Alliant CD review

Do you want to know all the features of the Alliant certificate of deposit? Responsible Economy analyzes the interest rate, requirements, conditions of the Alliant CD. You will also be able to see a comparison with the best deposits that you can open in the United States in 2023. Welcome!

Features

Here we show you all the characteristics of the Alliant deposit.

Fees

There are no monthly maintenance fees and opening the certificate of deposit is free.

Rates

The interest rate you can get varies from the term you choose. The maximum interest rate you can get with the Alliant certificate of deposit is 4.65% APY. If you make a deposit greater than $750,000 you can get an interest rate of 4.75% APY.

We have also made a table with the interest that you can get in each term:

TermsAPY
12 Months4,65%
18 Months4,25%
24 Months4,25%
36 Months4,45%
48 Months4,30%
60 Months4,35%
Terms and rates Alliant CD

Minimum deposit

The minimum deposit that we must make when opening the deposit is $1,000.

Terms

The minimum term is 12 months and the maximum 60.

Allian CD features
Allian CD features

Best banks to open a CD in 2023

We have made a comparison of Alliant with the best certificates of deposit that we can open in 2023 in the United States:

Logo capital One CDs
  • 5% APY
  • Minimum deposit: $0
  • Term: 11 months
  • Member FDIC
Marcus by Goldman Sachs
  • 4,40% APY
  • Minimum deposit: $5000
  • Term: 12 months
  • Member FDIC
CIT Bank Logo
  • 4,65% APY
  • Minimum deposit: $1000
  • Term: 13 months
  • Member FDIC
synchrony-bank-logo
  • 4,60% APY
  • Minimum deposit: $0
  • Term: 14 months
  • Member FDIC
Alliant Logo
  • 4,60% APY
  • Minimum deposit: $1000
  • Term: 12 months
  • Member FDIC
Bask bank logo
  • 4,55% APY
  • Minimum deposit: $1000
  • Term: 12 months
  • Member FDIC
Barclays Logo
  • 4,50% APY
  • Minimum deposit: $0
  • Term: 12 months
  • Member FDIC
BMO logo
  • 4,50% APY
  • Minimum deposit: $1000
  • Term: 12 months
  • Member FDIC

Video with the best CDs

We have also made a video with the best certificates of deposits in 2023:

Best CDs in 2023

Requirements

These are the minimum requirements you must meet to open this CD:

  • Deposit $1.000: You must deposit $1,000 to open the deposit.
  • Live in the United States.
  • Must be over 18 years old.

Pros and Cons

After all the analysis carried out and seeing a comparison with the best certificates of deposits that we can open in the United States, we have made a table with all the advantages and disadvantages:

ProsCons
No feesMinimum deposit $1.000
high ratesThere are CDs with higher interest
Pros and cons Alliant CD

How much money can you earn?

The money you can win depends on the amount of money you deposit and the terms. If you deposit $100,000 for a term of 12 months, the profit is $4,750.

Withdrawal Penalties

If you withdraw the money before the maturity of the CD you will have a penalty. We leave you an image in which you can see all the penalties ranging from 90 days to 180 days without dividends.

Alliant CD penalties
Alliant CD penalties

Conclusion

After all, in the analysis carried out, we can say that Alliant is a good option to open a deposit, although we cannot ignore that there are other banks that offer CDs with higher interest rates and without minimum opening deposits.

Frequent questions

If you have any doubts, we will solve them here:

More information about Alliant

Here we show you information of interest about Alliant:

InformationDescription
Websitehttps://www.alliantcreditunion.org
Facebookhttps://www.facebook.com/alliantcreditunion
Twitterhttps://twitter.com/AlliantCU
Phone1 (800) 328-1935
More information about Alliant

Related content

Finally, here you have a related posts about CDs:

Updated the day 17 February, 2023 by Alfredo Barandiarán

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