# Alliant Credit Union

> Alliant Credit Union is a Chicago-based, member-owned financial cooperative offering digital checking, savings, certificates, credit cards and loans across the United States. Founded by United Airlines employees in 1935, it became fully branchless in 2020 and reported 923,396 primary members and $20.27 billion in assets at year-end 2025.

- **Founded:** 1935
- **Headquarters:** Chicago, United States
- **Founders:** A group of United Airlines employees (Founding members)
- **Products:** High-Rate Savings, High-Rate Checking, Jumbo High-Rate Checking, Certificates, Visa Signature Cashback Card
- **Notable:** Reported $543.7 million in member dividends in 2025., 2025 operating expense to average assets ratio: 1.27%., Recognized as Best Overall Credit Union in MONEY’s 2026–27 Best Banks awards, announced October 14, 2026.

## Products & services

- **High-Rate Savings** — Digital savings, with a $100 average daily balance required to earn dividends; up to 19 supplemental savings accounts for individual goals.
- **High-Rate Checking** — Everyday checking without a monthly maintenance fee; dividend eligibility requires electronic statements and a qualifying recurring electronic deposit.
- **Jumbo High-Rate Checking** — Launched June 2026 with tiered yields up to 2.00% APY. Highest-tier eligibility includes eStatements, at least $5,000 monthly direct deposits and a $10,000 average daily balance across qualifying primary deposit shares; terms and yields can change.
- **Certificates** — Term savings certificates with terms from three to 60 months.
- **Visa Signature Cashback Card** — The current public offer advertises unlimited 1.5% cash back, no annual fee and no foreign transaction fee; credit approval and product terms apply.
- **Consumer and home lending** — Auto, Tesla, RV, personal, mortgage and home-equity lending, subject to eligibility and underwriting.
- **Alliant Mobile Banking** — Mobile check deposits, transfers, bill payments, card management, credit-score access and ATM search.
- **Alliant Retirement and Investment Services** — Investment, retirement and estate-planning guidance through a program using LPL Financial; investment products are separate from federally insured deposits.
- **Commercial real estate lending** — Financing for property types including industrial, multifamily, student housing and self-storage.
- **Alliant Journey Home** — Savings and homebuying program launched September 2026 with Neighborhood Intelligence, connecting preparation, search, financing and moving support.

## Achievements

- Reported $543.7 million in member dividends in 2025.
- 2025 operating expense to average assets ratio: 1.27%.
- Recognized as Best Overall Credit Union in MONEY’s 2026–27 Best Banks awards, announced October 14, 2026.

## Latest updates

- **2026-02** — Published 2025 results and its 90th-anniversary review.
- **2026-06** — Launched Jumbo High-Rate Checking with tiered eligibility.
- **2026-09** — Announced Journey Home with Neighborhood Intelligence and an expanded Blend mortgage technology partnership.
- **2026-10** — Announced MONEY’s Best Overall Credit Union recognition on October 14.

## Links

- Website: https://www.alliantcreditunion.org
- LinkedIn: https://www.linkedin.com/company/alliant-credit-union
- Twitter/X: https://twitter.com/AlliantCU
- YouTube: https://www.youtube.com/user/alliantcreditunion
- Facebook: https://www.facebook.com/alliantcreditunion

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Profile page: https://yespress.io/alliant-credit-union
Published by YesPress — https://yespress.io
Last updated: 2026-10-16