Located in CA, CO, IL, TX, & VA, becoming a member at Alliant Credit Union (Branch Locator) is available to anyone! The easiest way to join a credit union is through your employer. Luckily, Alliant has much more flexible requirements to become a member. The list here in this subreddit sidebar has many different banks listed not just one. Alliant Credit Union Customer Service. Press question mark to learn the rest of the keyboard shortcuts. Our Alliant Review. You are leaving Alliant’s website to enter a website hosted by an organization separate from Alliant Credit Union. When we said it was easy, we weren't kidding. They have no cap on daily overdrafts. Credit Unions are more restrictive than banks like Ally, although it is slight, there is a chance you'll be denied, Most people are not going to hear about a bank that's worth slightly over 10% of Ally's deposits, Most people don't reccomend the Ally credit card, They likely spend nowhere near the amount of money on marketing that ally does. ... Their iOS app has 5 out of 5 stars, which is rare for most banking and credit union apps. The products and services on this website are being offered through LPL Financial or its affiliates, which are separate entities from, and not affiliates of, Alliant Credit Union.The privacy and security policies of the site may differ from those of Alliant Credit Union. You can qualify for Alliant Credit Union with a $5 donation to a qualifying charity. It offers a standard range of banking products, including personal bank accounts, credit cards and investment instruments. Any thoughts? Other offerings include credit cards, loans and investment services. In fact, their requirements are lenient enough for anyone to join. Either way "you do you" and let Jimmy do Jimmy. The Alliant Credit Union Foundation also matches employee donations made to non-religious, non-political 501(c)(3) organizations up to a total of $200 per person per calendar year. No no penalty CDs. How can you become a member? Join our community, read the PF Wiki, and get on top of your finances! Not everything shows on paper). Alliant Credit Union. This is absolutely a non-issue. You can also use US Bank ATM's to deposit for Alliant. Join our community, read the PF Wiki, and get on top of your finances! Close Continue × You're interested. Alliant Credit Union is an Illinois-based financial cooperative that offers personal banking products and loans to a wide membership consisting of hundreds of thousands of members. Here’s how to join a credit union. Ally has a more modern website and mobile app. This comment is useless to everyone but you, and that's kind of frustrating given that you have a unique and valuable perspective (someone who uses both banks in question). Credit unions are well-known for fees and rates that beat the banks. As I mentioned in the previous post, anyone can join Alliant Credit Union by joining a PTA or by donating $10 to Orphan Foundation of America. 243 reviews of Alliant Credit Union - Temp. No idea why US Bank worked, but it did. I recently financed my car loan from here and had a great experience. I don’t have any such restriction with at Ally. The products and services on this website are being offered through LPL Financial or its affiliates, which are separate entities from, and not affiliates of, Alliant Credit Union.The privacy and security policies of the site may differ from those of Alliant Credit Union. When you join Alliant, you are not just an account number. Ally has a sweet app/website, compared to my janky credit union app. The products and services on this website are being offered through LPL Financial or its affiliates, which are separate entities from, and not affiliates of, Alliant Credit Union.The privacy and security policies of the site may differ from those of Alliant Credit Union. Alliant – Best for High-Interest Rate Seekers. Find out more to see if this convenient online credit union is for you and if you are eligible of the credit union's advantages. Alliant has several ways to contact its customer service department. We passed it on to your loan officer. Close. August 2016 edited November -1 in Model X. Hi all, I love the model X so much for my wife that I am going to buy another one for me. I'm a US expat living in South Korea, and have Alliant checking/savings accounts. Our members-first philosophy has always served us well. If they make a check payable to me from their US bank, the issue is I can't sign it unless they mail it to me (which removes the free/easy part). In contrast, Ally allows $150k push and $250k/pull. When compiling the list of best credit unions, the requirements to join had to be universal. hami05_98054189. As a credit union, it’s a nonprofit financial institution that’s owned by its members. It's a pretty marginal difference rate wise and perhaps he just like Ally better for himself. I'm trying to see if there's any other easy/free method I have overlooked, but don't think so. Alliant Credit Union’s Jumbo CDs work the same as its regular CDs, with one exception: you need a much larger deposit — at least $25,000 — to open these accounts. We provide up to 6 weeks of parental leave for the primary caretaker. When I went hunting through the side bar, I didn't find any resources for banks, opening bank accounts, or joining credit unions. Hi everyone. Approval typically happens automatically online, when the application is completed. My credit score is 780, what type of rate can I get on one that's $105,000? Had only been a member for about a month when they approved me for the loan, where I had been denied with other credit unions and lenders for the same thing. Everything you need and not all the BS you'll never use. It's decent, a lot less buggy than my last CU's app but there are definitely some room for UI improvements (e.g. There are a lot of bad reviews on yelp and nerdwallet, however, so I'd be interested in hearing feedback.It definitely seems that the reviews are very polarized, and I'm tempted to think that people with bad experiences are much more likely to leave a review