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Alliant Bank

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Alliant Bank Rates & Review October 2026

Q: How many branches does Alliant Bank operate?

Alliant Bank currently maintains approximately 6 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, Alliant Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Alliant Bank provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 8, 2026

Alliant Bank rates are not currently in our database, but you can compare rates from other banks and credit unions we track: 12-month CD rates are currently at 2.89%, 6-month CD rates at 2.72% and 3-month CD rates at 2.54%. Savings rates are at 0.87% and money market rates are at 1.15%. Mortgage rates on 30-year fixed loans are around 7.38%. These rates come from our rate database, not Alliant Bank, and you can see how they compare in the Alliant Bank rate tables below. MonitorBankRates evaluates the financial stability of Alliant Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.14%. Database rates last updated and verified on 10/08/2026.

Alliant Bank money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Alliant Bank? Share your experience about Alliant Bank by leaving a review below, or read customer reviews before you decide to use Alliant Bank.

Verified Healthy Q2 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.14%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Alliant Bank

101 E Broadway St
Madison, MO 65263

https://www.alliantbank.com

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Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.

Alliant Bank Other Rates

Product	Rate	Points	APY/APR
Momentum Earn	-	-	3.00%
Min Deposit $50 Min Balance $500 Details Tier 1: Up to $15,000. Enhanced interest rate applies only to Momentum Earn. Maintain an average combined monthly balance of $100,000 in eligible deposit accounts to earn an additional 0.25% above the otherwise applicable interest rate on the account. The corresponding APY will vary depending upon the account balance, applicable tier, and whether the additional rate applies. Eligibility is determined each statement cycle based on eligible deposit accounts maintained by the primary account holder during the previous statement cycle. Eligible deposit accounts may include consumer checking, savings, money market, and certificate of deposit accounts owned by the primary account holder, unless otherwise excluded by the Bank. The Bank will determine eligible accounts in accordance with its account qualification criteria. ATM fee reimbursements apply only to Momentum Earn and Momentum Boost. You will receive ATM fee reimbursements up to an aggregate total of $15 for nationwide ATM withdrawal fees incurred within the account statement cycle. This includes fees charged/disclosed at the time of the transaction at the ATM terminal and fees charged by Alliant Bank for use of non-Alliant Bank owned ATMs. If you have not received an appropriate reimbursement, we will adjust the reimbursement amount if we receive the transaction receipt within sixty (60) calendar days of the withdrawal transaction. Nationwide ATM withdrawal fee reimbursements earned during a statement cycle will be credited to your account during the following statement cycle. Rewards less than a penny cannot be distributed. If the account is closed, you will forfeit any rewards that have not been credited to your account. Service charge: $8 per statement cycle, reduced to $5 by enrolling in e-statements. Fee refunded by enrolling in e-statements and one of the following: Average daily balance of $5,000 or greater; or 10 qualifying POS debit card transactions per statement cycle. Fee refunded if primary owner age 65+. Last Updated 10/07/2026 Rate History No change since Sep 29, 2026 · 3.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.14%
Momentum Earn	-	-	0.25%
Min Deposit $50 Min Balance $15,000 Details Tier 2: Greater than $15,000. Enhanced interest rate applies only to Momentum Earn. Maintain an average combined monthly balance of $100,000 in eligible deposit accounts to earn an additional 0.25% above the otherwise applicable interest rate on the account. The corresponding APY will vary depending upon the account balance, applicable tier, and whether the additional rate applies. Eligibility is determined each statement cycle based on eligible deposit accounts maintained by the primary account holder during the previous statement cycle. Eligible deposit accounts may include consumer checking, savings, money market, and certificate of deposit accounts owned by the primary account holder, unless otherwise excluded by the Bank. The Bank will determine eligible accounts in accordance with its account qualification criteria. ATM