Earn big with a certificate

Tired of big bank certificate rates that earn almost nothing? Try the alternative — an Alliant Credit Union Certificate that gives you the returns you deserve. 

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The Run Down
  • Low minimum deposit of only $1,000; no maximum57
  • Jumbo certificates may be available for a higher rate if you deposit $75,000 or more57
  • Choose from a variety of maturity dates including 12-month and 60-month terms57
  • Dividends compounded every month and at maturity57
  • Funds are insured up to $250,000 by NCUA
5.10 %
APY 57
4.98 %
As High As

View All Certificates Rates

A savings account to help you win

Unlock the power of savings with no maximum balance limit requirements and no monthly fees if you select eStatements.

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See what you could be earning

Enter your Opening Deposit

Term APY Earnings
Share Certificate 3-month 4.25/ $1,000‒$74,999
Jumbo Share Certificate 3-month 4.25/ $75,000+
Share Certificate 6-month 5.00/ $1,000‒$74,999
Jumbo Share Certificate 6-month 5.00/ $75,000+
Share Certificate 12-month 5.05/ $1,000‒$74,999
Jumbo Share Certificate 12-month 5.10/ $75,000+
Share Certificate 18-month 4.50/ $1,000‒$74,999
Jumbo Share Certificate 18-month 4.55/ $75,000+
Share Certificate 24-month 4.30/ $1,000‒$74,999
Jumbo Share Certificate 24-month 4.40/ $75,000+
Share Certificate 36-month 4.15/ $1,000‒$74,999
Jumbo Share Certificate 36-month 4.25/ $75,000+
Share Certificate 48-month 4.00/ $1,000‒$74,999
Jumbo Share Certificate 48-month 4.05/ $75,000+
Share Certificate 60-month 4.00/ $1,000‒$74,999
Jumbo Share Certificate 60-month 4.05/ $75,000+

This calculator and the estimates shown are intended for illustrative and informational purposes only and may not apply to your individual circumstances. The calculations shown assume that principal and dividends remain on deposit for the duration of the certificate term. Any transfers or monthly withdrawals will reduce earnings. Actual dividends earned will depend on the certificate term, amount deposited, and rate at the time of opening a certificate. Earnings estimates may not be completely accurate due to rounding during the calculations. This calculator does not constitute a guaranteed financial outcome and is not intended to provide investment advice. Please seek advice from qualified professionals regarding all personal finance issues.


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New to Certificates? 

Do you have an extra $1,000+ that you won't need to use soon? A certificate could be the perfect way to use your money knowing you'll be earning a great interest rate. An Alliant Credit Union Certificate gives you an even better interest rate on your money than you would get in a low-rate savings account. Certificates are often referred to as CDs, non-liquid accounts, or time deposits. A certificate is a very safe investment.


What are jumbo certificates?

We may pay you even more if you open a certificate for $75,000 or more (aka a “jumbo” certificate).57


A Variety of Terms

Alliant Certificates offer great dividend rates on the timetable you set as you plan for life's big moments. (If you need to withdraw your funds before the maturity date, you can do so, but you may incur an early withdrawal penalty.)

Certificate ladders

Use our different certificates to generate even more savings by creating a certificate ladder. You can learn more about certificate ladders on our blog, the Alliant Money Mentor.

Dividend Withdrawals

The Dividend Withdrawal option lets you receive an interest payment each month rather than earning compounded interest. There is no penalty for dividend withdrawals, but they reduce earnings (because interest doesn't compound). Also, if you opt for dividend withdrawals and close a certificate before it matures, the early withdrawal penalty (normally deducted from earnings) is withdrawn from your principal instead, as earnings have already been paid to you.


Is it the right time for you to open a certificate?

Take a minute to learn what they are, how they earn interest, and how to open one.



Compare Certificates

Please note: In order to open a traditional IRA, Roth IRA, or SEP IRA certificate, you must open the respective account type first. Call an Alliant investments expert at 800-328-1935 to open an IRA certificate.



