SmartRate Checking gives you a little extra. Premium dividends + no monthly fee*. Open now »

SmartRate Checking gives you a little extra.

Premium dividends
No monthly fee
Nationwide ATM refunds
Switching made easy

SMALL BUSINESS AUTO LOANS
as low as 3.75% APR

Quick
Approval
Time

Easy
Application
Process

Saving you time so you can focus on what’s most important

See terms and conditions.

earn money
on savings
you can use

Get higher yields
with tiered rates.
Open and fund online.
Earn up to 0.35% APY^*

Money Market

Take the
easy way home.

auto loan rates as low as

2.64 ^% _APR

New, Used + Refinanced

Rates based on credit worthiness.

apply now

24/7 safe + secure access

download the 5-star mobile app today

pay bills + manage funds remotely

bank from home or on the go

see all your options

COVID-19
Response

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

learn more

SmartRate Checking gives you a little extra. Premium dividends + no monthly fee*. Open now »

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.

find out what we mean

New + noteworthy offers:

casual-looking business woman in bright office

Small businesses are the backbone of the community. That’s why we have a Small Business Specialist at every location offering convenient services + resources. Let us help your business be its best.

Mid adult mother practicing yoga with toddler daughter

Fewer fees mean more of everything else. Premium dividends, No monthly fee, Nationwide ATM refunds and
Switching made easy.

open now

Did you know?

How do you measure a healthy life? Great food, plenty of motion, a mix of work, rest and play. Financial fitness too, of course. At Allegacy, we strive for wellness of mind, body and wallet, because we believe that a truly healthy life means having healthy finances. That belief shows in everything we do — from the values we cultivate in our team, to the resources we offer our members.

find out what we mean

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.

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.

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.

Member Perks

We have discounts for you on food, theme parks and more

Lost or Stolen Card

Worried about a missing card? Here’s what you need to know.

Tell friends and family about the great benefits at Allegacy

Get Involved

We’re making our community healthier, won’t you join us?

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 ...

Spend Smarter

Manage spending and transactions your way

Buy a Car

Need wheels? We can help you work on that

Buy a Home

You may be closer to a nest than you think

Grow Your Business

Strategic tools to bring you to the next level

Save Smarter

Grow faster + smarter with the right savings

Plan for Your Future

Advice and tools to help you chart your course

Work on Your Credit

Identify what you can do to help raise your score

Manage on the Go

Mobile transfers, bill pay, alerts and more

Let's make this happen

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

be your best you

Webinars + Events

Jul

Financial Workshop: Credit Score 101

Aug

Financial Workshop: Financing Education

Sep

Financial Workshop: Maximizing Employee Benefits

See all events »

Allegacy News

March 18, 2020
Allegacy and State Employees’ Credit Union Announce
Efforts to Keep Staff, Members Safe

June 21, 2019
Allegacy Named A “Best Places to Work”

January 22, 2019
Allegacy Plans Third Guilford County Location

See all news »

Today's Rates

Checking

SmartRate Checking

0.50% APY

Savings

AllHealth Wellness

0.10% - 1.05% APY

Certificates

0.10% - 0.60% APY

Loans

Mortgage Eliminator

as low as 2.94% APY

Auto

as low as 2.64% APY

Important terms and conditions

See all rates »

Let's be 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.