If you’ve heard “credit union” and thought “I’m not eligible,” think again.
Join Today
Best Online Banks 2025 - Best Credit Union
WSJ
Best Credit Unions 2026 - Best for no-fee checking
CNBC
Best Credit Unions 2026
NerdWallet
Alliant is a great deal different from conventional financial institutions. Here’s how:
Our High-Rate Savings account pays 15x the bank industry average. Get a higher rate on your money with only a $100 minimum balance. 63,71
As a fully digital credit union, we keep our operating costs low and reward our members through low loan rates and other benefits.
Instead of adding on sneaky fees and charges, we focus on giving back more to our members through better rates, credit card perks, and more.
We put our 900,000+ members at the center of everything we do.
Founded in 1935, we have a long history of putting our members first. From accessible financial pros to strong products and award-winning customer service, we’re focused on you and your financial wellness.
As a fully online credit union, Alliant makes banking accessible wherever our members live, work or travel. Our customer care center based in the U.S. provides live support. We also offer access to more than 80,000 fee-free ATMs across the U.S.
Through the Alliant Credit Union Foundation, we donate dollars and time throughout the year to organizations to bring digital access and financial literacy to communities.
Don’t wait to be wowed, it’s quick and easy to apply for membership, which is always free. No dues, no charges, no catches. Ever.
Join through your employer, another member, or through the Alliant Credit Union Foundation.
We’ll ask for some personal details. Have your Social Security number or ITIN and driver’s license ready.
Every member automatically gets a High-Rate Savings account. And any product you choose has low or no fees, 24/7 digital access, and great member service. Have your existing bank account details ready so you can fund your new Alliant account right away.
Unlike big banks, no hidden charges to chip away at your savings.
Low minimum deposit. Terms between 3 to 60 months.57
Rewarding high-yield account. Bundled with complimentary High-Rate Savings.
Personalized investment, retirement, and estate planning.
Variety of terms and down payment options. Backed by a team of experts.
Use for all types of large planned and unplanned expenses.
Visa® Platinum or Cashback Signature. Low rates, no annual fees, unique benefits.
Discounted rates on your online car loan when you use our car buying service.
Learn about why everyone is eligible to apply to join Alliant Credit Union and how membership pays.
You’ll need your Social Security number and some basic personal information to apply. We may ask for additional details to verify your identity, so it’s helpful to have a driver’s license or other unexpired, government‑issued photo ID handy.
No, Alliant doesn’t conduct credit checks on checking account applications.
Yes, your deposits in your Alliant accounts are federally insured by the National Credit Union Administration (NCUA). No member of a federally insured credit union has ever lost one penny of insured savings. For more details, visit our NCUA page.
You are eligible to apply for Alliant membership if you:
If none of the above apply to you, select “Other: Join Alliant Credit Union Foundation” during the member application process and we’ll pay the one-time $5 membership fee on your behalf.
Note for non-US residents: You can apply to join if you live outside the U.S. and have a Social Security Number or a valid ITIN (Individual Taxpayer Identification Number).
No, there are no membership fees at Alliant.
No, we are a digital credit union. If you need to talk to a human, chat with us in the Alliant mobile app or online banking, or give us a call at 800-328-1935. If you need to deposit or withdraw cash, we have more than 80,000 ATMs in our network.
You are leaving an Alliant Credit Union website and are about to enter a website operated by a third-party, independent from Alliant Credit Union. Alliant Credit Union does not manage the operation or content of the website you are about to enter. Alliant Credit Union is not responsible for the content and does not provide any products or services at this third-party website. The privacy and security policies of the site may differ from those of Alliant Credit Union.
You are leaving Alliant’s website to enter a website hosted by an organization separate from Alliant Credit Union. The products and services on this website are being offered through LPL Financial or its affiliates, which are separate entities from, and not affiliates of, Alliant Credit Union.The privacy and security policies of the site may differ from those of Alliant Credit Union.
