APY
+30 Deal Score
40,634 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
40,634 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
03-19-2024 at 09:28 AM.
03-19-2024 at 09:28 AM.
Quote from gogovs :
I opened CD with them for 12 months in February. How much time I have to change it to 15 or 17 months? Is it still possible?
You cant. Once it is open, it is open for the length of time you opened it for. You can open another an fund it with more money but you are stuck with the one you already opened until maturity unless you break into it for a penalty
Reply
Joined Dec 2007
L4: Apprentice
> bubble2 397 Posts
90 Reputation
gogovs
03-19-2024 at 10:26 AM.
03-19-2024 at 10:26 AM.
Quote from thegman230 :
You cant. Once it is open, it is open for the length of time you opened it for. You can open another an fund it with more money but you are stuck with the one you already opened until maturity unless you break into it for a penalty

Really, someone mentioned before variable term rate 12-17 months. Since you can only choose 12 months at the time of opening the CD, I thought this was an option later. So you literally have maybe a day or so to call them to change the term?
Reply
Joined Mar 2005
Renaissance Man
> bubble2 6,202 Posts
1,934 Reputation
PedroR
03-19-2024 at 10:33 AM.
03-19-2024 at 10:33 AM.
Quote from Vinodmadan :
They are not FDIC insured but NCUA insured. Should I be worried
...yes
Reply
Joined Mar 2005
L9: Master
> bubble2 4,535 Posts
623 Reputation
thegman230
03-19-2024 at 12:34 PM.
03-19-2024 at 12:34 PM.
Quote from gogovs :
Really, someone mentioned before variable term rate 12-17 months. Since you can only choose 12 months at the time of opening the CD, I thought this was an option later. So you literally have maybe a day or so to call them to change the term?
Variable term means you can choose from a variety of terms at different interest rates. Not that you can change the term you opened it with at any time. It is locked once you apply for that specific term. The rates for the longer terms are less. The term is locked once you select, apply and open it. They don't even offer share certificates between 12 and 17 months. The next one up from 12 month is 18 months. They may have offered terms netween 12 and 18 months previously but again, you would pick one they offered at the rate they offer. You cannot change the term.
Reply
Last edited by thegman230 March 19, 2024 at 12:40 PM.
Joined Nov 2012
L12 Pro
> bubble2 5,768 Posts
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Pro
George_P_Burdell
03-19-2024 at 12:40 PM.
03-19-2024 at 12:40 PM.
Quote from Snakeyes77 :
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.
Rates are better than NFCU even Special start is 5.3 for 12mo. I'll certainly lockin the rate for long term
Reply
Joined Mar 2005
L9: Master
> bubble2 4,535 Posts
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thegman230
03-19-2024 at 04:48 PM.
03-19-2024 at 04:48 PM.
Quote from PedroR :
...yes
I hope your joking? NCUA is the basically the same
Reply
Joined Dec 2011
L5: Journeyman
> bubble2 660 Posts
22 Reputation
maddy1980
03-19-2024 at 05:53 PM.
03-19-2024 at 05:53 PM.
What happens after maturity period 12/17 mons? Does it get renewed by itself? How hard it is to get the money transferred to other bank after maturity period?
Reply

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Joined Dec 2010
L5: Journeyman
> bubble2 538 Posts
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EcoAZ
03-19-2024 at 05:57 PM.
03-19-2024 at 05:57 PM.
Quote from iahawks550 :
Cd rates are on the rise again. Great for savers, bad for consumers.
Consumers who need to finance.
Reply
Joined Dec 2007
L8: Grand Teacher
> bubble2 3,523 Posts
592 Reputation
iahawks550
03-20-2024 at 05:12 AM.
03-20-2024 at 05:12 AM.
Quote from EcoAZ :
Consumers who need to finance.
I agree with that, but it also goes a lot deeper. The reason rates are high is to tame inflation. Every consumer pays more for goods and services.
Reply
Joined Nov 2009
L6: Expert
> bubble2 1,501 Posts
169 Reputation
INVALID
03-20-2024 at 08:14 PM.
03-20-2024 at 08:14 PM.
NCUA is the insurance backing for credit unions.
FDIC is the insurance for banks.

Both insured up to 250,000*

Credit unions are not for-profit entities. Most are state chartered, which is typically why people in other states haven't heard of your local credit union down the street.
Reply
Last edited by INVALID March 20, 2024 at 08:17 PM.
Joined Nov 2009
L6: Expert
> bubble2 1,501 Posts
169 Reputation
INVALID
03-20-2024 at 08:32 PM.
03-20-2024 at 08:32 PM.
Quote from FeistyDolphin1928 :
here: https://www.cnet.com/personal-fin...dit-unions
they are number 4 now. sorry if it's too low for you

Did you read this. The list specifically states it's based solely on Savings rates and nothing more.

The other individual is likely correct, Alliant doesn't have the membership base Navy Federal does with all its military and related family members.
They have branches outside of the US as well. And are in the millions (double digits) for members while I believe Alliant only has a million or so.
Reply
Joined Nov 2009
L6: Expert
> bubble2 1,501 Posts
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INVALID
03-20-2024 at 08:52 PM.
03-20-2024 at 08:52 PM.
Quote from SociableGazelle8289 :
Another long time Alliant CU user. Pro Tip: While you are considering Allied membership, consider getting their great 2.5% cash back Visa Signature Credit Card (CC). This thing is one of my go to CCs and it also provides free extended warranties (up to 1 additional year on eligible warranties of 3 years). Other features include: No fees including foreign transactions, Travel Accident Insurance, Auto Rental Collision Damage Waiver. Link:

https://www.alliantcreditunion.or...ature-card

The extended warranties, accident insurance, et cetera are not exclusive to Alliant. The benefits are actually provided by Visa based on the type of card you have. You can review all benefits for your specific card thru Visa's site, you may have other benefits your CU doesn't highlight.
Reply
Joined Nov 2009
L6: Expert
> bubble2 1,501 Posts
169 Reputation
INVALID
03-20-2024 at 09:06 PM.
03-20-2024 at 09:06 PM.
And because I read just about every post. I added a link, I don't work for nor endorse Credit Karma, but the link provides useful info about both banks and credit unions:

https://www.creditkarma.com/advic...n-and-bank
Reply
Joined Jul 2023
L2: Beginner
> bubble2 99 Posts
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SociableGazelle8289
03-30-2024 at 12:03 PM.
03-30-2024 at 12:03 PM.
Quote from INVALID :
The extended warranties, accident insurance, et cetera are not exclusive to Alliant. The benefits are actually provided by Visa based on the type of card you have. You can review all benefits for your specific card thru Visa's site, you may have other benefits your CU doesn't highlight.
True, but many top CCs have discontinued extended warranties. Alliant's Visa is special cuz it offers 2 rarities: (1) One of the Top highest Cash back CCs & (2) Extended Warranty. I challenge you to find another that matches this.
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Joined Dec 2006
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> bubble2 2,703 Posts
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kitkat1
06-03-2024 at 05:53 PM.
06-03-2024 at 05:53 PM.
anyone here have experience closing a CD online? Can we do it online or do we need to call in prior to maturity?
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