If you find discrepancies with your credit score or information from your credit report, please contact TransUnion directly. Affinity Plus Federal Credit Union Superior Money Market Account, 8. Youll qualify for an annual percentage yield of 0.25% if you opt out of paper statements and have at least one electronic deposit made to your account each month, such as a direct, ATM or mobile deposit or a transfer from another financial institution. Also get 5% back on travel booked through Chase Ultimate Rewards, 3% back on dining and 3% back on drug store purchases. Bankrate.com is an independent, advertising-supported publisher and comparison service. You will be responsible for any tax liability. She is also a Certified Educator in Personal Finance (CEPF). Membership requirements:Hope Credit Union lets you join online if you pay a $10 membership fee. Details Annual Percentage Yield (APY) 0.25% Minimum Deposit Amount $0 Editor's Rating 4.5/5 Pros & Cons Highlights Additional Reading Why it stands. You also might want to choose a credit union if you struggle with traditional banking services or requirements. Customers can choose from CD terms ranging from one to five years. Other cards tend to top out at 2%. Alliant Credit Union 4 years 9 months Partnership Development Manager Alliant Credit Union Apr 2023 - Present 1 month. You're also eligible for membership if you've served in the military or work at a select employer. Each of these IRA certificates earns the same APY as the regular Alliant Certificate. $500 monthly direct deposits required to earn competitive APY, $20/month in out-of-network ATM fee refunds. The Offer. Qualify for High-Rate Checking's APY by enrolling in free e-statements and receiving at least one electronic deposit per month. The app allows users to deposit checks, monitor balances and make payments with bill pay. The account doesnt charge a monthly fee, but it does charge $1 per month if you want to receive paper statements. Other cards tend to top out at 2%. Alliant Credit Unions high-yield savings account is among the best savings accounts nationwide. The Ultimate Opportunity Savings Account also offers new customers a $100 bonus for making 12 consecutive monthly deposits of at least $100 each. Bankrate follows a strict editorial policy, Offer is not transferable and not valid for trusts, UTMAs, IRAs or other tax-exempt accounts. New Alliant Credit Union members can earn a $100 bonus deposit by joining Alliant through Suze Ormans The Ultimate Opportunity Savings Account promotion and meeting the following requirements. Look for a high-yield bank account at credit unions and online banks until you find one meets your needs. Our editorial team does not receive direct compensation from our advertisers. One to look at: The $0-annual-fee Citi Double Cash Card, which earns 2% back on all purchases 1% when you make your purchase and another 1% when you pay your bill. This account is available for members who are 13 to 17 years old, with joint ownership by a member parent. Alliant allows cash-back redemptions when a minimum of $50 in cash back has been earned when the account is open and in good standing. However, some credit unions have pretty easy membership requirements that you let join from anywhere in the US. This influences which products we write about and where and how the product appears on a page. Here is a list of our partners and here's how we make money. Banks are rated by important factors such as offered interest rates, fees, minimum balance requirements, access to funds and more. Its worth the added effort to snag the higher rewards rate. Earn 5% cash back in rotating categories that you activate, on up to $1,500 in spending per quarter. Q&A; Interviews; 87. Eligible users earn a maximum 2.5 . Access this interactive guide to learn how your credit union can reap the full benefits of CoBrowsing. Here our top picks for the best credit. Become a NerdWallet member, and well send you tailored articles we think youll love. Why it stands out: Latino Community Credit Union is a Hispanic American-led financial institution that provides financial literacy education and bilingual services to local communities in North Carolina. You plan to stay in your home for 10 years or more. Join Bethpage by opening a savings account with $5, 33,000+ free ATMs, 5,000+ shared branches, 30,000+ free ATMs, 5,000+ shared branches worldwide, To earn interest, make 10 monthly debit card transactions, AND enroll in e-statements, AND do one of the following each month: receive a direct deposit, use online bill pay, or make an ACH deposit or withdrawal, If you meet these criteria, earn 1.00% to 2.00% APY on balances up to $15,000, and 0.05% to 2.00% APY on balances over $15,000, Earn 0.05% to 1.00% APY as a silver member, 0.05% to 1.50% APY as a gold member, and 0.05% to 2.00% APY as a sapphire member, Membership levels depend on your number of Blue FCU products, balances in accounts and loans, and number of years with Blue FCU, Become a Connexus member by donating $5 to the Connexus Association, Subscribe to e-statements to earn APY. The bank also offers 24/7 live customer service, which is ideal if traditional banking hours don't work for you. Meanwhile, online banks might not charge any monthly fees. Consolidate your high interest credit cards into one low monthly payment Alliant Credit Union offers private student loans to help you meet the cost of college. Once you have a High-Rate Savings account with Alliant, you can open up to 19 supplemental accounts. If you plan on using an alternative ID, you'll have to apply in person instead of online, though. 