Find Your Best Savings Account

Choose the smartest way to grow your money.

We’ll help you get started.

Here are a few choices of different ways to save and grow your money with Allegacy. Plus, we are always here to have a conversation.

Why get a savings account with Allegacy?

We are here to make help guide you to make smart financial choices. Savings is key to your financial wellness from having extra funds for emergencies to planning for your retirement. Each step along that journey, we have an account, tools and staff to help you to the next step.

Consider your savings needs

Do you need a daily access savings, checking or bigger savings need?

Choose the accounts for you

Take a look at the accounts we offer below.

Open and begin saving

Click on the account to open online. You can also open in-person or via phone.

Let us help you stay on track

Our digital banking tools such as money management in WebBanking and our mobile app keep you on point.

Savings Options

Which of the following options apply to you? Select all that apply.

Open an Account.

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What others are saying ...

The ease of using the app and the convenience of the service is excellent.

Bradley
— Clemmons, NC

View Our Rates

Daily Access Savings

Balance	Dividend	APY*
*APY = Annual Percentage Yield. Rates are variable and subject to change. View Truth in Savings Disclosure.
Balance $25,000 or more	Dividend 0.15%	APY* 0.15%
Balance $10,000 or more	Dividend 0.15%	APY* 0.15%
Balance $5,000 or more	Dividend 0.15%	APY* 0.15%
Balance $2,500 or more	Dividend 0.15%	APY* 0.15%
Balance Up to $2,500	Dividend 0.15%	APY* 0.15%

Beginners Best Kids Savings

Balance	Dividend	APY*
APY = Annual Percentage Yield. Rates are variable and subject to change. View Truth in Savings Disclosure*.
Balance $25,000 or more	Dividend 0.35%	APY* 0.35%
Balance $10,000 or more	Dividend 0.35%	APY* 0.35%
Balance $5,000 or more	Dividend 0.35%	APY* 0.35%
Balance $2,500 or more	Dividend 0.35%	APY* 0.35%
Balance Up to $2,500	Dividend 0.35%	APY* 0.35%

AllHealth Wellness Savings

Balance	Dividend	APY*
*APY = Annual Percentage Yield. Rates are variable and subject to change. View Truth in Savings Disclosure. All balances earn 0.20% APY. Dividends are earned at different rates based on the number of visits made to one of qualifying facilities, in the previous month, based on the data provided by the facility. Qualifying fitness facilities are defined as: (1) YMCA of Northwest North Carolina and (2) Leonard J. Kaplan Center for Wellness. Members can combine qualifying facilities on one account, however, only one visit per household per day and one account per household. All requirements must be met to earn highest dividends. Minimum balance required to open account and earn dividends is $5.00. Some transfer/withdrawal limitations and restrictions may apply. Fees may reduce the earnings. Offer only available to consumers. See deposit rate schedule.
Balance 0-3 YMCA visits	Dividend 0.20%	APY* 0.20%
Balance 4-7 YMCA visits	Dividend 0.85%	APY* 0.85%
Balance 8-11 YMCA visits	Dividend 0.95%	APY* 0.95%
Balance 12 YMCA visits	Dividend 1.15%	APY* 1.15%

Vacation Club Savings

Balance	Dividend	APY*
*APY = Annual Percentage Yield. Rates are variable and subject to change. View Truth in Savings Disclosure.
Balance $100,000 or more	Dividend 0.35%	APY* 0.35%
Balance $2,000 or more	Dividend 0.35%	APY* 0.35%
Balance Up to $2,000	Dividend 0.30%	APY* 0.30%

Retail Money Market Account

Balance	Dividend	APY*
*APY = Annual Percentage Yield. Rates are variable and subject to change. View Truth in Savings Disclosure.
Balance $100,000.00 or more	Dividend 1.98%	APY* 2.00%
Balance $50,000.00 to $99,999.99	Dividend 1.88%	APY* 1.90%
Balance $25,000.00 to $49,999.99	Dividend 1.79%	APY* 1.80%
Balance $2,500.00 to $24,999.99	Dividend 1.49%	APY* 1.50%
Balance Up to $2,499.99	Dividend 1.49%	APY* 1.50%

High Tier Money Market Account

Balance	Dividend	APY*
*APY = Annual Percentage Yield. Rates are variable and subject to change. View Truth in Savings Disclosure.
Balance $500,000.00 or more	Dividend 2.28%	APY* 2.30%
Balance $250,000.00 to $499,999.99	Dividend 2.13%	APY* 2.15%
Balance $100,000.00 to $249,999.99	Dividend 1.98%	APY* 2.00%
Balance Up to $99,999.99	Dividend 0.05%	APY* 0.05%

