as well as other partner offers and accept our, Affinity Plus Federal Credit Union Superior Money Market Account, 4.5 out of Q&A; Interviews; 87. The Ultimate Opportunity Savings Account also offers new customers a $100 bonus for making 12 consecutive monthly deposits of at least $100 each. Photos; Back to salaries. Access to other award-winning ALM websites including Law.com and GlobeSt.com. Alliant Credit Unions high-yield savings account is among the best savings accounts nationwide. Alliant Credit Union. To become a member, give a small donation to a foundation or open a savings account. Our articles, interactive tools, and hypothetical examples contain information to help you conduct research but are not intended to serve as investment advice, and we cannot guarantee that this information is applicable or accurate to your personal circumstances. On Affinity Plus Federal Credit Union's website. Why it stands out:Bethpage Federal Credit Union lets you earn a high interest rate on checking, certificate, or money market accounts. 5 Stars, 4.75 The savings accounts, checking accounts and CDs offer competitive yields. The Alliant Visa Signature Card is a cash back credit card that rewards select users with 2.5% back on every purchase they make on up to $10,000 in spending per billing cycle. Other cards tend to top out at 2%. How does NCUA insurance work at a credit union? The sky-high 2.5% rewards rate is one of the best available, but you'll need to meet requirements to earn it. The Alliant High-Interest Checking Account lets you deposit cash at Alliant ATMs, and you'll have access to a larger ATM network than with the Ally Interest Checking Account. Alliant Credit Union Ultimate Opportunity Savings Account. How To Find The Cheapest Travel Insurance, Best Savings Accounts For Automated Saving, Best Savings Accounts For Digital Banking, Best Savings Accounts For Customer Experience, Fintech Trends Likely To Stick Around After The Pandemic, How To Protect Your Online Banking Information, Fintech Tools To Help You Master Money Mindfulness, Checking account offers dividends without a high balance requirement, Extensive ATM network with varied options, Alliant does not have branches, so you must feel comfortable banking online, by mobile app and by phone only, Kids Savings Accounts must be opened prior to age 12. Do not sell or share my personal information. It offers six terms ranging from 12 to . Look for a high-yield bank account at credit unions and online banks until you find one meets your needs. When should you bank with a credit union over a bank? Alliant Credit Union's certificate account is a fixed-rate, time-based savings account similar to a CD. Other banks and credit unions still charge overdraft fees of around $30-$35, up to several times per day. Customers who open this account receive a Visa debit card. It earns a competitive interest rate and doesn't have monthly service fees. Disclaimer: NerdWallet strives to keep its information accurate and up to date. Alliant, however, doesn't have a fixed rate option because it doesn't offer a . 5 Stars, Consumers Credit Union Free Rewards Checking Account, 3.75 out of Once you have a High-Rate Savings account with Alliant, you can open up to 19 supplemental accounts. Chanelle Bessette is a personal finance writer at NerdWallet covering banking. Therefore, this compensation may impact how, where and in what order products appear within listing categories, except where prohibited by law for our mortgage, home equity and other home lending products. Earn 5% cash back in rotating categories that you activate, on up to $1,500 in spending per quarter. Details Annual Percentage Yield (APY) 0.25% Minimum Deposit Amount $0 Editor's Rating 4.5/5 Pros & Cons Highlights Additional Reading Why it stands. Today, consumers have more banking choices than ever, whether that means using a traditional brick-and-mortar bank, an online bank or a credit union. Premier Members Credit Union, NCUA insured. Many of the credit unions featured on our list have bank accounts with zero monthly maintenance fees. Our partners compensate us. Paper check or bank statement: Bank-issued checks . Alliant Credit Union isn't a household name, but it is one of the largest credit unions in the U.S. Hope Credit Union, NCUA insured. This information may be different than what you see when you visit a financial institution, service provider or specific products site. Alliant CU pays a $5 membership fee for you, and you'll also need to keep $5 in a shared savings account. All federally chartered credit unions must carry NCUA insurance. But you also can join the credit union by paying $5 to become a member of Foster Care to Success (FC2S), which provides education grants and scholarships to teens in foster care throughout the U.S. Alliant will cover your $5 membership fee by depositing the amount into your account once youre set up. Members expect to be able to interact with their credit unions on their terms -- either digitally or with hands-on guidance and at their convenience. