Certificates

Build financial muscle + grow stronger.

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

Feature Money Market
3.75%
APY‡
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Low Opening Balance

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

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Flexible Increments

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

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Auto-Renewable

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

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Faster Deposits

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

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Financial Advice

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

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Digital Services

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

View Our Rates

Certificates

Term

Balance

Dividend

APY*

*APY = Annual Percentage Yield. Rate is effective as of 05.07.25.

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

Some transfer/withdrawal limitations and restrictions may apply. Fees may reduce the earnings.

Term

7 Month Early Withdrawal Special

Balance

$500.00 - $1,000,000.00

Dividend

3.682%

APY*

3.75%

Term

3 Month

Balance

$500.00 - $250,000.00

Dividend

2.32% - 2.47%

APY*

2.35% - 2.50%

Term

6 Month

Balance

$500.00 - $250,000.00

Dividend

3.005% - 3.150%

APY*

3.05% - 3.20%

Term

9 Month

Balance

$500.00 - $250,000.00

Dividend

2.42% - 2.57%

APY*

2.45% - 2.60%

Term

12 Month

Balance

$500.00 - $250,000.00

Dividend

3.30% - 3.49%

APY*

3.35% - 3.55%

Term

18 Month

Balance

$500.00 - $250,000.00

Dividend

2.96% - 2.96%

APY*

3.00% - 3.00%

Term

2 Year

Balance

$500.00 - $250,000.00

Dividend

2.96% - 2.96%

APY*

3.00% - 3.00%

Term

3 Year

Balance

$500.00 - $250,000.00

Dividend

2.96% - 2.96%

APY*

3.00% - 3.00%

Term

4 Year

Balance

$500.00 - $250,000.00

Dividend

2.96% - 2.96%

APY*

3.00% - 3.00%

Term

5 Year

Balance

$500.00 - $250,000.00

Dividend

2.96% - 2.96%

APY*

3.00% - 3.00%

Term

Mortgage Saver (5 yr)

Balance

$50.00 - $50,000.00

Dividend

2.91%

APY*

2.95%

Calculators to keep your savings on track

Specialty Certificates

Online-Only Certificate

With a premium rate and a special 24-month term, our Online-Only Certificate is a simple, secure way to invigorate your savings and plan for your goals.

  • Minimum opening balance $1,000
  • Only available online
  • Early withdrawal penalty applies
  • Retail consumers only, business and non-profit not eligible
  • Offer including rate or terms may be modified or eliminated at any time

*APY: Annual Percentage Yield. The APY is 3.55% with a dividend rate of 3.489% for this 24 Month Certificate and is effective 03.29.24. Minimum opening: $1,000.00. Member must maintain minimum balance of $1,000.00 to earn dividends. Early withdrawal penalty may apply. Fees may reduce earnings. Offer is not available for businesses and non-profits. All products, services and terms are subject to change without notice.

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Mortgage Saver Certificate

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 more about the Mortgage Saver Certificate »

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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 non-deposit investment products and services available.
² Faster Deposits: Some restrictions may apply.
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.

 
‡APY = Annual Percentage Yield. Limit of one account per member. Effective date 05.01.25. Dividends are segmented according to account balance. First $250,000.00 per account will earn 3.75% APY (dividend rate 3.687%). Portion of balance above $250,000.00 will earn 0.15% APY (dividend rate 0.15%). A balance of $500,000.00 would result in a blended APY of approximately 1.95%. Fees may reduce earnings. Terms and conditions apply. Minimum opening deposit $50.00. No minimum balance is required to earn dividends. Rates and offer are subject to change at any time and without notice. Limit one account per member. Business and non-profit accounts must be opened in a Financial Center. Federally insured by NCUA.