Available for a short time

Certificate Specials

5.50% APY* 5-Month New Funds
5.10% APY** 14-Month

See terms + conditions

Open Today!

Young couple in home kitchen arranging wildflowers in a vase

Today’s Rates

Auto Loans as low as
5.59%
APR¹
SmartRate Checking
3.00%
APY²
Mortgage Eliminator Loan as low as
6.27%
APR³
View all Rates »
See important terms and conditions

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

Financial fitness is part of a balanced life.

Associates are friendly, courteous, professional and knowledgeable.

Sarah
— member for over 7 years

Doing the right thing, for our members and our community.

We put our members first at every turn, and focus on their wellbeing. It’s not just a promise, it’s something we believe in. It’s our way of helping you be your best.

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Offering the right choices

From a selection of innovative products and services to a collection of digital and in-person ways to connect, you will find options here.

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Providing the right guidance

We believe that by making smart choices, you can take control of your finances. And we’re here to support you in that journey.

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Knowing what's right and making it happen

At Allegacy, there’s a common thread that runs through all of us. It’s our promise to members to always do the right thing for their wellbeing.

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Diverse financial resources

We are always listening to our members’ needs and providing the tools to address them. When you’re in charge of your financial future, we’re happy.

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Loan products that unlock possibilities

From low-rate auto loans to mortgages to home equity loans and lines of credit, we have the financing to help you do something special.

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Investment planning services

Wherever you are in life, you can get where you want to go. It’s all about putting together a solid plan, making adjustments along the way, and then following through.

Best driving instructor, hard.
Best car loan, easy.

As low as as low as 5.59% APR for an Auto Loan

Apply Online

Earn money on balances with SmartRate Checking

Premium dividends, ATM refunds + no monthly fee when requirements are met.

See important terms + conditions.
Learn More

Being our best, together

When you become an Allegacy member, the benefits aren’t just individual. When you invest with us, we invest in arts, education, health and community service organizations throughout the Triad. It brings us joy to help our community thrive. It’s also the right thing to do.

  • In 2022, Allegacy donated nearly
    5%

    of our net income to support the community’s food insecurity, education + health + wellbeing

  • Helped members work towards reducing debt by
    $22K+

    on average

  • Allegacy funded nearly
    $120M

    in business loans to our local communities

Learn more about our community impact

Become a credit union member.

Join online now. The application takes about 10 minutes. Just have your ID, Social Security Number and funding account info ready.

Join Now

What’s happening at Allegacy

Here are a few other resources, pages and articles you might enjoy.

Trending Topics

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    At Allegacy Federal Credit Union, we believe in doing the right thing for your wellbeing and that means helping you make smart financial choices. Saving money is a smart financial … Continue reading →

  • Ten tips to help you prepare your home for winter.

    Ten tips to help you prepare your home for winter.

    Before the weather outside becomes frightful, make sure your winter will be delightful by preparing your home for the drop in temperature. Here’s a list of 10 tips to get … Continue reading →

  • two women cooking

    No Spend January

    Did your New Year’s resolutions include improving your financial wellness? Lori Timm, our Financial Education Manager, decided to try ‘no-spend’ January and this is what she learned along the way. … Continue reading →

Latest News

Allegacy Federal Credit Union Receives First Place Award from CUNA
Cathy Pace receives Carolinas Credit Union League 2023 Hero Award in Lifetime Achievement
Special Message from CEO Cathy Pace – Future Planning: The Personal Kind
Wake Forest University and Allegacy Federal Credit Union Announce Historic and Innovative Campus-wide Partnership to include Football Stadium Naming Rights
Allegacy Federal Credit Union Awards $13,500 in Scholarships To Local Students
Allegacy Federal Credit Union To Open Fourth Charlotte-Area Financial Center

Disclosures

*Stated APY of 5.50% is approximate, based on a dividend rate of 5.354% and the assumption that dividends compound in the certificate account without being withdrawn. APY is effective as of 10.24.23. New money is required. Minimum opening balance: $500 per account. Maximum opening balance: $1,000,000 per member’s social security number across all 5-month accounts. Opening balance over $1,000,000 per term may be moved to savings. Early withdrawal penalty may apply, fees may affect earnings. Business and IRA certificates can only be opened in a Financial Center. Limited-time offer may be withdrawn or changed at any time without prior notice.

**Stated APY of 5.10% is approximate, based on a dividend rate of 4.975% and the assumption that dividends compound in the certificate account without being withdrawn. APY is effective as of 9.5.23. Minimum opening balance: $500 per account. Maximum opening balance: $1,000,000 per member’s social security number across all 14-month accounts. Opening balance over $1,000,000 per term may be moved to savings. Early withdrawal penalty may apply, fees may affect earnings. Business and IRA certificates can only be opened in a Financial Center. Limited-time offer may be withdrawn or changed at any time without prior notice.

¹ APR= Annual Percentage Rate. All loans are subject to credit approval. Rates are based on your credit history and profile. Rates, terms and products subject to change without notice. APR as low as 5.59% is effective as of 10-19-23.

² APY = Annual Percentage Yield. Higher dividend rate is based on meeting all SmartRate Checking requirements. Requirements include: eStatements, 20 check card transactions and direct deposit (or ACH debit) per cycle. 3.00% APY is a variable rate and is effective as of 6/1/23. Balances of $25,000 or more earn a variable rate of 0.10% APY. Fees could reduce the earnings on the account.

³ All loans are subject to credit approval. Rates are based on your credit history and profile. Rates, terms, and products subject to change without notice. As of 10/25/2023, rates as low as 6.27% with terms of 7, 8, 9, 10, 12, or 15 years. All Allegacy real estate secured loans are subject to legal requirements in the member’s state of primary residence. Mortgage Eliminator Loans for primary or secondary residence are available in California, Connecticut, Delaware, District of Columbia, Florida, Georgia, Illinois, Indiana, Maryland, New Jersey, New York, North Carolina, Pennsylvania, South Carolina, Virginia, and West Virginia. For example, $100K loan for 10 years, at 5.77%, would have an approximate payment of $1, 098.69. Taxes and insurance not included, your actual payment obligation will be higher. Qualifying states pay little to no closing costs. Closing costs are fees charged by Allegacy at the closing of the transaction that may include property title search, flood certification and if deemed necessary, an appraisal fee.