What are the current interest rates at Alliant Credit Union?

Current rates for Alliant Credit Union include: 12-Month CD: 4.10%, 18-Month CD: 3.60%, 24-Month CD: 3.60%, 60-Month CD: 3.65%, Savings: 3.35%

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Alliant Credit Union

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Alliant Credit Union Rates & Review October 2026

Q: 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.

Q: 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.

Q: 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.

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 10, 2026

Alliant Credit Union's top rates as of October 10, 2026 are 4.15% APY on its 12 Month Jumbo IRA CD, 3.35% APY on savings, 2.00% APY on checking, 6.50% on its Adjustable Rate Mortgage (ARM) - 5/6 ARM, personal loans from 9.49% APR, and credit cards from 15.74% APR, according to rates verified by MonitorBankRates. Other Alliant Credit Union CD rates include 12 Month Jumbo CD at 4.15%, 1 Year One Year CD at 4.10%, and 12 Month IRA CD at 4.10%. Other Alliant Credit Union mortgage rates include Mortgage - 5/6 ARM at 6.50%, Adjustable Rate Mortgage (ARM) - 7/6 ARM at 6.62%, and Mortgage - 7/6 ARM at 6.62%. 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 10/10/2026.

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.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

6.04%

Excellent Lower than avg

Health Trend

Steady 12 quarters

Full history ›

Alliant Credit Union
ACU Headquarters

11545 W Touhy Ave
Chicago, IL 60666

https://www.alliantcreditunion.org/

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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

Product	Rate	APY	Term
12 Month Jumbo IRA Certificate	4.07%	4.15%	12-month
Min Deposit $75,000 Min Balance $75,000 Details Balance: $75,000+ Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 4.15% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.04%
12 Month Jumbo Share Certificate	4.07%	4.15%	12-month
Min Deposit $75,000 Min Balance $75,000 Details Balance: $75,000+ Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 4.15% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.04%
1 Year One Year Certificate	4.02%	4.10%	1 Year
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 4.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.04%
12 Month IRA Certificate	4.02%	4.10%	12-month
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000$74,999 Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 4.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.04%
12 Month Share Certificate	4.02%	4.10%	12-month
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000$74,999 Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 4.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.04%
12-17 month One Year Certificate	4.02%	4.02%	12-17 months
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 4.02% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.04%
24 Month Jumbo IRA Certificate	3.64%	3.70%	24-month
Min Deposit $75,000 Min Balance $75,000 Details Balance: $75,000+ Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 3.70% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.04%
24 Month Jumbo Share Certificate	3.64%	3.70%	24-month
Min Deposit $75,000 Min Balance $75,000 Details Balance: $75,000+ Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 3.70% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.04%
36 Month Jumbo IRA Certificate	3.64%	3.70%	36-month
Min Deposit $75,000 Min Balance $75,000 Details Balance: $75,000+ Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 3.70% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.04%
36 Month Jumbo Share Certificate	3.64%	3.70%	36-month
Min Deposit $75,000 Min Balance $75,000 Details Balance: $75,000+ Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 3.70% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.04%
48 Month Jumbo IRA Certificate	3.64%	3.70%	48-month
Min Deposit $75,000 Min Balance $75,000 Details Balance: $75,000+ Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 3.70% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.04%
48 Month Jumbo Share Certificate	3.64%	3.70%	48-month
Min Deposit $75,000 Min Balance $75,000 Details Balance: $75,000+ Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 3.70% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.04%
60 Month Jumbo IRA Certificate	3.64%	3.70%	60-month
Min Deposit $75,000 Min Balance $75,000 Details Balance: $75,000+ Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 3.70% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.04%
60 Month Jumbo Share Certificate	3.64%	3.70%	60-month
Min Deposit $75,000 Min Balance $75,000 Details Balance: $75,000+ Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 3.70% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.04%
18 Month Jumbo IRA Certificate	3.59%	3.65%	18-month
Min Deposit $75,000 Min Balance $75,000 Details Balance: $75,000+ Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 3.65% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.04%
18 Month Jumbo Share Certificate	3.59%	3.65%	18-month
Min Deposit $75,000 Min Balance $75,000 Details Balance: $75,000+ Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 3.65% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.04%
48 Month IRA Certificate	3.59%	3.65%	48-month
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000$74,999 Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 3.65% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.04%
48 Month Share Certificate	3.59%	3.65%	48-month
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000$74,999 Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 3.65% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.04%
60 Month IRA Certificate	3.59%	3.65%	60-month
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000$74,999 Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 3.65% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.04%
60 Month Share Certificate	3.59%	3.65%	60-month
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000$74,999 Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 3.65% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.04%
18 Month IRA Certificate	3.54%	3.60%	18-month
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000$74,999 Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 3.60% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.04%
18 Month Share Certificate	3.54%	3.60%	18-month
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000$74,999 Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 3.60% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.04%
24 Month IRA Certificate	3.54%	3.60%	24-month
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000$74,999 Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 3.60% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.04%
24 Month Share Certificate	3.54%	3.60%	24-month
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000$74,999 Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 3.60% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.04%
36 Month IRA Certificate	3.54%	3.60%	36-month
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000$74,999 Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 3.60% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.04%
36 Month Share Certificate	3.54%	3.60%	36-month
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000$74,999 Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 3.60% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.04%
6 Month IRA Certificate	3.54%	3.60%	6-month
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000$74,999 Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 3.60% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.04%
6 Month Jumbo IRA Certificate	3.54%	3.60%	6-month
Min Deposit $75,000 Min Balance $75,000 Details Balance: $75,000+ Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 3.60% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.04%
6 Month Jumbo Share Certificate	3.54%	3.60%	6-month
Min Deposit $75,000 Min Balance $75,000 Details Balance: $75,000+ Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 3.60% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.04%
6 Month Share Certificate	3.54%	3.60%	6-month
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000$74,999 Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 3.60% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.04%
3 Month IRA Certificate	3.06%	3.10%	3-month
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000$74,999 Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 3.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.04%
3 Month Jumbo IRA Certificate	3.06%	3.10%	3-month
Min Deposit $75,000 Min Balance $75,000 Details Balance: $75,000+ Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 3.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.04%
3 Month Jumbo Share Certificate	3.06%	3.10%	3-month
Min Deposit $75,000 Min Balance $75,000 Details Balance: $75,000+ Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 3.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.04%
3 Month Share Certificate	3.06%	3.10%	3-month
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000$74,999 Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 3.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.04%

