Alliant Credit Union CDs Up to 5.45% APY
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Thread created 02-01-2024 by EfficientGame645
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anyone has experience with CIBC?
Alliant Credit Union CDs Up to 5.45% APY
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Thread created 02-01-2024 by EfficientGame645
+30 Score
119 Replies
44,254 Views
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.
Alliant Credit Union CDs Up to 5.45% APY
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Thread created 02-01-2024 by EfficientGame645
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119 Replies
44,254 Views
If you put $1000 into a 5.45% account for 1 year without touching it and no fees, how much will it have in 1 year? $1054.50?
Alliant Credit Union CDs Up to 5.45% APY
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Thread created 02-01-2024 by EfficientGame645
+30 Score
119 Replies
44,254 Views
These are the correct answers. These CD’s are only a good deal if you ignore T-Bills.
Alliant Credit Union CDs Up to 5.45% APY
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Thread created 02-01-2024 by EfficientGame645
+30 Score
119 Replies
44,254 Views
Interest income from Treasury securities is subject to federal income tax but exempt from state and local taxes.
Alliant Credit Union CDs Up to 5.45% APY
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Thread created 02-01-2024 by EfficientGame645
+30 Score
119 Replies
44,254 Views
anyone here have experience closing a CD online? Can we do it online or do we need to call in prior to maturity?
Alliant Credit Union CDs Up to 5.45% APY
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Thread created 02-01-2024 by EfficientGame645
+30 Score
119 Replies
44,254 Views
I’d like to add to the support for Alliant. Been with them for 15 years and only had one small issue the whole time. Great app, good to know you’re supporting the community with a credit union...
Alliant Credit Union CDs Up to 5.45% APY
Expired
Thread created 02-01-2024 by EfficientGame645
+30 Score
119 Replies
44,254 Views
5.45 apy ftw
Alliant Credit Union CDs Up to 5.45% APY
Expired
Thread created 02-01-2024 by EfficientGame645
+30 Score
119 Replies
44,254 Views
I have Banked with them since 2006. They are great credit union. Easy auto loans. And great rates.
Alliant Credit Union CDs Up to 5.45% APY
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Thread created 02-01-2024 by EfficientGame645
+30 Score
119 Replies
44,254 Views
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?
Alliant Credit Union CDs Up to 5.45% APY
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Thread created 02-01-2024 by EfficientGame645
+30 Score
119 Replies
44,254 Views
Why aren't people talking more about this!? :eek:
If you expect rates to go down being able to lock in a good rate, with an extremely short early withdrawl penalty seems like a no brainer. Only...
Alliant Credit Union CDs Up to 5.45% APY
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Thread created 02-01-2024 by EfficientGame645
+30 Score
119 Replies
44,254 Views
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?
Alliant Credit Union CDs Up to 5.45% APY
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Thread created 02-01-2024 by EfficientGame645
+30 Score
119 Replies
44,254 Views
I would assume so. In general you'll need to open the basic member savings account (something like that). At least that has been my experience with all the credit unions I've dealt with in the past...
Alliant Credit Union CDs Up to 5.45% APY
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Thread created 02-01-2024 by EfficientGame645
+30 Score
119 Replies
44,254 Views
You can get the same rate, or better, and not have your money tied up for a long period of time. You can choose investments for as short as 4 weeks.
Currently, a 4 week treasury is going for a...
Alliant Credit Union CDs Up to 5.45% APY
Expired
Thread created 02-01-2024 by EfficientGame645
+30 Score
119 Replies
44,254 Views
My cd term with Marcus matured at the end of Feb. and I was looking at a high yield cd and found Alliant with one of the better rates at 4.5% with good customer reviews so I moved my money here for a...
Alliant Credit Union CDs Up to 5.45% APY
Expired
Thread created 02-01-2024 by EfficientGame645
+30 Score
119 Replies
44,254 Views
Found the penalty:
https://www.alliantcreditunion.org/bank/credit-union-certificate?_ga=2.156092731.1888580380.1710182721-1171633416.1710182720#rates
Alliant Credit Union CDs Up to 5.45% APY
Expired
Thread created 02-01-2024 by EfficientGame645
+30 Score
119 Replies
44,254 Views
They pay the membership on your behalf to a foster children group for you to be eligible to be a member
Alliant Credit Union CDs Up to 5.45% APY
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Thread created 02-01-2024 by EfficientGame645
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119 Replies
44,254 Views
Had no idea credit unions are insured by NCUA and not FDIC.
Alliant Credit Union CDs Up to 5.45% APY
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Thread created 02-01-2024 by EfficientGame645
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119 Replies
44,254 Views
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.