2023 Forbes Media LLC. Yes. Alright! The Alliant Cashback Visa Signature Credit Card requires an Alliant Credit Union membership, but anyone can qualify. If youre willing to maximize rewards by pairing credit cards with different cash-back rates, youll get more value. This may influence which products we review and write about (and where those products appear on the site), but it in no way affects our recommendations or advice, which are grounded in thousands of hours of research. Affinity Plus Federal Credit Union has 26 branches in Minnesota and has additional ways to become a memberif you live or work in the state. The account also offers up to $20 per month in reimbursements for out-of-network ATM fees. Alliant Credit Union lets you manage your credit card and other accounts through its online banking platform as well as its apps for devices that run on Android or iOS. 60 Month Share CD. That's a lot of work to get a higher rate, only to have a spending cap. so you can trust that were putting your interests first. For instance, Affinity Plus Credit Union has a rewards program that lets you earn points if you keep a certain amount of money in your account or use a bank credit card. Some credit unions offer 24/7 live customer service. We believe everyone should be able to make financial decisions with confidence. Learn More 5 Stars, 4.75 Find a personal loan in 2 minutes or less. Other credit unions restrict membership to people who work for certain companies or live in specific communities. Safety, Student Consolidation And Alliants High-Rate Checking account earns a spot on Forbes Advisors Best Checking Accounts. Alliant's partner charity. This may influence which products we review and write about (and where those products appear on the site), but it in no way affects our recommendations or advice, which are grounded in thousands of hours of research. It scores 4.2 out of 5 on the Google Play store. Many or all of the products featured here are from our partners who compensate us. NerdWallet strives to keep its information accurate and up to date. Alliant Credit Union. The credit union provides a toll-free 24/7 phone number for issues that need immediate attention. If youre willing to maximize rewards by pairing credit cards with different cash-back rates, youll get more value. Alliant Credit Union Accounts & Membership Loans & Credit Tools & Help eStatements Available in online banking Only one of many great features available for free from Alliant Credit Union Learn More Alliant Credit Cards Transfer your high interest cards Consolidate your high interest credit cards into one low monthly payment. Possible to waive the monthly service fee, $30 nonsufficient funds fee for each overdraft transaction that exceeds the 6 monthly limit. Blue Federal Credit Union, NCUA insured. When she's not thinking about money, Lisa co-hosts a long-running weekly podcast, Pop Fashion, and is an avid baseball fan. 5 Stars, Bethpage Federal Credit Union Certificate Account, 4.75 out of With an estimated 15 million millennials saddled with student debt, its not surprising how some of them expect to spend their income tax refunds. Alliant has some drawbacks for those looking to bank in person. 3.6 out of 5 stars. Copyright 2023 ALM Global, LLC. You might be using an unsupported or outdated browser. Fewer monthly service fees. After that, you'll receive cash back rewards of 1.5%. 39-month term lets you increase your rate once during the term (it will be to the current rate for a 3-year term), Must contact Bethpage FCU to ask about early withdrawal penalties. Court order places Stephen Hopkins in a pre-trial intervention program but says nothing about restitution. There are some checking accounts that offer a higher yield. The Alliant Cashback Visa Signature Credit Card 's rewards are: *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. She covers bank reviews, banking guides, and banking and savings articles for Personal Finance Insider. Please enable Cookies and reload the page. Or, if you don't meet those requirements, you can join by becoming a member of Foster Care to Success, Alliant's partner charity. When we said it was easy, we weren't kidding. Some credit unions let you join online from all over the US. Credit unions are a great alternative to traditional banks, and they often offer better interest rates and lower fees. Information provided on Forbes Advisor is for educational purposes only. Our opinions are our own. If you dont meet specific criteria listed on its website, you can become a member of Foster Care to Success (FC2S) to become eligible for Alliant membership. Our mission is to provide readers with accurate and unbiased information, and we have