Rates

SmartBalance Checking

Balance

Dividend

APY*

*APY = Annual Percentage Yield. Rates are variable and subject to change. See rate and fee schedule.

All balances

0.01%

0.01%

Learn more about SmartBalance Checking »

SmartRate Checking

Balance

Dividend

APY*

*APY = Annual Percentage Yield. Rates are variable and subject to change. See rate and fee schedule.

Up to $25,000

0.50%

0.50%

$25,000 or more

0.10%

0.10%

Any balance if requirements are not met

0.05%

0.05%

Learn more about SmartRate Checking »

Preferred Checking

Balance

Dividend

APY*

*APY = Annual Percentage Yield. Rates are variable and subject to change. See rate and fee schedule

$10,000 or more

0.10%

0.10%

$2,500 or more

0.05%

0.05%

Up to $2,500

0.05%

0.05%

Learn more about Preferred Checking »

Daily Access Savings

Balance

Dividend

APY*

*APY = Annual Percentage Yield. Rates are variable and subject to change. 

$25,000 or more

0.10%

0.10%

$10,000 or more

0.10%

0.10%

$5,000 or more

0.10%

0.10%

$2,500 or more

0.10%

0.10%

Up to $2,500

0.10%

0.10%

Learn more about Daily Access Savings »

AllHealth Wellness Savings

Balance

Dividend

APY*

*APY = Annual Percentage Yield. Rates are variable and subject to change. Rates are variable and subject to change. All balances earn 0.10% APY. Minimum balance required to open account and earn dividends is $5.00. Dividends are earned at different rates based on the number of visits made to one of qualifying facilities, in the previous month, based on the data provided by the facility on balances up to $10,000. Balances over $10,000 earn 0.10% APY. Qualifying fitness facilities are defined as: (1) YMCA of Northwest of North Carolina and (2) Leonard J. Kaplan Center for Wellness. Members can combine qualifying facilities on one account, however, only one visit per household per day and one account per household. All requirements must be met to earn highest dividends. Minimum balance required to open account and earn dividends is $5.00. Some transfer/withdrawal limitations and restrictions may apply. Fees may reduce the earnings. Offer only available to consumers. See rate and fee schedule.

All balances

0.10%

0.10%

Up to $10,000 + 4-7 YMCA visits

0.20%

0.20%

Up to $10,000 + 8-11 YMCA visits

0.50%

0.50%

Up to $10,000 + 12+ YMCA visits

1.00%

1.00%

Learn more about AllHealth Wellness Savings »

Health Savings Account (HSA)

Balance

Dividend

APY*

*APY = Annual Percentage Yield. Rates are variable and subject to change.

$25,000 or more

0.20%

0.20%

$10,000 or more

0.20%

0.20%

$5,000 or more

0.15%

0.15%

$2,500 or more

0.10%

0.10%

Up to $2,500

0.05%

0.05%

Learn more about Health Savings Account (HSA) »

Holiday Club Savings

Balance

Dividend

APY*

*APY = Annual Percentage Yield. Rates are variable and subject to change. 

$100,000 or more

0.10%

0.10%

$2,000 or more

0.10%

0.10%

Up to $2,000

0.05%

0.05%

Learn more about Club Savings Accounts (Holiday and Vacation) »

Vacation Club Savings

Balance

Dividend

APY*

*APY = Annual Percentage Yield. Rates are variable and subject to change. 

$100,000 or more

0.10%

0.10%

$2,000 or more

0.10%

0.10%

Up to $2,000

0.05%

0.05%

Learn more about Club Savings Accounts (Holiday and Vacation) »

Retail Money Market Account

Balance

Dividend

APY*

*APY = Annual Percentage Yield. Rates are variable and subject to change. 

$100,000 or more

0.30%

0.30%

$50,000 or more

0.20%

0.20%

$25,000 or more

0.15%

0.15%

$2,500 or more

0.05%

0.05%

Up to $2,500

0%

0%

Learn more about Retail Money Market Account »

Certificates of Deposit

Term

Balance

Dividend

APY*

*APY = Annual Percentage Yield.

Certificate rates subject to change without notice, penalty applied for early withdrawal of funds, fees may affect earnings. $500 minimum deposit for regular certificates. Please use the Secure Form in WebBanking to open a regular certificate or contact Member Services at 336.774.3400 / 800.782.4670.

Certificate rates available only for consumer accounts. For institutional rate inquiries or rates on our business products, please visit a Financial Center or contact Member Services at 336.774.3400 / 800.782.4670.