Certificates

Term	Balance	Dividend	APY*
APY = Annual Percentage Yield. Rate is effective as of 3.29.24. Certificate rates subject to change without notice, penalty applied for early withdrawal of funds, fees may affect earnings. $500 minimum opening deposit for regular certificates. Please use the Secure Form in WebBanking to open a regular certificate or contact Member Services at 336.774.3400 / 800.782.4670. Certificate rates available only for consumer accounts. For institutional rate inquiries or rates on our business products, please visit a Financial Center or contact Member Services at 336.774.3400 / 800.782.4670. Some transfer/withdrawal limitations and restrictions may apply. Fees may reduce the earnings.*
Term 14 Month Special	Balance $500.00 - $1,000,000.00	Dividend 4.162%	APY* 4.25%
Term 3 Month	Balance $500.00 - $250,000.00	Dividend 3.198% - 3.198%	APY* 3.25% - 3.25%
Term 6 Month	Balance $500.00 - $250,000.00	Dividend 3.44% - 3.44%	APY* 3.50% - 3.50%
Term 9 Month	Balance $500.00 - $250,000.00	Dividend 2.62% - 2.81%	APY* 2.65% - 2.85%
Term 12 Month	Balance $500.00 - $250,000.00	Dividend 3.30% - 3.49%	APY* 3.35% - 3.55%
Term 18 Month	Balance $500.00 - $250,000.00	Dividend 3.30% - 3.49%	APY* 3.35% - 3.55%
Term 2 Year	Balance $500.00 - $250,000.00	Dividend 3.10% - 3.30%	APY* 3.15% - 3.35%
Term 3 Year	Balance $500.00 - $250,000.00	Dividend 3.20% - 3.39%	APY* 3.25% - 3.45%
Term 4 Year	Balance $500.00 - $250,000.00	Dividend 3.30% - 3.49%	APY* 3.35% - 3.55%
Term 5 Year	Balance $500.00 - $250,000.00	Dividend 3.30% - 3.49%	APY* 3.35% - 3.55%
Term Mortgage Saver (5 yr)	Balance $50.00 - $50,000.00	Dividend 2.91%	APY* 2.95%

IRA Certificates

Term	Balance	Dividend Rate	APY*
APY = Annual Percentage Yield. Certificate rates subject to change without notice, penalty applied for early withdrawal of funds, fees may affect earnings. $500 minimum deposit for IRA certificates.*
Term 14 Month Special	Balance $500.00 - $1,000,000.00	Dividend Rate 4.162%	APY* 4.25%
Term 3 Month	Balance $500.00 - $250,000.00	Dividend Rate 3.198% - 3.198%	APY* 3.25% - 3.25%
Term 6 Month	Balance $500.00 - $250,000.00	Dividend Rate 3.44% - 3.44%	APY* 3.50% - 3.50%
Term 9 Month	Balance $500.00 - $250,000.00	Dividend Rate 2.71% - 2.91%	APY* 2.75% - 2.95%
Term 12 Month	Balance $500.00 - $250,000.00	Dividend Rate 3.39% - 3.59%	APY* 3.45% - 3.65%
Term 18 Month	Balance $500.00 - $250,000.00	Dividend Rate 3.39% - 3.59%	APY* 3.45% - 3.65%
Term 2 Year	Balance $500.00 - $250,000.00	Dividend Rate 3.20% - 3.39%	APY* 3.25% - 3.45%
Term 3 Year	Balance $500.00 - $250,000.00	Dividend Rate 3.30% - 3.49%	APY* 3.35% - 3.55%
Term 4 Year	Balance $500.00 - $250,000.00	Dividend Rate 3.39% - 3.59%	APY* 3.45% - 3.65%
Term 5 Year	Balance $500.00 - $250,000.00	Dividend Rate 3.39% - 3.59%	APY* 3.45% - 3.65%

IRAs

Balance	Dividend	APY*
*APY = Annual Percentage Yield. Rates are variable and subject to change. View Truth in Savings Disclosure.
Balance Daily balance of $25,000 or more	Dividend 0.15%	APY* 0.15%
Balance Daily balance of $10,000 or more	Dividend 0.15%	APY* 0.15%
Balance Daily balance of $5,000 or more	Dividend 0.15%	APY* 0.15%
Balance Daily balance of $2,500 or more	Dividend 0.15%	APY* 0.15%
Balance Daily balance up to $2,500	Dividend 0.15%	APY* 0.15%

Calculators

Calculators to keep your savings on track.

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