When you join Alliant, you are not just an account number. Alliant Credit Union is a not-for-profit financial cooperative, which means that all of its members are also owners. Its members-first philosophy has always served Alliant well. With over 80 years of history and more than $11 billion in assets, Alliant is the largest credit union in Illinois and one of the largest in the nation. Its excellent online, mobile and phone banking services, combined with its full suite of competitive products, make banking simpler for its 450,000 members nationwide.
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Alliant Credit Union Reviews
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2.9
159 reviews
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Alliant Credit Union
Caryn Kambitsis @MamaK125
We’ve been members for over 12 years and have always had good experiences with our accounts. Unfortunately, that all changed when we contacted Alliant last summer for a mortgage refi quote from a local consultant here in Chicago. Initially the loan officer was responsive and informative, making us feel confident in proceeding with the application. Then it all changed- communication all but stopped, getting answers and information was like pulling teeth, every step of the way-took 30+ days to get email replies. We were patient and understood the market was crazy and gave them a lot of slack, but they were absolutely HORRIBLE at communicating the process and managing expectations. After SIX MONTHS of very slow progress, feeling our business did not matter at all, we pulled our application and went with a large lender who was much more professional and responsive - had a great experience, closed within 45 days and with very little effort on our part. We never even received a reply from the loan officer to our email that we were cancelling our application! No call, no email, nothing - they couldn’t have cared less. We are leaving Alliant all together - so disgusted and disappointed in the lack of service. DO NOT USE THEIR MORTGAGE SERVICES!
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Alliant Credit Union
a_bedayo @a_bedayo
Opened an account months ago given competitive rates & ethical practices. HAVE YET to get debit card many calls & emails later.
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Product: Alliant Credit Union Checking
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Alliant Credit Union
Dave Beniquez @sdavid_b
I've had nothing but good things to say about Alliant Credit Union's service and application, until I started having problems with rising food costs during the pandemic. It seems hardly logical that when somebody's bill charges result in non-sufficient funds that you would *charge them for not having money*, and then disable bill pay without notice, but that's exactly what they did. As soon as I noticed, my attempts to set up bill pay at other institutions have been essentially blocked by a limit on external transfers of $250.
There are a couple of other odd things about this credit union as well. Every *week* their online portal and application are unavailable due to "maintenance," I work in IT, but if your system requires weekly maintenance just to keep running, then there is something *wrong* there, especially for a banking institution. It just seems fragile.
I will be switching back to my local credit union and will close out this account as soon as I can. Their little "Account holds" might be legal, but it's still my money. I earned it, and they get to hold it and invest with it at my discretion.
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Product: Alliant Credit Union Checking
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Alliant Credit Union
jwilhoit @jwilhoit
I was a member for over 50 years. Was really good when members managed it back in 60s and 70s. Interest paid on savings "shares" were as high as they could pay because it is not for profit. Things changed when it changed from UAL Employee Credit Union to stockholder Alliant Credit Union along with typical garbage management, all for top people getting or voting themselves huge salaries and expense accounts etc. Now I AM WARNING ALL WHO READ THIS. The credit union has "merged" with Continental CU. Bull, Am suspicious of their definition of "merge". Just like when UAL bought and "merged" with Cont. Their looser management managed to get rid of UAL processes and personnel who did not fit Texas anti-people style. You have already seen savings rates fall, they used to be and could/should be higher than any other bank. After all, they still say they are a not-for-profit bank, all for the members. They closed all branch offices so now you have to call. I will say that all those new hires in ORD that answer are very nice. They are now closing small accounts like for children and dumping the money into gov. abandoned account and you have to get it back. I got out a few months ago. Took my 250k to another bank that is FDIC ins.
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Product: Alliant Credit Union Business Services
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Alliant Credit Union
officialjong @officialjong
I called Alliant on the 11th and asked them to ship me a new debit card after a fraudulent charge appeared. They said it takes 7-10 business days for it to arrive which is long, but not a huge deal. I waited. And I waited. Come to find out- they didn’t actually ship my debit card out until the 19th. Add on another 7-10 business days after that and that’s THREE WEEKS without a debit card. I have BILLS. Unacceptable. Switching banks after 10 years with them
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Product: Alliant Credit Union Checking
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Alliant Credit Union
kbaer801 @kbaer801
I have been trying for over a month to get a lending officer to call me to help me refi my house. I've left at least 5 messages with two people, each promising they would "escalate" it. Not one person - not even the one assigned to me - called me back! Do not waste your time with these guys! What a flipping waste of time!
