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Credit Union Products

Wire Services

Wire transfers are available at Alliant Credit Union.
Please call 800-928-4328 for wiring instructions.

Insurance and Protection

Alliant Credit Union offers the following insurance and protection products to safeguard your financial well being.

Insurance Protection

NCUA Insurance

Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. Each co-owner's share in all joint accounts are added together and insured up to an additional $250,000. Individual Retirement Accounts are separately insured up to $250,000 by the NCUA. A link to NCUA is available to Internet users. A booklet titled "Your Insured Funds" is available upon request.

Credit Disability & Credit Life

Credit Insurance may make your loan payments when you can’t

There’s no way to predict an injury, illness or other unexpected life event. You can take steps to protect your family if the unforeseen happens. Credit disability and credit life insurance may help reduce or pay off your covered loan, up to the policy maximum, in the event of a covered life event, injury, illness or death.

You decide which payments you want to protect and the monthly premium may be added to your loan. Coverage is designed to fit your lifestyle, it is totally voluntary, it won’t affect your loan approval, and it’s simple to apply. You can sign up at your loan closing, or anytime you’d like.

Your purchase of MEMBER’S CHOICE® Credit Life and Credit Disability Insurance, underwritten by CMFG Life Insurance Company, is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan. Certain eligibility requirements, conditions, and exclusions may apply. Please contact your loan representative or refer to the Group Policy for a full explanation of the terms. CDCL-1457643.1-0316-0418

Mechanical Repair Coverage

The miles can add up but the repair costs don’t have to.

MEMBER’S CHOICE® Mechanical Repair Coverage can help deflect some risk of costly repairs keeping your vehicle running extra miles and extra years. With different coverage levels and deductibles to choose, there’s a plan to fit your family’s budget.

Whether you depend on your vehicle for work or getting your family to school and activities, you need transportation that’s safe and reliable. The older your vehicle, the more it takes to keep it in good working order. Not making small repairs can lead to even more expensive repairs and ignoring other repairs can be dangerous.

Calculate Coverage

Benefits of the program*:

  • Good at any authorized repair facility in the U.S. or Canada
  • Rental reimbursement: up to $35 per day for 5 days (or 10 days for a parts delay) from day one.
  • 24-hour emergency roadside assistance: up to $100 per occurrence. Includes towing, battery jump start, fluid delivery, flat tire assistance and lock-out service.
  • Travel expense reimbursement: up to $500 for lodging, food and rental expense when a covered breakdown occurs more than 100 miles from home.
    Transferable: if you sell your vehicle privately, the coverage can be transferred for a fee, adding resale value and appeal.
  • Cancelable: receive a full refund within the first 60 days or a pro-rated refund thereafter less an administrative fee.
  • No out of pocket expense at time of mechanical repair: (except for any deductible and any repairs not covered by the policy)–the covered repair is paid directly to the authorized repair facility by the plan.
  • Ask about deductible options
    *Program details may vary by state. Ask a loan officer for details.

Guaranteed Asset Protection (GAP)

MEMBER’S CHOICE™ Guaranteed Asset Protection (GAP) is an optional protection product made available by the credit union. In the event of a total loss, GAP is designed to cancel the difference between your primary insurance settlement and the outstanding loan balance, up to the contract maximums. For more information, call or visit Alliant Credit Union.

Calculate Coverage

Accidental Death and Dismemberment

$1000 of TruStage™ Accidental Death and Dismemberment Insurance Coverage Is Yours.

One of the nice benefits of credit union membership is a no-cost TruStage Accidental Death and Dismemberment (AD&D) insurance policy from CMFG Life Insurance Company. AD&D coverage pays you or your loved ones a cash benefit after an accident results in a covered injury or loss of life due to an accident.

You can get $1000 of coverage, paid for by your credit union, and provided by CMFG Life Insurance Company. You can also get up to an additional $300,000 AD&D coverage from CMFG Life at affordable rates.

Sign up for your no-cost or additional protection today.

TruStage™ AD&D Insurance is offered by TruStage Insurance Agency, LLC and underwritten by CMFG Life Insurance Company. The insurance offered is not a deposit and is not federally insured or guaranteed by your credit union.

ADD-1112-225E

 

Discount Tickets

Contact any ACU office to purchase discount tickets.

