Alliant Credit Union CD Rates for 2025
Written by
Rudri Patel
Edited by
Elizabeth Constantineau
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Alliant Credit Union’s certificate of deposit (CD) rates are relatively high. When paired with an online banking experience designed to make your life easier, many savers can find a lot to like about working with Alliant. Read on to learn the competitive rates offered and the other details attached to Alliant Credit Union CD rates.
Current Alliant Credit Union CD Rates: November 2025
Alliant Credit Union offers several share certificates, which are the credit union’s version of a CD. These include standard share certificates and jumbo share certificates.
The minimum deposit for a standard CD is $1,000 and the minimum deposit for a jumbo CD is $75,000. Here are the rates currently on offer:
| Term | Standard CD APY | Jumbo CD APY |
|---|---|---|
| 3 months | ||
| 6 months | ||
| 12 months | ||
| 18 months | ||
| 2 years | ||
| 3 years | ||
| 4 years | ||
| 5 years |
Types of CDs Offered by Alliant Credit Union
Alliant Credit Union offers two types of CDs. Here are some key points to know:Â
- Standard CDs: These CDs require a $1,000 minimum deposit with terms from three months to five years. The APYs are between to . You can receive an interest payment each month.Â
- Jumbo CDs: Terms are similar with these CDs, but they require a minimum deposit of $75,000. The APYs are higher than standard CDs because of the larger minimum deposit. APYs range from to .Â
Features and Benefits of Alliant Credit Union CDs
When it comes to picking a CD, rates are a top factor. It’s important to look at the other details of the CD, though, like the minimum deposit requirements and early withdrawal penalties. The table below highlights the details of an Alliant Credit Union CD.
| Feature | Details |
|---|---|
| Minimum opening deposit | -$1,000 for the share certificate and IRA certificate -$75,000 for the jumbo share certificate and jumbo IRA certificate |
| Term lengths | 3 to 60 months |
| Compounding schedule | Monthly |
| Early withdrawal penalty | -For terms of 17 months or less, the early withdrawal penalty is equal to the number of days the CD was open, up to 90 days of dividends. -For terms of 18 to 23 months, the early withdrawal penalty is equal to the number of days the CD was open, up to 120 days of dividends. -For terms of 24 to 48 or 60 months, the early withdrawal penalty is equal to the number of days the CD was open, up to 180 days of dividends. |
| Grace period for penalty-free withdrawals after renewal | 7 calendar days |
Pros and Cons of Alliant Credit Union CDs
Every financial product has advantages and disadvantages. Here’s what to know about Alliant Credit Union CDs:
Pros
- Relatively high CD rates: CD rates are between to .
- Varying term lengths: Term lengths vary between three months and five years, offering flexibility.
- FDIC insured: All funds have FDIC insurance.
- Option for jumbo CDs: Individuals with higher balances can take advantage of jumbo CDs.
- Lower early withdrawal penalties: Early withdrawal penalties are relatively low.
Cons
- Higher minimum deposit: To open a CD, you must deposit $1,000 for a standard CD.
- Membership requirement: Must become a member of the credit union.
How Alliant Credit Union CD Rates Compare to Competitors
Alliant Credit Union’s CD rates outperform the national average of 1.68% for a 12-month term and remain competitive with major banks and online institutions.
Here’s how Alliant’s current 1-year CD rate stacks up against other banks:
| Bank or Credit Union | 1-Year APY | Minimum Deposit |
|---|---|---|
| Alliant Credit Union | $1,000 | |
| Chase Bank | Up to | $1,000 |
| BMO Alto | $0Â | |
| Ally Bank | $0 |
Eligibility and Membership Requirements for Alliant Credit Union
To be eligible for a CD at Alliant Credit Union, you must become a member. You are eligible to become a member if you meet one of these criteria:Â
- Current or retired employee from one of the businesses and organizations that Alliant partners within the U.S.
- Domestic partner or immediate family of a current Alliant member
- Live or work in one of the communities near our Corporate Headquarters in Chicago. You can find out here if you qualify.
- If you’re not eligible via one of the options listed above, you can always become a member through the Alliant Credit Union Foundation.
Some membership perks include checking and savings options with no monthly maintenance fees, the opportunity to apply for low-interest auto and home loans, and the chance to apply for credit cards with rewards and low interest rates.Â
Steps To Open a CD Account with Alliant Credit Union
The process of opening an Alliant Credit Union CD starts by becoming a member of the credit union. Once you are a member, you can choose to open a new CD account.Â
Be prepared to provide the following:
- Name
- Social Security number
- Email address
- Physical address
- Date of birth
- Phone number
Also, you’ll need to provide funding account information to open your new CD with at least $1,000 for share certificates or $75,000 for a jumbo CD.
Alternative Savings Products from Alliant Credit Union
CDs aren’t right for everyone. If you want more flexibility, you may want to consider a savings account.
High-Rate Savings
Also known as high-yield savings, Alliant offers a High-Rate Savings account, with a APY that’s currently available on all balances of at least $100.
Unlike a CD, you can use the funds from your savings account at any time without a penalty, which could make it a better choice if you prefer flexible access to your money.
Final Take
Alliant Credit Union’s CDs combine competitive rates, flexible terms and low early withdrawal penalties. If you’re eligible for membership — or can join through the Alliant Credit Union Foundation — opening a CD could be a smart way to strengthen your savings strategy.
Alliant Credit Union CD Rate FAQs
You have questions about CD rates. These are the answers.- What is the minimum deposit for Alliant CDs?
- The minimum deposit is $1,000.
- Can you withdraw money early from a CD?
- Yes, you can withdraw money early from a CD, but it typically incurs an early withdrawal penalty, which varies by bank and CD term. Usually, the penalty is a portion of the interest earned.
- What happens when a CD matures?
- When a CD matures, you typically have a 10-day grace period to either renew the CD, transfer or withdraw funds.
Sarah Sharkey contributed to the reporting for this article.
Rates are subject to change; unless otherwise noted, rates are updated periodically. All other information on accounts is accurate as of Oct. 23, 2025.
Editorial Note: This content is not provided by any entity covered in this article. Any opinions, analyses, reviews, ratings or recommendations expressed in this article are those of the author alone and have not been reviewed, approved or otherwise endorsed by any entity named in this article.