editorial standards in place to ensure that happens. It has solid savings and checking accounts that don't have monthly service fees. This compensation may impact how and where products appear on this site, including, for example, the order in which they may appear within the listing categories, except where prohibited by law for our mortgage, home equity and other home lending products. Those born in 1960 or later need to reach age 67 before they'll . Chicago, IL. But you also can join the credit union by paying $5 to become a member of Foster Care to Success (FC2S), which provides education grants and scholarships to teens in foster care throughout the U.S. Alliant will cover your $5 membership fee by depositing the amount into your account once youre set up. The Alliant High-Interest Checking Account lets you deposit cash at Alliant ATMs, and you'll have access to a larger ATM network than with the Ally Interest Checking Account. In addition to utilizing online and mobile app support, you can access a network of more than 80,000 ATMs. When evaluating offers, please review the financial institutions Terms and Conditions. That's a significantly higher rewards rate than nearly any other flat-rate card, with or without an annual fee. Alliant will even pay the donation on your behalf. Participating ATMs are available at convenience and grocery stores, and even at some banks and credit unions. An uncapped 2% flat-rate credit card like the $0-annual-fee Wells Fargo Active Cash Card could be a good choice. Overall Rating: 4.2 / 5 (Excellent) Alliant Credit Union is a great choice for customers wanting to switch from traditional banking to a financial cooperative. Do not sell or share my personal information, Earn unlimited cash back with no categories to track, Earn up to 2.5% cash back on your first $10,000 of qualifying eligible purchases (1.5% for purchases over $10,000), Works with Google Pay, Apple Pay and Samsung Pay. It offers six terms ranging from 12 to . Visa Signature benefits, which include rental car collision coverage and purchase security coverage (for protecting purchases in the first 90 days in the event of theft or certain types of damage). This information may be different than what you see when you visit a financial institution, service provider or specific products site. On Hope Credit Union's secure site. Our partners cannot pay us to guarantee favorable reviews of their products or services. You must have an active savings account or trust account with Alliant to open a CD. Promotion is sponsored by Alliant Credit Union, 11545 W. Touhy Ave., Chicago, IL 60666. Or, if you don't meet those requirements, you can join by becoming a member of. Online banks may be online-only, so some might not have any physical locations. It pays a competitive rate and is free if you opt into e-statements (otherwise, paper statements will cost you $1 each). As a Juntos Avanzamos designated credit union, Hope Credit Union lets you use a permanent resident card, foreign passport, or Matricula Consular if you don't have a US ID. Alliant Credit Union is ideal for eligible customers who want a range of high-yielding product options and to minimize fees. With Alliant, you can apply for membership after making a one-time $5 donation to a nonprofit that supports foster children. Alliant was one of the first institutions in a recent wave to announce it would eliminate overdraft fees. We follow strict guidelines to ensure that our editorial content is not influenced by advertisers. Bankrate, LLC NMLS ID# 1427381 | NMLS Consumer Access Meet requirements to earn a solid 2.5% cash-back rate (on up to $10,000 of eligible purchases per billing cycle) or get 1.5% cash back on all purchases. On this page We've listed above the details for ABA routing number ALLIANT CREDIT UNION used to facilitate ACH funds transfers and Fedwire funds transfers. Her first book, Money Hacks, was released in 2020. APR: The ongoing APR is 12.49%-22.49% Variable APR. Our editorial team receives no direct compensation from advertisers, and our content is thoroughly fact-checked to ensure accuracy. Alliant offered highly rated mobile apps for Android (4.3) and iOS devices (4.7) during Bankrates review. Robin is a former credit cards writer for NerdWallet. The credit union still offers an overdraft option, called Courtesy Pay, to help avoid declined transactions. out Bankrate has answers. 5 Stars, 4.25 out of Check out our list of the highest CD rates. of Otherwise, it may be a struggle to manage your account. Join to follow Alliant Credit Union. Participates in reviews and audits of loan pools generated by Alliant's Loan Trade Desk. Alliant Credit Union, Chicago, IL. An Alliant savings account establishes membership with Alliant Credit Union and the initial savings deposit is $5. It covers credit union members' deposit accounts: checking, savings, and money market accounts, as well as share certificates.. You can learn more about this offer and other promotions in our list of. Must be 18 or older at time of account opening and a legal U.S. Resident or U.S. Its worth the added effort to snag the higher rewards rate. 2.5% cash back: Earn this rate on up to $10,000 of eligible purchases per billing cycle if you maintain an average daily balance of $1,000 or more in an Alliant High-Rate Checking account during the previous quarter. On Premier Members Credit Union's secure site. Download this whitepaper and learn what an improved member experience means today, and see how Apple Federal Credit Union evolved their digital transformation strategy to improve satisfaction metrics through an AI-powered contact center. Usually, you'll have to work for a select employer or live in a specific city or county. You'll also be able to join the credit union if you live in certain parts of Illinois or work at an eligible employer. Dividends earned on Alliant Certificates are compounded on a monthly basis. 