Without a local PTA/PTO nearby, is $25. the least expensive option (via the National PTA) for membership in this credit union?

gwu1986 said:aptvictoria said:Without a local PTA/PTO nearby, is $25. the least expensive option (via the National PTA) for membership in this credit union?you can join our local PTSA for $10. http://www.fcps.edu/HerndonHS/ptsa/ptsa_org/Membership05-06.pdf
Is that a yearly or one-time amount?

cak144 said:It shouldn't make a difference whether it's yearly or a one time amount. As long as you're a member when you join Alliant. Once you're a member of Alliant, you're a member for life whether you keep the pta membership or not.correct. One time only.

yep...and even the share savings rate is outstanding! (4.35% apy) Hope they can keep it high in view of the newest fed rate cuts...but i understand that Alliant has for a long time had the reputation for having very high share savings rates and cds...so "comparatively" speaking they should always be "up there"

The online banking certainly is excellent...i just love using it...and they have even expanded their surcharge free network atm coverage...it's now at 75,000 atms nationwide through Coop/Allpoint/CU24/Alliance One....

They have really "won me over" and become my main (day to day) banking place...with BOA Checking just for that occassional local atm deposit to ach over to them....and i still have my Schwab Investor Checking along with my Investments at Schwab...but i must admit it has taken a "back seat" since i started using Alliant.....

aptvictoria said:craig10x said:I agree! I opened online yesterday, and am already totally set-up in the online banking with bill payees on, links getting set-up to external banks, and everything (yes, they do have their own ach transfer system!)....and Customer Service is outstanding....both on the phone and by e-mail...In fact, i e-mailed them a while ago and got a reply in 15 minutes!
Also Customer Service is 24/7 (unusual for a CU...probably because they are so big)....

Along with the excellent share and cd rates, they are a real standout....
Their 24/7 service is probably a carry-over from their days of exclusively catering to airline employees.

probably...that, and the fact they are huge...they are the 8th biggest CU in the country with over 200,000 members....
they were the United Airlines Employees Credit Union before they expanded their membership and became Alliant....

I'm interested in their jumbo CDs so we opened a joint account last night.

Interestingly they pulled a hard Equifax on me but not my husband.

The screen popped up with all kind of preapproved offers due to my "excellent credit score"

however, though the preapproved car loan and heloc (which I wasn't interested in were generous) the preapproved
credit card only had a 10K limit. I declined to accept it since I don't need any new personal credit cards
bringing down my average age. If the offer had been for 30K or higher I might have considered it.

Their CD rates look awesome though, so I'm happy to have this account. Does anyone have their credit cards?
Are they always that stingy?

craig10x said:yep...and even the share savings rate is outstanding! (4.35% apy) Hope they can keep it high in view of the newest fed rate cuts...but i understand that Alliant has for a long time had the reputation for having very high share savings rates and cds...so "comparatively" speaking they should always be "up there"

The online banking certainly is excellent...i just love using it...and they have even expanded their surcharge free network atm coverage...it's now at 75,000 atms nationwide through Coop/Allpoint/CU24/Alliance One....

They have really "won me over" and become my main (day to day) banking place...with BOA Checking just for that occassional local atm deposit to ach over to them....and i still have my Schwab Investor Checking along with my Investments at Schwab...but i must admit it has taken a "back seat" since i started using Alliant.....
craig10x,
Is there a reason why you didn't choose Provident Direct with its' 15 additional basis points? Or did you open accounts with both Alliance and Provident?

Looking at the Provident thread, it seems to me that Alliance is the better choice. For instance, PD only allows for one linked account. Up until last week, they only allowed $5K pushes out of their accounts. I'm still drawing up the list of pros and cons. Feel free to make note of additional Alliance positives in relation to what Provident Direct is offering. Thanks.

aptvictoria said:Regarding their Visa Check Card, does anyone have the maximum, daily ATM withdrawal/PoS purchase limits? How about the foreign currency conversion fee?

It's pretty generous....$2,000 on the daily debit card purchases....$1,000 daily on Atm Cash Withdrawals (if you have the debit/atm card which you get when you also have checking as well as savings...regular atm card is only $500.00)....

Not sure what the foreign conversion fee amount is.....though if you would call or e-mail them, i'm sure they would look it up for you....

No i didn't also open with Provident Direct because i felt Alliant CU has more advantages and flexibility...
There is no limit on how many external accounts you can link to their ach transfer system, their transfers are pretty fast as well...not next day...but two days....which is still faster then Cashedge (which is usually 3 days)...

And they DO NOT put any hold on the funds when they arrive in your account, they are available for use
IMMEDIATELY....

Their Customer Service is Outstanding and is Available 24/7 (not sure how Provident is).....The bill pay seems quite good as well....and you get lots and lots of surcharge free atm coverage, which Provident does not give you.....

They are now hooked up to COOP....CU24 Premium Service (which gives you both CU24 atms AND all the ALLPOINT atms) and Alliance One network....a total of about 75,000 free atms all across the country.....

And i'm not sure how Provident's online banking is...but Alliant's is OUTSTANDING...very easy to use, attractive, detailed information and completely in REAL TIME.....

And that's why i went with Alliant Credit Union...i think they are terrific....

gwu1986 said:aptvictoria said:Without a local PTA/PTO nearby, is $25. the least expensive option (via the National PTA) for membership in this credit union?you can join our local PTSA for $10. http://www.fcps.edu/HerndonHS/ptsa/ptsa_org/Membership05-06.pdf

Please pardon the newbie question but would I actually have to have a child in that school to apply to be a PTSA member? If not, what would I put in the application under "Student Name & Grade"?

Does anyone know if Alliant really checks to see if the applicant is a PTA member? The applicant selects Branch Local or National PTA member from a dropdown. How would Alliant verify membership or do they just take our word for it?

Thx

Rates just dropped. 12-17 mo jumbo is now 4.4% APY.
Rate Board