Alliant Credit Union

4-​Star because its Not so covnenienet in every means like Real big banks for eg: Withdrwals from teller, cashiers checks are not issued. But except that Evrything else is charm, Any ATM you can use these days recently they credit back ATM fee, So you can use any ATM of their 80,000 ATM’s plus other ATM’s where they refund back ATM fee. Customer service whenevr I called them thru Phone, Is also Knowledgeable, Good caring. Except the first 2 (Withdrawals, Cahsiers checks) everything was good with Alliant.

I don’t want to say don’t bank with them but I do say be ready to be charged 25 dollars every time something doesn’t go through without even a warning. And when you do call their customer service line you will be on hold 10 to 20 minutes. They don’t seem to care about your membership. They aren’t like others credit unions. They are just like big banks who just want to add fees after fees.

I am extremely satisfied with this credit union. I have never earned interest on a checking account before! The interest rates are also good for savings and CD’s, the customer service has been wonderful and the mobile deposit app works like a charm. When the Target hacking disaster happened, they issued us a new credit card automatically, because we had used our Alliant credit card at Target. They were so on top of that! I really love this place and am thrilled to be a member. ESPECIALLY after having tried out a big bank for a few months — big banks are so corrupt, down to the small-​potatoes bankers signing you up for savings accounts. Join a credit union!!!

Worst… Bank…Ever.
I really wanted to stick it to the man and instead came crawling back to Wells Fargo on hands and knees. Unresponsive loan department, horribly trained and ill-​informed customer service, overdraft charges with sufficient funds, god-​awful phone support… you name it.
I hate leaving bad reviews, but save yourself the trouble this bank is truly atrocious and has caused me so many headaches.
Please note, this isn’t specifically about the Oakland division, more overall.

I came here to inquire about a new car loan. The staff they have here are very competent and they were very informative about my rate, monthly payment and what they needed from my end. Everything was laid out for me to understand and voila, I ended up getting a new car.
I have never received bad customer service here, whether it’s from the loan processors or the tellers!

Great rates, great 24 hour telephone and online service, free mobile deposit, more free ATM’s than any bank or even any other credit unions — 80,000 free ATM’s — COOP network, Alliance network, plus all US Bank, Bank of the West, Target CVS, Costco, 7 – 11. Free 1^st box of checks with free checking. Much better saving’s rates, more ATM’s, lower fees, less «hidden» fees and better service and rates than my other CU — Patelco.

I joined Alliant in a moment of activist protest against the big banks that I am a member of (putting my money where my mouth is). I didn’t go to a cozy local credit union, however: Alliant is a large credit union, based out of Chicago. I joined because they have the capacity to deposit checks online. I admit I have been frustrated with this product, however, as it has a hard time reading my checks and I find I’m better off mailing them in. [Edit: the check deposit software has been improved, and now works great, so you can easily deposit checks from your phone]. Their location doesn’t have weekend or late-​night teller hours, but they do have 24-​hour phone service.
In order to join Alliant, you’ll most likely need to donate $ 10 to a non-​profit providing scholarships to underprivileged kids. This is normal for a credit union, especially if it’s not in your county.
Aside from not being quite as convenient as I’d like, I am otherwise happy with their service and didn’t expect a 1% savings account return, a huge increase from my other bank’s %0.15. It’s not a lot, but a pleasant surprise.

Alliant is fantastic and has always treated me very well. I’ve been a member for 17 years since they were known as United Airlines Employees Credit Union. Easy online access as well as tons of ATMs that I can use without a fee…