Rate up to 5.10% APY
Consider If

You don’t need access to your funds immediately, and you’d like to increase your investment returns

Rate up to 5.10% APY
Consider If

You are saving for retirement with before-tax money

Rate up to 5.10% APY
Consider If

You are saving for retirement with after-tax money

Rate up to 5.10% APY
Consider If

You are self-employed and saving for retirement


Alliant Credit Union Certificate Rates

Term Dividend Rate(%) / APY(%)
3-month 4.17 / 4.25
3-month jumbo($75000+) 4.17 / 4.25
6-month 4.89 / 5.00
6-month jumbo($75000+) 4.89 / 5.00
12-month 4.94 / 5.05
12-month jumbo($75000+) 4.98 / 5.10
18-month 4.41 / 4.50
18-month jumbo($75000+) 4.46 / 4.55
24-month 4.22 / 4.30
24-month ($75000+) 4.31 / 4.40
36-month 4.07 / 4.15
36-month jumbo($75000+) 4.17 / 4.25
48-month 3.93 / 4.00
48-month jumbo($75000+) 3.98 / 4.05
60-month 3.93 / 4.00
60-month jumbo($75000+) 3.98 / 4.05

Certificate FAQs

How can I open a certificate?

For your convenience, we offer several easy ways to open an Alliant certificate. If you're already an Alliant member, just log in to online banking, select Open a New Account in the left sidebar and follow the prompts. If you're not yet a member, simply select Certificates from the list of account types in the online Alliant membership application. Certificates can also be opened with personal assistance from a Member Care Representative by calling 800-328-1935. Note: Certificate accounts cannot be opened through our automated phone banking service. Individual Retirement Account (IRA) certificates can't be opened through online banking.

What is the minimum deposit needed to establish a certificate?

The minimum deposit amount needed to open a certificate is $1,000. The minimum deposit amount needed to open a jumbo certificate is $75,000.

Can I change the type or term of my certificate after it is opened?

No. You cannot change the type or term of a certificate after it has been opened. Changes to the type or term can only be made at maturity.

Is there a penalty if I close my Alliant certificate early?

If you withdraw funds from an Alliant certificate before the maturity date, you may incur an early withdrawal penalty, per the table below.

Term of Certificate Early Withdrawal Penalty
(days of dividends lost)
17 months or less Number of days the certificate is open, up to 90 days 
18-23 months Number of days the certificate is open, up to 120 days
24-48 or 60 months Number of days the certificate is open, up to 180 days
During 7-day grace period for new certificates 7 days (no dividends are earned). A penalty will be applied from the principal balance.
When will dividends post to certificates?

Dividends will post to the certificate on the last day of every month and at maturity. Dividends earned on your certificate will appear on your monthly statement. You can also verify dividends earned on your certificate through online banking or through our 24-hour automated phone service.

Are joint owners or beneficiaries allowed on certificates?

Yes. You can have both joint owners or beneficiaries on your Alliant Certificate. To add a joint owner or beneficiary to your certificate account, print and complete an Account Ownership Delete/Add form or Beneficiary Delete/Add form.

Do I need to have an Alliant IRA to be eligible to open an IRA certificate?

Yes. You must have or establish an IRA with Alliant prior to opening an IRA certificate. Additionally, the type of certificate must coincide with the type of IRA. For example, if you have a Roth IRA, you can only open a Roth Certificate. IRA certificates cannot be opened under a trust account. Please note: Individual Retirement Account (IRA) Certificates can't be opened through online banking. To open an IRA certificate, call 800-328-1935 between 8:30 a.m. and 5:00 p.m. Monday through Friday.  

Are there any exceptions to the certificate early withdrawal penalty?

At our discretion, we may allow withdrawals from the account before maturity without imposing an early withdrawal penalty under one of the following circumstances:

  • When the account owner dies or is determined legally incompetent by a court or other body of competent jurisdiction.
  • When the account is an individual retirement account (IRA) and any portion is paid within 7 days after the establishment of the IRA; or the account owner becomes disabled; or when the account is an IRA and the owner attains age 72.
  • When the account owner has elected the monthly dividend payment option, no early withdrawal penalties will be imposed on the dividend withdrawal. However, this option does effect the APY and will reduce earnings.

Tax laws are subject to change. Contact a tax professional for more details.

Are my account funds insured to protect me from loss?

Alliant deposit accounts are federally insured up to $250,000 by the NCUA. To learn the details of funds coverage, visit the NCUA page on the Alliant website

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