Helping You Be Your Best

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At Allegacy Federal Credit Union, we believe living your life to the fullest is about making the most of every opportunity. Something as simple as a checking account is the first step to financial wellbeing and that starts with paying less and getting more.

When you review your current statement, do you see fees for this and service charges for that? Some financial institutions charge for writing checks, using automated teller machines (ATMs), calling their phone center, and even having a teller process a transaction.

Our SmartRate Checking is different and we make switching simple.

You can open an account with as little as $50, earn competitive dividends on balances up to $25,000 and get refunds on ATM fees by meeting a few easy requirements.* There’s no monthly service charge and no minimum balance to worry about. Plus, SmartRate Checking comes with free direct deposit, a free Allegacy Visa® Check Card, free WebBanking, free WebPay, free Mobile Check Deposit and more. We know your time is valuable and in less than ten minutes, our account switch process will help you move your deposits and drafts to your new account so you can reap the benefits quickly.

Checking accounts don’t have to put a damper on your day. Instead of wondering what charges you’ll face when you open a statement, switch to free SmartRate Checking and breathe a sigh of relief while watching your account balance grow – it’s the right choice for your wallet and your wellbeing.

And now is the perfect time! Open an account online today or visit the Allegacy Financial Center nearest you.

Allegacy is federally insured by NCUA.

*Higher dividend rate based on meeting all SmartRate Checking requirements.  Rates, products, and services are subject to change without notice. Some restrictions do apply to online services. ** ATM fees will be refunded up to $25 per month, only if you meet all of the SmarRate eligibility requirements during each qualifying cycle.


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