Alliant Credit Union Savings Rates

Product	Rate	APY
Jumbo Savings	3.30%	3.35%
Min Balance $100,000 Details Balance $100,000+ Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 3.35% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.04%
High-Rate Savings	2.97%	3.01%
Min Balance $100 Details Balance $100+ Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 3.01% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.04%
Jumbo Savings	2.97%	3.01%
Min Balance $100 Details Balance $100-$99,999.99 Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 3.01% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.04%
Kids High-Rate Savings Account	-	3.01%
Min Deposit $5 Min Balance $100 Details With an average daily balance of $100 or more. APY= Annual Percentage Yield. Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 3.01% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.04%
Kids savings account	-	3.01%
Details Teach kids 12 and younger about money-easy way to open savings account for a grandchild. Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 3.01% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.04%

Alliant Credit Union Checking Rates

Product	Rate	APY
Jumbo High-Rate Checking	1.98%	2.00%
Details Qualifications Required; $5,000 monthly direct deposit, $10,000 average daily balance of all deposit shares, eStatements Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 2.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.04%
Jumbo High-Rate Checking	1.00%	1.00%
Details Qualifications Required; $2,500 monthly direct deposit, eStatements Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 1.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.04%
High-Rate Checking	0.25%	0.25%
Details Qualifications Required; One electronic deposit, eStatements Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 0.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.04%
Jumbo High-Rate Checking	0.25%	0.25%
Details Qualifications Required; $1,000 monthly direct deposit, eStatements Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 0.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.04%
Teen Checking	0.25%	0.25%
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 0.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.04%