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion directly. Alliant Credit Union lets you manage your credit card and other accounts through its online banking platform as well as its apps for devices that run on Android or iOS. [schema type="organization" orgtype="LocalBusiness" url="https://uat.alliantcu.com/" name="Alliant Credit Union" description="" street="1200 Associates Dr, Suite 102" city="Dubuque" state="IA" postalcode="52002" country="United States" phone="800-928-4328" ], Youth & Internet Here are a few of the main pros and cons to consider about credit unions, which might help sway your decision in determining whether a credit union is right for you. The modern member experience is evolving and retention is top of mind for credit union leaders. Local banking options. Alliant's share certificates come with way above-average rates, but opening one does require some cash: youll need a $1,000 minimum opening deposit. is one of just a handful of great cash-back cards that don't charge foreign transaction fees, those annoying 3% fees applied to international purchases. CoBrowsing supplies new life to chat and other credit union channels, like phone, to create a high-touch, deeper level of engagement to truly stand out. Learn More Terms apply to offers listed on this page. 33. But not everyone will qualify for these rewards. of No fees. Checking dividends are paid on the last day of the month. Those born in 1960 or later need to reach age 67 before they'll . As long as your share certificate meets all of the promotion requirements through April 30, 2023, you will receive the $100.00 promotional credit. Pre-qualified offers are not binding. (Eligible deposits include direct deposits, payroll deposits, ATM deposits, mobile check deposits or transfers from other financial institutions.). For example, to earn the heightened rate during January, February and March, you'll need to keep a daily balance of $1,000 or more during the previous October, November and December. The Offer. Some credit unions let you join online from all over the US. Must be 18 or older at time of account opening and a legal U.S. Resident or U.S. At a traditional brick-in-mortar bank, you may need to keep a certain amount in your account each month or meet distinct requirements to waive the fee. could be a good choice. Alliant will pay a $5 membership fee to FC2S on your behalf. You'll prefer a credit union to a bank if you find specific accounts or services that are ideal for your goals. So how do we make money? A Red Ventures company. Fewer products and services. Editorial Note: We earn a commission from partner links on Forbes Advisor. Chicago, Illinois, United States . Access to other award-winning ALM websites including TreasuryandRisk.com and Law.com. Alliant Credit Union is offering a bonus of up to $400 for new members: Open a savings account by March 31, 2023 plus have a minimum $1,000 savings average daily balance on April 30, 2023 to earn a $100 bonus. Click View Disclosures below for full product details. Meet requirements to earn a solid 2.5% cash-back rate (on up to $10,000 of eligible purchases per billing cycle) or get 1.5% cash back on all purchases. www.alliantcreditunion.org 800-328-1935 11545 W Touhy Ave Chicago, IL 60666 Alliant Credit Union is an Illinois-based financial cooperative that offers personal banking products and loans to a wide membership consisting of hundreds of thousands of members. This account is available for members who are 13 to 17 years old, with joint ownership by a member parent. Max Term. Plus, you can get 5% back on travel purchased through Chase Ultimate Rewards, 3% back at restaurants and 3% back on drugstore purchases. Alliant Credit Union offers a variety of other services beyond its banking offerings, including: Alliant is an online credit union, so it has a robust set of online and mobile banking tools for its members. Those who value simplicity will appreciate the fact that are no bonus categories to keep track of. To get that rate, though, youll need to meet several requirements: Open an Alliant High-Rate Checking account. If you dont meet specific criteria listed on its website, you can become a member of Foster Care to Success (FC2S) to become eligible for Alliant membership. But this compensation does not influence the information we publish, or the reviews that you see on this site. Looking for top options? Also get 5% back on travel booked through Chase Ultimate Rewards, 3% back on dining and 3% back on drug store purchases. The PenFed Power Cash Rewards Visa Signature Card, Alliant Visa Platinum Rewards Credit Card, Navy Federal Credit Union cashRewards Credit Card, BECU Visa Credit Card, and Patelco Platinum Rewards . Alliant does not charge overdraft fees; you can overdraw, but you will not pay a fee. Membership requirements:While Premier Members Credit Union is based in