3 Month

$0.00 - $250,000.00+

0.20% - 0.25%

0.20% - 0.25%

6 Month

$0.00 - $250,000.00+

0.25% - 0.30%

0.25% - 0.30%

9 Month

$0.00 - $250,000.00+

0.30% - 0.35%

0.30% - 0.35%

12 Month

$0.00 - $250,000.00+

0.35% - 0.70%

0.35% - 0.70%

18 Month

$0.00 - $250,000.00+

0.45% - 0.80%

0.45% - 0.80%

2 Year

$0.00 - $250,000.00+

0.60% - 0.90%

0.60% - 0.90%

3 Year

$0.00 - $250,000.00+

0.90% - 1.09%

0.90% - 1.10%

4 Year

$0.00 - $250,000.00+

1.24% - 1.44%

1.25% - 1.45%

5 Year

$0.00 - $250,000.00+

1.44% - 1.73%

1.45% - 1.75%

Mortgage Saver (5 yr)

$0.00 - $50,000.00

1.44%

1.45%

See detailed rates tables for Certificates of Deposit »

Learn more about Certificates of Deposit »
Learn more about the Mortgage Saver Certificate »

IRA Certificates

Term

Balance

Dividend Rate

APY*

*APY = Annual Percentage Yield.

Certificate rates subject to change without notice, penalty applied for early withdrawal of funds, fees may affect earnings. $500 minimum deposit for IRA certificates.

3 Month

$0.00 - $250,000.00+

0.35% - 0.40%

0.35% - 0.40%

6 Month

$0.00 - $250,000.00+

0.40% - 0.45%

0.40% - 0.45%

9 Month

$0.00 - $250,000.00+

0.45% - 0.50%

0.45% - 0.50%

12 Month

$0.00 - $250,000.00+

0.50% - 0.85%

0.50% - 0.85%

18 Month

$0.00 - $250,000.00+

0.60% - 0.95%

0.60% - 0.95%

2 Year

$0.00 - $250,000.00+

0.75% - 1.04%

0.75%- 1.05%

3 Year

$0.00 - $250,000.00+

1.04% - 1.24%

1.05% - 1.25%

4 Year

$0.00 - $250,000.00+

1.39% - 1.59%

1.40% - 1.60%

5 Year

$0.00 - $250,000.00+

1.59% - 1.88%

1.60% - 1.90%

See detailed rates tables for IRA Certificates »

IRAs

Balance

Dividend

APY*

*APY = Annual Percentage Yield. Rates are variable and subject to change.

Daily balance of $25,000 or more

0.15%

0.15%

Daily balance of $10,000 or more

0.15%

0.15%

Daily balance of $5,000 or more

0.15%

0.15%

Daily balance of $2,500 or more

0.15%

0.15%

Daily balance up to $2,500

0.15%

0.15%

Learn more about IRAs »

Mortgage Rates

Program

Rate

Points

APR*

*APR = Annual Percentage Rate. Rates are subject to change without notice. Rates last updated on 10/11/2017 at 11:00 am (EST).

Mortgage rates are based on a 60-day rate lock. Under certain circumstances, a 60-day rate lock may not be available.

Mortgage rates are based upon a variety of assumptions and conditions.  The credit score used in this estimate may be higher or lower than your personal credit score.  A loan’s interest rate will depend upon specific characteristics of the loan and the credit history through the time of closing.

30 Year Fixed (Conforming)

4.000%

0.00%

4.116%

15 Year Fixed (Conforming)

3.250%

0.00%

3.449%

2/1 ARM (Conforming)

4.625%

0.00%

4.704%

5/1 ARM (Conforming)

3.625%

0.00%

3.754%

7/1 ARM (Conforming)

3.625%

0.00%

3.696%

FHA 15 Year (FHA)

3.250%

0.00%

3.786%

FHA 30 Year (FHA)

3.625%

0.00%

3.927%

VA 15 Year (VA)

3.125%

0.00%

3.322%

VA 30 Year (VA)

3.625%

0.00%

3.738%

Jumbo 30 Year (Jumbo)

3.875%

0.00%

3.990%

Jumbo 7/1 ARM (Jumbo)

3.250%

0.00%

3.319%

Jumbo-5/5 ARM (Jumbo)

4.875%

0.00%

4.934%

View NC Home Advantage Program rates »
Learn more about Mortgage Loans »
See Mortgage Loan payment examples »

Mortgage Eliminator Loan

Balance

APR*

*APR = Annual Percentage Rate.

**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 with terms of 7, 8, 9, 10 or 12 years. Mortgage Eliminator Loans are available in California, Connecticut, Delaware, District of Columbia, Georgia, Illinois, Indiana, New Jersey, North Carolina and Pennsylvania.

Primary Residence up to $750,000**

as low as 3.25%

Secondary Residence up to $750,000**

as low as 3.49%

Learn more about Mortgage Eliminator Loan »

Home Equity Line of Credit

Balance

APR*

*APR = Annual Percentage Rate. All Allegacy real estate secured loans are subject to legal requirements in the member’s state of primary residence. Equity Lines of Credit are available in the following states: California, Connecticut, Delaware, District of Columbia, Florida, Georgia, Illinois, Indiana, Maryland, New Jersey, New York, North Carolina, Pennsylvania, South Carolina, Virginia and West Virginia.

**Rate can never be below the floor rate (Floor Rate is 4% as of 2/28/2009). Annual Percentage Rate is subject to change during the term of the loan.

***Prime Rate as published in The Wall Street Journal, adjusted quarterly for equity, monthly for Visa. Maximum rate for Home Equity Lines of Credit is 18.00%.

***Home equity lines of credit are not available on secondary residences used as rental property. Secondary residences include beach, mountain, or lake homes used only by the property owner.