than those with good. A far better alternative than dealing with the large conglomerate banks e.g. I believe I read that the check really needs to be signed by hand, and not a digital signature as you can do with a pdf. The products and services on this website are being offered through LPL Financial or its affiliates, which are separate entities from, and not affiliates of, Alliant Credit Union.The privacy and security policies of the site may differ from those of Alliant Credit Union. Alternatively, you can download, complete, and mail us a joint account membership form. Alternatively, you can reach Alliant by sending a message through your online account or contact them via their online form. Alliant Credit Union is a not-for-profit financial cooperative, which means that all of our members are also owners. Learn about budgeting, saving, getting out of debt, credit, investing, and retirement planning. We may provide links to third party sites, independent from Alliant Credit Union. 0 « 1 2 » Go. Child Care & Parental Leave Benefits. Once approved, Alliant will automatically add the joint owner to the account. I know risk profiles are different but Alliant has been good to me. Alright! Alliant Credit Union is a great credit union for civilians and qualifying members to join! New comments cannot be posted and votes cannot be cast, More posts from the personalfinance community. It's a $200m revenue bank compared to ally's 10 billion. That's awesome! It's usually just someone's personal preference. And while it's located in Illinois, anyone can join, no matter where they live. Proceeds from Alliant support students through our through our Care Package and Red Scarf Emergency Fund programs.. Alliant boasts better than bank rates on savings and loans, 24/7 member services, and of course, an impressive record of community involvement. Editor’s Note: For more credit unions that you can join from anywhere, see our list of Credit Unions You Can Join From Anywhere. I'm wondering if there is any way to utilize the free and easy online check deposit feature with Alliant when my parents want to gift me money for holidays/birthdays/etc. The credit union offers depository banking products, retirement and investing services, and various types of mortgage and personal loans. Below is all the information and details you need to fulfill your Alliant Credit Union Membership!. Alliant will be contacting the joint owner through email to do so. The only major downsides are: No free paper checks after the first 100. You may also be able to look at credit unions based on your job. I don't use ATMs with it either but that sounds like a good perk. Ally’s mobile app also has a second card control app that you can use to disable your debit card, restrict transactions amounts and types of transactions as well as region lock purchases to only occur near your smart phone, in case your card gets stolen. Alliant Credit Union does not manage the operation or content of the website you are about to enter. Community credit unions will have a finger on the financial pulse of your area, so they’ll have products and services that fit the area. Comments. If you’re having trouble accessing your Alliant login or signing in, you can always visit a bank branch or call customer service at 800-328-1935. I opened my first Ally account a few days ago for the $100k /1% bonus offer. For most credit unions, the requirements are “live, work, or worship,” meaning you reside, work, or are apart of a group in the same town as the credit union. What are some good banks or credit unions to join? It also offers its customers online and mobile banking options. Press question mark to learn the rest of the keyboard shortcuts, https://old.reddit.com/r/personalfinance/wiki/banks_and_credit_unions. Alliant Credit Union FB Twitter Instagram. Better free credit card (unlimited 2% back), comparable savings account with 1.9% interest rates, better checking interest rates at 0.65%, and you can use virtually any ATM for withdrawals and deposits and get fees reimbursed. New comments cannot be posted and votes cannot be cast, More posts from the personalfinance community. This is largely negated by electronic bill payment or using Alliant’s fee bill pay to have them mail paper checks. I also don’t cross link external accounts with each other, that way if I get hacked, the hacker can only drain that account and any linked external accounts, which is only the hub checking which I only maintain a small balance in order to minimize loss. Okay? also the $20 per month in ATM is nice. kmeyeraa11_98064820. You can withdraw the dividends you’ve earned at any time without paying a penalty, but you will earn less than the stated interest rate if you do so. A group of United Airlines employees founded it in 1935 with the aim of creating a safe place for other employees to get a fair deal on interest rates — its original name was United Airlines Employees’ Credit Union. . August 2016 edited August 2016. Ally is obviously bigger but Alliant still has enough structure to offer a huge no-fee ATM network, a decent mobile app and similar or better rates. There is that small $10 donation you have to make, but I wasn't going to let $10 stop me from making a long term decision. Everyone always seems to recommend banking with ally, but I feel like alliant credit union is better in all aspects. Alliant doesn’t pay me in any way if you join. What this means is that external access can only be initiated from the external account side. You come first at Alliant. Better free credit card (unlimited 2% back), comparable savings account with 1.9% interest rates, better checking interest rates at 0.65%, and you can use virtually any ATM for withdrawals and deposits and get fees reimbursed. The privacy and security policies of the site may differ from those of Alliant Credit Union. The link you clicked will take you away from the Alliant Credit Union website and we have no control over the content of the linked page. It allows me to earn more interest without locking my money up for 12 months or longer