Alliant Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
Adjustable Rate Mortgage (ARM) - 5/6 ARM	6.50%	-	6.513%	5/6 ARM
Details Purchase rates shown above are stated as low as. Rates can vary based on individual loan characteristics. Displayed rates reflect a 45-day lock period. Refinances are currently locked for 60 days. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 6.51% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.04%
Mortgage - 5/6 ARM	6.50%	-	6.513%
Details 5/6 ARM Last Updated 10/10/2026 Rate History 1 change since Oct 1, 2026 · 6.46% → 6.51% ▲ 0.05 pts · high 6.51% / low 6.46% Oct 10, 20266.51%▲ from 6.46% Oct 1, 20266.46%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.04%
Adjustable Rate Mortgage (ARM) - 7/6 ARM	6.625%	-	6.578%	7/6 ARM
Details Purchase rates shown above are stated as low as. Rates can vary based on individual loan characteristics. Displayed rates reflect a 45-day lock period. Refinances are currently locked for 60 days. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 6.58% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.04%
Mortgage - 7/6 ARM	6.625%	-	6.578%
Details 7/6 ARM Last Updated 10/10/2026 Rate History 1 change since Oct 1, 2026 · 6.51% → 6.58% ▲ 0.07 pts · high 6.58% / low 6.51% Oct 10, 20266.58%▲ from 6.51% Oct 1, 20266.51%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.04%
Adjustable Rate Mortgage (ARM) - 10/6 ARM	6.875%	-	6.764%	10/6 ARM
Details Purchase rates shown above are stated as low as. Rates can vary based on individual loan characteristics. Displayed rates reflect a 45-day lock period. Refinances are currently locked for 60 days. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 6.76% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.04%
Mortgage - 10/6 ARM	6.875%	-	6.764%
Details 10/6 ARM Last Updated 10/10/2026 Rate History 1 change since Oct 1, 2026 · 6.75% → 6.76% ▲ 0.01 pts · high 6.76% / low 6.75% Oct 10, 20266.76%▲ from 6.75% Oct 1, 20266.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.04%
Fixed Rate Home Mortgage - 15-Yr.	6.75%	-	6.798%	15-Yr.
Details Purchase rates shown above are stated as low as. Rates can vary based on individual loan characteristics. Displayed rates reflect a 45-day lock period. Refinances are currently locked for 60 days. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 6.80% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.04%
Fixed Rate Home Mortgage - 30-Yr.	7.50%	-	7.531%	30-Yr.
Details Purchase rates shown above are stated as low as. Rates can vary based on individual loan characteristics. Displayed rates reflect a 45-day lock period. Refinances are currently locked for 60 days. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 7.53% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.04%
Fixed Rate Home Mortgage - 20-Yr.	7.50%	-	7.54%	20-Yr.
Details Purchase rates shown above are stated as low as. Rates can vary based on individual loan characteristics. Displayed rates reflect a 45-day lock period. Refinances are currently locked for 60 days. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 7.54% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.04%

Alliant Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Tesla New Vehicle Rate Loan	-	-	5.99%	60 months
Details As Low As Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 5.99% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.04%
New Vehicle Rate Loan	-	-	6.34%	60 months
Details As Low As Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 6.34% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.04%
Tesla Used Vehicle Rate Loan	-	-	6.34%	60 months
Details As Low As Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 6.34% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.04%
Used Vehicle Rate Loan	-	-	6.59%	60 months
Details As Low As Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 6.59% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.04%

Alliant Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Recreational Vehicles Rate Loan	-	7.14%	120 months
Details As Low As Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 7.14% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.04%
Recreational Vehicles Rate Loan	-	7.89%	144 months
Details As Low As Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 7.89% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.04%
Recreational Vehicles Rate Loan	-	7.89%	180 months
Details As Low As Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 7.89% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.04%
Recreational Vehicles Rate Loan	-	8.39%	240 months
Details As Low As Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 8.39% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.04%

Alliant Credit Union Credit Card Rates

Product	Rate	APR
Alliant Cashback Visa Signature Credit Card	-	15.74%
Details Regular APR: 15.74% - 25.74%; APR range: 15.74% - 25.74% APR Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 15.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.04%
Alliant Visa Platinum Credit Card	-	15.74%
Details Intro APR: 0% for 12 months; Intro rate expires: 12 months; Regular APR: 15.74% - 25.74% Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 15.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.04%
Alliant Visa Platinum Rewards Credit Card	-	15.74%
Details Intro APR: 0% for 12 months; Intro rate expires: 12 months; Regular APR: 15.74% - 25.74% Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 15.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.04%

