11 Online Banks Offering Unbeatable Perks for the Savvy Saver

9. Alliant Credit Union

Alliant Credit Union keeps things simple but rewarding, offering an APY of about 3.10% on savings and generous ATM fee reimbursements. Anyone in the country can join by supporting an eligible charity—meaning you don’t have to work for a specific company. There are no monthly fees or minimum balances, so you truly get what you earn. The Alliant mobile app is robust, handling savings, checking, loans, and payments in one place. Their ATM network spans the US, making withdrawals easy no matter where you are. Alliant doesn’t offer big sign-up bonuses or flashy extras, and as a credit union, it might have a slightly slower account-opening process. But for folks who want solid rates from a member-driven bank that’s open to everyone, Alliant is a rock-solid option for stashing your cash.