Earn big with flexible certificates
Tired of big bank certificate rates that earn almost nothing? Try the alternative — an Alliant Credit Union Certificate that gives you the returns you deserve. Pick your maturity date and start earning today!
Tired of big bank certificate rates that earn almost nothing? Try the alternative — an Alliant Credit Union Certificate that gives you the returns you deserve. Pick your maturity date and start earning today!
Do you have an extra $1,000+ that you won't need to use soon? A certificate is the perfect way to use your money knowing you'll be earning top dollar. An Alliant Credit Union Certificate gives you an even better interest rate on your money than you would get in a savings account because we know that the money won’t be withdrawn for an extended period.
Certificates are often referred to as CDs, non-liquid accounts, or time deposits. Almost all banks offer certificates, but with an Alliant Credit Union Certificate, you'll get a rate of return that is far above industry averages.
A certificate is a very safe investment. Even if you need to withdraw the money before you expect, you won’t lose any of the principal that you invested.
You can plan for life's big moments by picking your maturity date from 12 months to 5 years. Alliant Credit Union Certificates offer top market dividend rates on the timetable you set.
Because bigger is better, we'll pay you even more if your certificate is for $25,000 or more (a.k.a. a "jumbo" certificate)!
Use our highly flexible certificates to generate even more savings by creating a certificate ladder.
You can choose to withdraw the dividends earned on the certificate. Dividend withdrawals may reduce earnings, but there are no penalties.
When you open your Alliant Credit Union Certificate, you'll choose a maturity date between 12-60 months. If you need to withdraw funds before the maturity date, you may incur an early withdrawal penalty. You will never lose principal after your certificate has been opened for more than seven days.
1-7 days: 7 days of dividends
For 12-17 month term certificates: dividends earned for the number of days the certificate is open (up to max of 90 days of dividends)
For 18-23 month term certificates: dividends earned for the number of days the certificate is open (up to max of 120 days of dividends)
For 24-60 month term certificates: dividends earned for the number of days the certificate is open (up to max of 180 days of dividends)
There may be exceptions to early withdrawal penalties.
Alternative investment options are also available through the Alliant Retirement and Investment Services Program.31 Contact a representative today to discuss moving your Certificate funds.
Non-deposit investment products and insurance products are not federally insured, involve investment risk, may lose value and are not obligations of or guaranteed by the financial institution.
There are four easy ways to open an Alliant Credit Union Certificate: (Please note Coverdell ESA and IRA accounts cannot be opened through online banking.)
Log in to online banking and select "Open an Account."42
Call us at 800-328-1935 for personal assistance.
Print and mail our certificate application.
Visit us at an Alliant Branch.
We’re always here to help. Call an Alliant investments expert at 800-328-1935. We’ll help guide you towards the perfect credit union certificate for your unique situation. Please Note: In order to open a traditional IRA, Roth IRA, SEP IRA, or Coverdell ESA certificate, you must open the respective account type first. For example, to get a traditional IRA certificate, first you must open a traditional IRA account.
Minimum deposit of $1,000
You don’t need access to your investment for at least 12 months, and you’d like to increase your investment returns
Minimum deposit of $1,000
You are saving for retirement with before-tax money
Minimum deposit of $1,000
You are saving for retirement with after-tax money
Minimum deposit of $1,000
You are self-employed and saving for retirement
Minimum deposit of $1,000
You are saving for a child’s education
| Term | Balance | Dividend Rate(%) / APY(%) |
|---|---|---|
| 12-17 Months | up to $24,999.99 | 1.144 / 1.15 |
| 12-17 Months | up to $24,999.99 | 1.193 / 1.20 |
| 18-23 Months | up to $24,999.99 | 1.193 / 1.20 |
| 18-23 Months | up to $24,999.99 | 1.243 / 1.25 |
| 24-35 Months | up to $24,999.99 | 1.292 / 1.30 |
| 24-35 Months | up to $24,999.99 | 1.342 / 1.35 |
| 36-47 Months | up to $24,999.99 | 1.490 / 1.50 |
| 36-47 Months | up to $24,999.99 | 1.539 / 1.55 |
| 48 Months | up to $24,999.99 | 1.736 / 1.75 |
| 48 Months | up to $24,999.99 | 1.785 / 1.80 |
| 60 Months | up to $24,999.99 | 1.884 / 1.90 |
| 60 Months | up to $24,999.99 | 1.933 / 1.95 |
Let Me Know When Alliant Rates Gets Even Better
View our full fee schedule.41
| eStatements (electronic account statements) | Free |
For your convenience, we offer four easy ways to open a Certificate:
You must have an active Alliant Savings Account or Alliant Trust Account with at least a $5 balance in the account before a Certificate can be opened.
Note: Certificate accounts cannot be opened through our automated phone banking service.
Dividends will post to the certificate monthly, on the last day of the month and at maturity. Dividends earned on your certificate will appear on your monthly statement. You can also verify dividends earned on your certificate through online banking and phone banking, our 24-hour automated phone service.
At our discretion, we may allow withdrawals from the account before maturity without imposing an early withdrawal penalty under one of the following circumstances:
Tax laws are subject to change. Contact a tax professional for more details.
The minimum deposit amount needed to open a certificate is $1,000. The minimum deposit for a jumbo certificate is $25,000.
Yes. You can have both joint owners or beneficiaries on your Alliant Certificate. To add a joint owner or beneficiary to your certificate account, print and complete an Account Ownership Delete/Add form or Beneficiary Delete/Add form.
No. You cannot make a change to the type or term of a certificate after it has been opened. Changes to the type or term can only be made at maturity.
Yes. You must have or establish an IRA with Alliant prior to opening an IRA certificate. Additionally, the type of certificate must coincide with the type of IRA. For example, if you have a Roth IRA, you can only open a Roth Certificate. IRA certificates cannot be opened under a trust account.
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