Alliant Credit Union Personal Loan Rates

Product	APR	Term
Unsecured Rate Loan	9.49%	12 months
No additional details. Last Updated 10/10/2026 Rate History 1 change since Sep 30, 2026 · 8.99% → 9.49% ▲ 0.50 pts · high 9.49% / low 8.99% Oct 1, 20269.49%▲ from 8.99% Sep 30, 20268.99%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.04%
Unsecured Rate Loan	10.49%	24 months
No additional details. Last Updated 10/10/2026 Rate History 1 change since Sep 30, 2026 · 9.99% → 10.49% ▲ 0.50 pts · high 10.49% / low 9.99% Oct 1, 202610.49%▲ from 9.99% Sep 30, 20269.99%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.04%
Unsecured Rate Loan	11.49%	48 months
No additional details. Last Updated 10/10/2026 Rate History 1 change since Sep 30, 2026 · 10.99% → 11.49% ▲ 0.50 pts · high 11.49% / low 10.99% Oct 1, 202611.49%▲ from 10.99% Sep 30, 202610.99%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.04%
Unsecured Rate Loan	12.49%	60 months
No additional details. Last Updated 10/10/2026 Rate History 1 change since Sep 30, 2026 · 11.99% → 12.49% ▲ 0.50 pts · high 12.49% / low 11.99% Oct 1, 202612.49%▲ from 11.99% Sep 30, 202611.99%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.04%
Alliant Cashback Visa Signature Credit Card	15.74%
Details Regular APR: 15.74% - 25.74%; APR range: 15.74% - 25.74% APR Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 15.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.04%

Alliant Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
15-Yr. Fixed	6.75%	-	6.798%	15-Yr.
Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 6.80% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.04%
20-Yr. Fixed	7.50%	-	7.54%	20-Yr.
Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 7.54% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.04%
30-Yr. Fixed	7.50%	-	7.531%	30-Yr.
Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 7.53% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.04%
Journey Home Savings	-	-	3.01%	18-month period
Details Start a savings plan (at least $300/month over an 18-month period); Get up to a 100% match on your interest earned ($1,500 max) Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 3.01% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.04%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Alliant 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)

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

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$20.0B	6.04%	5.0	A
March 31, 2026	$19.7B	6.83%	5.0	A
December 31, 2025	$20.3B	6.24%	5.0	A
September 30, 2025	$20.3B	8.47%	5.0	A
June 30, 2025	$20.0B	6.11%	5.0	A
March 31, 2025	$19.7B	7.67%	5.0	A
December 31, 2024	$19.5B	6.58%	5.0	A
September 30, 2024	$20.3B	6.30%	5.0	A
June 30, 2024	$20.3B	5.84%	5.0	A+
March 31, 2024	$20.1B	6.12%	5.0	A
December 31, 2023	$18.5B	6.26%	5.0	A
September 30, 2023	$18.9B	5.50%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates 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

Website https://www.alliantcreditunion.org/

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

Financials

MonitorBankRates 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

Q2 2026 MBR Health & Safety Badge

Alliant Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

<a href="https://monitorbankrates.com/credit-unions/alliant-credit-union-rates-review-67955">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
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       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Alliant Credit Union

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/.

Current Alliant Credit Union Rates

12-Month CD4.10%
18-Month CD3.60%
24-Month CD3.60%
60-Month CD3.65%
Savings3.35%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Alliant Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Alliant Credit Union Texas Ratio

Alliant Credit Union Health Trend

Alliant Credit Union CD Rates

Alliant Credit Union Savings Rates

Alliant Credit Union Checking Rates

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Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Alliant Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Alliant Credit Union

How many branches does Alliant Credit Union operate?

Is a member application needed to join Alliant Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Alliant Credit Union offer online and mobile banking?

Current Alliant Credit Union Rates

Compare to Other Credit Unions