Alliant Credit Union CDs Up to 5.45% APY
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Thread created 02-01-2024 by EfficientGame645
+30 Score
119 Replies
44,254 Views
Cd rates are on the rise again. Great for savers, bad for consumers.
Alliant Credit Union CDs Up to 5.45% APY
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Thread created 02-01-2024 by EfficientGame645
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119 Replies
44,254 Views
Thanks for the feedback. But I don't think you answered whether the CC was 2.5% on everything. I just assumed no annual fee. Is that not true? (BTW, I also have two other 5% rotating category cards....
Alliant Credit Union CDs Up to 5.45% APY
Expired
Thread created 02-01-2024 by EfficientGame645
+30 Score
119 Replies
44,254 Views
i see what you mean, does this offer have an expiration?
Alliant Credit Union CDs Up to 5.45% APY
Expired
Thread created 02-01-2024 by EfficientGame645
+30 Score
119 Replies
44,254 Views
Anyone with previous experience on a mortgage with them? I was thinking about using them as a lender.
Alliant Credit Union CDs Up to 5.45% APY
Expired
Thread created 02-01-2024 by EfficientGame645
+30 Score
119 Replies
44,254 Views
You can buy CDs from your brokerage account like Fidelity , vanguard , etc,
Alliant Credit Union CDs Up to 5.45% APY
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Thread created 02-01-2024 by EfficientGame645
+30 Score
119 Replies
44,254 Views
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...
Alliant Credit Union CDs Up to 5.45% APY
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Thread created 02-01-2024 by EfficientGame645
+30 Score
119 Replies
44,254 Views
I pulled my money out of Alliant savings account recently. They've been dropping savings rates steadily. Better rates (like a full point higher) from Discover, Cap One or simply a Fidelity money...
Alliant Credit Union CDs Up to 5.45% APY
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Thread created 02-01-2024 by EfficientGame645
+30 Score
119 Replies
44,254 Views
saving California state taxes is a bit of a wildcard since your taxes are so high. I opened an 18 month CD at 6% maybe two months ago? I’ll probably open a 12 month at 5.4 now.
Alliant Credit Union CDs Up to 5.45% APY
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Thread created 02-01-2024 by EfficientGame645
+30 Score
119 Replies
44,254 Views
One thing I am curious are these CDs callable?
JPM offers high rate CDs but they are all callable from my research
Alliant Credit Union CDs Up to 5.45% APY
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Thread created 02-01-2024 by EfficientGame645
+30 Score
119 Replies
44,254 Views
Are these CDs callable? As stated before, laddered TBills are municipal and state tax excepted, and if you buy through a brokerage like Fidelity, they're more liquid.
For what it's worth , I...
Alliant Credit Union CDs Up to 5.45% APY
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Thread created 02-01-2024 by EfficientGame645
+30 Score
119 Replies
44,254 Views
Not sure who told you that but that is certainly not true. Navy Federal for sure is higher on the list than these guys and I don’t think Navy is even in the top 3 anymore. As for these guys they used...
Alliant Credit Union CDs Up to 5.45% APY
Expired
Thread created 02-01-2024 by EfficientGame645
+30 Score
119 Replies
44,254 Views
You have to be nutz to buy Bitcoin with how volatile that market is.
Alliant Credit Union CDs Up to 5.45% APY
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Thread created 02-01-2024 by EfficientGame645
+30 Score
119 Replies
44,254 Views
...yes
Alliant Credit Union CDs Up to 5.45% APY
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Thread created 02-01-2024 by EfficientGame645
+30 Score
119 Replies
44,254 Views
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.
Alliant Credit Union CDs Up to 5.45% APY
Expired
Thread created 02-01-2024 by EfficientGame645
+30 Score
119 Replies
44,254 Views
Been a member of Alliant Credit Union for over 10 years. Love it!
Alliant Credit Union CDs Up to 5.45% APY
Expired
Thread created 02-01-2024 by EfficientGame645
+30 Score
119 Replies
44,254 Views
Everything but the bolded makes sense. They are absolutely taxed. There is even an option for witholding
Alliant Credit Union CDs Up to 5.45% APY
Expired
Thread created 02-01-2024 by EfficientGame645
+30 Score
119 Replies
44,254 Views
Im a member of ACU. very seamless process with HELOC
Alliant Credit Union CDs Up to 5.45% APY
Expired
Thread created 02-01-2024 by EfficientGame645
+30 Score
119 Replies
44,254 Views
What bank is your savings account with?
Alliant Credit Union CDs Up to 5.45% APY
Expired
Thread created 02-01-2024 by EfficientGame645
+30 Score
119 Replies
44,254 Views
All credit unions are not-for-profit institutions.
Alliant Credit Union CDs Up to 5.45% APY
Expired
Thread created 02-01-2024 by EfficientGame645
+30 Score
119 Replies
44,254 Views
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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