Credit union · NCUA insured
Alliant Credit Union
A $19.7B credit union, the 11th largest of 4,329, headquartered in Chicago, IL, with 938,005 members. Best rates: CDs 4.35% and savings 3.01% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards.
- CDs—4.35%CD rates →
- Savings—3.35%Savings rates →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Alliant Credit Union
Founded in 1935 as United Airlines Employees' Credit Union by United Airlines employees, Alliant Credit Union is a member-owned financial cooperative headquartered in Chicago, Illinois.
Operating as a digital credit union without physical branches, Alliant serves members nationwide through online, mobile, and phone banking alongside a network of over 80,000 fee-free ATMs.
- Headquarters
- 11545 W Touhy Ave, Chicago, IL 60666
- NCUA charter
- 67955
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live or work in an eligible community near Alliant's Chicago headquarters are eligible for membership.
Employers and groups
- Individuals who work for or retired from a business partner of Alliant are eligible for membership.
Family and household
- Immediate family members or domestic partners of a current Alliant member are eligible for membership.
Other ways
- Applicants who do not meet other criteria can qualify by joining the Alliant Credit Union Foundation, with Alliant paying the $5 membership fee on their behalf.
Cost to join
- Membership application is free with no membership fees, dues, or charges.
Branches
Branches
No public branch offices are listed in the regulator directory.
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 9.17% | 10.86% | 12.59% or more |
| Troubled loans60+ days late | 0.81% | 0.70% | 0.46% or less |
| ProfitabilityReturn on assets | 0.94% | 0.82% | 1.16% or more |
| LendingLoans per $100 deposited | $99 | $88 | — |
- CapitalNet worth ratio9.17%Peers’ middle 10.86% · Top 25% 12.59%+
- Troubled loans60+ days late0.81%Peers’ middle 0.70% · Top 25% ≤0.46%
- ProfitabilityReturn on assets0.94%Peers’ middle 0.82% · Top 25% 1.16%+
- LendingLoans per $100 deposited$99Peers’ middle $88
Compared with the 479 credit unions with $1 billion or more in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Alliant Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.