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Product: Alliant Credit Union Mortgages
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Alliant Credit Union
Peter D @peter100
I echo what Tabby Cat said. On line form looks straight forward for applying for credit card. Submit the form. 5 days go by. Then I get a request for documents, here it is verbatim, including typos: "Please upload a color copy of your driver’s license, social security card and a current utility bill that shows your name and service address. We will also need copies of your 2 most current paystubs and verification of employmen letter. Once those are verified we will pull credit and post the decision." If they wanted all this stuff, should have made it part of application. If this is how things will start out with Alliant, foolish to think it will get better. I will take my business elsewhere.
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Alliant Credit Union
Jessica Jacobsen @jljacobsen
If there were a lower star I would give it. My mother in law had accounts here, after her death they were not only slow and awful to communicate with, they made my husband jump through hoops, call multiple times, re-email, send through certified mail and nothing was good enough. Not only have they STILL not released her funds, they have hung up on a grieving son, not returned calls or allowed us to move on grieve through the holidays. Her accounts at 3 other credit unions have all been resolved - this one is nasty. During a difficult time they showed pure ugliness.
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Product: Alliant Credit Union Checking
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Alliant Credit Union
calebservices @calebservices
I rarely leave a review but Alliant sucks with customer service. Faithfully paid off my loan, and it takes them a week to process.
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Product: Alliant Credit Union Car Loans
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Alliant Credit Union
Tabby Cat @tabbycat
STAY AWAY ***** STAY FAR, FAR AWAY ***** I applied for their 2.5% rebate Visa and was instantly approved. Just one teeny little problem ... they wanted me to become a credit union member first. No problem! said the website. Like an idiot, I believed it. Was I a government employee? A member of this or that community? No? How about we donate five bucks in your name to a charity? Ok. Now ... just a few more things — upload your driver license, utility bill, and social security card. Huh? For a credit union app? First off, you should NEVER give ANYONE your SS card — the one that says right on it NOT TO BE USED FOR ID. But like an idiot, I uploaded the license and bill and a completed W-9 form for the social — the correct form to request. Got an email from a “loan consultant” ignoring everything I’d sent, asking again for the same three items plus now two years’s tax returns, a blood sample, voting ID history and first-born child. I got the dipshit loan consultant on the phone and asked him if he was out of his f*ing mind. He hung up. Tries to reach anyone sane in the organization led to long holds with bad music peppered with occasional COVID excuses. Does any part of this sound like it’s for you?
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Product: Alliant Credit Union Credit Cards
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chuck_rittgers @chuck_rittgers
I was going to transfer 250k and open an account. I am to old to be able to put up with that kind of service. Its to bad the company could not fix this complaint. I bet there are many more like me that won't take the chance with their hard earned money in a company run like this.
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+45 users submitted a rating without writing a full review
The starting credit limit for the Alliant Cashback Visa Signature card is $10,000. That's the amount everyone who's approved for the card is guaranteed to get.
In time, you could qualify for a credit limit increase by always paying your bills in full by their due date and by improving your credit score and income.
The Alliant Credit Union Visa Signature card mainly uses the TransUnion credit bureau for approval. But this doesn't mean it can't pull your report from the other major credit bureaus Experian and Equifax.
When it comes to reporting your financial activity, this card reports to all three major credit bureaus on a monthly basis.
You can pay your mortgage with the Alliant Credit Union Visa Signature card if your mortgage lender accepts credit card payments, but they usually don't.
While there are some third-party services that might help with this matter, it always involves some fees and it isn't really recommended.
Making a mortgage payment with a credit card will also increase your credit utilization ratio and hurt your credit in the long run.
You can link your Alliant Credit Union checking account to your PayPal account. Your PayPal account links directly to your Alliant checking account. Simply log in to PayPal and follow the instructions there.
