Alliant Credit Union vs American Express National Bank
Head-to-head comparison of Alliant High-Rate Savings and American Express High Yield Savings, updated daily.
American Express National Bank currently wins on APY: 3.20% vs 3.10%
| Feature | Alliant Credit UnionUpdated 1d ago | American Express National BankLive |
|---|---|---|
| APY | 3.10% | 3.20%★ |
| 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★ | No |
| Check writing | No | No |
| Mobile app | Yes | Yes |
| Editor rating | 3.4 / 5 | 4.0 / 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 →American Express National Bank verdict
Amex is the bank you pick when you want zero surprises. It will rarely lead the APY tables, but it will also rarely fall to the bottom — Amex tends to track the Fed Funds rate cleanly. Best for existing Amex card customers who value consolidation.
Read full American Express National Bank review →