Six Flags Great America:
  • 1 Day Admission $46.00
    (Savings of $28.00)
  • Ages 2 and Under FREE!
Adventureland:
  • Admission $32 ($10 Savings)
  • Ages 3 and Under FREE!
Noah's Ark:
  • Admission $25.61 - kids & adults
    ($13.39 Savings)
    Ages 2 and under are free

Milwaukee Zoo:
  • Admission Adults $10 p/adult; (Savings of $4.25 p/adult; $3.50 p/child)
  • Child $7.75 (ages 3-12)
Lost Island Water Park:
  • Admission $24.61 (Savings of $2.14)
  • Ages 3 and Under FREE!

Westland Theater:

  • Burlington, Iowa - $8.25
Mindframe Theater
  • Dubuque, Iowa - Adult $6.00
Carmike
  • Cedar Rapids, Iowa - Adult $8.00

Lock Boxes

ACU offers Lock Boxes for your usage. These boxes are located in a vault with electronic finger print device access.

There is also a privacy room available for viewing box content.

Lock boxes are available at 1200 Associates Drive (Dubuque) as well as 1305 1st Avenue SE (Cedar Rapids). (Cost is debited from credit union account on January 15 each year)

Lock Box Lease

Size 3x10x22”……………………………..............…………….. $30.00

Size 5x10x22”…………………………………………................ $45.00

Size 10x10x22”……………………………...............…………. $75.00

Replacement fees for lost lock box keys……..........… At Cost

Drill box open…………………………………...……............... At Cost


What can Alliant Credit Union save you in 2017?

A Credit Report Check-Up & Review from Alliant Credit Union is a great way to make sure all your finances are in tip-top shape.  When completing a Check-Up, you’ll meet with an Alliant Credit Union team member to examine your personal credit report.  No worries…it’s painless and totally free!  We’ll complete an entire financial review of your account account to see if there are any money-saving opportunities and also make sure there is no fraud occurring on your account.

Here are just a few true results:

  • One member saved over $4,500 on interest when he brought his auto loan to Alliant Credit Union.  He not only reduced his interest rate, but he reduced the term of the vehicle as well.
  • One member saved over $2,000 on just the GAP and Mechanical Repair Coverage offered at Alliant Credit Union.  This doesn’t account for how much he saved on interest after he brought his loan to Alliant Credit Union!
  • Another member saved over $10,000 when she refinanced just one consumer loan from a title/payday lender and brought it over to Alliant Credit Union.

Did you know, reducing an auto loan by just 1.00%APR could save you a couple hundred dollars and could shorten the term at the same time.

Do you have multiple credit cards that you’re paying interest on?  Consider lowering your rate and consolidating them into one payment with an Alliant Credit Union credit card.

Reach out to us today and discover what Alliant Credit Union can do for you in 2017. Members can also monitor their account by visiting www.annualcreditreport.com.

*This special promotion is being offered for a limited time and is subject to change at any time and is for new HELOC loans only. Maximum loan amount on 90% TLTV and based on credit qualifications. The fully indexed Annual Percentage Rate (APR) is subject to change quarterly and is based on the weekly Three Month Treasury Bill Rate (index), plus a margin of 4.50%, based on TLTV. After the promotional period, your rate will never be less than 4.90% APR or exceed 18% APR or the maximum allowed by law. If the borrower is not a member, $5 is required to set-up a savings account at the Credit Union. Third party fees, if required, will be passed onto the borrower. These fees generally include appraisal, flood determination, title search, and mortgage recording fees. Average fees could range $39-$400. Adequate property insurance must be maintained. Please ask an Alliant Credit Union loan officer for complete details. Alliant Credit Union, a non-profit, member-owned financial institution, does business in accordance with the Federal Fair Housing Law and the Equal Opportunity Credit Opportunity Act. Consult your tax advisor.

ATIRAreload

Alliant Credit Union is excited to announce the release of its Reloadable VISA Card.  These low cost cards can be used anywhere VISA is accepted including, Point of Sale (POS), ATM and online. 

 

With the ATIRAreload Card, you can:

  • Save money and use it instead of paying check cashing fees, buying money orders and paying for money transfer fees.
  • Only spend what you have.
  • Have a safe option to access your money.
  • Start a financial relationship with Alliant Credit Union.

