.article__image { visibility: hidden; display: none; } Credit unions tend to offer better interest rates than banks do, but also have more narrow membership requirements and less slick technology. Learn Moreat AlliantEnter Alliant Credit Union, which combines the best of both worlds, with broad membership criteria, stellar rates and an excellent mobile app. If you’re shopping for a new checking or savings account, Alliant warrants a closer look. Alliant Credit Union may be right for you if: You want an interest-bearing checking account that doesn’t come with steep fees or high initial deposit requirements. You’re looking to bolster your nest egg by using a standard savings account with a strong rate. You don’t mind managing your accounts on a smartphone or computer if you don’t live near an Alliant branch. Pros Cons Excellent rates on checking and savings accounts A mobile app and online banking tool that are just as easy to use as those offered by national banks Broad membership requirements that mean anyone can join Alliant A high initial deposit requirement for certificates Limited physical locations; Alliant has branches in only five states and doesn’t participate in shared branching Alliant High-Rate Checking Monthly feesNone Minimum opening deposit$0, but to qualify for an account, members must sign up for free eStatements and have at least one monthly electronic deposit made to the account.