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.
Consider your savings needs
Do you need a daily access savings, checking or bigger savings need?
Choose the accounts for you
Take a look at the accounts we offer below.
Open and begin saving
Click on the account to open online. You can also open in-person or via phone.
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.
What others are saying ...
Deborah S.I have been with this credit union about 40 years and living outside of Winston for many years I find the online banking so easy and convenient! The best part is the ease in transferring money with my two adult children.
— Lancaster, SC
View Our Rates
|
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 0.35% |
APY* 0.35% |
|
Balance $10,000 or more |
Dividend 0.35% |
APY* 0.35% |
|
Balance $5,000 or more |
Dividend 0.35% |
APY* 0.35% |
|
Balance $2,500 or more |
Dividend 0.35% |
APY* 0.35% |
|
Balance Up to $2,500 |
Dividend 0.35% |
APY* 0.35% |
|
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 0.35% |
APY* 0.35% |
|
Balance $10,000 or more |
Dividend 0.35% |
APY* 0.35% |
|
Balance $5,000 or more |
Dividend 0.35% |
APY* 0.35% |
|
Balance $2,500 or more |
Dividend 0.35% |
APY* 0.35% |
|
Balance Up to $2,500 |
Dividend 0.35% |
APY* 0.35% |
|
Balance |
Dividend |
APY* |
|---|---|---|
|
*APY = Annual Percentage Yield. Rates are variable and subject to change. View Truth in Savings Disclosure. All balances earn 0.35% 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 0.35% |
APY* 0.35% |
|
Balance 4-7 YMCA visits |
Dividend 1.00% |
APY* 1.00% |
|
Balance 8-11 YMCA visits |
Dividend 1.10% |
APY* 1.10% |
|
Balance 12+ YMCA visits |
Dividend 1.30% |
APY* 1.30% |
|
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 0.35% |
APY* 0.35% |
|
Balance $2,000 or more |
Dividend 0.35% |
APY* 0.35% |
|
Balance Up to $2,000 |
Dividend 0.30% |
APY* 0.30% |
|
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 2.08% |
APY* 2.10% |
|
Balance $250,000.00 to $499,999.99 |
Dividend 1.98% |
APY* 2.00% |
|
Balance $100,000.00 to $249,999.99 |
Dividend 1.74% |
APY* 1.75% |
|
Balance Up to $99,999.99 |
Dividend 1.64% |
APY* 1.65% |
|
Term |
Balance |
Dividend |
APY* |
|---|---|---|---|
|
*APY = Annual Percentage Yield. Rate is effective as of 4.28.23. 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 1.44% - 1.64% |
APY* 1.45% - 1.65% |
|
Term 6 Month |
Balance $0.00 - $250,000.00+ |
Dividend 3.93% - 3.93% |
APY* 4.00% - 4.00% |
|
Term 9 Month |
Balance $0.00 - $250,000.00+ |
Dividend 1.93% - 2.13% |
APY* 1.95% - 2.15% |
|
Term 12 Month |
Balance $0.00 - $250,000.00+ |
Dividend 2.32% - 2.52% |
APY* 2.35% - 2.55% |
|
Term 18 Month |
Balance $0.00 - $250,000.00+ |
Dividend 2.42% - 2.62% |
APY* 2.45% - 2.65% |
|
Term 2 Year |
Balance $0.00 - $250,000.00+ |
Dividend 2.86% - 3.05% |
APY* 2.90% - 3.10% |
|
Term 3 Year |
Balance $0.00 - $250,000.00+ |
Dividend 3.00% - 3.20% |
APY* 3.05% - 3.25% |
|
Term 4 Year |
Balance $0.00 - $250,000.00+ |
Dividend 3.10% - 3.30% |
APY* 3.15% - 3.35% |
|
Term 5 Year |
Balance $0.00 - $250,000.00+ |
Dividend 3.10% - 3.30% |
APY* 3.15% - 3.35% |
|
Term Mortgage Saver (5 yr) |
Balance $0.00 - $50,000.00 |
Dividend 2.91% |
APY* 2.95% |
|
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 1.59% - 1.78% |
APY* 1.60% - 1.80% |
|
Term 6 Month |
Balance $0.00 - $250,000.00+ |
Dividend Rate 3.93% - 3.93% |
APY* 4.00% - 4.00% |
|
Term 9 Month |
Balance $0.00 - $250,000.00+ |
Dividend Rate 2.08% - 2.27% |
APY* 2.10% - 2.30% |
|
Term 12 Month |
Balance $0.00 - $250,000.00+ |
Dividend Rate 2.47% - 2.66% |
APY* 2.50% - 2.70% |
|
Term 18 Month |
Balance $0.00 - $250,000.00+ |
Dividend Rate 2.57% - 2.76% |
APY* 2.60% - 2.80% |
|
Term 2 Year |
Balance $0.00 - $250,000.00+ |
Dividend Rate 3.00% - 3.20% |
APY* 3.05% - 3.25% |
|
Term 3 Year |
Balance $0.00 - $250,000.00+ |
Dividend Rate 3.15% - 3.34% |
APY* 3.20% - 3.40% |
|
Term 4 Year |
Balance $0.00 - $250,000.00+ |
Dividend Rate 3.25% - 3.44% |
APY* 3.30% - 3.50% |
|
Term 5 Year |
Balance $0.00 - $250,000.00+ |
Dividend Rate 3.25% - 3.44% |
APY* 3.30% - 3.50% |
|
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 0.35% |
APY* 0.35% |
|
Balance Daily balance of $10,000 or more |
Dividend 0.35% |
APY* 0.35% |
|
Balance Daily balance of $5,000 or more |
Dividend 0.35% |
APY* 0.35% |
|
Balance Daily balance of $2,500 or more |
Dividend 0.35% |
APY* 0.35% |
|
Balance Daily balance up to $2,500 |
Dividend 0.35% |
APY* 0.35% |
Calculators
Calculators to keep your savings on track.
Get Started
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