These cards are perfect for:

  • teens – learn budgeting and financial responsibility without the chance of overdrawing an account.  Parents can also monitor the account by receiving text alerts when purchases have been made.
  • travelers – with travelers checks becoming obsolete, these cards are the perfect replacement!  Travelers will not have to carry cash and will find the security capabilities a great feature.
  • online shoppers – the security functions on these cards will make shopping online stress free!
  • you – since direct deposits can be applied to these cards, you can use these cards to help budget your fun account, save money on check cashing services, pay bills, and more!

The Reloadable VISA is different from a debit card because it is not tied to a checking account; different from a credit card because the money on your card is funded by you (not a revolving line of credit); and, different from a gift card because the you can reload the Prepaid VISA.

For more information and to open an ATIRAreload Card, please contact Alliant Credit Union at:
(563) 585-3737 / (800) 928-4328, staff@alliantcu.com.

Frequently Asked Questions»

How does my ATIRAreload card work?

Your ATIRAreload card is a Visa prepaid card. Money available for spending is determined by the amount of money you load on the card. The ATIRAreload card carries the Visa logo, so you can use it almost anywhere Visa debit cards are accepted – in stores, online or over the phone. Each time you use your card, the purchase amount is automatically deducted from your card balance. When your balance gets low, you can add more money onto the card.

How can I find out what my remaining balance is?

You can obtain your account balance anytime by logging on to www.atirareload.com or by calling customer service at 866.466.0058 (954.377.4496 outside the U.S.). Some ATMs may offer the capability of providing your account balance as well. Please refer to the ATIRAreload Fee Schedule at www.atirareload.com for possible fees.

How do I add money to my ATIRAreload card?

You can add money to your card online at www.atirareload.com, at Alliant Credit Union or through the direct deposit of your wages.

Where can I use my ATIRAreload card?

  • at almost any merchant that accepts Visa debit cards
  • online for purchases and bill payments
  • at financial institutions that accept Visa debit cards to make cash withdrawals
  • at any ATM that accepts Visa debit cards

Are there any special types of transactions I should know about before I shop with my ATIRAreload card?

There are special types of transactions that you should know about.
Gas Stations - Paying at the pump may cause a minimum hold until the transaction clears; consider paying inside with the attendant for the exact amount and signing the receipt instead.
Restaurants - Restaurants may authorize your card for the amount of the dining bill to verify you have enough money in your account. Make sure you have enough funds on the card to cover any additional tips or gratuities.
Hotels - Hotels may put a hold on the amount of your estimated bill, making that amount unavailable for other purchases. When you check out, that hold may take a few days to be removed.
Auto Rentals - You may use your card for final payment for a rental car bill, however, a credit card may be necessary to reserve a rental car.
Returning Purchases - Store return policies may vary. You may receive a credit to your card, a cash refund or even a store credit, depending on the particular store. A credit to your account may take up to one week to process before it is available for use.

What is the difference between ATIRAreload and a debit card, a credit card or a gift card?

An ATIRAreload card is different from a debit card because your ATIRAreload card is not directly linked to your checking account at Alliant Credit Union. It is different from a credit card because the money that is on your ATIRAreload card is funded by you. Your ATIRAreload is different from an ATIRAgift card because the gift card is a onetime use card (it cannot be reloaded).

How do I find out what the PIN number is for my ATIRAreload card?

By calling 866-466-0058 (954-377-4496 outside the U.S.), you will be provided the assigned PIN and then prompted to select a new PIN, if desired. Please refer to the ATIRAreload Fee Schedule at www.atirareload.com/fees for possible fees.

What do I do if my ATIRAreload card is lost or stolen?

If your card is lost or stolen, please call our customer service line immediately at 866-466-0058 (954-377-4496 outside the U.S.) to report the incident. A replacement card will be sent to you and the remaining balance on your lost or stolen card will be transferred to the new card. Please refer to the ATIRAreload Fee Schedule at www.atirareload.com/fees for possible fees.

How can I request additional ATIRAreload cards?

The additional card can be requested by calling 866-466-0058 (954-377-4496 outside the U.S.) or visiting www.atirareload.com. Please refer to the ATIRAreload Fee Schedule at www.atirareload.com/fees for possible fees.

Why do I need to activate my ATIRAreload card?

Activation is a security measure to prevent your card from being stolen out of the mail. Activation will require you to validate information to ensure that you have received your ATIRAreload card. The card must be activated before you are able to use it. Your ATIRAreload card can be activated by calling 866-466-0058 (954-377-4496 outside the U.S.) or visiting www.atirareload.com.

