Welcome to Allegacy Federal Credit Union

Flex Home Equity Line of Credit

Access your home’s wealth

Learn More

Flex HELOC

Today’s Rates

Auto Loans as low as
as low as 5.44%
APR¹
SmartRate Checking
3.00%
APY²
Mortgage Eliminator Loan as low as
as low as 5.85%
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.

The Allegacy team members are phenomenal! I have had such great interactions from the tellers to the loan officers. Super Company!!!

Kathy
— Winston-Salem, NC

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.

Allegacy Visa Credit Cards

Introductory 0% APR4 for 18 months on purchases and balance transfers made within the first 12 months! Variable rate after that, as low as 12.40% APR4

See important terms + conditions.
Apply Online

Feature Money Market

3.75% APY‡

Up to $250,000
Easy access to your funds

See important terms + conditions.
Open Now

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.

  • Allegacy donated nearly
    3%

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

  • Allegacy has paid back
    $22M+

    in dividends to members with deposit accounts

  • Allegacy funded nearly
    $164M

    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

  • 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 →

  • Woman with shopping bags in city

    Why We Overspend

    Often, our spending decisions are ruled by feelings. When our willpower is low and suggestive advertising is prevalent, we may fall victim to certain triggers and spending traps. Understanding how … Continue reading →

  • Culture

    The Importance of a Cultural Fit

    During a job interview, the company is looking for far more than verifying a list of qualifications. They want to meet you and determine if you’d be a ‘good fit’ … Continue reading →

Latest News

Allegacy Federal Credit Union Expands Leadership Team with Robert Gray as New SVP of Business Services
WSSU Students to Benefit from Expanded Food and Clothing Resources Through Allegacy Federal Credit Union Partnership
Allegacy Awareded Grant Funds to Actively Support the Financial Wellbeing of Foster Youth
Allegacy and UNC Greensboro Partner to Host “Community Tech Night”
Allegacy Hosts 25th Annual “Don’t Wait” Golf Tournament To Increase Early Cancer Awareness and Detection

October 8, 2024
Roll The Quad NIL Collective Announces Partnership with Allegacy Federal Credit Union

Disclosures

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.