Mortgage Credit Certificate (MCC) Program

save ahead. invest bigger.

If you’re a veteran or a first-time homebuyer and you meet the income requirements for the Mortgage Credit Certificate Program, you may be able to get a tax credit of up to $2,000 on your new home, allowing you to make a bigger downpayment.

Apply for a loan

Find out if you're eligible for the MCC Program.

First-time Buyers

MCC is for veterans and first-time homebuyers who meet all eligibility requirements

Annual Tax Credit

You may be able to get a tax credit of up to $2,000 per year (primary residence only)

Put More Down

The MCC tax break is designed to help you afford to make a bigger downpayment

What others are saying

Allegacy team in foyer
Manny M.
North Carolina member

By far better than any bank I’ve ever been with. Don’t have to worry about all those fees and requirements. Hassle free banking.

Allegacy team in foyer
Gus K.

I have been an Allegacy member for a few years now. Overall, this has been a great experience. Their staff is very customer service oriented. There was a potential issue just before closing on our house, and one of the branch managers helped us work through the issue, personally seeing it through.

Allegacy team at community event
Patty S.
North Carolina member

It’s the finest CU I’ve used in my many years, very knowledgeable cashiers, managers and loan professionals.

Allegacy team in atrium
Kathy W.
North Carolina member

I have been a member with the Allegacy back when it was Reynolds Credit Union. Excellent service in the CU. Excellent service on the phone. Excellent app for my phone. Web site very user friendly. I highly recommend Allegacy FCU.

Allegacy team at community event
Tanzola M.

Great tellers with excellent customer service skills. Been using for over 10 plus years. Keep it up ladies and gents you rock.

Allegacy team at community event
Max S.

Very nice bank, staff is always ready to help with whatever you need.

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Calculators to help you choose the home of your dreams

Apply for MCC

See if you qualify for the MCC program.


  • Program eligibility criteria are subject to change without notice. Consult your tax advisor for potential tax savings. Visit the North Carolina Housing Finance Agency to learn more about the Mortgage Credit Certificate Program.

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