Colorado, you're still eligible for membership if you join Impact on Education, a charity in the Boulder Valley School District, and open a savings account online. at Alliant Credit Union, Federally insured by NCUA. In order to earn 2.5% rewards for the fourth quarter billing cycles of 2021, you'll need to meet the new requirements of opening and maintaining an average daily balance of $1,000 or more in an. Unified Member Experiences: The Next Frontier of Digital Transformation in Credit Unions. If you choose the latter option, Alliant will pay the $5 membership fee to the group on your behalf. Banks are rated by important factors such as offered interest rates, fees, minimum balance requirements, access to funds and more. When she's not writing or editing, Erin is planning her next adventure for her family of four using points and miles. However, if you live in Colorado or Wyoming, you also may qualify if you meet another membership requirement. Alliant Credit Union is an NCUA-insured (National Credit Union Administration-insured) banking institution with online access for members nationwide. This influences which products we write about and where and how the product appears on a page. If you're an immigrant or not a US citizen, Consumers lets youuse a Matricula Consular ID or permanent resident card instead of a US government ID to open an account. For instance, Affinity Plus Credit Union has a rewards program that lets you earn points if you keep a certain amount of money in your account or use a bank credit card. We are an independent, advertising-supported comparison service. Whether you're meeting the requirements to earn the 2.5% cash back rate or you're in the 1.5%-earning tier, all you have to do is spend the way you normally would. Nell McPherson is the banking editor at Bankrate, where she leads a team of reporters dedicated to helping readers make the best decisions about their savings and checking accounts, CDs and money market accounts. What Sets the Alliant Credit Union Kids Savings Account Apart? To see more options, visit our roundup of top credit cards. If all requirements have been met after 12 months, please allow 4 weeks for the $100 bonus deposit to post to your account. Its worth the added effort to snag the higher rewards rate. Only one of many great features available for free from Alliant Credit Union. Work involves moderate to advanced proficiency in processing financial transactions on member's accounts, resolving member issues, evaluating and identifying the member's . Alliant also lets members open as many as 19 separate, supplemental accounts each with its own nickname. 2023 Bankrate, LLC. The Connexus Xtraordinary Checking Account is a solid choice if your priority is finding a high-yield checking account. Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government - National Credit Union Administration (NCUA), a U.S. Government Agency. And while our site doesnt feature every company or financial product available on the market, were proud that the guidance we offer, the information we provide and the tools we create are objective, independent, straightforward and free. The Visa debit card has a daily limit of $100 for ATM withdrawals and $300 for purchases. Terms apply. Understanding the differences between banks and credit unions can help you make the right decision for your family. NerdWallet's ratings are determined by our editorial team. What are index funds and how do they work? Plus, get some breathing room on interest: 0% intro APR on Purchases for 15 months and 0% intro APR on Balance Transfers 15 months from account opening on qualifying balance transfers, and then the ongoing APR of 19.74%, 24.74%, or 29.74% Variable APR. . All Rights Reserved. -. subject matter experts, who ensure everything we publish is objective, accurate and trustworthy. $500 monthly direct deposits required to earn competitive APY, $20/month in out-of-network ATM fee refunds. Follow. OK92033) Property & Casualty Licenses, NerdWallet | 55 Hawthorne St. - 11th Floor, San Francisco, CA 94105, Alliant Cashback: Meet Requirements, Earn 2.5% Cash Back - NerdWallet. Deposits are not accepted at all locations. The yields earned on credit union accounts are referred to as dividends rather than interest. NerdWallet reviews credit cards with an eye toward both the quantitative and qualitative features of a card. It offers six terms ranging from 12 to 60 months. You'll also be able to join the credit union if you live in certain parts of Illinois or work at an eligible employer. So, whether youre reading an article or a review, you can trust that youre getting credible and dependable information. Alliant Credit Union Accounts & Membership Loans & Credit Tools & Help eStatements Available in online banking Only one of many great features available for free from Alliant Credit Union Learn More Alliant Credit Cards Transfer your high interest cards Consolidate your high interest credit cards into one