at a time. This will be my first time opening up an entirely new bank account, my current BoA account was created back when I was a teenager. Alliant has a larger network of free to use ATMs and cash machines. You are leaving Alliant’s website to enter a website hosted by an organization separate from Alliant Credit Union. I use both Ally and Alliant. You meant to say Alliant has a larger network of ATM's, not Ally. Ally just has great customer service and helped pioneer the modern day online banks and increase overall bank interest rates by staying competitive. Saving. They sent me a card with a broken chip, and haven't sent a replacement yet. In contrast, Ally only uses Allpoint. Alliant Credit Union’s routing number is 271081528. You are leaving Alliant’s website to enter a website hosted by an organization separate from Alliant Credit Union. If you're eligible, and since you were asking about PenFed, you probably are (basically, you need to be a present or former service member, or have an immediate relative who is or was one, or be the immediate family member of a NFCU member who can sponsor you), I'd suggest Navy Federal. The products and services on this website are being offered through LPL Financial or its affiliates, which are separate entities from, and not affiliates of, Alliant Credit Union.The privacy and security policies of the site may differ from those of Alliant Credit Union. Check if Alliant Credit Union is right for you. Everyone always seems to recommend banking with ally, but I feel like alliant credit union is better in all aspects. Furthermore, and to add clarification with the OP’s statement about deposits, Alliant can’t use any ATM to deposit, but if it’s a CO-OP and is able to handle deposits, then yes you can use It to make deposits while you can’t with Ally. Alliant Credit Union is here to keep you in the know on our financial products and services and how to use them to reach your financial goals. Learn about budgeting, saving, getting out of debt, credit, investing, and retirement planning. So for example, Ally and Discover charge either $25 or $30 and cap it at one charge per day. I have used Alliant for several years. With Alliant, if the merchant tries to withdraw multiple times that day, Alliant will charge you $25 each time. I keep some money at my credit union, because they have unbeatable customer service, international branches, and earned my loyalty (which is hard to do. So you can only push $25K/day and pull $100k/day. In the end, I liked the checking interest rate, the credit cards, and the fact that its a credit union so I went with Alliant. The numbers you considered were what i considered back when i was trying to decide on Ally VS alliant. to send you mone, instead of a check. After that, the policies are the same. After more than 80 years in business, Alliant Credit Union is the largest credit union in Illinois and among the largest in the U.S., according to its website. How do I qualify for an Alliant membership? Alliant used to have a dozen or so local branches in California—one nearby me in fact and one of the reasons why I switched to them. Even so, their ability to deposit at other CO-OP ATMs and the higher ATM fee reimbursement level, is why I switched to Alliant from Ally as my main bank. Would you like to continue? On the lending side, the credit union offers student, mortgage, home … Hell you don't even have to bank with a singular bank, I personally bank with 2. Alliant Credit Union is one of the largest credit unions in the country. Press J to jump to the feed. I just joined Alliant a few months ago after frequenting this subreddit for a while and I had definitely perceived them to be considered relative equals. There are several ways you can qualify to be a member of Alliant Credit Union. It would probably be simpler if you could convince them to use Venmo, Zelle, PayPal, etc. They're just a smaller shop that likely doesn't have their thumbs in the same pies as a bigger bank like ally financial. Many local employers have agreements with area credit unions that allow their employees to join. Citibank, Bank of America etc." Alliant is one of the largest credit unions in the United States. You are leaving Alliant’s website to enter a website hosted by an organization separate from Alliant Credit Union. @kmeyeraa11 Omg man congratulations. I'm looking to move to a bank/credit union with higher rates, and Alliant sounds really great in that regard. The membership hurdle is virtually nonexistent, too, so I'd definitely recommend them to anyone. Credit Union Eligibility. I don't know if Alliant would accept them writing "For Deposit Only" in lieu of my signature, and then having them send me a photo of the front/back of the check so I can log in and deposit it (or have them log in for me and do it). Just go for whatever you like. I'd never even heard of it. They straight up locked the use of my card 12 times in these last eight months, but have never once told me why. The next being $0.99 for Western Union bank to bank transfer. At least you could a few yars ago. So if you need a hub account to move large sums, use Ally. Press J to jump to the feed. If it suits your needs its not much concern whom Jimmy John over there banks with. Although Alliant doesn’t reimburse ATM surcharges, there are many free ATMs around me — all ATMs at US Bank branches are free; so is the ATM near the cafeteria at work. When looking for a credit union to join, it’s easy to start with one that’s in your community. I'm a US expat living in South Korea, and have Alliant checking/savings accounts. We also provide 2 weeks of leave for the secondary caretaker. Great rates on checking/savings, use the no annual fee rewards credit card you mentioned, and consolidated other debts into one personal loan that I've aggressively paid down with extra cash flow. That's it. I personally don’t mind this as I intentionally only setup ACH access from my external accounts into my hub checking account. Not everyone will qualify and be able to join, where Ally is much bigger and anyone can join.