How do I allow another person to use my card?

You can order a secondary card by visiting www.atirareload.com or contact Alliant Credit Union. Simply complete the online registration form about the additional person. They will receive their own card number to the address you provided. The secondary cardholder will need to activate their card upon receipt.

What are the minimum and maximum load amounts for my ATIRAreload card?

The minimum load amount for the ATIRAreload card is $25.00. The maximum one time load for the ATIRAreload card is $5,000. The maximum value that can be on the ATIRAreload card at one time is $20,000.00.

Does the primary account holder need to have a social security number?

A Social Security Number or TIN is required for the primary cardholder.

Can I send another card to someone outside the U.S.?

Yes, but a U.S. address of the primary cardholder will need to be entered into the appropriate fields. The secondary card will be sent to the primary cardholder’s address. The primary cardholder can then ship the card to wherever it is needed.

How do I set up direct deposit with my ATIRAreload card?

Complete a direct deposit form at your employer directing all or a portion of your wages to your ATIRAreload account number. You can also set up direct deposit from your checking or savings account to your ATIRAreload card by visiting www.atirareload.com. Please refer to the ATIRAreload Fee Schedule at www.atirareload.com/fees for possible fees.

How can I access cash?

Use your PIN number to withdraw funds from any ATM where Visa debit cards are accepted. To withdraw funds from a financial institution, present the card to the teller and ask for a cash advance or withdrawal. In some instances, retailers will allow you to obtain cash back after making a purchase when you enter your PIN and select "debit" on the point of sale terminal. Please refer to the ATIRAreload card Fee Schedule at www.atirareload.com/fees for possible fees. To locate an ATM near you, visit www.atirareload.com/atm.

What does the term “for electronic use only” on my card mean?

This means that your card can only be used at merchant locations that use electronic terminals to process your transaction. Your card cannot be used with retailers that need to make an impression of your card.

Does the balance on my ATIRAreload card earn interest?

No, interest will not be applied to your ATIRAreload card balance.

Can I use my ATIRAreload card as a signature card?

Yes, the ATIRAreload card can be used to make purchases at almost all merchants that accept Visa debit cards. You can simply select "credit" and provide the merchant with your signature on the receipt at the point of sale terminal. Or, you can pay for purchases by selecting "debit" on the point of sale terminal and entering your PIN number.

Is there a limit to the number of ATIRAreload accounts I can have?

Each person is only allowed to have one card in their name but the primary cardholder can order up to six additional cards that will be attached to the same account.

What should I do when I've spent the original amount I put on the ATIRAreload card?

In most cases, you can simply add more money to your ATIRAreload card. You can reload by contact Alliant Credit Union, through direct deposit of your wages or on the web at www.atirareload.com. You will want to keep your card—even after the balance is depleted and you decide not to add additional money to it —in case you need to return any purchased items. You might be asked to present the card when returning items purchased with the card.

What if I want to purchase an item that costs more than the balance on my ATIRAreload card?

To make a purchase greater than the balance on your card, you will need to use a second payment method—cash, check, or credit card—to cover the difference. When making your purchase, you must tell the cashier in advance how much to deduct from your card and how much you will pay with the second payment method. However, not all merchants can handle these “split tender” transactions; and, if you try to purchase an item of greater value than your card balance, your card will be declined.

What should I do if my ATIRAreload card is declined?

If a transaction is declined, the merchant will let you know. To help prevent this, keep track of your balance by visiting www.atirareload.com or call 866-466-0058 (954-377-4496 outside the U.S.).

What if I change my mind and want to cancel a purchase?

If the merchant cancels a transaction at your request, it may take three to seven business days for the authorization hold to be removed from your card.

What if I need to return an item that I purchased with my ATIRAreload card?

Present your ATIRAreload card at the time of a merchandise return. If the merchant’s return policy allows it, the merchant will credit the amount of the purchase back onto your card. Remember to save your purchase receipts and your card even after the funds have been depleted, in case you have merchandise returns. When returning an item purchased online, have your card number available in order to process the return. The merchandise value will be credited back to your card within three to seven business days.

How long can I use my ATIRAreload card?

You can make purchases using your ATIRAreload card until the expiration date shown on the card, or until the value of the card has been depleted. Once the balance on your card has been depleted, you can add more money to your card at the financial institution where you purchased the card, through the direct deposit of your wages or on the web at www.atirareload.com.

