Credit union · NCUA insured
Alliant Credit Union Savings Rates
Alliant Credit Union’s best savings rate is 3.01% APY on $10,000, with its Emergency Savings. Rates checked October 16, 2026.
How Alliant Credit Union’s savings rates compare
Compared with banks and credit unions nationwide. $10,000, best rate first.
This credit union’s best
Alliant Credit Union
3.01%APY
- Requires
- None
- Earns on $10,000 a year
- $301
Emergency Savings
Top rate
NET Credit Union
6.00%APY
- Requires
- Monthly account activity
- Earns on $10,000 a year
- $600
2nd-highest rate
Westerra Credit Union
6.00%APY
- Requires
- Another account
- Earns on $10,000 a year
- $600
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Jumbo Savings
3.01%APY
No monthly maintenance or service fees. Minimum opening deposit of $25 if opened via open.alliantcreditunion.com or by phone, $0 if opened via paper application, online/mobile banking, or loan application. Tiered rate account where tier qualifies monthly based on average daily balance.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $100Tier 0: Average daily balance less than $100 earns 0.00% APY / no dividend. | 0.00% | — | Tier 0: Average daily balance less than $100 earns 0.00% APY / no dividend. |
| $100 – $100,000Tier 1: Requires maintaining an average daily balance of $100 to $99,999.99 during the monthly dividend period. | 3.01% | $301 | Tier 1: Requires maintaining an average daily balance of $100 to $99,999.99 during the monthly dividend period. |
| $100,000 and upTier 2: Requires maintaining an average daily balance of $100,000 or more during the monthly dividend period. | 3.35% | — | Tier 2: Requires maintaining an average daily balance of $100,000 or more during the monthly dividend period. |
Sources (2)
All captured Oct 16, 2026
Emergency Savings
3.01%APY
Minimum average daily balance of $100 required to earn stated Annual Percentage Yield (APY).
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upRequires an average daily balance of $100 or more. Dividend rate applies to Emergency Savings per footnote 63. Dividends paid on the last day of the month.$100 and up | 3.01% | $301 | Requires an average daily balance of $100 or more. Dividend rate applies to Emergency Savings per footnote 63. Dividends paid on the last day of the month. |
Sources (2)
- alliantcreditunion.org/images/…itProductDisclosures.pdf
- alliantcreditunion.org/bank/high-yield-savings
All captured Sep 17, 2026
High-Rate Savings
3.01%APY
No monthly maintenance fees. Minimum opening deposit of $25 required when opened online via open.alliantcreditunion.com or by phone, or $0 when opened via paper application, online/mobile banking, or loan application. $5 minimum balance to keep account open. Must maintain an average daily balance of $100 or more to earn dividends.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upRequires an average daily balance of $100 or more to earn the stated APY/dividend rate. Dividends are compounded and credited monthly.$100 and up | 3.01% | $301 | Requires an average daily balance of $100 or more to earn the stated APY/dividend rate. Dividends are compounded and credited monthly. |
Sources (3)
- alliantcreditunion.org/images/…itProductDisclosures.pdf
- alliantcreditunion.org/rates
- alliantcreditunion.org/bank/high-yield-savings
All captured Sep 17, 2026
Supplemental Savings
3.01%APY
Allows up to 19 additional named savings accounts for specific savings goals. Can be opened with a $0 balance in Online Banking. Minimum average daily balance $100 to earn stated APY.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upRequires an average daily balance of $100 or more. Dividend rate applies to Supplemental Savings per footnote 63. Dividends paid on the last day of the month.$100 and up | 3.01% | $301 | Requires an average daily balance of $100 or more. Dividend rate applies to Supplemental Savings per footnote 63. Dividends paid on the last day of the month. |
Sources (2)
- alliantcreditunion.org/images/…itProductDisclosures.pdf
- alliantcreditunion.org/bank/high-yield-savings
All captured Sep 17, 2026
Special-purpose accounts
Kids Savings Account
3.01%APY
For kids 12 and younger. Joint owner (parent, grandparent, or guardian) must be an Alliant member. No monthly fees. $0 minimum opening balance required (Alliant provides $5 initial deposit compliments). Must maintain an average daily balance of $100 or more to earn dividends.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upRequires an average daily balance of $100 or more to earn the stated APY/dividend rate. Dividends are paid on the last day of the month.$100 and up | 3.01% | $301 | Requires an average daily balance of $100 or more to earn the stated APY/dividend rate. Dividends are paid on the last day of the month. |
Sources (2)
- alliantcreditunion.org/images/…itProductDisclosures.pdf
- alliantcreditunion.org/bank/kids-savings-accounts
All captured Sep 17, 2026
Traditional, Roth and SEP IRA
3.01%APY
Available to Alliant members. Features no minimum deposit, no maintenance fee, and no fee to transfer in and out of Alliant. Applicable to Traditional, Roth, and SEP IRA savings wrappers. Minimum average daily balance of $100 required to earn stated APY.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upRequires an average daily balance of $100 or more to earn the stated APY/dividend rate. Dividends are paid on the last day of the month.$100 and up | 3.01% | $301 | Requires an average daily balance of $100 or more to earn the stated APY/dividend rate. Dividends are paid on the last day of the month. |
Sources (1)
- alliantcreditunion.org/invest/…dual-retirement-accounts · captured Sep 17, 2026
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.