Alliant Credit Union Certificate
inimum deposit $1,000 Federally insured by NCUA
1-year APY 3.50%
3-year APY 3.60%
5-year APY 3.65%
Why we like it
Overview: Founded in 1935 in Illinois, the online-focused Alliant Credit Union is one of the largest credit unions nationwide and offers solid certificate rates. To become a member, one option is to agree to support Alliant’s partner charity Foster Care to Success; Alliant will make a $5 donation on your behalf. Alliant’s certificates have a low minimum deposit of $1,000, and terms stretch from one to five years. Unlike at many banks, you can select a term of any month within that range. Phone support is available 24/7.
Fees: No monthly or opening costs. Early withdrawal penalties are more friendly than some banks’; the penalty for certificates of two-year terms or longer consists of up to six months of dividends. Some banks require more than a year of dividends for similar terms.
Other products: Alliant also offers IRA certificates for those saving for retirement as well as savings accounts and a high-yield checking with an extensive ATM network.
List of Alliant Credit Union certificate rates:
1-year: 3.50% APY
18-month: 3.55% APY
2-year: 3.55% APY
3-year: 3.60% APY
4-year: 3.60% APY
5-year: 3.65% APY
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