What are the fees associated with my ATIRAreload card?

Please refer to the ATIRAreload Fee Schedule at www.atirareload.com/fees.

Does my ATIRAreload card have an expiration date?

Yes, the ATIRAreload card has an expiration date that is printed on the front of the card.

How do I renew my ATIRAreload card?

If your ATIRAreload account is active a new card will be sent to you at the address on the system. If your card is not active, you will not automatically receive a new card. If you wish to receive a new card, please call customer service at 866-466-0058 (954-377-4496 outside the U.S.). Be advised that cards can only be shipped to an address in the United States.

Is there a daily limit on how much cash I can withdraw from an ATM?

ATIRAreload cardholders are limited to a $500 per day withdrawal of funds from an ATM (some ATMs may have a lower daily limit). If additional funds are needed, the ATIRAreload card can be presented to a teller at any financial institution that accepts Visa debit cards for an additional amount to be withdrawn. Please refer to the ATIRAreload Fee Schedule at www.atirareload.com/fees for possible fees.

How can I track my spending?

Each month you can access, at no charge, an account statement detailing each deposit, purchase and withdrawal made with your card. Visit www.atirareload.com to access your account statements.

Can I build a credit history with my ATIRAreload card?

This is being considered as a future enhancement to the ATIRAreload card.

Will I be assessed ATM charges for using the ATIRAreload card at local financial institutions?

Please refer to the ATIRAreload Fee Schedule at www.atirareload.com/fees for ATM fees. Some financial institutions or ATM owners may assess a fee when using their ATMs for any purpose.

When I make a withdrawal at an ATM, the screen prompts me for account (e.g., Savings, Checking, Money Market, etc.). Which do I choose?

Always select CHECKING when making an ATM withdrawal.

Can I request balance inquires from an ATM?

Yes, you can request a balance inquiry from an ATM, although not all ATMs have this ability. The screen will ask you which transaction you want. Choose BALANCE INQUIRY. Then the screen will ask which account you want to access, choose CHECKING. Some financial institutions or ATM owners may assess a fee when using their ATMs for any purpose and not all ATMs will offer this function. Please refer to the ATIRAreload Fee Schedule at www.atirareload.com/fees for details.

Is my ATIRAreload card a credit card?

No, your card is a reloadable, Visa prepaid debit card, which means there is no credit line associated with it and no required credit approval. The card is funded by you. Please note that when making a credit transaction for a purchase and signing the receipt, it will not change your ATIRAreload card to a credit card, nor does it impact your credit history or rating.

How do I initiate a billing inquiry?

Please refer to the terms and conditions that came with your card or visit www.atirareload.com/terms for information on initiating a billing inquiry.

Can I use my ATIRAreload card to pay bills?

Yes, you can use your ATIRAreload card to pay bills or shop online.

Are there any conditions in which my ATIRAreload card would be closed?

If your ATIRAreload card has a zero balance and has not been used (transactions or value load) in the past 90 days, the card will be closed.

What is the difference between a Cash Advance and Unload Value?

The primary cardholder can unload value by visiting www.atirareload.com and logging into their account. A cash advance can only be initiated at a financial institution.

What is the Visa Readylink Network?

Visa ReadyLink is a convenient service that provides you with a simple and cost-effective way to add funds to your ATIRAreload card.

How do I find out if my card participates in Visa ReadyLink?

Just look for the Visa ReadyLink symbol on the back of your card or go to atirareload.com and look for the Visa Readylink locator.

What are the benefits of Visa ReadyLink?

Visa ReadyLink gives you an additional and convenient way of adding value to your ATIRAreload card and immediate access to those funds.

How do I complete a Visa ReadyLink load transaction?

Present your card, along with the funds to be loaded, to the cashier at any Visa ReadyLink location. Your card will be swiped, and your funds will be applied. The cashier will provide you with a receipt, and you'll have immediate access to your funds.

Are there any transaction fees associated with Visa ReadyLink?

You may be assessed a fee by participating retailers for each Visa ReadyLink load transaction. These fees, if any, are established independently by each participating retailer.

 

 
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Lost/Stolen Debit Cards: 866-508-2693 or Credit Cards: 800-234-5354  •  Routing Number: 273 974 633  •  Touch Tone Teller: 888-995-9959
 
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