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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Alliant Credit Union Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: October 31, 2026
Alliant Credit Union's 12 - 17 Month One Year CD rates are at 4.30%, 12 Month CD rates are at 4.30%, 48 Month CD rates are at 3.65%, 60 Month Five Year CD rates are at 3.65%, 60 Month CD rates are at 3.65%. Alliant Credit Union's savings rates are at 3.35%. Alliant Credit Union's checking rates are as high as 2.00%. Alliant Credit Union's Adjustable Rate Mortgage (ARM) - 5/6 ARM rates are at 6.50%, Fixed Rate Home Mortgage - 15-Yr. Fixed rates are at 6.50%, Adjustable Rate Mortgage (ARM) - 7/6 ARM rates are at 6.62%, Adjustable Rate Mortgage (ARM) - 10/6 ARM rates are at 6.88%, Fixed Rate Home Mortgage - 20-Yr. Fixed rates are at 7.12%. Alliant Credit Union's Personal Loan Rates are as low as 9.49%. Alliant Credit Union's Credit Card Rates are at 15.99%. Alliant Credit Union's CD rates are 34% higher than the MonitorBankRates national average, and it has an A health rating. MonitorBankRates evaluates the financial stability of Alliant Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 6.04%. Rates last updated and verified on 10/31/2026. Alliant Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Alliant Credit Union? Share your experience about Alliant Credit Union by leaving a review below, or read customer reviews before you decide to use Alliant Credit Union. Alliant Credit Union
ACU Headquarters 11545 W Touhy Ave
https://www.alliantcreditunion.org/ Chicago, IL 60666  Customer Reviews
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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends. Alliant Credit Union CD Rates
Alliant Credit Union Savings Rates
Alliant Credit Union Checking Rates
Alliant Credit Union Mortgage Rates
Alliant Credit Union Auto Loan Rates
Alliant Credit Union RV, Boat and Powersport Loan Rates
Alliant Credit Union Credit Card Rates
Alliant Credit Union Personal Loan Rates
Alliant Credit Union Other Rates
Financial Health HistoryAlliant Credit Union’s Texas Ratio rose from 5.50% in Q3 2023 to 6.04% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)
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How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Alliant Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Alliant Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Alliant Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Alliant Credit Union
Address
11545 W Touhy Ave,
Chicago, IL 60666
Phone
800-328-1935
Fax
773-462-2111
President
Lee Achord
CEO
Michael Dobbins
Full-Time Employees
913
Part-Time Employees
1
Branch Locations
0
ATM Locations
0
NCUA Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (97/100)
Texas Ratio
6.04%
Return on Assets (ROA)
0.4741%
Return on Equity (ROE)
5.1701%
Non-Performing Loans Ratio (NPL)
0.81%
Total Assets
20,006,668,906
Total Amount of Shares and Deposits
16,114,274,429
Total Shares and Deposits < 1 Year
15,382,830,703
Total Shares and Deposits 1 3 Years
659,753,184
Total Shares and Deposits > 3 Years
71,690,541
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
1,983,791,782
Total Uninsured Shares and Deposits > $250K (F+J)
1,983,791,782
Total Insured Shares and Deposits > $250K (item 17 less item K)
14,130,482,647
Total Interest Expense (Sum of items 6 8)
372,761,719
Share Certificates
154,363
Number of Accounts for Share Drafts
343,066
IRA KEOGH Accounts
35,731
Number of Accounts for Regular Shares
1,087,185
Non Member Deposits
194,856
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
344,896,596
Total Liabilities
18,329,791,542
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
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Frequently Asked Questions About Alliant Credit UnionDoes Alliant Credit Union offer CDs?Yes. Alliant Credit Union current CD rates include its 12 - 17 Month One Year CD at 4.30% APY, its 12 Month CD at 4.30% APY and its 48 Month CD at 3.65% APY, verified by MonitorBankRates as of October 31, 2026. Are CDs from Alliant Credit Union NCUA insured?Yes. Alliant Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category. What is the highest CD rate at Alliant Credit Union?The highest Alliant Credit Union CD rate is its 12 Month Jumbo IRA CD at 4.35% APY, verified by MonitorBankRates as of October 31, 2026. What CD terms does Alliant Credit Union offer?Alliant Credit Union CD rates are 4.30% APY for a 12 month CD, 4.30% APY for a 17 month CD, 3.60% APY for an 18 month CD, 3.60% APY for a 2 year CD, 3.65% APY for a 4 year CD and 3.65% APY for a 5 year CD, verified by MonitorBankRates as of October 31, 2026. The institution may offer other terms or specials that are not listed here, so check with Alliant Credit Union for its full lineup. What is the highest savings rate at Alliant Credit Union?The highest Alliant Credit Union savings rate is its Jumbo Savings at 3.35% APY, verified by MonitorBankRates as of October 31, 2026. What is the highest checking rate at Alliant Credit Union?The highest Alliant Credit Union checking rate is its Jumbo High-Rate Checking at 2.00% APY, verified by MonitorBankRates as of October 31, 2026. What is the lowest 30 year fixed mortgage rate at Alliant Credit Union?The lowest Alliant Credit Union 30 year fixed mortgage rate is its Fixed Rate Home Mortgage - 30-Yr. Fixed at 7.25%, verified by MonitorBankRates as of October 31, 2026. Alliant Credit Union mortgage rates are 7.25% for a 30 year mortgage, 7.125% for a 20 year mortgage, 6.50% for a 15 year mortgage, 6.50% for a 5/6 ARM, 6.625% for a 7/6 ARM and 6.875% for a 10/6 ARM. What is the lowest auto loan rate at Alliant Credit Union?The lowest Alliant Credit Union auto loan rate is its Tesla New Vehicle Rate Loan at 5.99% APR, verified by MonitorBankRates as of October 31, 2026. What is the lowest personal loan rate at Alliant Credit Union?The lowest Alliant Credit Union personal loan rate is its Personal Loans - Unsecured Rate at 9.49% APR, verified by MonitorBankRates as of October 31, 2026. What is the lowest credit card APR at Alliant Credit Union?The lowest Alliant Credit Union credit card APR is its Alliant Cashback Visa Signature Credit Card at 15.99% APR, verified by MonitorBankRates as of October 31, 2026. How many branches does Alliant Credit Union operate?Alliant Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join Alliant Credit Union?Yes, to access services at Alliant Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, Alliant Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Alliant Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Alliant Credit Union offer online and mobile banking?Most modern institutions like Alliant Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.alliantcreditunion.org/. Are all CD rates listed on MonitorBankRates federally insured?Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account. I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit. If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money. Why are some CD offers not available for me to open?Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules. How do Alliant Credit Union rates compare?Alliant Credit Union's CD rates are 34% higher than the MonitorBankRates national average, and it has an A health rating. Alliant Credit Union's top rates are its 12 Month Jumbo IRA CD at 4.35% APY, its Jumbo Savings at 3.35% APY, its Jumbo High-Rate Checking at 2.00% APY, its Adjustable Rate Mortgage (ARM) - 5/6 ARM at 6.50%, its Personal Loans - Unsecured Rate at 9.49% APR and its Alliant Cashback Visa Signature Credit Card at 15.99% APR, verified by MonitorBankRates on October 31, 2026. Current Alliant Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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