Simplify your debt into one payment. Rates as low as 6.99% APR*. Learn more »



One phone call

can do wonders.

Talk with a CFS* Financial Advisor about your retirement + financial concerns.

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24/7 safe + secure access

download the 5-star mobile app today

pay bills + manage funds remotely

bank from home or on the go

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Taking measures to ensure
the health and wellbeing of
our members, our employees,
and your families

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Take the
easy way home.

auto loan rates as low as
2.64 % APR
New, Used + Refinanced
Rates based on credit worthiness.

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Here for new additions, renovations and college educations.

1.99% APR
90 days*

then as low as
prime minus
0.25% APR*

Up to 100% financing

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See terms and conditions.

On purchases + balance transfers for 12 months

Rate of
0.00% APR*

then as low as
prime plus
4.90% APR*

Get the right card for ordering in.

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Additional terms and conditions apply.

Simplify your debt
into one payment.

Consolidation Loan
rates as low as
6.99 % APR
consider consolidation

Simplify your debt into one payment. Rates as low as 6.99% APR*. Learn more »

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be your best you.

be your best you.

helping members pursue wellness of mind, body and wallet since 1967.

with you on your journey, every step of the way.

How do you measure a healthy life? At Allegacy Federal Credit Union, we believe the answer is in the balance. It’s being wise in the choices you make. It’s pursuing wellness on every level. It’s working actively toward your goals, powered by the belief that you can get there. With humble roots in Winston-Salem and as one of the top performing credit unions in North Carolina, we know what a little hard work can do.

We want nothing more than for you to be your best you. So let’s get started.

Traders Row in downtown Winston-Salem

New + noteworthy offers:

father kissing cheek of baby being held by mother

Use your house’s equity to show your home more love. 1.99% APR* for 90 days, then as low as PRIME MINUS 0.25% APR*. See terms and conditions.

apply now
man driving convertible with dog in passenger seat

New, Used + Refinanced as low as 2.64%* Rates are based on creditworthiness.

apply now

Did you know?

When someone shares their wisdom with another, everyone benefits. At Allegacy, our goal is to help you think creatively about your path and do our best to help you reach your goals. As a credit union, we offer lower fees and higher earnings than you’d find at a bank. We’re member-owned and not-for-profit, and we measure success by how well we serve our members.

find out what we mean

woman reachin gfor produce in grocery store

Financial fitness is part of a balanced life.

older couple kissing and taking a selfie
Karen B.
member from Kernersville, NC

Easily answered all my questions and concerns. Very helpful and helped me know what I needed to do.

young sporty couple on bike ride
William P.
member from Winston-Salem, NC

Felt a personal connection with the Allegacy associates that I dealt with.

father and son taking a selfie photo with their beagle dog
Darrel D.
member since 2004

Great folks to guide us through the process.

two young women with dog in park
Angelia J.
member since 2005

I was treated with respect, trust and honor. The team that worked with me helped me get everything done in a timely fashion. I will always be grateful for all the help that was given to me.

What's your next goal?

Our Financial Advice tool can help you plot a path to your next goal in five questions or fewer.

My financial priority for the next year is to ...

Let's make this happen

Find out how we serve our members and why we care.

be your best you

Today's Rates

SmartRate Checking
0.50% APY
AllHealth Wellness
0.10% - 1.05% APY
0.10% - 0.60% APY
Mortgage Eliminator
as low as 2.79% APY
as low as 2.64% APY
See all rates »