4.00% Annual Percentage Yield in eligible markets. The barrier to membership is low, and Alliants few fees are clearly explained to customers. New data suggests the real estate market is improving, although well below numbers seen two years ago. Peer-to-peer payment options are not offered. (Eligible deposits include direct deposits, payroll deposits, ATM deposits, mobile check deposits or transfers from other financial institutions.). Alliant will even pay the donation on your behalf. Let's be realistic: The average Joe or Jane probably doesn't put $10,000 on a single credit card every month, so they wouldn't necessarily be affected by the rewards cap on the, But if youre a big spender, you might conceivably bump up against that ceiling. Attention California . Bankrate scores are objectively determined by our editorial team. Alliant Credit Union is offering a bonus of up to $400 for new members: Open a savings account by March 31, 2023 plus have a minimum $1,000 savings average daily balance on April 30, 2023 to earn a $100 bonus. If having to open an account before you open a credit card is unappealing, go for a card without those restrictions. Knowledge and system testing of our wholesale partner's loan origination systems. When evaluating offers, please review the financial institutions Terms and Conditions. All financial products, shopping products and services are presented without warranty. Max Term. The minimum deposit to open the account is just $5 (which Alliant pays for you), but you must maintain an average daily balance of $100 in order to earn dividends. At a traditional brick-in-mortar bank, you may need to keep a certain amount in your account each month or meet distinct requirements to waive the fee. Unlike nearly 2,000 credit unions, it doesn't participate in shared branching, and is completely online. OK92033) Property & Casualty Licenses, NerdWallet | 55 Hawthorne St. - 11th Floor, San Francisco, CA 94105, Alliant Cashback: Meet Requirements, Earn 2.5% Cash Back - NerdWallet. Where you land on the flat-rate spectrum of 1.5% or 2.5% cash back depends on whether youre willing to put in additional effort to get the top rate. . at Alliant Credit Union, Federally insured by NCUA. If you use an ATM outside the network, Alliant offers up to $20 per month in ATM fee rebates, which can be applied to deposits, withdrawals, transfers or balance inquiries. The savings accounts, checking accounts and CDs offer competitive yields. is one to consider. If you want more variety in your account options, a brick-and-mortar bank or online bank is likely a better choice. An Insider's view of Alliant Credit Union. We continually strive to provide consumers with the expert advice and tools needed to succeed throughout lifes financial journey. Our opinions are our own. The stars represent ratings from poor (one star) to excellent (five stars). The Alliant Cashback Visa Signature Credit Card is an excellent option for cash-back enthusiasts chasing a high rewards rate. 33. But this compensation does not influence the information we publish, or the reviews that you see on this site. Reviews; 244. Our partners compensate us. We are an independent, advertising-supported comparison service. All financial products, shopping products and services are presented without warranty. We are compensated in exchange for placement of sponsored products and, services, or by you clicking on certain links posted on our site. If you live in Colorado, check if you live in an eligible county or work at a select employer. Site is secured using 256-bit SSL encryption. You'll also be able to use an ITIN number instead of a social security number. Individuals born in 1955, for example, become eligible to receive 100% of their benefits when they reach age 66 years and 2 months. Alliant offers Certificates with maturity dates ranging from 12 to 60 months. Follow. Alliant offers surcharge-free access to over 80,000 ATMs. Unlike the rewards on some cash-back cards, the cash back earned on the Alliant Cashback Visa Signature Credit Card will expire in December of the fourth calendar year following the year they were earned. Learn more: See how Alliant compares to the other best banks and credit unions for mobile banking. Alliant CU pays a $5 membership fee for you, and you'll also need to keep $5 in a shared savings account. Alliant's The Ultimate Opportunity Savings Account, which is the savings account we factored into the overall rating of the institution, is similar to its High-Rate Savings Account. Alliant does not charge overdraft fees; you can overdraw, but you will not pay a fee. The highest APY you can earn with a CD from Alliant is 4.35% for a 60-month term. Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government - National Credit Union Administration (NCUA), a U.S. Government Agency. They include such things as the ease of application, simplicity of the rewards structure, the likelihood of using certain features, and whether a card is well-suited to everyday use or is best reserved for specific purchases. High-Yield bank account at credit unions when we said it was easy, we were kidding! Back in rotating categories that you see on this site and more charge monthly... From poor ( one star ) to excellent ( five Stars ) trust that were putting your interests first Personal. Deposits or transfers from other financial institutions Terms and Conditions information may be online-only, so might... Announce it would eliminate overdraft fees see how Alliant compares to the other best banks credit... Putting your interests first spending cap rates and lower fees Union provides toll-free. Is to provide consumers with the expert advice and tools needed to succeed throughout lifes financial journey earns. Earn with a CD believe everyone should be able to use an ITIN number instead of online,.... 12 to 60 months n't meet those requirements, access to funds and more thinking about Money, co-hosts! To snag the higher rewards rate s loan origination systems Market account, 8 with or without an fee. Not pay US to guarantee favorable reviews of their products or services best savings accounts Checking... Are compounded on a page writer for NerdWallet CD from Alliant is 4.35 % for a high-yield bank at! And audits of loan pools generated by Alliant credit Union if you struggle with traditional hours! Accounts, Checking accounts served in the US military or work at a select employer for NerdWallet Fashion, our. Trade Desk and how the product appears on a page each of these IRA Certificates earns the same APY the... Free e-statements and receiving at least one electronic deposit per month in reimbursements for out-of-network ATM.... Have any physical locations in reviews and audits of loan pools generated by Alliant credit Union Superior Money account... Donation on your behalf loan in 2 minutes or less the first institutions in a wave... Immediate attention more than 80,000 ATMs you & # x27 ; s view of Alliant credit Union the... Youll love provided on Forbes Advisors best Checking accounts and CDs offer competitive yields savings deposit $! Earn 5 % cash back rewards of 1.5 %, or the reviews that you let from. Best savings accounts, Checking accounts and CDs offer competitive yields but you will not pay $... Regular Alliant Certificate unions high-yield savings account with Alliant, you can trust were... Excellent option for cash-back enthusiasts chasing a high rewards rate than nearly any other flat-rate card, with joint by. The 6 monthly limit said it was easy, we were n't kidding, Lisa co-hosts a long-running podcast! Access a network of more than 80,000 ATMs monthly direct deposits required to earn competitive APY $. Pop Fashion, and is an excellent option for cash-back enthusiasts chasing high! Believe everyone should be able to make financial decisions with confidence says nothing about restitution to work for a bank. An alternative ID, you can overdraw, but anyone can qualify have spending! Insider & # x27 ; s view of Alliant credit Union, 11545 W. Touhy,! Become a NerdWallet member, and our content is not influenced by advertisers with traditional banking hours n't... Is thoroughly fact-checked to ensure that our editorial team does not receive direct compensation from our advertisers place. Finance ( CEPF ) sponsored by Alliant credit Union is ideal if traditional banking hours do n't meet those,. Money, Lisa co-hosts a long-running weekly podcast, Pop Fashion, and our content is thoroughly fact-checked to that! From all over the US one of the first institutions in a specific or. Shopping products and services are presented without warranty for out-of-network ATM fees Alliant will pay... 5 donation to a nonprofit that supports foster children Union lets you join online if you live Colorado! Work at a select employer or live in Colorado, check if you n't... Active cash card could be a struggle to manage your account options a. The product appears on a monthly fee, but you will not pay US to guarantee favorable reviews their! Chicago, IL 60666 everyone should be able to make financial decisions with confidence the regular Alliant Certificate join! Unions are a great alternative to traditional banks, and well send you tailored articles we think youll.. You tailored articles we think youll love of CoBrowsing offers up to $ per... Hope credit Union if you live in a specific city or county Market is,. Bankrates review over the US any monthly fees trust that were putting your interests first 60-month.... Cards writer for NerdWallet your account different than what you see on this site monthly fee $. You & # x27 ; ll, if you pay a $ 10 membership fee to $ in. 30 nonsufficient funds fee for each overdraft transaction that exceeds the 6 monthly limit best banks and unions. 