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
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30%
4
15%
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7%
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5%
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43%
2.8
178 reviews
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Alliant Credit Union
Louis V @Bitholov
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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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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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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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Alliant Credit Union
JeShell Bernardez @jeshellab
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The absolute worst credit union ever! The customer service is so bad and they employees are SO RUDE!! My boyfriend called and they asked him a question and I answered in the background and the agent had the nerve to say “can you tell her to be quiet while I’m talking to you” I was soooo livid. Cancelled mine, his, and our daughters accounts that same day.
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Product: Alliant Credit Union Checking
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Alliant Credit Union
Anel @anelr2k
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Verified Customer
I like the rewards. Wonderful fraud detection. Always contact me when purchases don't look legitimate. Feel very safe banking with Alliant credit union.
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Product: Alliant Credit Union Credit Cards
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Alliant Credit Union
twashburn @twashburn
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This company designs all processes to maximize their interest earning and make it as hard as possible to pay off a loan. 3 days to 'file the ACH cancellation paperwork? Everyone else lets you stop that immediately. Can't do a one time payment if signed up for auto payment? Only your local loan shark would put that in there. Ask 3 different agents how a given system works? 2 different answers. And, at the end, not their problem and you have to pay them interest even when the delay in getting them payment is the reasons above. Run, don't walk, away!!
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Product: Alliant Credit Union Car Loans
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Alliant Credit Union
robert_79811 @robert_79811
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Customer service is incredibly poor. They're supposed to be a credit union with a focus on serving their members, but instead they have some of the most stringent policies of any institution that I've dealt with. You'll get far better service and attentiveness from most other financial institutions. I had high hopes for working with them and was left highly disappointed.
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Product: Alliant Credit Union Credit Cards
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Alliant Credit Union
Mike Catherwood @mike_c
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This card has a great 2.5% cash back, though you have to spend >$4000 before you cover the annual fee. Downside is the complete lack of customer service. They appear to outsource the card management and basically take no responsibility for handling any service related issues. So good luck if you ever have a problem that needs an actual live person to resolve (which is not even an option when you call in but '0' works) - you'll be on hold for an eternity! Oh, and their call-back option simply does not work.
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Product: Alliant Credit Union Credit Cards
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Alliant Credit Union
Tinak Klaus @tinak123
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Their record keeping is pretty bad and there are unnecessary charges. Alliant is not very helpful when you try to call them. Zero customer service
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Product: Alliant Credit Union Personal Loans
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+47 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 offers 2.5% cash back with no categories to track for up to $10,000 spent in qualifying purchases/billing cycle. After the first $10,000 spent, qualifying purchases will earn you 1.5% cash back.
Tier Two (for those who don't qualify for Tier One during a calendar quarter) offers unlimited 1.5% cash back on all qualifying purchases.
To qualify for Tier One Rewards, you must have an Alliant High-Rate Checking account and keep an average daily balance of at least $1,000 in it.
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.
