Alliant Credit Union CD Rates for 2025

Commitment to Our Readers

GOBankingRates' editorial team is committed to bringing you unbiased reviews and information. We use data-driven methodologies to evaluate financial products and services - our reviews and ratings are not influenced by advertisers. You can read more about our editorial guidelines and our products and services review methodology.

20 Years
Helping You Live Richer

Reviewed
by Experts

Trusted by
Millions of Readers

Alliant Credit Union’s certificate of deposit 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: September 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. Take a closer look at the current Alliant Credit Union CD rates below for standard and jumbo CD rates.

Types of CDs Offered by Alliant Credit Union

You may want to think about the type of CD you’d like before investing your funds. Alliant Credit Union offers the following CD options: 

Standard CDs

A standard CD requires a $1,000 minimum deposit with term availability from three months to five years. The APYs are between to . You can receive an interest payment each month. 

Jumbo CDs

A jumbo CD has similar terms as a standard CD, but requires a minimum deposit of $75,000. The APYs are higher than standard CDs because of the larger minimum deposit. APYs range from to . 

Features and Benefits of Alliant Credit Union CDs

When it comes to picking a CD, rates are a critical 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.

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 are between three months and five years
• 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

When compared to the national average of 1.78% for a 12-month CD, Alliant’s APY is undeniably attractive.

The credit union also beats the APYs at most big banks. For example, Chase offers a 12-month CD with up to APY, which is lower than Alliant’s offering. To receive that rate, you must already have a relationship with Chase.

Other banks with a big online presence, like BMO Alto offer competitive rates of APY on six-month CDs and APY on 12-month CDs. Ally Bank offers a rate of APY on six-month CDs and APY on 12-month CDs. 

If you have $1,000 to invest, Alliant Credit Union offers a higher APY than its competitors. However, if you can’t meet the minimum deposit and don’t want to deal with the hassle of membership, BMO Alto offers a competitive rate of with no deposit requirement. 

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: 

• Current or retired employee from one of the businesses and organizations 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. 

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. While there are other ways to join, almost anyone can join by becoming a member of the Alliant Credit Union Foundation. Once you are a member, you can choose to open a new CD account. 

Be prepared to provide the following:

1. Name
2. Social Security number
3. Email address
4. Physical address
5. Date of birth
6. 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

There are alternative savings products that are offered at Alliant Credit Union. You may want to consider the following: 

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.

Money Market Accounts vs. CDs: Which Is Right for You?

Both a money market account and CDs are great tools for saving and growing your money.

Money Market Accounts

Money market accounts appeal to those who need to regularly access their funds and are ideal for people who want a flexible savings tool. Money market interest rates tend to fluctuate, but there is no penalty for withdrawing funds.

CDs

CDs are typically for individuals who want long-term savings with minimal liquidity. The minimum deposits for CDs are usually higher than money market accounts, but the interest rates are generally higher, especially for longer terms. However, be aware that withdrawing before it matures may result in penalties. 

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 Sept. 11, 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.

Share This Article: