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Put your savings to work

Put your savings to work with an 11-Month Certificate that earns 4.00% APY¹

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15/15 ADJUSTABLE-RATE MORTGAGE (ARM)

Rates that start with a 5

Lock in a great mortgage rate for 15 years⁴, then adjust only once at the 15 year mark. It's designed for homeowners who want predictable mortgage payments.

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FLEX HOME EQUITY LINE OF CREDIT (HELOC)

You’ve built equity. Now put it to work.

Use the value you’ve built in your home to help enhance it.

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Where roots and relationships matter

Helping North Carolinians thrive.

About us

Grounded in local expertise and real relationships, we’re here to support every step of your financial journey—from daily banking to long-term planning

Helping you navigate

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Mortgage Eliminator Loan

Could you be mortgage-free sooner? Rates as low as 5.30% APR³.

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Tools

How much could I borrow with a Mortgage Eliminator Loan?

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Ready to pay off your mortgage sooner?

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Learn more about

Cash
Checking solutions

Manage your everyday banking with confidence and the account that fits your needs.

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Savings solutions

Save, grow, and protect your money for the short- and long-term.

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Credit card solutions

Earn rewards, save on interest, or build credit with the right card for your goals.

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Home loan solutions

Local guidance for buying, refinancing, or building, so your next move feels informed and achievable.

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Vehicle loan solutions

Finance your next vehicle with flexible options that fit your budget and your goals.

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Personal loan solutions

Cover life’s planned and unplanned moments with flexible lending designed to help you stay on track.

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Insurance solutions

Protect what matters most with coverage options that help safeguard your family, assets, and peace of mind. 

Tools

Try our calculators to build a plan that works for your goals

No matter what you’re working toward, our tools can help clarify your unique path forward. Explore our calculators to take your next step with confidence. 

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Member moments

Explore real member stories

Discover how community members spend and save, how Allegacy helped them reach their goals, and take away practical insight for your own financial journey.

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Ask Allegacy

Learn from Allegacy experts

Get tips, strategies, and insights straight from our experts to make well-informed financial decisions. We’re here to help.

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Take charge of your money—anytime, anywhere

Manage your accounts, pay bills, and move money from any device. We make digital banking simple so you can focus on what matters most. 

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Learn more about our new Allegacy Financial brand

As Allegacy has grown across North Carolina, so have the ways we support you — from everyday banking to business services and financial planning. This evolution reflects who we are today and where we’re headed. The name “Allegacy Financial” better reflects the full way we show up for you today — as a comprehensive banking and financial partner, offering personal, small business, commercial, and wealth management services. It’s a name that honors where we’ve been, while continuing the same trusted relationships you’ve always known.

You’ll start to notice a refreshed look and feel across Allegacy — including our name, logo, and overall brand experience. We’ve also introduced an updated website at allegacy.org to make it easier to find what you need to move forward with confidence. While some things may look new, what matters most stays the same. The products, services, and support you rely on every day aren’t changing, just the way we show up alongside you. 

As we’ve grown, we wanted our symbol to better reflect what matters most — the relationships we build every day. The new symbol represents the bond we share with our members, team members, businesses, and communities across North Carolina. It’s a reflection of how we’re all connected, and how we continue to move forward together. 

Yes, we’re still a federally chartered, member-owned credit union. That means your needs, not shareholders, continue to guide every decision we make. 

No, we have not merged with another financial institution. This is simply an evolution of our brand, not a change in ownership or structure. We remain the same member-owned credit union, rooted right here in North Carolina. 

There’s nothing you need to do right now. The only small step is to update your Allegacy mobile app when it’s convenient for you, so you can continue to enjoy the best experience. Everything you rely on today — your login, accounts, and access — will continue to work just as it always has so you can move forward without interruption. 

How can I get in touch if I have questions?

