Alliant Credit Union

Why We Like It

Alliant Credit Union is the best option for families who want credit union values — member ownership, better rates, community focus — with the digital tools of a modern bank. Their high-yield checking and kids' savings accounts are among the best in class.

Pros & Cons

Pros

• Credit union ownership means profits returned to members as better rates
• 2.25% APY on checking account — highest of any credit union
• Youth savings account with 3% APY for kids under 13

Cons

• Must qualify for membership (most people qualify)
• Physical branch access is limited — primarily digital

Score Breakdown

Banks were evaluated on monthly fees and minimums, interest rates on savings, kids' banking tools and parental controls, ATM network and convenience, and customer service.