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Alliant Credit Union CD Rates for 2024

Kailey Hagen
By: Kailey Hagen

Our Banking Expert

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 our experts’ opinions aren’t 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

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 May 14, 2024
Bank & CD Offer APY Term Min. Deposit Next Steps
APY: 4.70% Term: 1 Year Min. Deposit:  $2,500
APY: 5.05% Term: 1 Year Min. Deposit:  $1
APY: 5.15% Term: 9 Months Min. Deposit:  $1
Member FDIC.
APY: 4.75% Term: 1 Year Min. Deposit:  $500

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


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


  • 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

Bottom line: Alliant Credit Union CD rates

Alliant CD
  • 6 APY: 4.75%
  • 12 APY: 5.15%
  • 18 APY: 4.90%
  • 24 APY: 4.30%
  • 36 APY: 4.20%
  • 48 APY: 4.05%
  • 60 APY: 4.00%
Rates as of May 14, 2024

APY = Annual Percentage Yield

Alliant CD
6 Mo.
1 Yr.
1.5 Yr.
2 Yr.
3 Yr.
4 Yr.
5 Yr.

Keep reading about Alliant Credit Union:

Our CDs methodology

At The Motley Fool Ascent, 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 The Motley Fool Ascent rates bank accounts.


  • 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.

Our Banking Expert