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... show more
Eligibility
Find out if you are eligible to join Alliant Credit Union.
Alliant Credit Union Reviews
5
30%
4
13%
3
8%
2
5%
1
44%
2.8
186 reviews
186 reviews
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Alliant Credit Union
RG Gold @rggold
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1 Star Rating
Worthless Credit Union
I have a used truck loan at Marine Credit Union with a 4.9 interest rate, credit cards with PenFed Credit Union. I have been with Alliant Credit Union the longest and its really hard to get approved for anything with good credit. To me they are totally worthless. I'm not sure why anyone does business with them. They say on most website reviews they are horrible but a few give them a great rating . I found out those with the great ratings are getting a commission on you joining. DON'T JOIN, there are so many other really good Credit Unions that really give you quality personal business. I highly recommend looking into PenFed
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Product: Alliant Credit Union Credit Cards
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Alliant Credit Union
Travis @travisagarber
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5 Star Rating
Verified Customer
This card is great and is another step in the right direction for my new rebuilt credit score, I've worked hard to get my credit up and thanks so much for the opportunity Alliant
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Product: Alliant Credit Union Credit Cards
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Alliant Credit Union
raymonpl001 @raymonpl001
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1 Star Rating
This is a horrible credit union, I strongly advise everyone NOT to join. I signed up for a credit card because of the 2.5% cash reward. I have over $1000 in my checking account and a $10000 limit on the credit card. They hold electronic payments from other banks 5-7 business days and freeze your CC account while the payment clears even though my CC balance shows only $5500. I am a heavy user of my CC so I thought this would be a great card since I would get 2.5% cash reward. However, my 'effective' credit limit is closer to $5500 since they float payments for 5-7 days. The CSR wanted to complete a 3-way call between, my other bank and Alliant (on a recorded line!) where I would have to reveal my secure login information for the other bank to the Alliant CSR and have the other bank verify that the payment has cleared. Some security measure! I made the payment on the Alliant website from a bank that was linked (and verified) by Alliant. I have never had a payment returned or a late payment on the CC, I believe that they are doing this to limit how much you can charge on the account to reduce the cash back amount that you can receive. STAY AWAY!!!
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Product: Alliant Credit Union Credit Cards
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Alliant Credit Union
real person @realperson0
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1 Star Rating
against Alliant, NOT recommend, Possible SCAM, Highly UNETHICAL business practice. I was applying their credit card online merely for 2.5% cash back incentive. They pulled my credit report and got my credit score of 790. They provisionally approved credit line of $10,000. At this point, everything is quite a industry standard. However, what happened next is irritating and at last a bizarre. They asked me to upload images of my ID, social security card, and utility bill. I uploaded them. Then they further asked me to upload more documents: "Proof of Income for Primary Applicant (i.e. 2 most recent Paystubs to verify wages or 2 years of Tax Returns if Self Employed)" , and "Verification of Employment Letter for Primary Applicant ". I was upset when I received their message asking these info because what they asked is too much as to industry standard. If they have informed me they would ask these info before the application was started, I would not have done this application and put all my personal info exposed to them which is high risk of misuse. At last, I warned them to delete all my info and not to misuse or resell my info.
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Product: Alliant Credit Union Credit Cards
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Alliant Credit Union
udiverse @udiverse
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1 Star Rating
This bank is great because it has very little to no fees at all. I’ve been using them for a while as my main bank until recently. Here are the main points as to why you should seriously consider NOT banking with them.
Security - They take security very seriously which is a good thing. No complaint there. What I don’t like is how aggressive they are on it at times. I’ve been locked out of my account so many times for “attempting to login too many times.” I’ve logged in a thousand times with the same credentials until one day out of the blue, they will lock you out. Very random. It’s really annoying and the process is a pain.
Customer Service - They advertise the customer service to be the best. It’s a joke. Half the time they don’t know what’s going on. Recently, they locked me out of both my checking accounts by accident due to a miscommunication from their team and left me waiting on them as my bills piled up. It’s seriously been a nightmare. One time, the customer representative literally hung up in the middle of the conversation because she didn’t know how to fix a problem. Extremely unprofessional.
