Alliant or DCU? Which is better?

[Sooners2013]

Which one is better and easier to deal with - Alliant or DCU.  Which one gives better credit card limits and which is more lienient?  Which CB do they use, are they inquiry sensitive?  

[Creditaddict]

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@Sooners2013 wrote:

Which one is better and easier to deal with - Alliant or DCU.  Which one gives better credit card limits and which is more lienient?  Which CB do they use, are they inquiry sensitive?  

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DCU - EQ

[Kenny]

They both pulled EQ for me.

For me, Alliant is slightly better with customer service, however I view these two as equal -- both gave me a simiar CL on a credit card and both would give me similar auto rate.

I'm sure someone else can speak up on their experience.

[Lechte]

Does Alliant do a HP when opening a checking or savings?

[Kenny]

I believe they do with checkings, list most banks/CUs. Savings, I don't believe that there was a HP. Anyone else remember?

[mongstradamus]

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@Lechte wrote:

Does Alliant do a HP when opening a checking or savings?

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alliant did an hp for checking and no hp for savings if i recall when i opened accounts last year. 

[takeshi74]

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@Sooners2013 wrote:

Which one is better

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Better in what way(s)?  Are limits, approvals and inquiry snesitivty all that matter to you?

[MC9199]

I'm not a DCU member yet but here are a couple of things I like about Alliant:

• Great customer service, 24 hrs
• Mobile deposit, funds available right away
• You can do a cash advance from their Visa to your checking or savings online, and withdraw funds right away from a no-fee Allpoint ATM. Cash advance interest applies of course, but this is handy if you have to pay the plumber for an emergency and you don't get paid for a couple of days.

[Lechte]

Does anyone have any experience with auto loans thru Alliant...do they require you to have a checking account to apply, or is savings good enough?   ...btw, thanks for the previous responses.

[user5387]

Alliant is considered at the very top as a bank or "hub account".

This is due to fast (one day) ACH transfers, good interest rates on checking/savings, large ATM network, bill pay, online interface, and so on.  USAA is also at the top, but pays no or negligible interest on checking/savings.

For lending products, I'd probably favor DCU.