alliantcreditunion.org

2.8
2.8 Based on 230 reviews

Alliant Credit Union is the largest credit union in Illinois and one of the largest in the U.S. With over 85 years of history and 900,000+ members nationwide, we're 100% digital and not-for-profit, so we can reward our members by offering high savings and...

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Average Rating

2.8

/
5

230 Reviews

5 Star
42%
4 Star
1%
3 Star
0%
2 Star
6%
1 Star
51%

All Reviews

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Review Time

Dani
Awful experience with this institution

My loan was transferred to this institution, but initially, they misplaced it, resulting in no payments due for the first two months. Once they located my loan, they began charging interest despite my inability to make payments. I had to contact them multiple times to request the removal of the interest, which was their fault. Though they eventually waived the minimum payment interest, I am still paying significantly more than before and have provided proof from my previous lender. The payment process is frustrating, as they charge fees for phone payments or require transfers to a checking account they set up, which I prefer to avoid. Transfers take several days to process. While a recent representative was polite, this has been the worst banking experience I've ever had. I would recommend avoiding this institution unless you want to deal with excessive fees and loss of your hard-earned money.

1
Date of experience: Jan 03, 2026
Daisy S.
Excellent customer service

The customer service is exceptional, the savings account rates are good, and the app is impressive and dependable. I’m unsure why there are so many negative reviews; my experience has been nothing but positive.

1
Date of experience: Jan 02, 2026
Markanday Ravi
Fantastic customer service

Fantastic customer service, good rate for savings account, app is awesome, and very reliable service. Not sure why so many bad review, my experience has been great.

5
Date of experience: Dec 26, 2025
UhSnoss
Poor follow-up / avoid for loans

I submitted a home equity line of credit application based on a promotional rate. After following up, I was told to submit all documents to avoid expiration, which I did. However, after more delays and requests for additional information, they claimed I hadn’t submitted everything and that I needed a new application, all while the promotional rate was no longer available. This feels like a classic bait-and-switch. The communication has been very poor, and the loan officers have failed in their responsibilities.

1
Date of experience: Dec 19, 2025
Denzil Lewis
This institution used to be great

This service was once excellent. However, in recent years, customer support has deteriorated significantly. They have outsourced support to AI, making issue resolution nearly impossible. Even when speaking to a live representative, they often provide misleading information. They've also removed features from online banking that empowered customers. Additionally, upon opening a minor's account, unsolicited credit card promotions began arriving without parental consent. We chose this service for its customer focus, but it seems they now prioritize profit over customer care.

2
Date of experience: Dec 06, 2025
Decent overall, but some drawbacks

I've been a customer for years without major issues. However, their rates have declined recently, prompting the need to switch for better options. Also, the lack of support for a popular payment service has caused some inconvenience.

4
Date of experience: Dec 02, 2025
GirlPiggy
This service is a total scam! Don’t waste your time

This institution is a total scam, and their staff is misleading and unhelpful. I was approved for membership and a credit card, only to later be told my account was closed due to a supposed lack of deposit, which is false. They even conducted a hard inquiry on my credit. Avoid applying here.

1
Date of experience: Dec 01, 2025
Overall, we are satisfied

We are generally pleased with this service. A recent issue was resolved promptly and satisfactorily. However, there are two reasons for not giving a full five stars: (1) the website can be slow and cumbersome, and (2) the recent change in cash back for credit card purchases from 2.5% to 1.5%. While not a huge issue, it is disappointing.

4
Date of experience: Nov 19, 2025
Has significantly declined

This service has definitely taken a turn for the worse. I joined in 2021 and had no issues until recently. Over the past year, the frequent technical problems are absurd. The app is often down for maintenance or fails to load altogether. The few times I reached out to customer support, they were unhelpful and rude. Additionally, they are among the few banks in the country that don’t support a popular payment service, which has caused me significant inconvenience. They’re in the process of changing leadership, which may explain the ongoing issues, but at this point, it seems simpler to take my business elsewhere. I wouldn't recommend this service to anyone.

2
Date of experience: Nov 01, 2025
Rich P.
Complete disaster of a service

I secured a home equity line of credit through this institution, which started smoothly. However, they handed me over to a third-party service for loan management, which has been a total mess with no customer support available. The only option is web chat, and during my attempts, the representative was often unresponsive, as if distracted. I plan to file formal complaints against both the service and the third-party provider.

1
Date of experience: Oct 24, 2025

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Business Details

  • Alliant Credit Union is the largest credit union in Illinois and one of the largest in the U.S. With over 85 years of history and 900,000+ members nationwide, we're 100% digital and not-for-profit, so we can reward our members by offering high savings and checking rates, low loan rates, rich credit card rewards and fewer fees.

  • call 8003281935
  • language https://www.alliantcreditunion.org

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