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NerdWallet's ratings are determined by our editorial team. NerdWallet strives to keep its information accurate and up to date. 5 Stars, Consumers Credit Union Free Rewards Checking Account, 3.75 out of When should you bank with a credit union over a bank? Pre-qualified offers are not binding. Otherwise, it may be a struggle to manage your account. After that, you'll receive cash back rewards of 1.5%. Teen Checking. Alliant Credit Union covers the one-time $5 fee to join Foster Care 2 Success, so there's no out-of-pocket donation required. Peer-to-peer payment options are not offered. When she's not thinking about money, Lisa co-hosts a long-running weekly podcast, Pop Fashion, and is an avid baseball fan. Affinity Plus Federal Credit Union has 26 branches in Minnesota and has additional ways to become a memberif you live or work in the state. You'll also earn. Meet requirements to earn a solid 2.5% cash-back rate (on up to $10,000 of eligible purchases per billing cycle) or get 1.5% cash back on all purchases. Possible to waive the monthly service fee, $30 nonsufficient funds fee for each overdraft transaction that exceeds the 6 monthly limit. Blue Federal Credit Union, NCUA insured. Standard fees apply for non-sufficient funds (NSF) and printing of checks. You're also eligible for membership if you've served in the military or work at a select employer. MORE: Which cash-back credit cards offer a good sign-up bonus? Here is a list of our partners. The account requires a $100. Erin is a credit card and travel rewards expert at NerdWallet. Fee-only vs. commission financial advisor, Alliant Credit Union Alliant Credit Union, live in certain parts of Illinois or work at an eligible employer, Blue Federal Credit Union Membership Share Savings Account, qualify if you meet another membership requirement, meet one of the credit union's other membership requirements, use a Matricula Consular ID or permanent resident card, financial literacy education and bilingual services to local communities in North Carolina, served in the military or work at a select employer, safe place to store your money and earn a competitive rate with ease, Read more about how Personal Finance Insider chooses, rates, and covers financial products and services >>, Are banks open today? Participating ATMs are available at convenience and grocery stores, and even at some banks and credit unions. First, you'll have to join Alliant's credit union before applying for the card, but that's relatively easy to do. Other credit unions restrict membership to people who work for certain companies or live in specific communities. There are no monthly maintenance fees. Many of the credit unions featured have high-yield bank accounts, so if you find an account that matches what you're looking for, you won't feel like you're compromising because there are fewer products and services. Membership requirements:The easiest way to join is by donating $5 to the Blue Foundation and opening the Blue Federal Credit Union Membership Share Savings Account with another $5. is one to consider. New cardholders get an intro APR 0% offer: 0% intro APR for 15 months on purchases and balance transfers, and then the ongoing APR of 19.49%-28.24% Variable APR. . Your financial situation is unique and the products and services we review may not be right for your circumstances. Alliant Credit Union is an online credit union that offers a full range of products and services. Are you sure you want to rest your choices? 3.6 out of 5 stars. You'll prefer a credit union over a traditional bank if you want to earn a higher interest rate. All CDs are insured by the NCUA and require $1,000 to open. No minimum deposit. By clicking Sign up, you agree to receive marketing emails from Insider highly qualified professionals and edited by Also get 5% back on travel booked through Chase Ultimate Rewards, 3% back on dining and 3% back on drug store purchases. 33. An Insider's view of Alliant Credit Union. The yields earned on credit union accounts are referred to as dividends rather than interest. You can redeem rewards for statement credit or as a deposit into an Alliant checking or savings account, although you'll need to have accrued a minimum of $50 in cash-back rewards first. NerdWallet's ratings are determined by our editorial team. Lead Writer/Spokesperson | Banking, checking Accounts, cash Management Accounts. Disclaimer: NerdWallet strives to keep its information accurate and up to date. Snapshot; Why Join Us; 31. Routing Number: 271081528. Its bank accounts have low minimum opening deposits. Plus, you can get 5% back on travel purchased through Chase Ultimate Rewards, 3% back at restaurants and 3% back on drugstore purchases. The savings account options are Regular Savings, Supplemental Savings, Custodial Savings, and Kidz Klub for youngsters under 12 years of age. The scoring formulas take into account multiple data points for each financial product and service. We passed it on to your loan officer. 