Earn more interest with an online savings account

Quickly build your savings with rates 14.2x the bank industry average!71

High-rate online savings account, person on dock
The Run Down
  • Access anywhere with Alliant Mobile and Online Banking
  • Earn more on your money with no maximum balance limit
  • No monthly fee if you elect eStatements
  • Just $5 initial deposit required (and we'll pay it for you!)
  • Make deposits and withdrawals at thousands of ATMs nationwide
1.70 %
1.69 %

With an average daily balance of $100 or more. APY= Annual Percentage Yield.63 

Bank on the Go!

Our mobile app gives you access to your Alliant Account in the palm of your hand.

Download the Mobile App

Best Savings Accounts 2018 - NerdWallet

"Best Savings Accounts 2018" - NerdWallet

Best Savings Accounts 2018 - WalletHub

"Best Savings Accounts 2018" - WalletHub

Best Online Savings Accounts 2017 - MagnifyMoney

"Best Online Savings Accounts 2017" - MagnifyMoney

Bank on your terms with Alliant's high-rate online savings account

24/7 access

Conveniently manage your money via Alliant Mobile Banking, Alliant Online Banking or one of 80,000+ in-network ATMs. Or, call us at 800-328-1935.

Mobile check deposit

Use your smartphone and Alliant Mobile Banking to make deposits from anywhere.

Easy transfers

Easily move money between your Alliant online savings account and your other accounts, including accounts outside Alliant.

Open multiple savings accounts online

Once you're an Alliant member, save for specific goals and earn Alliant's high rates by opening up to 19 online savings accounts (called "supplemental savings accounts").

Our High-Rate Savings Account helps you save for life’s important things

With no maximum balance limit and no monthly fee (if you elect eStatements), you’ll be able to earn even more on your money.

How to open your Alliant High-Rate Savings Account online40,42

Ready to get a high rate on our online savings account? Apply from your smartphone or desktop, 24/7.

  1. Gather your personal info, including your government issued ID and Social Security (or ITIN) number.

  2. Fill out your online application.

  3. Once your application is approved, fund your account by setting up online transfers via Alliant Mobile or Online Banking.

High-Rate Savings Account Rates63

1.70 %
1.69 %

Let Me Know When Alliant Rates Gets Even Better

High-rate savings FAQs

Do I have to maintain a minimum balance to have a savings account or to earn interest?

The minimum balance to keep your savings account open is $5. To earn interest, you must maintain a daily average minimum balance of $100. Alliant interest is paid monthly.

Are there any transaction restrictions for savings accounts?

Federal regulations limit pre-authorized withdrawals to six per month per savings account.

What’s the difference between a regular savings account and the supplemental savings account?

The only difference is that a supplemental savings is an additional savings account. You can name each account based on your specific financial goals — saving up for a vacation, wedding, emergency fund, etc. — allowing you to more easily track your progress toward that goal.

How do I open a supplemental savings account in Alliant Online Banking?

Supplemental Savings Accounts can be opened in just a few easy steps in Alliant Online Banking. These accounts, dedicated to a particular financial need (emergency fund, holiday gifts, weddings, vacations, etc.), are a great way to reach your savings goals.

  • Log in to Alliant Online Banking and select Open an Account.
  • On the Open New Account page, select Supplemental Savings.
  • Assign a Custom Name for the account, and complete the rest of the form indicating joint owners (if any) and how you’ll fund the account (or you can opt to open the account now and fund it later).

To optimize your savings, set up automated recurring transfers to your new account. Just select Transfer Money and indicate the account you want the money transferred from.

Please note that while there is no minimum balance required to keep your account open, you need to maintain an average daily balance of $100 to be eligible for dividends on your account.

Is there a minimum balance for my savings account?

The minimum balance to keep your savings account open is $5.

Can I have more than one supplemental savings account?

Yes. You can have up to 19 supplemental savings accounts.

Do I have a mobile deposit limit?

Your current mobile deposit limit will appear below the amount field once you select an account. Your deposit limits can vary depending on your eligible accounts. For more information, tap the note icon at the bottom of the deposit screen.

How do I find an ATM in the Alliant network?

You can quickly access Alliant’s massive network of surcharge-free ATMs by visiting our website. Find an ATM here.

Have a Question?

Want to know more about this product? Search our friendly help guide!