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Regular Contributor
Posts: 228
Registered: ‎07-21-2008
0

Switching Everything to Alliant

[ Edited ]

Okay first, I just wanted to tell everybody on this board, Happy Thanksgiving Smiley Very Happy

 

Second, I currently have a savings and checking account at the following banks:

 

USAA: Checking and Savings, no credit products.

I am a limited member here

WILL CLOSE WHEN I OPEN MY ALLIANT ACCOUNT 

 

Wells Fargo: Checking and Savings, one credit product.

WILL KEEP THE SAVINGS AND THE CREDIT CARD BUT CLOSE THE CHECKING ACCOUNT 

 

Georgia's Own Credit Union: Checking and Savings, one credit product.

WILL CLOSE THE CHECKING BUT KEEP THE CREDIT CARD AND THE SAVINGS ACCOUNT

 

THE ONLY REASON I HAVE TO KEEP THE SAVINGS ACCOUNT IS TO KEEP THE CREDIT PRODUCTS

 

I Really, Really Really want to join Alliant Credit Union. They have the highest APY on both their Checking and Savings and to be quite honest; I believe I can qualify for one of their credit card products which is what I really want. I have to wait six months to let my new Barclays account pass the probation period. 

 

Would anyone recommend Alliant Credit Union as their everyday bank?

 

 


Starting Score: 475 09/2008
Current Score: 07/2012 EX:696 (BOFA & Amex Fico) EQ:707 (CU Pull) TU:708 (Walmart FIco)
Goal Score: To Be in the 800 Club!!!!!!


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Valued Contributor
Posts: 1,424
Registered: ‎08-28-2010
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Re: Switching Everything to Alliant

have u looked into penfed cu? i joined yesterday and got a 11k promise card and they refi'd my 19k boat loan from 10 yr 17.75% apr to a 6 yr 8% apr loan

Regular Contributor
Posts: 228
Registered: ‎07-21-2008
0

Re: Switching Everything to Alliant

I have looked into penfed but I heard that they don't take too kind to baddies. I have two baddies that I'm working on. They are paid in full and over two years old but I know they won't approve me for any credit products. Also, its kinda why I joined Usaa but they only treat full members well, everyone else its like tough luck. So I'm not going to even waste my time with usaa, I like the fact that it was inquiry free to join, but need a bank that will grow with me one day.

Starting Score: 475 09/2008
Current Score: 07/2012 EX:696 (BOFA & Amex Fico) EQ:707 (CU Pull) TU:708 (Walmart FIco)
Goal Score: To Be in the 800 Club!!!!!!


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Regular Contributor
Posts: 142
Registered: ‎01-01-2011
0

Re: Switching Everything to Alliant

I have been using Alliant as my main bank since I joined 6 months ago. Really nice customer service when I have called as well. I would recommended them due to my experiences. 

7/6 Equifax Fico - 678, 7/12 EX Fico 720 (lender pull), 7/19 TU Fico 707
Frequent Contributor
Posts: 318
Registered: ‎03-03-2008
0

Re: Switching Everything to Alliant

Check out www.myconsumers.org - I opened an account with them this summer and they're paying 4.09% APY on checking right now and have great rates on loans and CC's as well.

7/27/2015 - Discover EX 744 / AMEX EX 742
4/16/2015 Mortgage pulls 719 EX / 729 TU / 703 EQ
Scores by lender CLI requests 4/15/14: EQ 760 / TU 755 / EX
Scores by lender (Mortgage) 4/25/11: EQ 705 / EX 743 / TU 735

Combined CU CL's - 79K (lower rates / higher limits)
Combined Bank CL's - 32.5K (higher rates)
Valued Contributor
Posts: 1,424
Registered: ‎08-28-2010
0

Re: Switching Everything to Alliant

ur right pen fed dont like baddies

Regular Contributor
Posts: 228
Registered: ‎07-21-2008
0

Re: Switching Everything to Alliant

I know.....one day I will be baddie free....four years from now every baddie will fall off....until then I will keep sending gw letters until they finally say okay. How does Alliants website compare to others and how is their ach process? Thanks again for the quick replies

Starting Score: 475 09/2008
Current Score: 07/2012 EX:696 (BOFA & Amex Fico) EQ:707 (CU Pull) TU:708 (Walmart FIco)
Goal Score: To Be in the 800 Club!!!!!!


Take the FICO Fitness Challenge
Regular Contributor
Posts: 227
Registered: ‎12-09-2010
0

Re: Switching Everything to Alliant

I have been using alliant for the last year and I am rather enjoying them a lot. I like that  that wait to to talk to someone isvery short.  They were rather nice on the phone on the couple times I needed to call them. 

 

 

I just started entering check infomation online and then mailing the check in the next day and that will save me a lot of time since I was driving out there every two weeks to deposit my checks. 

 

I thought Alliants website was much better than TCF's website.  They also offer a iphone/android app.  (I have used the android one and think it is a good start)

 

My first real CC was from Alliant.  They gave me a 1,000 CL at 10.3 APR and then bumped it up to a 2,000 CL after 6 months. 

 

I have recommended Alliant CU to all of my family members. 

MyFICO score- Equifax - 12.03.11 - 780 Experian 12.03.11 - 763
(FAKO Scores) EXP PLUS Score Dec 2011. 748
Advanced Risk Score 2.0 (NextGen) 793 Dec 2010
Vantage Score (2011) MAR = 771 Jun = 771 Sept= 788 Dec= 773
2012 MAR = 782 JUN=783 Dec = 789
2013 Mar-796 Jun-799 Dec- 797
Regular Contributor
Posts: 227
Registered: ‎12-09-2010
0

Re: Switching Everything to Alliant

What kind of services are you looking for an "every day" bank/credit union ?

 

What do you mean by "every day" ?

MyFICO score- Equifax - 12.03.11 - 780 Experian 12.03.11 - 763
(FAKO Scores) EXP PLUS Score Dec 2011. 748
Advanced Risk Score 2.0 (NextGen) 793 Dec 2010
Vantage Score (2011) MAR = 771 Jun = 771 Sept= 788 Dec= 773
2012 MAR = 782 JUN=783 Dec = 789
2013 Mar-796 Jun-799 Dec- 797
Frequent Contributor
Posts: 483
Registered: ‎05-06-2009
0

Re: Switching Everything to Alliant

Alliant: $2K credit approval at 14ish% PenFed at same time: $10K @ 11%ish. Alliant would not give me a CLI without a had pull, and even then it was only to $4K. I'm not impressed with their credit products. Can't speak for checking/savings, as I don't save money while I am paying interest on debt.
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