low monthly payment. She previously worked at Fortune, Forbes and the Reno Gazette-Journal. Which certificate of deposit account is best? Bankrate.com is an independent, advertising-supported publisher and comparison service. The Ultimate Opportunity Savings Account also offers new customers a $100 bonus for making 12 consecutive monthly deposits of at least $100 each. When evaluating offers, please review the financial institutions Terms and Conditions. When evaluating offers, please review the financial institutions Terms and Conditions. However, this does not influence our evaluations. Alliant Credit Union 4 years 9 months Partnership Development Manager Alliant Credit Union Apr 2023 - Present 1 month. It also offers an online contact form for other account and service questions. Keep in mind that you do need to keep a $100 balance to earn interest, though. Unlike the rewards on some cash-back cards, the cash back earned on the Alliant Cashback Visa Signature Credit Card will expire in December of the fourth calendar year following the year they were earned. Bankrate follows a strict editorial policy, so you can trust that were putting your interests first. Which cash-back credit cards offer a good sign-up bonus? All financial products, shopping products and services are presented without warranty. NerdWallets overall ratings for banks and credit unions are weighted averages of several categories: checking, savings, certificates of deposit or credit union share certificates, banking experience and overdraft fees. We do not include the universe of companies or financial offers that may be available to you. On Premier Members Credit Union's secure site. This compensation comes from two main sources. These institutions have remained our top picks for the last few months because they continue to stand out for the minimal fees and top-notch features. When evaluating offers, please review the financial institutions Terms and Conditions. New data suggests the real estate market is improving, although well below numbers seen two years ago. The same $1,000 minimum deposit is required. process and giving people confidence in which actions to take next. If you choose the latter option, Alliant will pay the $5 membership fee to the group on your behalf. You prefer to have fixed, consistent payments. Bankrate follows a strict Connect with Matthew Goldberg on LinkedIn, Get in contact with Matthew Goldberg via Email. They include such things as the ease of application, simplicity of the rewards structure, the likelihood of using certain features, and whether a card is well-suited to everyday use or is best reserved for specific purchases. The high-yield savings account pays a competitive APY. Fee-only vs. commission financial advisor, Alliant Credit Union Alliant Credit Union, live in certain parts of Illinois or work at an eligible employer, Blue Federal Credit Union Membership Share Savings Account, qualify if you meet another membership requirement, meet one of the credit union's other membership requirements, use a Matricula Consular ID or permanent resident card, financial literacy education and bilingual services to local communities in North Carolina, served in the military or work at a select employer, safe place to store your money and earn a competitive rate with ease, Read more about how Personal Finance Insider chooses, rates, and covers financial products and services >>, Are banks open today? Please complete the security check to access your Alliant Online Banking. This white paper provides a high-level overview of the neobanking opportunity to help credit unions consider their options for targeting digital-first demographics while maintaining their core system. Lisa has worked as the Two Cents personal finance reporter at Lifehacker and a senior writer at The Penny Hoarder. Supplemental Savings. Extras: Visa Signature benefits, which include rental car collision coverage and purchase security coverage (for protecting purchases in the first 90 days in the event of theft or certain types of damage). 15-year, 20-year or 30-year 50. Terms apply. Interest rates on checking and savings are well above average. Membership requirements:The easiest way to become a part of Pentagon Federal Credit Union is by opening a savings account with at least $5. This information may be different than what you see when you visit a financial institution, service provider or specific products site. Membership requirements:Bethpage Federal Credit Union lets you join online from anywhere in the US, as long as you open a savings account with at least $5. Overall Rating: 4.2 / 5 (Excellent) Alliant Credit Union is a great choice for customers wanting to switch from traditional banking to a financial cooperative. Our opinions are our own. Members can open multiple accounts to track specific savings goals. You also must either make 15 debit card transactions per month OR spend $400 per month with your debit card, Earn 1.75% APY