39-month term lets you increase your rate once during the term (it will be to the current rate for a 3-year term), Must contact Bethpage FCU to ask about early withdrawal penalties. Offer is not transferable and not valid for trusts, UTMAs, IRAs or other tax-exempt accounts. You must have an active savings account or trust account with Alliant to open a CD. Looking for top options? The high-yield savings account pays a competitive APY. Alliants excellent online and mobile banking tools make it a solid option for people who feel comfortable with digital banking. Why it stands out: Wings Financial Credit Union offers high-yield savings and checking accounts. Details Annual Percentage Yield (APY) 0.25% Minimum Deposit Amount $0 Editor's Rating 4.5/5 Pros & Cons Highlights Additional Reading Why it stands. during the previous quarter. . The credit union provides a toll-free 24/7 phone number for issues that need immediate attention. [schema type="organization" orgtype="LocalBusiness" url="https://uat.alliantcu.com/" name="Alliant Credit Union" description="" street="1200 Associates Dr, Suite 102" city="Dubuque" state="IA" postalcode="52002" country="United States" phone="800-928-4328" ], Youth & Internet 1.5% cash back: Earn this rate on all other purchases that dont qualify for the elevated cash-back rate. , which earns 2% back on all purchases 1% when you make your purchase and another 1% when you pay your bill. The account requires a $100 balance to earn the same APY as the High-Rate Savings account. It also has a rewards program that lets you earn points if you keep a certain amount of money in your account or use a bank credit card. Those born in 1960 or later need to reach age 67 before they'll . Click View Disclosures below for full product details. The Alliant Cashback Visa Signature Credit Card is one of just a handful of great cash-back cards that don't charge foreign transaction fees, those annoying 3% fees applied to international purchases. Alliant Credit Union is an NCUA-insured (National Credit Union Administration-insured) banking institution with online access for members nationwide. Other factors, such as our own proprietary website rules and whether a product is offered in your area or at your self-selected credit score range can also impact how and where products appear on this site. Membership requirements: The easiest way to join Affinity Plus Federal Credit Union is to donate $25 to the Affinity Plus Foundation and open a savings account. You can name these accounts for your savings goals, and each one earns the same APY as your main high-yield savings account. We believe everyone should be able to make financial decisions with confidence. Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government - National Credit Union Administration (NCUA), a U.S. Government Agency. The credit union doesnt offer any specialty CDs such as no-penalty CDs. The app allows users to deposit checks, monitor balances and make payments with bill pay. With Alliant, you can apply for membership after making a one-time $5 donation to a nonprofit that supports foster children. To see more options, visit our roundup of. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion directly. Yes. Accounts will be reviewed 12 months from the date of the first transfer/deposit to determine eligibility. When evaluating offers, please review the financial institutions Terms and Conditions. can help you make the right decision for your family. Plus, get some breathing room on interest: 0% intro APR on Purchases for 15 months and 0% intro APR on Balance Transfers 15 months from account opening on qualifying balance transfers, and then the ongoing APR of 19.74%, 24.74%, or 29.74% Variable APR. 271081528. Matthew has been in financial services for more than a decade, in banking and insurance. Which cash-back credit cards offer a good sign-up bonus? Some credit unions offer 24/7 live customer service. Connect with Matthew Goldberg on LinkedIn, Get in contact with Matthew Goldberg via Email. Terms apply. Assistant Assigning Editor | Credit cards, rewards, personal finance. You also might want to choose a credit union if you struggle with traditional banking services or requirements. And while our site doesnt feature every company or financial product available on the market, were proud that the guidance we offer, the information we provide and the tools we create are objective, independent, straightforward and free. Alright! All Rights Reserved. Routing Number. At Bankrate we strive to help you make smarter financial decisions. Alliant Credit Union offers a variety of other services beyond its banking offerings, including: Alliant is an online credit union, so it has a robust set of online and mobile banking tools for its members. Unlike the rewards on some cash-back cards, the cash back earned on the Alliant Cashback Visa Signature Credit Card will expire in December of the fourth calendar year following the year they were earned. Robin is a former credit cards writer for NerdWallet. Your article was successfully shared with the contacts you provided. Alliant offers teen and high-rate checking accounts, neither of which charges a monthly fee. No. It's a high cap, but it's still a cap. Account holders must maintain an average monthly balance of at least $100 to earn interest. But this compensation does not influence the information we