My wife and I are long term members of Kaiperm FCU. And in Sept. 2008 Kaiperm merged with Alliant CU.
At first we were skeptical about the merge and thought it was a take over because during this time, it seems like every bank was going under. We later found out that Kaiperm went out to seek a merger with Alliant to make sure that their members will benefit from all the great products that Alliant has to offer.
Ok now we are Alliant members. We did some research to make sure that this is where we want to stay. Of course the first thing we look at is their rates. 4% for their liquid Savings account with just $ 100.00 minimum balance! WOW! That is an amazing rate and was wondering if this was just a teaser rate because of the merge. Did some further digging and Alliant have been in business for over 75 years and their rates have always been way above bank averages (which is currently at .20%) We were impressed by the awesome interest rates that they have to offer. Now of course with the economy the way it is, they were not able to keep their rate at 4%. It have been slowly dropping and currently it’s at 2%. It’s a big drop from what it was a year ago, but if you do your research and compare Alliant with any other financial institution then you’ll know that it’s still no comparison. You’ll be lucky if your getting .15% interest rate at your bank’s Savings account.
We are very happy with Alliant Credit Union. Their rates are awesome! The location is very convenient for us (except that you have to look for parking, but it is downtown so what do you expect). We only dealt with the Oakland staff and they are super friendly and knowledgeable. It was a little hard for us to get adjusted to the new credit union but the Oakland staff was very accommodating. They walked us through every obstacle we had. They always go above and beyond to help us.
We are now thinking about doing a Home Equity Line of Credit with Alliant because we found out they also have awesome loan rates. Their HELOC rates are at 4% and it’s fixed for a whole year unlike other banks which adjusts every month.
My brother just got a car loan with Alliant. They finance 100% and his interest rate is 4.35%. The dealer was going to give him 9%, outrageous!
If you don’t have an account at Alliant, you need

Alliant has treated me well. I use them as an online bank. They have a great rate on their savings and checking account. Their checking and savings accounts are free! You even get a box of free checks. There are no monthly fees and no minimum balances.
I really like the fact that they have a huge surcharge free ATM network. You can use ATMs at other Credit Unions, 7-​Eleven, Target, CVS, US Bank, Allpoint, and more. You can make deposits at other Credit Union ATMs and even at US Bank ATMs.
You can deposit checks via mobile phone by taking a photo. They have an app for iPhones and Android phones.
Alliant also has a feature where you can deposit checks online by scanning them with a scanner!
I signed up online and it did not take too long.
I have compared rates and Alliant offers better rates on savings and checking accounts than all of the other major banks. Bank of America, Chase, Wells Fargo, and Citibank can’t even compare to Alliant.
Alliant has a very good online banking website. It is easy to use and allows free online transfers between other banks.
I am sorry to hear that someone had a bad experience at an Alliant branch. I have never had an overdraft fee. It’s a good idea to keep a little extra money in a bank account just in case. There are now new laws that prevent overdraft fees. You can only get an overdraft fee if you opt in to the overdraft service. So that won’t be a problem in the future.

Unlike DL, I signed up online for Alliant a few years back. They’ve consistently paid the top rates for checking and savings accounts. It’s amazing how much more interest Alliant can pay when compared to the big banks.
Lots of services are free and fees on most items are low compared to the national average. Transfers are quick and easy.
Check out the rates — you won’t believe how they beat everyone else. If you’re not part of a member company, you can always join your local PTA for eligibility.

We were longtime Kaiperm Members, when Kaiperm was gobbled up by Alliant out of Illinois. The whole reason for us to choose a CU was that it was local, and had good rates. Never mind the local, and never mind the good rates.
After the switch to Alliant, we were dissatisfied time and time again:
1. Alliant charges $ 10 for transfers form CC to checking, and $ 30 overdraft fee without offering overdraft protection.
2. When we closed our account, Alliant did not allow us to close our CC until the end of the pay cycle. That way they were able to earn additional $$$ in interest. We were told that this was their policy in regards to all previous Kaiperm members. (Probably because they are all leaving Alliant…)
3. Alliant stopped the cooperation with Patelco with regards to cashier’s checks, without any notice. We had to drive to Alliant’s Oakland branch. Never mind the ‘local’ part.
4. Alliant was quite uncooperative when we switched banks, and gave us the runaround on several occasions (for example, they requested me to sign a payoff form, after I just faxed them a payoff authorization a day before).
5. Their loan rates are substantially higher than those of our new CU, Kaiperm Diablo.
We are happy we left Alliant, before they could suck any more money out of us.