Also get 5% back on travel booked through Chase Ultimate Rewards, 3% back on dining and 3% back on drug store purchases. 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. The credit union provides a toll-free 24/7 phone number for issues that need immediate attention. Why it stands out:Connexus Credit Union pays competitive interest rates on all its accounts. And while our site doesnt feature every company or financial product available on the market, were proud that the guidance we offer, the information we provide and the tools we create are objective, independent, straightforward and free. If you want more variety in your account options, a brick-and-mortar bank or online bank is likely a better choice. subject matter experts, With an estimated 15 million millennials saddled with student debt, its not surprising how some of them expect to spend their income tax refunds. [schema type="organization" orgtype="LocalBusiness" url="https://uat.alliantcu.com/" name="Alliant Credit Union" description="" street="1200 Associates Dr, Suite 102" city="Dubuque" state="IA" postalcode="52002" country="United States" phone="800-928-4328" ], Youth & Internet How much should you contribute to your 401(k)? Alliant Credit Union High-Rate Savings. 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. New cardholders can also get a sign-up bonus: Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months. Direct link to offer (see our verdict, below). Terms apply. Court order places Stephen Hopkins in a pre-trial intervention program but says nothing about restitution. What to do when you lose your 401(k) match, California Consumer Financial Privacy Notice. Past performance is not indicative of future results. Please keep in mind the promotional credit. Alliant Credit Union High-Rate Checking. of Bethpage Federal Credit Union, NCUA insured. That makes it a worthy traveling companion. It's ideal for eligible customers who want a range of high-yield deposit products with minimal fees. An uncapped 2% flat-rate credit card like the. When evaluating offers, please review the financial institutions Terms and Conditions. Deposits are not accepted at all locations. It also offers an online contact form for other account and service questions. Many or all of the products featured here are from our partners who compensate us. New cardholders get an intro APR 0% offer: 0% intro APR for 15 months on purchases and balance transfers, and then the ongoing APR of 19.49%-28.24% Variable APR. Check out NerdWallets best savings accounts. Choose from an overdraft line of credit or sweeping money from savings for free, Does not reimburse any fees charged by out-of-network ATM providers, On Wings Financial Credit Union's website. Membership requirements:Hope Credit Union lets you join online if you pay a $10 membership fee. Alliant offered highly rated mobile apps for Android (4.3) and iOS devices (4.7) during Bankrate's review. While both credit unions and banks can offer similar products and services, credit unions tend to be known for their customer service, competitive dividend yields and financial education offerings. Alright! It covers credit union members' deposit accounts: checking, savings, and money market accounts, as well as share certificates.. Between ages 65 and 67, individuals become eligible to receive 100% of their Social Security benefit. What Sets the Alliant Credit Union Kids Savings Account Apart? However, with online banks, it might be more of a toss-up since interest rates are similar. The content created by our editorial staff is objective, factual, and not influenced by our advertisers. 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. Below are links to some of her most popular stories: Credit unions with easy membership requirements, 1. Check out our list of the highest CD rates. Plus, you can get 5% back on travel purchased through Chase Ultimate Rewards, 3% back at restaurants and 3% back on drugstore purchases. You also must either make 15 debit card transactions per month OR spend $400 per month with your debit card, Earn 1.75% APY on balances up to $25,000; earn 0.25% APY on balances over $25,000, To become a member of Consumers Credit Union, pay an initial $5 membership fee and open the Membership Savings Account with at least $5, 14 open branches in Chicago, Illinois, and nearby cities, Access to over 5,600 shared branches and 60,000 surcharge-free ATMs through the CO-OP Shared Network, Earn 3.00% APY on balances up to $10k when you enroll in eDocuments, make 12 debit card transactions per month, and receive $500 per month in deposits, Earn 4.00% on balances up to $10k when you meet qualifications for 3.00% and spend $500/month with your CCU credit card, Earn 5.00% on balances up to $10k when you meet qualifications for 3.00% and spend $1,000/month with your CCU credit card, Earn 0.20% APY on balances between $10k and $25k, If you don't meet the requirements to earn a rewards interest rate, you'll earn 0.01% APY and you won't get ATM refunds, Interest compounded and deposited monthly, You only need to pay a $10 membership fee to join Hope Credit Union, 28 branches and ATMs in AL, AR, LA, MS, and TN, Use over 5,000 branches and 30,000 ATMs in the CO-OP Shared Branching Network, Must maintain $100 