Alliant Credit Union $100 Savings Bonus (8.1% Effective APY) - 2026 Review
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Bonus Tiers & Effective APY
Overview
Alliant Credit Union currently offers up to $100 through its savings promotion. The headline tier requires $1,200 and keeps the funds committed for roughly 375 days. That is approximately 8.1% annualized before tax and opportunity-cost adjustments.
Who This Savings Bonus Is Best For
People with $1,200 of genuinely idle cash who can leave it committed for roughly 375 days without sacrificing a better use for the funds.
How to Maximize This Bonus
Fund the account inside the 30-day window, target the tier you can maintain comfortably, and keep the qualifying balance in place for the full 365-day maintenance period. Avoid moving the money until the reward posts.
Pros
Cons
How This Compares to Other Bonuses
Alliant Credit Union's $100 headline payout is closest to Ally's $100 offer. Compare the required capital, holding time, account fees, and base interest, not only the bonus.
Frequently Asked Questions
What is the current Alliant Credit Union promotion?
Alliant Credit Union currently offers up to $100. The headline requirement is $1,200 deposit held for about 365 days.
How much money is required for the Alliant Credit Union bonus?
The highest advertised payout currently requires $1,200. Lower tiers may require less; review the tier table on this page.
How long is the money committed?
Plan on approximately 375 days including funding, maintenance, settlement, and a practical payout buffer.
Eligibility
Open a new Ultimate Opportunity Savings Account as a new Alliant member. Deposit at least $100 a month for 12 consecutive months, with the first $100 landing within 30 days of opening and each later one posting by the last day of its calendar month. Keep an average daily balance of at least $100 throughout, and have $1,200 or more in the account at the end of the 12-month period. No direct deposit required. One bonus per person, ever. Applications must be in by 11:59pm CT on 12/31/2026. Membership is open to anyone through the Alliant Credit Union Foundation, and Alliant covers the $5 contribution for you.
Fees
Apply
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Sources (2)
We last checked this against the bank's page on August 18, 2026.
Historical Promotions
The current $100 is the highest we've tracked since February 2023.
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Fat Stacks Academy may earn a commission when you open an account through links on this page, at no additional cost to you. Commissions do not influence our reviews — we verify offer terms directly with each bank before publishing and do not accept paid placement in our rankings. Bonus offers, requirements, and fees are determined by each financial institution and may change at any time. Always verify the current terms directly with the bank before applying. This content is for informational purposes only and does not constitute financial advice.