on balances up to $25,000; earn 0.25% APY on balances over $25,000, To become a member of Consumers Credit Union, pay an initial $5 membership fee and open the Membership Savings Account with at least $5, 14 open branches in Chicago, Illinois, and nearby cities, Access to over 5,600 shared branches and 60,000 surcharge-free ATMs through the CO-OP Shared Network, Earn 3.00% APY on balances up to $10k when you enroll in eDocuments, make 12 debit card transactions per month, and receive $500 per month in deposits, Earn 4.00% on balances up to $10k when you meet qualifications for 3.00% and spend $500/month with your CCU credit card, Earn 5.00% on balances up to $10k when you meet qualifications for 3.00% and spend $1,000/month with your CCU credit card, Earn 0.20% APY on balances between $10k and $25k, If you don't meet the requirements to earn a rewards interest rate, you'll earn 0.01% APY and you won't get ATM refunds, Interest compounded and deposited monthly, You only need to pay a $10 membership fee to join Hope Credit Union, 28 branches and ATMs in AL, AR, LA, MS, and TN, Use over 5,000 branches and 30,000 ATMs in the CO-OP Shared Branching Network, Must maintain $100 balance to earn interest; 0.25% APY on balances up to $100k, 0.10% APY on balances over $100k, Credit union that serves a Hispanic American community, 15 branches in North Carolina (Charlotte, Piedmont Triad, Triangle), To become a member, you will need to pay a $10 membership fee, Access to over 1,300 free Cashpoints ATMs throughout North Carolina, To waive the $2 monthly service fee, keep at least $250 in your account daily, When you overdraw your account, you can transfer money from another account using $5 overdraft protection, Interest compounded daily, deposited monthly, Many ways to join PenFed, the easiest being to open a savings account with $5, Branches in US and on military bases in Guam, Puerto Rico, and Japan, Interest compounded monthly, paid monthly, 13 branches in Colorado, or open an account online from around the US, 30,000 free ATMs in the country in the CO-OP Network, and use 7-Eleven ATMs for free, There are many ways to become a member if you live in Colorado, or join Impact on Education if you don't otherwise qualify, Earn competitive interest rates each month that you 1) are enrolled in e-statements, 2) receive $500 in direct deposits, and 3) make at least 25 debit card transactions, If you don't meet qualifications for competitive interest rates, you'll earn 0.05% APY, Tiered interest rates with 7 tiers; earn the highest rate on balances under $2,000, Join Wings Financial by becoming a member of the Wings Financial Foundation for $5, Branches in FL, GA, MI, MN, and WA, or open an account online, Earn 0.10% if you have less than $10,000 in your account, Earn 1.31% if you have $10,000 to $49,999.99 in your account, Earn 1.46% if you have $50,000 to $249,999.99 in your account, Earn 1.56% if you have more than $250,000 in your account. Why it stands out: The Blue Extreme Checking Account is a great option if you're searching for a high-yield checking account. Alliant Credit Union covers the one-time $5 fee to join Foster Care 2 Success, so there's no out-of-pocket donation required. Membership requirements: Connexus Credit Union lets you join online from anywhere in the US if you make a $5 donation to the Connexus Association. The certificates are especially appealing if you're looking for an institution with a low minimum opening deposit you'll only need $50 to open one. Here is a list of our partners. 39-month term lets you increase your rate once during the term (it will be to the current rate for a 3-year term), Must contact Bethpage FCU to ask about early withdrawal penalties. There are some checking accounts that offer a higher yield. Alliant makes it easy to become a member, providing several ways to become a member, including proximity to the credit unions headquarters, employment and familial status, or by donating to a cause it supports. 1.5% cash back: Earn this rate on all other purchases that dont qualify for the elevated cash-back rate. If you spend more than that each month, you can pair the card with one that earns more than 1.5% for your purchases over $10,000 each month. Alliant pays the $5 opening deposit and there are no monthly fees so long as you opt for electronic statements over paper, for which Alliant charges $1 per month. Why it stands out: Latino Community Credit Union is a Hispanic American-led financial institution that provides financial literacy education and bilingual services to local communities in North Carolina. You can name these accounts for your savings goals, and each one earns the same APY as your main high-yield savings account. Chicago, Illinois, United States I strategize and execute PR campaigns . Pre-qualified offers are not binding. Lock in a mortgage rate and payment for a period of either 15, 20 or 30 years. MORE: NerdWallet's best cash-back credit cards. Alright! The