Must be or become a member of Alliant Credit Union to be eligible for these offers. Visit www.alliantcreditunion.org for information regarding membership eligibility requirements.
1 APR=Annual Percentage Rate. Alliant new auto rates as low as 1.49% APR and used auto rates as low as 1.74% APR as of 09/01/2013. Loan approval, APR, downpayment required and other terms and conditions based on payment method, creditworthiness, collateral (including age of vehicle), and term of loan. Advertised rates include automatic payment option. Rates are 0.4% higher without automatic payment option. For pre-existing Alliant loans, members will have 1% added to their qualifying rate for refinancing. All loans are subject to approval. Rates, terms and conditions are subject to change. We may not extend credit to you if you do not meet Alliant criteria.
2 To qualify for the $100 bonus deposit offer, member must apply for an Alliant auto loan to finance a vehicle purchase or refinance a current vehicle loan (financed with another lender) between August 1, 2013, and December 31, 2013. The minimum loan amount is $10,000 to qualify. Member must be in good standing to receive bonus deposit. The $100 bonus deposit offer cannot be used in conjunction with any other vehicle loan offer. Member is responsible for any fees involved with transferring of title. One $100 bonus deposit per vehicle financed. Once we verify the loan amount, loan origination date and funding, we will deposit the $100 bonus deposit directly into the member's primary Alliant savings account. Please allow up to 60 days for the deposit to be made. Check the status of the bonus deposit on Alliant Online Banking. The $100 bonus deposit is considered as taxable income and will be paid as a special dividend and reported on IRS Form 1099-INT. Loans paid off within 90 days from disbursement are subject to a chargeback fee equal to the amount of the bonus deposit received. Offer expires December 31, 2013.
3 APY=Annual Percentage Yield. High Rate Checking dividends are paid on the last day of each month to checking accountholders who have opted out of receiving paper statements (receive eStatements only) and have a recurring monthly electronic deposit to their Alliant checking account each month (e.g., a direct deposit, payroll deposit, ATM deposit, eDeposit, eDepositPlus, mobile check deposit or transfer from another financial institution). Otherwise, Alliant checking accounts do not earn a dividend. The September 2013 High Rate Checking dividend is 0.65% APY. Annual Percentage Yield (APY) is accurate as of the 08/22/2013 dividend declaration date. Checking dividend may change after account is opened and is subject to change monthly. There is no minimum balance requirement to open an Alliant checking account or to earn the stated APY. Alliant checking is free; however, if incurred, fees such as a stop payment or NSF fee will apply. Please refer to the Alliant Fee Schedule at www.alliantcreditunion.org/services/fees/ for a list of these types of fees. Account is subject to approval. We may not open checking for you if you do not meet Alliant criteria.
4 To qualify for the $50 bonus deposit offer, member must open an Alliant checking account between August 1, 2013, and December 31, 2013, and meet the requirements of Alliant High Rate Checking by December 31, 2013, and remain in good standing. No minimum balance required to open the account or earn the bonus. Members who do not open checking or do not meet the high rate checking requirements during the timeframe do not qualify to receive the deposit. Offer cannot be used in conjunction with any other checking offer. Offer not valid for members with an Alliant checking account. One $50 bonus deposit per member. Once we verify qualifications, we will deposit the $50 bonus deposit directly into the member's account. Please allow up to 60 days for the deposit to be made. Check the status of the bonus deposit on Alliant Online Banking. The $50 bonus deposit is considered as taxable income and will be paid as a special dividend and reported on IRS Form 1099-INT. This account must remain open for at least six months or the bonus amount will be subtracted from your checking or savings account upon closing. The September 2013 High Rate Checking dividend is 0.65% APY. Annual Percentage Yield (APY) is accurate as of the 08/22/2013 dividend declaration date. Checking dividend may change after account is opened and is subject to change monthly. Offer expires December 31, 2013.
5 Surcharge-free ATMs include Alliant-owned ATMs and ATMs that are part of the Alliance One, Allpoint, Bank of the West, CO-OP Network, Credit Union 24 CU Here and Publix Presto networks. Transactions performed at other ATMs may be subject to the ATM owner's surcharge fee. Not all ATMs accept deposits. Please see our online ATM Locator at www.alliantcreditunion.org or on Alliant Mobile Banking for a list of ATMs that accept deposits or are surcharge-free.
6 An Alliant Checking account or Health Savings Account (HSA) is required for use with Alliant Bill Pay. There are no fees to maintain a Bill Pay account; however, if incurred, applicable fees will apply. Please refer to the Alliant Fee Schedule at www.alliantcreditunion.org/services/fees/ for a list of these types of fees.
7 APR=Annual Percentage Rate. Subject to approval. Rates, terms and conditions vary based on creditworthiness and qualifications and are subject to change. Refer to the VISA credit card disclosure at www.alliantcreditunion.org for details. Introductory rate offer is not valid for Alliant members with an Alliant Credit Union VISA credit card account. We may not extend credit to you if you do not meet Alliant criteria. The cash advance fee is 2% of the amount of the advance, but not less than $10. We will begin charging interest on cash advances on the transaction date. The foreign transaction fee is 1% of each transaction where the merchant country differs from the country of the card issuer. The minimum payment required is 3% of your balance or $25, whichever is greater, plus the amount of any prior minimum payments that you have not made.
8 Balance transfers must be transferred from any financial institution other than Alliant Credit Union. Balance transfers and cash advances may not be used to pay any Alliant accounts. Amounts transferred are subject to your available credit limit. We are not required to honor a balance transfer request that will cause you to exceed your available credit limit. We will not be responsible for late payment or non-payment to other card issuers. We are not responsible for fees that may be charged for cash advances performed at other financial institutions and ATM owners. It may take up to three weeks to set up the new VISA account and/or to post the balance transfer transaction. You should continue to make all required payments until you confirm that the balance transfer was made. We will not close your other accounts even if you transfer the entire balance. If you wish to close another account, you should contact the issuer directly.
9 VISA's Zero Liability policy covers U.S.-issued cards only and does not apply to ATM transactions, PIN transactions not processed by VISA or certain commercial card transactions. Cardholder must notify issuer promptly of any unauthorized use. For more information, visit http://usa.visa.com/personal/security/ visa_security_program/zero_ liability.html.
10 Cash Back option is redeemable as an account credit to your Alliant Credit Union Platinum Rewards VISA credit card account balance. There is a nominal fee included in the point cost
for statement credit and gift card redemptions.
11 To earn the 10,000 bonus Alliant Rewards points, new cardholder must spend $500 or more in qualifying purchases on his/her Alliant Credit Union Platinum Rewards VISA credit card during the first 90 days the account is opened. Points will be awarded and posted to the account, if applicable, by the fourth billing cycle after your account is opened.
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