Certificates of Deposit

build financial muscle. grow stronger.

A car, an education, a downpayment for a house. Whether you’re saving for a short-term goal or getting ready for retirement, Certificates of Deposit offer a low-risk way to grow your investment safely over time. Make a plan, breathe deep and watch your money grow.

Open an account

Get your Certificate of Deposit started today.

apply now

Low Opening Balance

Open with as little as $500 (with no monthly service fee) and watch it grow over time

Flexible Increments

Available in variable terms from three months to five years, so you can meet short or long-term goals

Auto-Renewable

Both regular and IRA certificates are available, and may be renewed automatically

Faster Deposits

No delays or hold times on direct deposits; applies to most payroll check deposits too²

Financial Advice

Our partnership with CFS¹ gives you free access to local, award-winning advisors

Digital Services

Mobile banking, text alerts, eStatements and WebBanking put all the tools in your hands

Specialty Certificates

Achieve the American dream sooner with the support of our unique product designed to help you save for the downpayment of your new home.

  • Open an account with as little as $50 with the option to add to it
  • Early withdrawal option after 12 months of saving
  • Ability to qualify for $500 towards closing cost

Learn MoreOpen Now

Relax knowing that the longer you wait, the more your rate increases, which means you’ll earn more money over time.

  • Smaller opening balances
  • Optional early withdrawal windows
  • Rate increase every six months
  • Competitive blended rates

For a limited time: Introducing our 24-Month Step Up Certificate with a blended rate of 1.51% APY³ and the ability to withdraw your funds penalty-free at 6, 12 or 18 months.

24 month Step Up Certificate rate tiers

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³APY: Annual Percentage Yield. The blended 24-Month rate is 1.51% APY is effective as of 06/07/2017. Minimum opening deposit: $250.00. Member must maintain minimum balance of $250.00 to earn dividends. Deposit must be new money that is not currently on deposit at the Credit Union. Early termination fees may apply. After 6 months from certificate opening and at six month intervals (6 months, 12 months, 18 months), member has a 10-day option to withdraw funds with no penalty. An early withdrawal penalty will be applied outside of these intervals. Fees may reduce earnings. Offer is available on IRA Certificates but not for Business Accounts. Limit one certificate per member. APY is effective as of 06/07/17 through 09/30/17. All products, services and terms are subject to change without notice.

Open an account

Get your Certificate of Deposit started today.

apply now

Calculators to keep your savings on track

Become a member

Make plans. Create your tomorrow.

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Disclosures

  • ¹ Non-deposit investment products and services are offered through CUSO Financial Services, L.P. (“CFS”), a registered broker-dealer (Member FINRA/SIPC) and SEC Registered Investment Advisor. Products offered through CFS: are not NCUA/NCUSIF or otherwise federally insured, are not guarantees or obligations of the credit union and may involve investment risk including possible loss of principal. Investment Representatives are registered through CFS. Allegacy Federal Credit Union has contracted with CFS to make nondeposit investment products and services available. The following words need to be in bold on all Allegacy Investment group pages where this disclosure is placed. (They are currently not in Bold) are not NCUA/NCUSIF or otherwise federally insured, are not guarantees or obligations of the credit union and may involve investment risk including possible loss of principal.
  • ² Faster Deposits: Some restrictions may apply.
  • All requirements must be met to earn highest dividends. Some transfer/withdrawal limitations and restrictions may apply. Fees may reduce the earnings.
  • Allegacy provides eStatements as a free service; however, you must sign up for eStatements to receive them.
  • On WebBanking, some restrictions may apply.
  • To use mobile banking or to get text alerts, you must first sign up for them. Allegacy does not charge a fee for these services, but your mobile carrier’s normal data rates apply.

Third Party Site Disclaimer

 

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