Alliant Credit Union

Alliant Credit Union is a federally chartered credit union headquartered in Chicago, Illinois. It was founded in 1935 to serve employees of United Airlines and has since opened its membership broadly. Today, virtually any US adult can join Alliant by making a small qualifying donation to a partner nonprofit organization if they do not qualify through an eligible employer or association.

As a credit union, Alliant is owned by its members rather than outside investors. It is insured by the National Credit Union Administration up to $250,000 per depositor, providing the same level of federal deposit protection as FDIC insurance at banks. Because it operates as a nonprofit cooperative, Alliant generally aims to offer competitive rates and low fees compared to many traditional banks.

Alliant commonly offers high-yield savings accounts, checking accounts with ATM fee rebates, auto loans, personal loans, mortgages, and credit cards. It is frequently recognized for its savings account rates, which have historically been higher than average. Its auto loan products are available for new and used vehicles, and the credit union is often cited as a competitive option for borrowers with good credit.

Alliant operates almost entirely online and through a national ATM network rather than through physical branches. This model keeps costs low and allows it to serve members across all 50 states. Customer service is available by phone and online.

Alliant's credit cards include a cashback Visa option that is well regarded among rewards-focused consumers. Applicants with strong credit histories are most likely to qualify for its best rates and products.

Anyone considering joining should check the current eligibility requirements on Alliant's website, as the easiest path to membership involves a small charitable contribution to a qualifying organization.