Alliant Credit Union vs Fidelity (Brokerage Cash)
Head-to-head comparison of Alliant High-Rate Savings and Fidelity Cash Management Account, updated daily.
Fidelity (Brokerage Cash) currently wins on APY: 4.05% vs 3.10%
| Feature | Alliant Credit UnionUpdated 1d ago | Fidelity (Brokerage Cash)Updated 1d ago |
|---|---|---|
| APY | 3.10% | 4.05%★ |
| Min opening deposit | $5 | $0★ |
| Min balance for APY | $100 | $0★ |
| Monthly fee | $0.00 | $0.00 |
| Insurance | NCUA | FDIC |
| Compounding | monthly | daily |
| ATM access | Yes | Yes |
| Check writing | No | Yes★ |
| Mobile app | Yes | Yes |
| Editor rating | 3.4 / 5 | 4.6 / 5★ |
Alliant Credit Union verdict
Alliant is included on this list as the credit union benchmark, not because the rate is competitive (it is not — about 150bps below the leaders). Choose Alliant only if you specifically want the credit union ownership model and the ATM network access.
Read full Alliant Credit Union review →Fidelity (Brokerage Cash) verdict
Fidelity's Cash Management Account is the cleanest "all-in-one" replacement for both checking and savings if you are willing to use a brokerage. The ATM fee reimbursement is industry-leading. Yield is slightly below the pure-play HYSAs but the convenience and integration usually justify it.
Read full Fidelity (Brokerage Cash) review →