publish, or the reviews that you see on this site. Something went wrong. Adhere to and ensure compliance of all business transactions with policy and process of the Bank Secrecy Act. You might be using an unsupported or outdated browser. You must make at least one electronic deposit per month in order to earn dividends on your balance; that deposit can be a direct or payroll deposit, an ATM or mobile deposit or a transfer from another financial institution. This promotion is for new Alliant Credit Union members only. Marcus by Goldman Sachs Online Savings Account. The credit union will gain access to federal grants and tax credits to help serve the underserved. A new national survey released last week by the $18.7 billion Alliant Credit Union in Chicago shows that 42% of Millennials plan to use their tax refund to make student loan or credit card. Bethpage Federal Credit Union, NCUA insured. best banks and credit unions for mobile banking, Alliant was one of the first institutions in a recent wave to announce it would eliminate overdraft fees. You can learn more about this offer and other promotions in our list of. When evaluating offers, please review the financial institutions Terms and Conditions. Account must remain open and in good standing, maintain an average daily minimum balance of $100, and the balance at the end of the 12-calendar-month period must be $1,200 or more in order to receive the $100 bonus deposit. We maintain a firewall between our advertisers and our editorial team. She is also a spokesperson for the banking team, and her expertise has appeared in The New York Times, Vox and Apartment Therapy. How we rate banks, credit unions and other financial service providers, Chanelle Bessette is a personal finance writer at NerdWallet covering banking. Consumers who want high-yield checking and saving rates and a large ATM network. Read more. It earns an unlimited 2% cash back on all purchases. While we adhere to strict What are some social events your company does? Membership requirements:While Premier Members Credit Union is based in Colorado, you're still eligible for membership if you join Impact on Education, a charity in the Boulder Valley School District, and open a savings account online. Alliant offered highly rated mobile apps for Android (4.3) and iOS devices (4.7) during Bankrate's review. Please keep in mind the promotional credit. On the Apple App Store, the app scores 4.7 out of 5. Its worth the added effort to snag the higher rewards rate. She is also a Certified Educator in Personal Finance (CEPF). Happiness rating is 56 out of 100 56. Many or all of the products featured here are from our partners who compensate us. You also must either make 15 debit card transactions per month OR spend $400 per month with your debit card, Earn 1.75% APY on balances up to $25,000; earn 0.25% APY on balances over $25,000, To become a member of Consumers Credit Union, pay an initial $5 membership fee and open the Membership Savings Account with at least $5, 14 open branches in Chicago, Illinois, and nearby cities, Access to over 5,600 shared branches and 60,000 surcharge-free ATMs through the CO-OP Shared Network, Earn 3.00% APY on balances up to $10k when you enroll in eDocuments, make 12 debit card transactions per month, and receive $500 per month in deposits, Earn 4.00% on balances up to $10k when you meet qualifications for 3.00% and spend $500/month with your CCU credit card, Earn 5.00% on balances up to $10k when you meet qualifications for 3.00% and spend $1,000/month with your CCU credit card, Earn 0.20% APY on balances between $10k and $25k, If you don't meet the requirements to earn a rewards interest rate, you'll earn 0.01% APY and you won't get ATM refunds, Interest compounded and deposited monthly, You only need to pay a $10 membership fee to join Hope Credit Union, 28 branches and ATMs in AL, AR, LA, MS, and TN, Use over 5,000 branches and 30,000 ATMs in the CO-OP Shared Branching Network, Must maintain $100 balance to earn interest; 0.25% APY on balances up to $100k, 0.10% APY on balances over $100k, Credit union that serves a Hispanic American community, 15 branches in North Carolina (Charlotte, Piedmont Triad, Triangle), To become a member, you will need to pay a $10 membership fee, Access to over 1,300 free Cashpoints ATMs throughout North Carolina, To waive the $2 monthly service fee, keep at least $250 in your account daily, When you overdraw your account, you can transfer money from another account using $5 overdraft protection, Interest compounded daily, deposited monthly, Many ways to join PenFed, the easiest being to open a savings account with $5, Branches in US and on military bases in Guam, Puerto Rico, and Japan, Interest compounded monthly, paid monthly, 13 branches in Colorado, or open an account online from around the US, 30,000 free ATMs in the country in the CO-OP Network, and use 7-Eleven ATMs for free, There are many ways to become a member if you live in Colorado, or join Impact on Education if you don't otherwise qualify, Earn competitive interest rates each month that you 1) are enrolled in e-statements, 2) receive $500 in direct deposits, and 3) make at least 25 debit card transactions, If you don't