Borrow + Buy

Making the Most of a Test Drive

At Allegacy Federal Credit Union, we believe in helping you be your best throughout the car buying process, not just the financing. If you’re in the market for another vehicle, a test drive is your chance to see how the car drives and if there are any noticeable problems. Many times, there won’t be a lot of time to assess … Continue reading
teen driving with mom

5 Simple Steps for Smarter Car Buying

If you’ve ever asked friends or family members for advice before buying a car, you were probably surprised to learn that they are all experts in the art of the deal. Some swear by an “insider” tip they read online, while others simply don’t mind haggling for hours on end. When it comes down to it, you don’t need any … Continue reading
friends laughing in car

Pay Your Way

At Allegacy Federal Credit Union we believe in doing right for your wellbeing and that includes making sure your information is safe no matter how you choose to pay for your purchases using your Allegacy Visa Check or Credit Card. EMV Chip All Allegacy Visa Cards have EMV chip technology. Chip cards are safer than traditional magnetic strip cards because … Continue reading

Looking to Refinance? There May Be a Better Option

At Allegacy Federal Credit Union we believe in doing the right thing for your wellbeing and that includes making sure the financing for your largest investment is the right fit for you. When mortgage rates fall, many people look at refinancing their mortgage to lower their rate and/or shorten the term, potentially saving hundreds of dollars in interest. While this … Continue reading

We make homeownership more affordable.

At Allegacy Federal Credit Union, we believe in helping you be your best by offering products and services unique to your individual needs. Whether it’s your first home, vacation getaway, your dream retirement destination or even sprucing up the home you have,  we can guide you toward greater savings and smarter choices that will ensure many happy years at any address. … Continue reading
Couple with kids walking outside home

See What Fits: Finding the Right Mortgage for You

Homes aren’t one-size-fits-all. Neither are home loans. At Allegacy, we begin by evaluating the big picture before offering a personal solution designed to fit your lifestyle. With competitive rates and lower fees than most lenders, our mortgages are easy to live with today and for years to come. Your Offer Has Been Accepted. Now What? Once your offer has been accepted … Continue reading
family playing at home

The Credit Approval Process: What You Need to Know

Credit approval is an application for financing that helps determine which homes are in your price range. To get credit approved, you provide the same paperwork you would when making a formal loan request. The Loan Officer will ask you for employment and income verification and deposit and loan information. They will also pull a credit report to assess your credit history. … Continue reading
couple relaxing in new home

Defining Success: Teamwork + Being Unlike Your Bank

Allegacy recently received the following from a member who had received exceptional service from a team in the mortgage department. This story is unique because this member also happens to be an employee of another financial institution: Words cannot begin to express how grateful I am for the wonderful job Vendell Brooks did in processing my refinance. From start to … Continue reading
Mom + Daughter selfie in front of new home

It’s Your Equity, Why Not Use It?

Your home plays many roles. Besides being a place to rest your head, it’s an office, a gym and, if you have teenagers, it’s a 24-hour restaurant. Your home can help you save money, too. When you utilize the equity in your home, it becomes a smart borrowing option to help keep you financially fit as you pay for life’s … Continue reading
It’s Your Equity, Why Not Use It?

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