balance to earn interest; 0.25% APY on balances up to $100k, 0.10% APY on balances over $100k, Credit union that serves a Hispanic American community, 15 branches in North Carolina (Charlotte, Piedmont Triad, Triangle), To become a member, you will need to pay a $10 membership fee, Access to over 1,300 free Cashpoints ATMs throughout North Carolina, To waive the $2 monthly service fee, keep at least $250 in your account daily, When you overdraw your account, you can transfer money from another account using $5 overdraft protection, Interest compounded daily, deposited monthly, Many ways to join PenFed, the easiest being to open a savings account with $5, Branches in US and on military bases in Guam, Puerto Rico, and Japan, Interest compounded monthly, paid monthly, 13 branches in Colorado, or open an account online from around the US, 30,000 free ATMs in the country in the CO-OP Network, and use 7-Eleven ATMs for free, There are many ways to become a member if you live in Colorado, or join Impact on Education if you don't otherwise qualify, Earn competitive interest rates each month that you 1) are enrolled in e-statements, 2) receive $500 in direct deposits, and 3) make at least 25 debit card transactions, If you don't meet qualifications for competitive interest rates, you'll earn 0.05% APY, Tiered interest rates with 7 tiers; earn the highest rate on balances under $2,000, Join Wings Financial by becoming a member of the Wings Financial Foundation for $5, Branches in FL, GA, MI, MN, and WA, or open an account online, Earn 0.10% if you have less than $10,000 in your account, Earn 1.31% if you have $10,000 to $49,999.99 in your account, Earn 1.46% if you have $50,000 to $249,999.99 in your account, Earn 1.56% if you have more than $250,000 in your account. All account applications are subject to approval. , and is completely online. There are a few, but for the card's target users, they might be nothing more than speed bumps. Bankrate follows a strict You can become a member if you're a current or retired employee at an organization partnered with the credit union, a relative of a member or a resident living or working in a qualifying Chicago-area community. If you spend a lot and you're not interested in keeping track of complicated reward structures, its outstanding ongoing rewards rate is worth a little hassle. Ultimately, your experience will vary depending on where you live. You must keep at least $5 in each savings account to maintain it, and the minimum balance of $100 in order to earn dividends applies to each supplemental account. A new national survey released last week by the $18.7 billion Alliant Credit Union in Chicago showed that 42% of millennials plan to use their tax refund to make student loan or credit card payments to help them reach their financial goals. Today, consumers have more banking choices than ever, whether that means using a traditional brick-and-mortar bank, an online bank or a credit union. Alliant Credit Union's above-average rates and broad membership criteria make it worth considering. We are an independent, advertising-supported comparison service. 5 Stars, 4.5 So any rewards you earned in 2021 will expire in December 2025. If you often spend in those categories, it could be a match for your lifestyle. Here is a list of our partners. Alliant Credit Union has been open since 1935. We do not include the universe of companies or financial offers that may be available to you. We do not offer financial advice, advisory or brokerage services, nor do we recommend or advise individuals or to buy or sell particular stocks or securities. Customers who open this account receive a Visa debit card. Just pay a one-time $5 membership fee and open a savings account. But if youre a big spender, you might conceivably bump up against that ceiling. On Affinity Plus Federal Credit Union's website. We passed it on to your loan officer. 5 Stars, 4.75 After that, you'll have to open an Alliant High-Rate Checking account, opt in to electronic statements, make one monthly deposit into the account and maintain an average daily balance of $1,000 or more. Become a NerdWallet member, and well send you tailored articles we think youll love. But if you settle for that 1.5% cash-back rate, it's still a decent deal. Alliant, however, doesn't have a fixed rate option because it doesn't offer a . The Alliant Cashback Visa Signature Credit Card requires an Alliant Credit Union membership, but anyone can qualify. Some credit unions offer 24/7 live customer service. One to look at: The. The credit union also offers a special savings account for parents who want to teach kids about money management. Qualitative factors are those that affect how easy or difficult it is for a typical cardholder to get good value from the card. We follow strict guidelines to ensure that our editorial content is not influenced by advertisers. With minimal fees universe of companies or financial offers that may be to... Are a few, but for the card 's target users, they might be more a! Stars, 4.5 So any rewards you earned in 2021 will expire in December 2025 on all its accounts,... Or financial offers that may be available to you institutions Terms and Conditions stands. 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