Find Your Best Savings Account

Choose the smartest way to grow your money.

We’ll help you get started.

Here are a few choices of different ways to save and grow your money with Allegacy. Plus, we are always here to have a conversation.

Why get a savings account with Allegacy?

We are here to make help guide you to make smart financial choices. Savings is key to your financial wellness from having extra funds for emergencies to planning for your retirement. Each step along that journey, we have an account, tools and staff to help you to the next step.

Number One class="wrapper">

Consider you savings needs

Do you need a daily access savings, checking or bigger savings need?

Number Two class="wrapper">

Choose the accounts for you

Take a look at the accounts we offer below.

Number Three class="wrapper">

Open and begin saving

Click on the account to open online. You can also open in-person or via phone.

Number Four class="wrapper">

Let us help you stay on track

Our digital banking tools such as money management in WebBanking and our mobile app keep you on point.

Savings Options

Which of the following options apply to you? Select all that apply.

Open an Account.

Get started today! Open your account online now.

Open Now

What others are saying ...

Working with the loan officer exceeded my expectations. We have been members of Allegacy for many years and we have continually been pleased with the response of all employees. We are thankful loyal customers.

Bruce G.
— member for over 7 years

View Our Rates

Daily Access Savings

Balance

Dividend

APY*

*APY = Annual Percentage Yield. Rates are variable and subject to change. View Truth in Savings Disclosure.

Balance

$25,000 or more

Dividend

0.10%

APY*

0.10%

Balance

$10,000 or more

Dividend

0.10%

APY*

0.10%

Balance

$5,000 or more

Dividend

0.10%

APY*

0.10%

Balance

$2,500 or more

Dividend

0.10%

APY*

0.10%

Balance

Up to $2,500

Dividend

0.10%

APY*

0.10%

Beginners Best Kids Savings

Balance

Dividend

APY*

*APY = Annual Percentage Yield. Rates are variable and subject to change. View Truth in Savings Disclosure.

Balance

$25,000 or more

Dividend

0.10%

APY*

0.10%

Balance

$10,000 or more

Dividend

0.10%

APY*

0.10%

Balance

$5,000 or more

Dividend

0.10%

APY*

0.10%

Balance

$2,500 or more

Dividend

0.10%

APY*

0.10%

Balance

Up to $2,500

Dividend

0.10%

APY*

0.10%

AllHealth Wellness Savings

Balance

Dividend

APY*

*APY = Annual Percentage Yield. Rates are variable and subject to change. View Truth in Savings Disclosure.

All balances earn 0.10% APY. 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. Qualifying fitness facilities are defined as: (1) YMCA of Northwest 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 deposit rate schedule.

Balance

0-3 YMCA visits

Dividend

0.10%

APY*

0.10%

Balance

4-7 YMCA visits

Dividend

0.75%

APY*

0.75%

Balance

8-11 YMCA visits

Dividend

0.85%

APY*

0.85%

Balance

12+ YMCA visits

Dividend

1.05%

APY*

1.05%

Vacation Club Savings

Balance

Dividend

APY*

*APY = Annual Percentage Yield. Rates are variable and subject to change. View Truth in Savings Disclosure.

Balance

$100,000 or more

Dividend

0.15%

APY*

0.15%

Balance

$2,000 or more

Dividend

0.15%

APY*

0.15%

Balance

Up to $2,000

Dividend

0.10%

APY*

0.10%

High Tier Money Market Account

Balance

Dividend

APY*

*APY = Annual Percentage Yield. Rates are variable and subject to change. View Truth in Savings Disclosure.

Balance

$500,000.00 or more

Dividend

0.65%

APY*

0.65%

Balance

$250,000.00 to $499,999.99

Dividend

0.60%

APY*

0.60%

Balance

$100,000.00 to $249,999.99

Dividend

0.55%

APY*

0.55%

Balance

Up to $99,999.99

Dividend

0.05%

APY*

0.05%

Certificates

Term

Balance

Dividend

APY*

*APY = Annual Percentage Yield. Rate is effective as of 9.14.22

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.

Term

3 Month

Balance

$0.00 - $250,000.00+

Dividend

0.75% - 0.75%

APY*

0.75% - 0.75%

Term

6 Month

Balance

$0.00 - $250,000.00+

Dividend

0.85% - 1.00%

APY*

0.85% - 1.00%

Term

9 Month

Balance

$0.00 - $250,000.00+

Dividend

0.90% - 1.04%

APY*

0.90% - 1.05%

Term

12 Month

Balance

$0.00 - $250,000.00+

Dividend

1.29% - 1.44%

APY*

1.30% - 1.45%

Term

18 Month

Balance

$0.00 - $250,000.00+

Dividend

1.39% - 1.54%

APY*

1.40% - 1.55%

Term

2 Year

Balance

$0.00 - $250,000.00+

Dividend

1.54% - 1.69%

APY*

1.55% - 1.70%

Term

3 Year

Balance

$0.00 - $250,000.00+

Dividend

1.64% - 1.78%

APY*

1.65% - 1.80%

Term

4 Year

Balance

$0.00 - $250,000.00+

Dividend

1.78% - 1.93%

APY*

1.80% - 1.95%

Term

5 Year

Balance

$0.00 - $250,000.00+

Dividend

2.03% - 2.18%

APY*

2.05% - 2.20%

Term

Mortgage Saver (5 yr)

Balance

$0.00 - $50,000.00

Dividend

0.50%

APY*

0.50%

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.

Term

3 Month

Balance

$0.00 - $250,000.00+

Dividend Rate

0.90% - 0.90%

APY*

0.90% - 0.90%

Term

6 Month

Balance

$0.00 - $250,000.00+

Dividend Rate

1.00% - 1.14%

APY*

1.00% - 1.15%

Term

9 Month

Balance

$0.00 - $250,000.00+

Dividend Rate

1.04% - 1.19%

APY*

1.05% - 1.20%

Term

12 Month

Balance

$0.00 - $250,000.00+

Dividend Rate

1.44% - 1.59%

APY*

1.45% - 1.60%

Term

18 Month

Balance

$0.00 - $250,000.00+

Dividend Rate

1.54% - 1.69%

APY*

1.55% - 1.70%

Term

2 Year

Balance

$0.00 - $250,000.00+

Dividend Rate

1.69% - 1.83%

APY*

1.70% - 1.85%

Term

3 Year

Balance

$0.00 - $250,000.00+

Dividend Rate

1.78% - 1.93%

APY*

1.80% - 1.95%

Term

4 Year

Balance

$0.00 - $250,000.00+

Dividend Rate

1.93% - 2.08%

APY*

1.95% - 2.10%

Term

5 Year

Balance

$0.00 - $250,000.00+

Dividend Rate

2.18% - 2.32%

APY*

2.20% - 2.35%

IRAs

Balance

Dividend

APY*

*APY = Annual Percentage Yield. Rates are variable and subject to change. View Truth in Savings Disclosure.

Balance

Daily balance of $25,000 or more

Dividend

0.20%

APY*

0.20%

Balance

Daily balance of $10,000 or more

Dividend

0.20%

APY*

0.20%

Balance

Daily balance of $5,000 or more

Dividend

0.20%

APY*

0.20%

Balance

Daily balance of $2,500 or more

Dividend

0.20%

APY*

0.20%

Balance

Daily balance up to $2,500

Dividend

0.20%

APY*

0.20%

Calculators

Calculators to keep your savings on track.

Get Started

Open Online
Open Now
Visit a Financial Center
Find a Location Near You
Schedule an Appointment
Reserve a time