fee reimbursements apply only to Momentum Earn and Momentum Boost. You will receive ATM fee reimbursements up to an aggregate total of $15 for nationwide ATM withdrawal fees incurred within the account statement cycle. This includes fees charged/disclosed at the time of the transaction at the ATM terminal and fees charged by Alliant Bank for use of non-Alliant Bank owned ATMs. If you have not received an appropriate reimbursement, we will adjust the reimbursement amount if we receive the transaction receipt within sixty (60) calendar days of the withdrawal transaction. Nationwide ATM withdrawal fee reimbursements earned during a statement cycle will be credited to your account during the following statement cycle. Rewards less than a penny cannot be distributed. If the account is closed, you will forfeit any rewards that have not been credited to your account. Service charge: $8 per statement cycle, reduced to $5 by enrolling in e-statements. Fee refunded by enrolling in e-statements and one of the following: Average daily balance of $5,000 or greater; or 10 qualifying POS debit card transactions per statement cycle. Fee refunded if primary owner age 65+. Last Updated 10/07/2026 Rate History No change since Sep 29, 2026 · 0.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.14%
Momentum NOW	-	-	1.50%
Min Balance $100 Details Tier 1: Up to $25,000. Minimum Daily Balance to earn interest: $100. Monthly Service Charge: $3 per statement cycle. Fee waived by: Enrolling in e-statements; OR Primary account owner age 65+. Momentum Now : Minimum Daily balance to earn interest: $100. Daily balances up to and including $25,000.00 receive an APY of 1.50%; and daily balances over $25,000.00 earn an interest rate of 0.25% on the portion of the daily balance over $25,000.00. Last Updated 10/07/2026 Rate History No change since Sep 29, 2026 · 1.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.14%
Momentum NOW	-	-	0.25%
Min Balance $25,000 Details Tier 2: Greater than $25,000. Minimum Daily Balance to earn interest: $100. Monthly Service Charge: $3 per statement cycle. Fee waived by: Enrolling in e-statements; OR Primary account owner age 65+. Momentum Now : Minimum Daily balance to earn interest: $100. Daily balances up to and including $25,000.00 receive an APY of 1.50%; and daily balances over $25,000.00 earn an interest rate of 0.25% on the portion of the daily balance over $25,000.00. Last Updated 10/07/2026 Rate History No change since Sep 29, 2026 · 0.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.14%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Alliant Bank’s Texas Ratio rose from 1.03% in Q3 2023 to 3.14% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$256M	3.14%	5.0	A+
March 31, 2026	$264M	3.22%	5.0	A+
December 31, 2025	$267M	4.16%	5.0	A+
September 30, 2025	$264M	8.67%	5.0	A
June 30, 2025	$249M	8.71%	5.0	A
March 31, 2025	$249M	9.35%	5.0	A
December 31, 2024	$239M	9.71%	5.0	A
September 30, 2024	$243M	1.25%	5.0	A+
June 30, 2024	$220M	0.75%	5.0	A+
March 31, 2024	$210M	1.00%	5.0	A+
December 31, 2023	$204M	0.94%	5.0	A+
September 30, 2023	$204M	1.03%	5.0	A+

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Alliant Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Alliant Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Alliant Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Alliant Bank

Bank Holding Company NEMO BANCSHARES INC

Address 101 E Broadway St, Madison, MO 65263 · Monroe

Website https://www.alliantbank.com

FDIC Certificate # 1946

Established 18880220

FDIC Insurance Date 19340101

Domestic Offices 6

Total Branches 6

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 98/100

5.0

Exceptional Out of 5.0 Stars

3.14%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.0714%

Return on Equity (ROE) 12.5800%

Non-Performing Loans (NPL) 0.00%

Total Assets $256,378,000

Total Deposits $232,092,000

Equity Capital $22,922,000

Net Income $1,406,000

Headquarters Madison

Total Branches and Offices 6

Source: FDIC | Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Alliant Bank earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

<a href="https://monitorbankrates.com/banks/alliant-bank-rates-review-1946">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Frequently Asked Questions About Alliant Bank

How many branches does Alliant Bank operate?

Alliant Bank currently maintains approximately 6 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Alliant Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Alliant Bank provides members with tools to manage their accounts and build a solid financial history.

Does Alliant Bank offer online and mobile banking?

Most modern institutions like Alliant Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.alliantbank.com.