Alliant Credit Union HELOC review 2026
Alliant Credit Union offers a variable-rate HELOC with a starting APR of Intro 3.99% (6 mo), then 6.75%–16.00% APR (variable, with autopay). It's best for low-fee, digital-only helocs with a 6-month intro rate, typically wants a credit score of 620 (per third-party reviews; Alliant does not officially publish a minimum) or higher, and lends up to Min $10,000 ($25,001 in WI and DC); maximum not published at a maximum combined loan-to-value of Up to 85% (80% in AZ, CA, CO, FL, GA, IN, MI, MO, NC, NV, TN, UT). Compare it against at least two other lenders before deciding — checking your rate through King of HELOC won't affect your credit.
Alliant Credit Union HELOC at a glance
| Starting APR | Intro 3.99% (6 mo), then 6.75%–16.00% APR (variable, with autopay) |
|---|---|
| Min. credit score | 620 (per third-party reviews; Alliant does not officially publish a minimum) |
| Max. loan | Min $10,000 ($25,001 in WI and DC); maximum not published |
| Max. CLTV | Up to 85% (80% in AZ, CA, CO, FL, GA, IN, MI, MO, NC, NV, TN, UT) |
| States | ~26 states + DC: AZ, CA, CO, CT, FL, GA, HI, IL, IN, KY, MA, MI, MN, MO, NC, NJ, NV, NY, OH, PA, TN, UT, VA, WA, WI, and DC |
| Best for | Low-fee, digital-only HELOCs with a 6-month intro rate |
Alliant Credit Union HELOC pros and cons
Pros
- No application, appraisal, or closing fees on HELOCs up to $250,000
- Low 3.99% six-month introductory rate; fully online application
Cons
- $50 annual fee after year one and $200 early-termination fee within 36 months
- Digital-only (no branches) and available in only about 26 states + DC
Who a Alliant Credit Union HELOC is best for
A Alliant Credit Union HELOC is best for low-fee, digital-only helocs with a 6-month intro rate. To qualify you'll generally need a credit score around 620 (per third-party reviews; Alliant does not officially publish a minimum), a debt-to-income ratio of 43% or less, and enough equity to keep your combined loan-to-value at or below Up to 85% (80% in AZ, CA, CO, FL, GA, IN, MI, MO, NC, NV, TN, UT). Strengthen any one of those before applying and you'll unlock better pricing — see our HELOC requirements guide and how to get the best HELOC rate.
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How this review was made (methodology)
Details above are compiled from public sources, including Alliant Credit Union's own published disclosures and third-party reviewers, and were accurate as of 2026-06-28. Rates are variable and change frequently. Ratings shown are third-party scores, attributed to their source — they are not King of HELOC's own ratings, and we don't publish invented ratings, rates, or customer reviews. Always confirm current terms on the lender's site before applying.
How we make money. King of HELOC is a marketing and lead-generation service, not a lender, and is not affiliated with or endorsed by Alliant Credit Union. We may be compensated by lending partners when you're matched with them, which can affect placement but never our editorial standards or the data on this page. All lines are subject to credit approval, income verification, and property valuation.
Compare other HELOC lenders
- Chase HELOC review — moderate lines and second-home helocs
- Bank of America HELOC review — low-fee helocs with intro rate and fixed-rate option
- U.S. Bank HELOC review — borrowers who want fixed-rate locks and no-closing-cost helocs
- See all best HELOC lenders →
Frequently asked questions
Is Alliant Credit Union a good HELOC lender?
Alliant Credit Union is best for low-fee, digital-only helocs with a 6-month intro rate. Independent reviewers rate it 4.2/5 (Bankrate). As with any HELOC, whether it's the best choice depends on your credit, equity, and state — compare it against at least two other lenders before deciding.
What credit score do you need for a Alliant Credit Union HELOC?
Alliant Credit Union typically looks for a credit score of 620 (per third-party reviews; Alliant does not officially publish a minimum) or higher. The lowest HELOC rates generally go to borrowers with 740+ credit, a low debt-to-income ratio, and a combined loan-to-value at or below Up to 85% (80% in AZ, CA, CO, FL, GA, IN, MI, MO, NC, NV, TN, UT).
How much can you borrow with a Alliant Credit Union HELOC?
Alliant Credit Union lends up to Min $10,000 ($25,001 in WI and DC); maximum not published on a HELOC, subject to a maximum combined loan-to-value of Up to 85% (80% in AZ, CA, CO, FL, GA, IN, MI, MO, NC, NV, TN, UT) of your home's value minus what you still owe on your mortgage.
What states does Alliant Credit Union offer HELOCs in?
~26 states + DC: AZ, CA, CO, CT, FL, GA, HI, IL, IN, KY, MA, MI, MN, MO, NC, NJ, NV, NY, OH, PA, TN, UT, VA, WA, WI, and DC Availability and terms can change, so confirm on Alliant Credit Union's site before applying.