Alliant Credit Union – Best Overall Credit Union with Competitive APYs on Savings & CDs
Finding a credit union that combines industry‑leading savings rates, versatile certificate terms, and a seamless digital experience can transform your financial life—especially for men over 35 balancing careers, families, and long‑term goals.
Alliant Credit Union stands out as the top credit union overall, offering high‑yield savings APYs, competitive certificate rates, and an award‑winning mobile app—all with no hidden fees.
Competitive APYs on Savings & Certificates
Alliant’s Online Savings Account and Share Certificates (CDs) deliver some of the highest yields in the market:
- High‑Yield Savings Account
- 3.10% APY (as of April 7, 2025) on balances of $100 or more, compounded daily and paid monthly. Alliant Credit Union
- Share Certificates (CDs) for balances of $1,000–$74,999.99: TermDividend RateAPY
- 3 Months3.06%3.10%
- 6 Months4.10%4.10%
- 12–17 Months3.93%4.00%
- 18–23 Months3.74%3.80%
- 24–35 Months3.64%3.70%
- 36–47 Months3.59%3.65%
- 48 Months3.59%3.65%
- 60 Months3.59%3.65%
- Jumbo Share Certificates (balances ≥ $75,000) earn up to 4.05% APY on 12–17 month terms. Alliant Credit Union
These rates far exceed national averages and provide flexible options for short‑ and long‑term savers alike.
Digital‑First Banking & Award‑Winning App
Alliant’s 100% digital model means you access all your accounts—checking, savings, CDs, credit card—through one intuitive platform, without any branch fees.
Key Features of Alliant Mobile Banking:
- Mobile Check Deposit & Bill Pay: Snap checks, schedule or pay bills, and manage payees effortlessly.
- Real‑Time Alerts & Budgeting Tools: Track balances, categorize spending, and set custom notifications.
- Secure Card Controls: Lock/unlock your debit and credit card, set travel notices, and manage PINs.
- FICO® Score Monitoring: Free, unlimited access to your credit score within the app.
This digital toolkit empowers you to integrate credit card management with your broader financial strategy seamlessly. Apple
App Ratings & Downloads
Alliant’s mobile app consistently earns top marks from users:
- Apple App Store: 4.7 out of 5 stars from 8.3K ratings Apple
- Google Play Store: 4.5 out of 5 stars, 9.18K reviews, and 100K+ downloads Android Apps on Google Play
- Availability: United States only, on iOS (version 9.0+) and Android (5.0+). Alliant Credit Union
These ratings reflect Alliant’s ongoing investment in stability, security, and user experience.
Sources:
- Alliant Credit Union High‑Yield Savings & CDs Alliant Credit UnionAlliant Credit Union
- Alliant Mobile Banking App (iOS) Apple
- Alliant Mobile Banking App (Android) Android Apps on Google Play
- Alliant Cashback Visa® Signature Card Alliant Credit Union
- Alliant Visa® Platinum Card Details Alliant Credit UnionAlliant Credit Union
- Alliant Visa® Platinum Rewards Card Details NerdWallet: Finance smarter
- Alliant Credit Union Overview
