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:
| Terms | APY |
|---|---|
| 12 Months | 4,65% |
| 18 Months | 4,25% |
| 24 Months | 4,25% |
| 36 Months | 4,45% |
| 48 Months | 4,30% |
| 60 Months | 4,35% |
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.
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:
- 5% APY
- Minimum deposit: $0
- Term: 11 months
- Member FDIC
- 4,40% APY
- Minimum deposit: $5000
- Term: 12 months
- Member FDIC
- 4,65% APY
- Minimum deposit: $1000
- Term: 13 months
- Member FDIC
- 4,60% APY
- Minimum deposit: $0
- Term: 14 months
- Member FDIC
- 4,60% APY
- Minimum deposit: $1000
- Term: 12 months
- Member FDIC
- 4,55% APY
- Minimum deposit: $1000
- Term: 12 months
- Member FDIC
- 4,50% APY
- Minimum deposit: $0
- Term: 12 months
- Member FDIC
- 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:
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:
| Pros | Cons |
|---|---|
| No fees | Minimum deposit $1.000 |
| high rates | There are CDs with higher interest |
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.
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:
| Information | Description |
|---|---|
| Website | https://www.alliantcreditunion.org |
| https://www.facebook.com/alliantcreditunion | |
| https://twitter.com/AlliantCU | |
| Phone | 1 (800) 328-1935 |
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Updated the day 17 February, 2023 by Alfredo Barandiarán
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