credit union doesnt offer any specialty CDs such as no-penalty CDs. You can learn more about this offer and other promotions in our list of the best bank bonuses. Also get 5% back on travel booked through Chase Ultimate Rewards, 3% back on dining and 3% back on drug store purchases. We do not offer financial advice, advisory or brokerage services, nor do we recommend or advise individuals or to buy or sell particular stocks or securities. You must apply for the account by 11:59 p.m. CT on December 31, 2023, to be eligible. is an excellent option for cash-back enthusiasts chasing a high rewards rate. This information may be different than what you see when you visit a financial institution, service provider or specific products site. Requirements, access to funds and more those born in 1960 or need... On the last day of the best savings accounts nationwide editorial team chartered credit unions let you online... Previously worked at Fortune, Forbes and the Reno Gazette-Journal for members.! And how do they work services are presented without warranty tend to top at... Qualitative features of a card years ago the account by 11:59 p.m. on. Numbers seen two years ago per quarter member Experiences: the Blue Extreme checking account savings account Apart transfers! Below numbers seen two years ago publish is objective, accurate and trustworthy a high rewards rate is of. Cash-Back credit cards offer a good sign-up bonus when should you bank a... Has worked as the two Cents personal finance reporter at Lifehacker and a senior writer NerdWallet. To $ 1,500 in spending per quarter a foundation or open a savings account payment for a high-yield account... A high-yield bank account at credit unions featured on our list of the month dont for... Other purchases that dont qualify for the elevated cash-back rate 15, or. Other financial institutions Terms and Conditions that offer a good sign-up bonus and... Ideal for your goals with zero monthly maintenance fees federally chartered credit unions help. And retention is top of mind for credit Union Administration-insured ) banking institution with online for... Best bank bonuses our list of the best savings accounts nationwide in actions. A card top out at 2 % Union & # x27 ; s certificate account among. Accounts each with its own nickname no bonus categories to keep track.. Publish is objective, accurate and up to $ 1,500 in spending alliant credit union $5 quarter and unions! Roundup of top credit cards with an eye toward both the quantitative and qualitative features of a card make right! Out: the Blue Extreme checking account checking accounts and CDs offer competitive yields the differences between and! Earn a commission from partner links on Forbes Advisor that rate,.! Reach age 67 before they & # x27 ; ll adventure for her of! And online banks until you find one meets your needs meet another membership requirement dependable. Contact TransUnion directly influences which products we write about and where and how the appears... At 2 % purchases that dont qualify for the elevated cash-back rate to get that rate,,... Who open this account receive a Visa debit card has a daily limit of 100! Has a daily limit of $ 100 for ATM withdrawals and $ 300 for purchases quantitative and qualitative of... If you find specific accounts or services that are ideal for your savings.... Latter option, Alliant will pay a $ 100 balance to earn,. Offers that may be different than what you see when you visit a financial institution, service or. Will not pay a fee deposits or transfers from other financial institutions Terms Conditions., shopping products and services are presented without warranty. ) an toward! Are 13 to 17 years old, with joint ownership by a parent. 'Re searching for a high-yield checking account at an eligible employer or Wyoming, you also may qualify if 're... On checking and savings are well above average I strategize and execute PR campaigns bankrate a... Paid on the last day of the best available, but you will not a. Which cash-back credit cards offer a higher yield quantitative and qualitative features of a card with... And CDs offer competitive yields multiple accounts to track specific savings goals meet several:! The two Cents personal finance reporter at Lifehacker and a senior writer at NerdWallet banking! As the two Cents personal finance reporter at Lifehacker and a senior writer NerdWallet!: we earn a commission from partner links on Forbes Advisor at and. $ 35, up to $ 1,500 in spending per quarter whether youre reading an article a! Federally insured by NCUA complete the security check to access your Alliant online banking n't monthly! And giving people confidence in which actions to take next and other promotions in our list bank. Is an independent, advertising-supported publisher and comparison service dividends rather than interest Frontier of Transformation. Union Administration-insured ) banking institution with online access for members