Primary Residence up to $350,000**

as low as Prime - 0.25%***

Secondary Residence**** up to $100,000**

as low as Prime + 0.25%***

Learn more about Home Equity Line of Credit »

 

Car Loans

Loan Type

Payroll Deduction or Automatic Draft APR*

Non-Payroll Deduction APR*

*APR = Annual Percentage Rate.

**Up to 100% of Purchase Price not to exceed 10% over the Manufacturer’s Suggested Retail Price (MSRP). Loan Rates subject to determination of creditworthiness.

***NADA retail value (based on creditworthiness), 90% of List Price if automobile does not appear in NADA Guide. Maximum age of vehicle: 7 years old. Maximum mileage cannot exceed 100,000 miles. Loan Rates subject to determination of creditworthiness.

****Loan Rates subject to determination of creditworthiness. Up to NADA retail value (based on creditworthiness). Maximum age of vehicle: 10 years old. Maximum mileage can exceed 100,000 miles. Maximum length of loan subject to loan amount:  $10,000+ up to 5 years; $5,000+ up to 4 years; and less than $5,000 up to 3 years.

New Vehicle (Term: 1-66 Months)**

as low as 2.19%

as low as 2.69%

New Vehicle (Term: 67-75 Months)**

as low as 2.64%

as low as 3.14%

New Vehicle (Term: 76-84 Months)**

as low as 2.99%

as low as 3.49%

Used Vehicle (Term: 1-48 Months)***

as low as 2.35%

as low as 2.85%

Used Vehicle (Term: 49-60 Months)***

as low as 2.64%

as low as 3.14%

Used Vehicle (Term: 61-66 Months)***

as low as 2.89%

as low as 3.39%

Used Vehicle (Term: 67-72 Months)***

as low as 3.14%

as low as 3.64%

Extended Mileage (Term: 1-48 Months)****

as low as 4.99%

as low as 5.49%

Extended Mileage (Term: 49-60 Months)****

as low as 5.19%

as low as 5.69%

Learn more about Car Loans »

Motorcycle Loans

Term

Payroll Deduction or Automatic Draft APR*

Non-Payroll Deduction APR*

*APR = Annual Percentage Rate.

**New – Up to 90% of purchase price not to exceed 10% over MSRP. Used – Up to 90% of NADA loan value.

Term: 60 Months**

as low as 7.25%

as low as 7.75%

Learn more about Motorcycle Loans »

Recreational Vehicle Loans

Loan Type

Payroll Deduction or Automatic Draft APR*

Non-Payroll Deduction APR*

*APR = Annual Percentage Rate. Annual Percentage Rate is subject to change during the term of the loan.

New Trailer/Tractors

10.00%

10.50%

New Boats and Motor Homes

10.00%

10.50%

Used Boat/Trailer/Tractors

11.00%

11.50%

Learn more about Recreational Vehicle Loans »

Student + Other Loans

Loan Type

Payroll Deduction or Automatic Draft APR*

Non-Payroll Deduction APR

*APR = Annual Percentage Rate. Annual Percentage Rate is subject to change during the term of the loan.

Student

6.75%

6.75%

Education 

as low as 9.75%

as low as 9.75%

Computer Loan

as low as 6.00%

as low as 6.50%

Learn more about Student Loans »

Installment Loans

Loan Type

Payroll Deduction or Automatic Draft APR*

Non-Payroll Deduction APR

*APR = Annual Percentage Rate. Annual Percentage Rate is subject to change during the term of the loan.

1. Up to 100% of Purchase Price not to exceed 10% over the Manufacturer’s Suggested Retail Price (MSRP)

Lifestyle Loan

9.85%

9.85%

Comaker

14.00%

14.50%

Unsecured1

as low as 14.25%

as low as 14.75%

Learn more about Lifestyle Loans »

Share Loans

Loan Type

Payroll Deduction or Automatic Draft APR*

Non-Payroll Deduction APR

*APR = Annual Percentage Rate. Annual Percentage Rate is subject to change during the term of the loan.

Share Loan

5.75%

6.25%

Learn more about Share Loans »

Line of Credit Options

Line of Credit Type

Payroll Deduction or Automatic Draft APR*

Payroll Deduction or Automatic Draft APR*

*APR = Annual Percentage Rate. Annual Percentage Rate is subject to change during the term of the loan.

Unsecured

11.50%

12.00%

Stock Secured

6.50%

7.00%

Share Secured

5.25%

5.75%

Overdraft Protection

11.00%

11.00%

Learn more about Line of Credit Options »

Single Payment

Single Payment

Payroll Deduction or Automatic Draft APR*

Non-Payroll Deduction APR

*APR = Annual Percentage Rate. Annual Percentage Rate is subject to change during the term of the loan.

Stock Loan

5.50%

5.50%

Share Loan

5.75%

5.75%

Personal Loan - Misc. Collateral

12.00%

12.00%

Unsecured Loan

13.50%

13.50%

For our current rates on our business banking products, please visit your local Financial Center or call Member Services at 336.774.3400 / 800.782.4670.

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