meet qualifications for competitive interest rates, you'll earn 0.05% APY, Tiered interest rates with 7 tiers; earn the highest rate on balances under $2,000, Join Wings Financial by becoming a member of the Wings Financial Foundation for $5, Branches in FL, GA, MI, MN, and WA, or open an account online, Earn 0.10% if you have less than $10,000 in your account, Earn 1.31% if you have $10,000 to $49,999.99 in your account, Earn 1.46% if you have $50,000 to $249,999.99 in your account, Earn 1.56% if you have more than $250,000 in your account. In some cases, we receive a commission from our partners; however, our opinions are our own. If you don't live near a branch location, you'll have to be comfortable with online and mobile banking. Why it stands out: Alliant Credit Union Alliant Credit Unionhas high-interest savings and checking accounts with low minimum opening deposits. editorial integrity, In addition to banking services, it provides a range of other products and services, including retirement planning and investment, financial management and budgeting tools. This may influence which products we review and write about (and where those products appear on the site), but it in no way affects our recommendations or advice, which are grounded in thousands of hours of research. Customers who open this account receive a Visa debit card. Higher APY than many brick-and-mortar banks, Only 3 withdrawals with a teller and 3 withdrawals at an ATM each month, No interest earned if your balance is under $100, $15 minimum balance, otherwise your account goes into overdraft. In addition to utilizing online and mobile app support, you can access a network of more than 80,000 ATMs. Let's be realistic: The average Joe or Jane probably doesn't put $10,000 on a single credit card every month, so they wouldn't necessarily be affected by the rewards cap on the Alliant Cashback Visa Signature Credit Card. This checking account offers 0.25% APY without monthly service fees or minimum balance requirements. 3.6. The range of term lengths provide customers the ability to build a CD ladder. To help support our reporting work, and to continue our ability to provide this content for free to our readers, we receive compensation from the companies that advertise on the Forbes Advisor site. Alliant Credit Union lets you manage your credit card and other accounts through its online banking platform as well as its apps for devices that run on Android or iOS. Salaries; 29. It scores 4.2 out of 5 on the Google Play store. Other cards tend to top out at 2%. Here's a list of US bank holidays for 2023, These banks and credit unions allow you to exchange foreign currency at a branch, over the phone, or online, Four reasons why your debit card might be denied even when you have money, How to tell if you can trust a bank or credit union you've never heard of. Membership requirements: If you don't live in North Carolina, you can still apply online by submitting an application and paying a $10 membership fee. Online banks may be online-only, so some might not have any physical locations. Our star ratings serve as a general gauge of how each card compares with others in its class, but star ratings are intended to be just one consideration when a consumer is choosing a credit card. Alliant Credit Union is offering a bonus of up to $400 for new members: Open a savings account by March 31, 2023 plus have a minimum $1,000 savings average daily balance on April 30, 2023 to earn a $100 bonus. The credit union also offers a special savings account for parents who want to teach kids about money management. , and is completely online. The ongoing APR is 12.49%-22.49% Variable APR. But you will have to become a member of Alliant Credit Union to qualify. Alliant's partner charity. You must apply for the account by 11:59 p.m. CT on December 31, 2023, to be eligible. Site is secured using 256-bit SSL encryption. You'll prefer a credit union to a bank if you find specific accounts or services that are ideal for your goals. How much should you contribute to your 401(k)? An Alliant car loan or refi puts you in the driver's seat with great low rates. % cash back on all purchases accurate and up to date we to! On credit union to qualify if you 've served in the military or work at a select employer standard apply. A traditional bank if you find specific accounts or services that are ideal for your circumstances of and... By our editorial team offers a special savings account for parents who want to rest your choices and. As no-penalty CDs live in specific communities convenience and grocery stores, and each one earns the APY. Ratings are determined by our editorial team find specific accounts or services that are ideal for your goals 12 from! Make payments with bill pay can learn more about this offer and other promotions in our of... Credit unions here are from our partners who compensate us how we rate banks, credit unions restrict to... Financial service providers, Chanelle Bessette is a personal finance at 2 % cash back rewards of 1.5...., credit unions restrict membership to people who work for certain companies or live in specific communities you. 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