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Alliant Credit Union CD Rates for 2024

Review Updated
Kailey Hagen
Author: Kailey Hagen
Kailey Hagen
Kailey Hagen
Writer

Kailey Hagen has been writing about small businesses and finance for almost 10 years. Articles she's written for The Motley Fool have been syndicated to USA Today, MSN, and Yahoo! Finance. She specializes in personal and business bank accounts and software for small to medium-size businesses. She lives on what's almost a farm in northern Wisconsin with her husband and three dogs.

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Many or all of the products here are from our partners that compensate us. It’s how we make money. But our editorial integrity ensures that our product ratings are not influenced by compensation. Terms may apply to offers listed on this page. APY = Annual Percentage Yield. APYs are subject to change at any time without notice.

Alliant Credit Union CD rates offer competitive rates across a variety of terms. Those who hope to grow their wealth over time without risking it in the stock market may want to take a closer look at Alliant Credit Union CDs.

To help you decide if they're right for you, we'll check out the latest Alliant Credit Union CD rates and more in the review below.

Alliant Credit Union CDs for 2024

Rates as of Dec. 18, 2024

APY = Annual Percentage Yield

Offer image for Alliant CD
Alliant CD
Bottom Line

Alliant offers CD rates across common terms that stack up well with other banks on this list. The credit union's rates hold up better than most though over the longer terms, so for savers interested in locking in rates for multiple years, Alliant could be a good home for your money. Note that the minimum of $1,000 is on the higher end for this list.

MINIMUM DEPOSIT $1,000
6 Mo. APY 1 Yr. APY 1.5 Yr. APY 2 Yr. APY 3 Yr. APY 4 Yr. APY 5 Yr. APY
4.45% 4.50% 4.25% 4.00% 3.80% 3.65% 3.65%

Is a high-yield savings account a better option for you?

A high-interest savings account offers rates competitive with the best CDs accounts, but without having to lock your money away for months or even years at a time. Here are some top-rated high-yield savings account options from our experts.

Account APY Promotion Next Steps
3.80%
Rate info Circle with letter I in it. 3.80% annual percentage yield as of December 27, 2024. Terms apply.
Min. to earn: $0
N/A
Open Account for American Express® High Yield Savings

On American Express's Secure Website.

up to 4.00%²
Rate info Circle with letter I in it. You can earn the maximum APY by having Direct Deposit (no minimum amount required) or by making $5,000 or more in Qualifying Deposits every 30 days. See SoFi Checking and Savings rate sheet at: https://www.sofi.com/legal/banking-rate-sheet.
Min. to earn: $0
New customers can earn up to a $300 bonus with qualifying direct deposits!¹
3.80%
Rate info Circle with letter I in it. See Capital One website for most up-to-date rates. Advertised Annual Percentage Yield (APY) is variable and accurate as of Dec. 6, 2024. Rates are subject to change at any time before or after account opening.
Min. to earn: $0
N/A

Compare Alliant Credit Union CD rates

Alliant Credit Union's certificate of deposit (CD) rates are pretty competitive, especially for shorter term lengths. Here's a closer look at how they stack up to some of the credit union's top competitors.

Rates as of Dec. 18, 2024
Bank & CD Offer APY Term Min. Deposit Next Steps
APY: 4.00% Term: 1 Year Min. Deposit:  $0
Open Account for Discover® Bank CD

On Discover Bank's Secure Website.

Member FDIC.
APY: 4.25% Term: 10 Months Min. Deposit:  $2,500
Open Account for

On Secure Website.

Member FDIC.
APY: 4.25% Term: 6 Months Min. Deposit:  $500
Open Account for

On Secure Website.

Alliant Credit Union CD review

Alliant Credit Union offers a single type of standard CD, which it refers to simply as certificates. Here's a closer look at them.

Alliant Credit Union Certificates

Pros

  • Variety of term lengths
  • Competitive rates, especially on short-term CDs
  • Funds are FDIC insured
  • Dividend Withdrawal option

Cons

  • Minimum deposit is steeper than some of its competitors

Alliant Credit Union offers all major CD term lengths, with options ranging from three months to five years. Rates on all accounts are in line with what many competitors offer. CD laddering is a possibility for those interested in this, but only for those who are able to spare a few thousand dollars to comply with the $1,000 minimum opening deposit requirement.

Other Alliant Credit Union CD accounts

Alliant Credit Union also offers the following types of CD accounts:

  • Jumbo CDs
  • Traditional IRA CD
  • Roth IRA CD
  • SEP IRA CD

Bottom line: Alliant Credit Union CD rates

Alliant CD
  • 6 APY: 4.45%
  • 12 APY: 4.50%
  • 18 APY: 4.25%
  • 24 APY: 4.00%
  • 36 APY: 3.80%
  • 48 APY: 3.65%
  • 60 APY: 3.65%
Show All Rates [+] Hide All Rates [-]
Rates as of Dec. 18, 2024

APY = Annual Percentage Yield

Term
Alliant CD
6 Mo.
1 Yr.
1.5 Yr.
2 Yr.
3 Yr.
4 Yr.
5 Yr.
4.45%
4.50%
4.25%
4.00%
3.80%
3.65%
3.65%

Keep reading about Alliant Credit Union:

Our CDs methodology

At Motley Fool Money, certificates of deposit (CDs) are rated on a scale of one to five stars, primarily focusing on annual percentage yield (APY) and early withdrawal penalty fees. Our highest-rated CDs generally include competitive APYs without complex qualification tiers, low withdrawal fees, reliable brand trust and reputation, and ease of use.

Learn more about how Motley Fool Money rates bank accounts.

FAQs

  • Alliant Credit Union CDs are a good fit for those with at least $1,000 to spare who hope to earn a competitive rate on their funds. Term lengths range from three months to five years, so there are plenty of options to suit all sorts of timelines.

  • Alliant Credit Union CDs offer competitive rates and they also have a Dividend Withdrawal option. This is rare and it enables you to access the dividends you've earned before the end of the CD term. You can also choose to reinvest the dividends to earn even more in interest.

  • Alliant Credit Union CDs could be a good investment if you don't plan to use your money for the length of the CD term. There are options as short as three months for those who aren't comfortable locking their money away for years.