I was a huge fan of this bank and recommended it to everyone because of its multiple savings accounts, free checking accounts, and the ability to deposit cash as an online bank. I regret it. I came from Bank of America and honestly, at least they were helpful when I had problems. It’s been a nightmare with this bank and I really don’t recommend it. Go with Ally or Capital One instead.
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Product: Alliant Credit Union Checking
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Alliant Credit Union
Cole @colet1
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5 Star Rating
Verified Customer
1.5 cash back is great! Alliant credit union has good integrations making it pretty easy to track spending. Their app isn’t amazing itself but it works well enough.
As of July 2021, this card will have changes: $0 annual fee. Tier 1 (applicants with Alliant checking account with at least $1,000 daily balance): current rewards rate on the first $10,000 of purchases per month, and 1.5% back on purchases above $10,000 monthly. Tier 2 (other applicants): 1.5% on all purchases.
Worst card ever, started out fine with a $5,000 limit a couple years ago then out of the blue they just dropped my limit to $500! I paid every bill on-time. No reason for this! I was just getting things turned around after the pandemic that is not even completely over yet! If they did this to me, I wonder how many others? I tried to get them to reconsider and they said no. I said I was cancelling the card and she had the nerve to ask if I wanted to move my savings accounts there. Unbelievable!
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Product: Alliant Credit Union Credit Cards
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Alliant Credit Union
edmund36 @edmund36
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1 Star Rating
Verified Customer
Poor customer service. After receiving my card in 3 days a bill was generated via email. I thought it was a welcome type email. Did not receive a bill in mail, this is how spouse pays bills. Within a 30 day period received a another email bill with late fee plus an interest charge. Also my card was turned off from use! I called them to pay in full, but they would not return the interest penalty. I was told they are paperless, unless you pay addl fee. This was my welcome experience. 2 ebills and shut off card all within a 30 day period? Cancelled account as they are not into customer service at all. Amex for example , is opposite side of the spectrum.
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Product: Alliant Credit Union Credit Cards
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Alliant Credit Union
lancec_19 @lancec_19
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1 Star Rating
Avoid this Credit Union. Horrible Customer Service. Declined for an auto loan due to bad credit with an 820 Fico Score on all three bureaus. Rude agents. Bad customer service. Great place to go to waste time, and waste an inquiry.
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Product: Alliant Credit Union Car Loans
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+49 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.
To apply for an Alliant Credit Union personal loan, visit Alliant's online personal loan page and click the blue "Apply Now" button. Then, if you are already an Alliant Credit Union member click "Log in & Apply." If you are not a member, click "Apply as New Member," where you'll be able to join the credit union after receiving your loan decision. Once you're on the application, agree to the terms and conditions, select "Personal Loan" as the loan type and fill out your personal and financial information when prompted.
It's important to note that you will need to be a member of Alliant Credit Union before you can get the funds for any personal loan you're approved for. The good news is that anyone can join for free.
An excellent credit score is needed to apply for the Alliant Visa Signature credit card. But this doesn't mean that your credit score alone will guarantee your approval. The issuer will also look at your income and debts to decide if you're a good fit for this card.
*Tier One Rewards: Earn 2.5% cash back on your first $10,000 monthly eligible purchases and earn 1.5% cash back on your monthly eligible purchases above $10,000. Terms apply.
Tier One Rewards Terms: In order to be eligible for Tier One Rewards the cardholder must meet the requirements for an Alliant High-Rate Checking account each month of the preceding calendar quarter and maintain an average daily balance of $1,000 or more in their Alliant High-Rate Checking account for the preceding calendar quarter.
If you don’t qualify for Tier One Rewards during a calendar quarter, you will automatically earn Tier Two Rewards – unlimited 1.5% cash back rewards on all qualifying eligible purchases.
The Alliant Cashback Visa® Signature Credit Card's foreign transaction fee is 0%. That makes it an ideal travel companion because you won't be charged extra when using your card in another currency. And for the same reason, it's also a great choice for online purchases from international merchants.