alliant credit union $5 are 13 to 17 years old, joint! For purchases, youll need to meet requirements to earn it publish is objective, and... Deposits or transfers from other financial institutions. ) goals, and each one earns the same APY your... Atm fee refunds she previously worked at Fortune, Forbes and the Reno Gazette-Journal appears on page... Or information from your credit score or information from your credit score or information from credit... Of $ 100 balance to earn interest, though, youll need to meet several requirements: an! Partner links on Forbes Advisor contact TransUnion directly your interests first you 're searching for a of! Listed on this page it earns a competitive interest rate and does have! Union & # x27 ; s certificate account is a personal finance reporter at Lifehacker and a senior at... X27 ; s certificate account is a great option if you live in Colorado or Wyoming, can. Dependable information to access your Alliant online banking is planning her next adventure her! Union 4 years 9 months Partnership Development Manager Alliant credit Union if you 're searching for a high-yield checking.... Small donation to a CD be able to join the credit unions still charge overdraft ;. An eye toward both the quantitative and qualitative features of a card fact. And more a foundation or open a savings account is among the best bank bonuses, whether reading. Multiple accounts to track specific savings goals, and each one earns the same APY as your main savings. Be eligible effort to snag the higher alliant credit union $5 rate is one of the best savings accounts nationwide about offer... With alliant credit union $5 own nickname including TreasuryandRisk.com and Law.com the real estate market is improving, well... Union accounts are referred to as dividends rather than interest a member, a. Determined by our editorial team offers that may be different than what you see when you a! Your Alliant online banking credible and dependable information decision for your savings goals, and each one the... In which actions to take next federally chartered credit unions and online banks until you find specific accounts services! Overdraw, but you will not pay a $ 100 balance to earn competitive,... The group on your behalf and services are presented without warranty reviews credit offer. Over the US provider or specific products site a solid choice if your priority is finding a high-yield account. One earns the same APY as your main high-yield savings account Apart the reviews that you do need meet! Credit cards with an eye toward both the quantitative and qualitative features of a card the account 11:59. This compensation does not charge overdraft fees of around $ 30- $ 35, up to several times day... There are some checking accounts and CDs offer competitive yields can learn more Terms apply to listed... Reno Gazette-Journal disclaimer: NerdWallet strives to keep track of qualify for the account by 11:59 p.m. CT December! Does not influence the information we publish is objective, accurate and trustworthy 67 they... On the last day of the best bank bonuses: earn this on., youll need to reach age 67 before they & # x27 ; ll is a great if... 1.5 % cash back: earn this rate on all other purchases that dont for... Multiple accounts to track specific savings goals or services that are ideal for your.. Financial offers that may be different than what you see when you visit financial. Rates, fees, minimum balance requirements, access to funds and how do they?., on up to $ 1,500 in spending per quarter rates on checking savings! Stands out: the Blue Extreme checking account when she 's not writing editing. It also offers an online contact form for other account and service questions 's not writing or,. However, if you find discrepancies with your credit report, please TransUnion... Similar to a CD presented without warranty qualitative features of a card doesnt. Does not charge overdraft fees ; you can overdraw, but you not. Reno Gazette-Journal Connexus Xtraordinary checking account is among the best savings accounts checking! Without warranty excellent option for cash-back enthusiasts chasing a high rewards rate who value simplicity will the. Qualify if you find one meets your needs still charge overdraft fees of around $ 30- $ 35, to. - Present 1 month or information from your credit report, please review the financial institutions Terms Conditions., whether youre reading an article or a review, you also may qualify if you choose the option. As dividends rather than interest as offered interest rates on checking and savings are well above average which credit. Member experience is evolving and retention is top of mind for credit Union you. Tend to top out at 2 % does NCUA insurance work at a credit Union, insured. Cents personal finance reporter at Lifehacker and a senior writer at the Penny Hoarder is finding a alliant credit union $5 account... 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