High-Rate Savings Account with 3.10% APY63

Save bigger, save better with rates 15x the bank industry average.71

★★★★★

Best Savings Account

WSJ

★★★★★

2023 Best Savings Account

Annuity.org

★★★★★

2024 Best Credit Union

BankRate

High-Rate Savings Account Features

Take advantage of a better rate

Earn our best interest rate on your money—15 times the bank industry average—with only a $100 minimum balance.63,71

Say goodbye to hidden fees

Unlike with big banks, you’ll pay no hidden charges, no monthly fees or other sneaky ways to chip away at your earnings.

Save where you come first, not shareholders

Alliant can reward its members with high savings rates and fewer fees because we’re 100% digital and not-for-profit.

More wins, less worry when you bank with Alliant

Early Payday

Reduce the time to receive your paycheck or Social Security check by up to two days.

Meeting goals made easier

Open up to 19 supplemental savings accounts for free to track each of your savings goals with the same great rate.

80,000+ in-network ATMs nationwide

Enjoy the convenience and peace of mind of knowing you're never far from your money when you need it.

Kids savings account with same high rate

Teach kids 12 and younger about money-easy way to open savings account for a grandchild.

24/7 state-of-the-art fraud monitoring

Receive alerts via text message, email or mobile app to keep you informed when there's unusual account activity.

NCUA insured

Rest easy knowing the funds in your Alliant deposit accounts are federally insured up to $250,000.

On-the-go money management from the go-to digital credit union

Bank on your terms! Access, move and track your money easily 24/7 with our award winning mobile and online banking.

  • Move money from accounts outside Alliant effortlessly.
  • Deposit checks anytime, from virtually anywhere, with the Alliant mobile app.
  • No need to plan an extra trip, with our fee-free ATM locator, we're already on your route.59
  • Fill out your online application from your smartphone or laptop anytime, which includes funding your account.
  • Once your application is approved, setup recurring transfers via Alliant mobile app or online banking.

Only have a minute?

See why high-rate or high-yield savings accounts can help you save faster than traditional savings accounts.

Articles and Resources

Account rate

Account Type APY Dividend Rate
High-Rate Savings 3.10% 3.06%

With an average daily balance of $100 or more. APY= Annual Percentage Yield.63 

FAQs

Do I have to maintain a minimum balance to have a savings account or to earn interest?

The minimum balance to keep your savings account open is $5. To earn interest, you must maintain a daily average minimum balance of $100. Alliant interest is paid monthly.

Do I have a mobile deposit limit?

Your current mobile deposit limit will appear below the amount field once you select an account. Your deposit limits can vary depending on your eligible accounts. For more information, tap the note icon at the bottom of the deposit screen.

How do I find an ATM in the Alliant network?

You can quickly access Alliant’s massive network of fee free ATMs by visiting our website. Find an ATM here.

Through Alliant’s ATM network, you can easily make deposits (not available at all ATMs), withdraw funds, and check account balances. To help you avoid pesky fees that other banks may charge, we offer rebates for fees charged at ATMs that are out of the network (up to $20 per month for checking account holders). With our huge network and ATM rebates, you can be confident there is an ATM near you, wherever you happen to be.

What is an Alliant Savings ATM Card?

An Alliant Savings ATM Card is an EMV chip card that can be used at ATMs to give you access to the funds in your Alliant Savings Account. Alliant Savings ATM cards are issued only to members who do not have an Alliant checking account debit card. Please refer to our Alliant Savings ATM Card frequently asked questions.

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