Welcome to Allegacy Federal Credit Union

Stated APY of 4.00% is approximate, based on a dividend rate of 3.922% and the assumption that dividends compound in the certificate account without being withdrawn. APY is effective as of 11.25.24. Minimum opening balance: $500 per account. Minimum balance to earn APY: $500. Maximum opening balance: $1,000,000 per member across all 7-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 Limited-time offer may be withdrawn or changed at any time without prior notice.**One free withdrawal of principal will be allowed during the initial 7-month term.

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 5.44% is effective as of 10-3-2024.

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 5.85% 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, a $100,000 loan financed for 120 months at 5.85% APR would result in an approximately monthly payment of $1,102.69. 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.

⁴APR = Annual Percentage Rate. 0% Introductory APR for 18 months on purchases and balance transfers made within 12 months of account opening. After that your variable APR will be between 12.40% to 17.40%, based on credit worthiness. This APR will vary with the market based on the Prime Rate. There will be a balance transfer fee of 3% of each transaction amount or minimum of $5.00, whichever is greater. After the promotional period ends, there will not be a balance transfer fee. There is no annual fee, but cash advance and foreign transaction fees may apply. Certain restrictions apply. All loans are subject to credit approval. Program, rates, terms and conditions are subject to change without notice. For additional terms and conditions, please refer to Signature Rewards Benefit Guide, Travel Accident and Baggage Delay Benefit Guide and Application + Solicitation disclosure.

‡APY = Annual Percentage Yield. Limit of one account per member. Effective date 05.01.25. Dividends are segmented according to account balance. First $250,000.00 per account will earn 3.75% APY (dividend rate 3.687%). Portion of balance above $250,000.00 will earn 0.15% APY (dividend rate 0.15%). A balance of $500,000.00 would result in a blended APY of approximately 1.95%. Fees may reduce earnings. Terms and conditions apply. Minimum opening deposit $50.00. No minimum balance is required to earn dividends. Rates and offer are subject to change at any time and without notice. Limit one account per member. Business and non-profit accounts must be opened in a Financial Center. Federally insured by NCUA.