Alliant

The main advantage of credit unions over banks is that the latter has no public or private investors. It is these investors who get all profits. In a credit union, the members are also owners of assets so all income after expenses and capital reserves is distributed to the members. Credit unions in a manner of speaking are democratic financial or economic institutions.

Another important advantage is credit unions maximize returns to their members through high savings dividends, low loan rates and low fees. Banks seek to maximize returns to their investors by paying lower rates on deposits, charging higher rates on loans, and assessing more and higher fees.

Alliant Credit Union was formerly known as United Airlines Employees Credit Union. Established in 1935, this credit union was founded on the ideal of providing a safe institution to save and offer loans at fair rates to United Airlines employees.

Ranked as the 8^th largest credit union in the , it serves more than 207,000 members internationally and has assets amounting to nearly $4.4 billion.

Alliant Credit Unions’ mission is to promote thrift among members, create a source of credit at a fair and reasonable rate of interest, and to provide members with an opportunity to use and control their own money in order to improve their economic and social conditions.

The success of Alliant Credit Union lies in 4 principal values:

• Safety and Security
• High Dividends
• Cost Efficiency
• Competitive Priced Products and Professional Member Service

Alliant Credit Union is available exclusively to all United Airlines employees and retirees, select business affiliates, select employee groups, qualifying communities, family members and domestic partners. It is a “not-for-profit” or non-profit financial cooperative with its members as shareholders or owners of stock. Member savings accounts represent ownership in Alliant Credit Union. After deduction of operating expenses and reserve allocations, all income is returned to the member in the form of higher dividend and greater loan rates.

The benefits of membership to Alliant Credit Union are:

• Higher than average dividend payouts
• Superior, personal customer service
• Access to various financial products and services such as:
• Savings, Kidz Klub Savings, and IRAs
• Checking with a free VISA ATM/Check Card & a free first box of checks
• Platinum Rewards and Platinum Visa credit cards with
  no annual fee
• Nationwide mortgages and home equity loans and lines of credit
• Vehicle loans, Vehicle Service Agreements and Guaranteed Asset Protection (GAP)
• Direct deposit, overdraft protection and electronic funds transfer
• SkyBranch online banking with free Bill Pay
• Alliant Service Centers conveniently located in and near major airports throughout the
• Access to nearly 30,000 ATMs Nationwide
• Complimentary online vehicle buying resources
• Financial education and counseling services
• MEMBERS Auto and Homeowner Insurance

Alliant Credit Union Membership is available to persons who meet one of the eligibility requirements listed below:

• Any employee or retired employee of United Airlines, Inc., and its business affiliates including United Express, Mileage Plus, AirLiance, Orbitz, Integres, and United Loyalty Services
• Any employee or member of Life Time Fitness
• Any employee or member of National PTA
• Any employee of a Select Employee Group
• Any person related by blood or law to an existing member
• Any person who lives or works in the following Chicagoland communities: Arlington Heights, Bensenville, Des Plaines, Elk Grove, Elmhurst, Franklin Park, Harwood Heights, Itasca, Mount Prospect, Northlake, Niles, Norridge, Park Ridge, Prospect Heights, River Grove, Rolling Meadows, Rosemont, Schiller Park, Wood Dale and Chicago O'Hare Airport property
• Domestic partners of unmarried members who are not related by blood or by law