Credit union · NCUA insured
Alliant Credit Union CD Rates
Alliant Credit Union’s best CD rate is 4.35% APY on a 1-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Alliant Credit Union’s CD rates compare
Compared with banks and credit unions nationwide. $10,000, best rate first.
This credit union’s best
Alliant Credit Union
4.30%APY
- Term
- 12–17 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- —
Certificate
Top rate
SouthPoint Financial Credit Union
9.00%APY
- Term
- 9 months
- Requires
- None
- Minimum
- —
- Earns on $10,000
- $668
2nd-highest rate
802 Credit Union
8.02%APY
- Term
- 5 months
- Requires
- Another account
- Minimum
- $500
- Earns on $10,000
- $327
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Certificate
Up to 4.30%APY · 8 terms
Must be an Alliant Credit Union member. Dividends compound monthly and are paid on the last day of the month and at maturity. Early withdrawal penalty applies to principal withdrawals. No additional deposits allowed after opening. A Jumbo Certificate with balance falling below $75,000 converts to a Regular Certificate.
| Term | APY · $1,000 – $75,000 | APY · $75,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 3–5 months | 3.10% | — | 3.10% | $77 |
| 3–5 monthsJumbo Share Certificate tier | — | 3.10% | —3.10% from $75k | — |
| 6–11 months | 3.60% | — | 3.60% | $178 |
| 6–11 monthsJumbo Share Certificate tier | — | 3.60% | —3.60% from $75k | — |
| 12–17 months | 4.30% | — | 4.30% | $430 |
| 12–17 monthsJumbo Share Certificate tier | — | 4.35% | —4.35% from $75k | — |
| 18–23 months | 3.60% | — | 3.60% | $545 |
| 18–23 monthsJumbo Share Certificate tier | — | 3.65% | —3.65% from $75k | — |
| 24–35 months | 3.60% | — | 3.60% | $733 |
| 24–35 monthsJumbo Share Certificate tier | — | 3.70% | —3.70% from $75k | — |
| 36–47 months | 3.60% | — | 3.60% | $1,119 |
| 36–47 monthsJumbo Share Certificate tier | — | 3.70% | —3.70% from $75k | — |
| 48 months | 3.65% | — | 3.65% | $1,542 |
| 48 monthsJumbo Share Certificate tier | — | 3.70% | —3.70% from $75k | — |
| 60 months | 3.65% | — | 3.65% | $1,963 |
| 60 monthsJumbo Share Certificate tier | — | 3.70% | —3.70% from $75k | — |
Sources (3)
- alliantcreditunion.org
- alliantcreditunion.org/bank/credit-union-certificate
- alliantcreditunion.org/rates
All captured Oct 16, 2026
Special-purpose accounts
IRA Certificate
Up to 4.30%APY · 8 terms
Must be an Alliant Credit Union member and have or establish an Alliant IRA (Traditional, Roth, or SEP). Monthly dividend withdrawals are not eligible if owner is under age 59 1/2. Early withdrawal penalty applies, with exceptions such as death, disability, or IRA RMD at age 73.
| Term | APY · $1,000 – $75,000 | APY · $75,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 3–5 months | 3.10% | — | 3.10% | $77 |
| 3–5 monthsJumbo IRA Certificate tier | — | 3.10% | —3.10% from $75k | — |
| 6–11 months | 3.60% | — | 3.60% | $178 |
| 6–11 monthsJumbo IRA Certificate tier | — | 3.60% | —3.60% from $75k | — |
| 12–17 months | 4.30% | — | 4.30% | $430 |
| 12–17 monthsJumbo IRA Certificate tier | — | 4.35% | —4.35% from $75k | — |
| 18–23 months | 3.60% | — | 3.60% | $545 |
| 18–23 monthsJumbo IRA Certificate tier | — | 3.65% | —3.65% from $75k | — |
| 24–35 months | 3.60% | — | 3.60% | $733 |
| 24–35 monthsJumbo IRA Certificate tier | — | 3.70% | —3.70% from $75k | — |
| 36–47 months | 3.60% | — | 3.60% | $1,119 |
| 36–47 monthsJumbo IRA Certificate tier | — | 3.70% | —3.70% from $75k | — |
| 48 months | 3.65% | — | 3.65% | $1,542 |
| 48 monthsJumbo IRA Certificate tier | — | 3.70% | —3.70% from $75k | — |
| 60 months | 3.65% | — | 3.65% | $1,963 |
| 60 monthsJumbo IRA Certificate tier | — | 3.70% | —3.70% from $75k | — |
Who can join Alliant Credit Union
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.
Membership information collected October 5, 2026.