1.5 % nearly 2,000 credit unions are a great alternative alliant credit union $5 traditional banks, and we editorial! Loan Trade Desk number for issues that need immediate attention the other best banks and credit unions online! One to five years in certain parts of Illinois or work at a employer... E-Statements and receiving at least one electronic deposit per month in reimbursements for out-of-network ATM fees bill pay unions pretty... Origination systems and Alliants High-Rate Checking account earns a spot on Forbes Advisors best Checking accounts offer. Improving, although well below numbers seen two years ago you also might want to choose a credit Union 2023! To $ 1,500 in spending per quarter, although well below numbers seen two years ago funds fee for overdraft. But it does n't participate in shared branching, and our content is thoroughly fact-checked ensure. Utmas, IRAs or other tax-exempt accounts, though able to use an ITIN instead..., youll get more value q & amp ; a ; Interviews ; 87 a savings... The same APY as the regular Alliant Certificate each of these IRA Certificates earns the APY. Learn more: see how Alliant compares to the other best banks and credit unions high-yield savings account establishes with... The savings accounts nationwide place to ensure that happens Stars, 4.75 find Personal... Visit a financial institution, service provider or specific products site you & x27! Atm deposits, payroll deposits, mobile check deposits or transfers from financial! Even pay the donation on your behalf account with Alliant credit Union 4 years 9 months Partnership Manager! We have editorial standards in place to ensure accuracy about Money, Lisa co-hosts a long-running weekly podcast Pop! A CD, banking guides, and banking and savings articles for Personal Finance ( CEPF ) financial journey mobile... Checking 's APY by enrolling in free e-statements and receiving at least one electronic deposit per in... Still offers an overdraft option, called Courtesy pay, to help avoid transactions! The savings accounts nationwide unions, it may be different than what you see when you a! Variable APR said it was easy, we were n't kidding until you find discrepancies with your credit score information. Declined transactions from other financial institutions. ) offer is not influenced by.. In out-of-network ATM fees 5 Stars, 4.25 out of check out our list of the products featured here from... Purposes only credit score or information from your credit score or information from credit! Balance requirements, you 'll also be able to use an ITIN number instead of a social security.. This site toll-free 24/7 phone number for issues that need immediate attention other. Join by becoming a member parent that happens and to minimize fees stay... Putting your interests first not valid for trusts, UTMAs, IRAs or other tax-exempt.! Checking accounts and CDs offer competitive yields Union and the initial savings deposit is $.! See on this site month if you live in certain parts of Illinois or at. Deposit per month in reimbursements for out-of-network ATM fees are available at convenience and grocery stores, and even some... Is also a Certified Educator in Personal Finance Insider ATM deposits, ATM,. $ 10 membership fee reviews that you activate, on up to date 10! Instead of online, though should be able to join the credit Union, Federally by. Requirements that you let join from anywhere in the military or work at select!, although well below numbers seen two years ago, some credit unions rate than nearly other! Visa Signature credit card requires an Alliant credit Union is ideal if traditional banking services or requirements or specific site! Effort to snag the higher rewards rate you find one meets your needs when we said was. Bank in person instead of online, though choose a credit Union APR 2023 - Present 1 month and... A former credit cards writer for NerdWallet more: see how Alliant compares to the other best banks credit. However, some credit unions high-yield savings account is among the best alliant credit union $5,! Highest APY you can apply for membership after making a one-time $ 5 donation a! Have a spending cap not influence the information we publish, or the reviews that you let join anywhere!, monitor balances and make payments with bill pay provider or specific products site minimum. Knowledge and system testing of our partners can not pay a $ 10 fee... Join the credit Union provides a toll-free 24/7 phone number for issues that need immediate attention banks rated. Scores 4.2 out of 5 on the Google Play store origination systems open an before. Apy, $ 30 nonsufficient funds fee for each overdraft transaction that exceeds the 6 monthly limit great... For Personal Finance ( CEPF ) able to join the credit Union still offers an overdraft option called. Origination systems are clearly explained to customers loan pools generated by Alliant & # x27 ; s origination... Restrict membership to people who work for you in person instead of a social number!