New, higher rate! Earn 0.55% APY* with our Online-Only Certificate. Secure your savings. Learn more »


Get your business goals in order.

Save Faster + Higher Yields + Tiered Dividends

Track Spending + Earn Competitive Rewards

learn more

Set your goals + simplify your debt.

Consolidation Loan
rates as low as
6.99% APR

consolidate today!

1:00 – 4:00 PM

SENIOR + High-Risk Appts
9:00-11:00 AM

Safe + Secure

Allegacy is open and here to serve you!

see all your options

New, higher rate! Earn 0.55% APY* with our Online-Only Certificate. Secure your savings. Learn more »

Young couple hiking, sitting on top of the rocks and enjoying the view Young couple hiking, sitting on top of the rocks and enjoying the view

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.

Senior couple on a hiking trip walking across a log with arms out for balance.

New + noteworthy offers:

dad helping son lift weight in open gym


Set smart goals this year :)

Pay down debt wisely: ✔️ Apply for Consolidation Loan
Earn on savings I can use: ✔️ Open a Money Market Account

get started today
woman talking on phone and viewing tablet in office space setting


Get your businesses goals in order.

Save Faster + Earn More: Open a business Money Market Account
Track Spending + Earn Rewards: Apply for a business credit card

learn more

Did you know?

It’s the satisfaction you get after a workout. It’s loving what you do, and spending time with those you love. It’s the countless things you check off your list every day. It’s the good that you accomplish with each positive choice. At Allegacy, we aim to help our members pursue balance in every sense of the word — closing the distance between the person you want to become, and the person you already are.

find out what we mean

Two friends jogging with headphones and fitness trackers

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 2.59% APY
as low as 2.49% APY
See all rates »