We’re here for you whenever you need us. You can connect with our Member Care team by calling 800-782-4670 or 336-774-3400, or by chatting with us at allegacy.org. We’re available Monday through Friday from 7:30 a.m. to 6 p.m., and Saturday from 9 a.m. to 12 p.m. If you’d rather talk in person, you’re always welcome to visit one of our Financial Centers  — we’ll be glad to see you.

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Your questions, answered

Allegacy is a member-owned, not-for-profit credit union. That means people, not shareholders, come first. We reinvest earnings into better rates, lower fees, and more personalized support, while staying rooted in the North Carolina communities we serve.

Yes, rest assured that your money is safe at Allegacy. Deposits at Allegacy are federally insured up to the allowable limits by the National Credit Union Administration (NCUA), so your money is protected while you focus on what matters most.

It’s easy to become a member. You can open a personal checking or savings account online or with help from our team. We’ll walk you through each step, answer questions along the way, and make sure the account fits your goals—not just your to-do list.

The right account depends on how you spend, save, and plan ahead. Whether you want everyday flexibility, higher dividends, or a simple place to start, we’re here to help you compare options and choose with confidence.

Yes. With Allegacy’s digital banking tools, you can check balances, move money, pay bills, and manage your accounts anytime, from almost anywhere—on your phone, tablet, or computer.

Allegacy’s routing number is 253177887. You may need it for direct deposit, automatic payments, or online transfers. You can also find it in the footer of every page on our website.

Disclosure:

¹APY = Annual Percentage Yield. 4.00% APY accurate as of 07-01-2026 and subject to change without notice. 11-month certificate. Minimum opening deposit/minimum balance to earn APY: $500. Penalty may be imposed for early withdrawal. Fees could reduce earnings. Membership eligibility required. See current rates and full account disclosures for details.

²APR = Annual Percentage Rate. As of 07-01-2026 prime is 6.75%. Rates, terms, eligibility requirements, and promotional offers are subject to change. Introductory rate available for the first six months. See full Home Equity Line of Credit disclosures and product details.

³APR = Annual Percentage Rate. Rates are subject to change without notice. Rates last updated on 4/16/2026. Mortgage rates are based on a variety of assumptions and conditions. A loan’s interest rate will depend on specific characteristics of the loan and the borrower’s credit history through the time of closing.Mortgage Eliminator Loans offer a fixed interest rate and fixed monthly payment over a shorter loan term. For example, a Mortgage Eliminator Loan for $100,000 financed for 180 months with an APR of 5.40% would result in an estimated monthly payment of $812.04. Monthly payments do not include taxes, insurance, or flood insurance, if applicable, and the actual payment obligation will be greater. Mortgage Eliminator Loans are available for primary or secondary residences in CA, CT, DE, DC, FL, GA, IL, IN, MD, NJ, NY, NC, PA, SC, VA, and WV. All loans are subject to credit approval. Rates, terms, and products are subject to change. All Allegacy real estate secured loans are subject to legal requirements in the member’s state of primary residence. Closing costs may apply and can include fees such as property title search, flood certification, and appraisal, if required. Qualifying states may pay little to no closing costs. Membership eligibility required. Federally insured by NCUA. Equal Housing Lender.

⁴APR = Annual Percentage Rate. Rates are subject to change without notice. Rates last updated on 08/26/2026 at 12:01 PM (EST). ARM loans are variable rate loans; interest rates and payments may increase after consummation.  After the initial fixed-rate period, your interest rate can increase or decrease annually according to the market index. Any change may significantly impact your monthly payment. Since the index in the future is unknown, the First Adjusted Rates displayed are based on the current index plus margin (fully indexed rate) as of August 26, 2026. For example, a 15/15 ARM with a 30-year term for a loan amount of $300,000, the initial interest rate of 5.750%, with an APR of 6.112%, would have an estimated monthly principal and interest payment of $1,750.72 during the initial fixed-rate period (years 1–15) and for years 16-30, monthly payments would be $2,047.00 (based on the current Index plus Margin).  This example does not include mortgage insurance premiums, taxes, insurance, or escrow amounts; your actual payment obligation may be greater.