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Savings Accounts

Share savings accounts

Share savings accounts have a minimum deposit amount of $5. They earn higher dividends than at most financial institutions. Each qualifying account is matched dollar-to-dollar up to $1000 with Life Savings Insurance on the principal account holder at no cost to the member.

With your savings account:

  • deposits may be made in person, by mail, through payroll deduction or as part of direct deposit.
  • dividends are calculated on the daily balance and paid quarterly.
  • dividends are paid from the date of deposit to the date of withdrawal.

Click here for our current rates.
Click here to open a savings account.

Individual Retirement Account (IRA)

Individual Retirement Account programs offered at ACU are Traditional, Roth and Coverdell Education Savings Accounts. At your direction, deposits are invested in an IRA share savings, or an IRA Certificate of Deposit.

Click below to download our electronic brochures:

IRAs are Federally Insured by the NCUA.

Alliant Credit Union does not provide tax or legal advice. You should contact your tax or legal advisor for advice regarding your situation.

Click here for our current rates.
Click here to open a Traditional, Roth or Coverdell Account.

Certificates of Deposit (CD)

Certificates of Deposit (CD) pay competitive interest rates with terms ranging from 3-60 months.

Interest may be added to the certificate balance, transferred to your share savings account or paid by check.

Rate Change Option
When depositing to certain CDs, members have the option of changing the rate once on that certificate for its remaining term at the rate currently being offered by Alliant Credit Union.

Youth CDs
A special CD is offered to our savers from birth through age 21. They may invest a minimum of $300 in our high yield CDs, compared to the normal minimum deposit of $1,000.

Click here for our current rates.
Click here to open a CD.

Money Market

Alliant Credit Union’s Money Market program offers:
  • Easy access by check or WebTeller
  • No term requirements
  • Monthly income
  • High interest yields
  • Federal insurability through NCUA

Click here for our current rates.
Click here to open a Money Market Account.

Health Savings Accounts*

A Health Savings Account (HSA) gives you more flexibility and control over your health care costs. That’s because it empowers you to make your own health care decisions.

You will be able to deduct your contributions to your HSA, and the account earnings will accumulate on a tax-deferred basis. Best of all, distributions from your HSA are tax-free if they are used for qualified medical expenses.

Click below to download our electronic brochure:

*Consult your tax advisor regarding tax deductibility

Click here for our current rates.
Click here to open a Health Savings Account.

Christmas Club

Christmas Club accounts are an easy way to save for those holiday and vacation expenses that you know will come up. Funds can easily be deposited into your desired account through payroll deduction or direct deposit.

Christmas Club dividends are declared and paid on October 1st of each year.

Click here to open a Christmas Club Account

Savings Bonds

As of December 31, 2011, savings bonds will no longer be sold through any financial institutions or mail-in orders. Members must purchase electronic savings bonds online through TreasuryDirect at www.treasurydirect.gov.

Existing paper savings bonds are valid issues of the Treasury Department and will earn interest for 30 years from the issue date or until redeemed. You can redeem paper bonds at most local financial institutions, including Alliant Credit Union.

You can also convert your paper savings bonds to electronic savings bonds in TreasuryDirect using a program called SmartExchange. There’s no charge to convert paper bonds. No earned interest will be lost and the bonds will keep their original issue date and current interest rate terms.
 

 
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