What are the current interest rates at Allegacy Federal Credit Union?

Current rates for Allegacy Federal Credit Union include: 12-Month CD: 3.15%, 18-Month CD: 3.05%, 24-Month CD: 3.05%, 60-Month CD: 2.60%, Savings: 0.10%, MMA: 0.05%

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Allegacy Federal Credit Union

iAdvertiser Disclosure

Allegacy Federal Credit Union Rates & Review June 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Allegacy Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: May 30, 2026

Allegacy Federal Credit Union's IRA 14 month CD rates are at 3.95%, 14 Month CD rates are at 3.85%, 7 Month Early Withdrawal rates are at 3.45%, IRA 12 Month CD rates are at 3.25%, Online 24 Month CD rates are at 3.25%. Allegacy Federal Credit Union's savings rates are at 0.10%. Allegacy Federal Credit Union's money market rates are at 0.05%. Allegacy Federal Credit Union's 10/1 ARM Community Heroes (Conforming 30-year term) rates are at 5.88%, 10/1 ARM Higher Educator (Conforming 30-year term) rates are at 5.88%, 10/1 ARM Medical Professional (Conforming 30-year term) rates are at 5.88%, 10/1 ARM (Conforming 30-year term) rates are at 6.00%, 10/1 ARM Higher Educator (Jumbo 30-year term) rates are at 6.12%. Allegacy Federal Credit Union's Personal Loan Rates are at 9.75%. MonitorBankRates evaluates the financial stability of Allegacy Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 6.46%. Rates were last updated on 05/30/2026.

Allegacy Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Allegacy Federal Credit Union? Share your experience about Allegacy Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Allegacy Federal Credit Union.

Overall Health & Safety Grade

Excellent Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

6.46%

Excellent Higher than avg

Allegacy Federal Credit Union
Westbrook

1691 Westbrook Plaza Dr
Winston Salem, NC 27103 2993

https://www.allegacy.org

Allegacy Federal Credit Union CD Rates

Product	Rate	APY	Term
IRA 14 month Certificate	3.87%	3.95%	14
Min Deposit $500 Last Updated 05/30/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
14 Month Certificate	3.78%	3.85%	14
Min Deposit $500 Min Balance $500 Last Updated 05/30/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
7 Month Early Withdrawal	3.39%	3.45%	7
Min Deposit $500 Min Balance $500 Last Updated 05/30/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
IRA 12 Month Certificate	3.20%	3.25%	12
Min Deposit $500 Last Updated 05/30/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
Online 24 Month Certificate	3.20%	3.25%
Min Deposit $1,000 Last Updated 05/30/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
12 Month	3.10%	3.15%	12
Min Deposit $500 Min Balance $500 Last Updated 05/30/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
IRA 18 Month Certificate	3.10%	3.15%	18
Min Deposit $500 Last Updated 05/30/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
IRA 2 Year Certificate	3.10%	3.15%	2
Min Deposit $500 Last Updated 05/30/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
18 Month	3.01%	3.05%	18
Min Deposit $500 Min Balance $500 Last Updated 05/30/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
2 Year	3.01%	3.05%	2
Min Deposit $500 Min Balance $500 Last Updated 05/30/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
IRA 3 Year Certificate	2.66%	2.70%	3
Min Deposit $500 Last Updated 05/30/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
IRA 4 Year Certificate	2.66%	2.70%	4
Min Deposit $500 Last Updated 05/30/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
IRA 5 Year Certificate	2.66%	2.70%	5
Min Deposit $500 Last Updated 05/30/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
3 Year	2.57%	2.60%	3
Min Deposit $500 Min Balance $500 Last Updated 05/30/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
4 Year	2.57%	2.60%	4
Min Deposit $500 Min Balance $500 Last Updated 05/30/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
5 Year	2.57%	2.60%	5
Min Deposit $500 Min Balance $500 Last Updated 05/30/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
IRA 9 Month Certificate	2.52%	2.55%	9
Min Deposit $500 Last Updated 05/30/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
9 Month	2.42%	2.45%	9
Min Deposit $500 Min Balance $500 Last Updated 05/30/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
IRA 6 Month Certificate	2.42%	2.45%	6
Min Deposit $500 Last Updated 05/30/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
IRA 3 Month Certificate	2.37%	2.40%	3
Min Deposit $500 Last Updated 05/30/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
6 Month	2.32%	2.35%	6
Min Deposit $500 Min Balance $500 Last Updated 05/30/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
3 Month	2.27%	2.30%	3
Min Deposit $500 Min Balance $500 Last Updated 05/30/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%

Allegacy Federal Credit Union Savings Rates

Product	Rate	APY
AllHealth Wellness Savings	1.05%	1.05%
Min Deposit $5 Min Balance $12 Details All balances earn 0.10% 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. Some transfer/withdrawal limitations and restrictions may apply. Fees may reduce the earnings. Offer only available to consumers. Last Updated 05/30/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
AllHealth Wellness Savings	0.85%	0.85%
Min Deposit $5 Min Balance $8 Details All balances earn 0.10% 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. Some transfer/withdrawal limitations and restrictions may apply. Fees may reduce the earnings. Offer only available to consumers. Last Updated 05/30/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
AllHealth Wellness Savings	0.75%	0.75%
Min Deposit $5 Min Balance $4 Details All balances earn 0.10% 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. Some transfer/withdrawal limitations and restrictions may apply. Fees may reduce the earnings. Offer only available to consumers. Last Updated 05/30/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
Holiday Club Savings	0.35%	0.35%
Min Balance $100,000 Last Updated 05/30/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
Vacation Club Savings	0.35%	0.35%
Min Deposit $10 Min Balance $100,000 Details Rates are variable and may change after the account is opened. APY is accurate as of 02.01.26. Fees could reduce earnings on the account. Certain types of withdrawals or transfers may be limited as part of account policies. Please refer to the account agreement for details. Last Updated 05/30/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
Beginners Best Kids Savings	0.30%	0.30%
Min Deposit $5 Min Balance $25,000 Details Rates are variable and may change after the account is opened. APY is accurate as of 02.17.26. Balance requirements for APY tiers are outlined in the rate table. Fees could reduce earnings on the account. Certain types of withdrawals or transfers may be limited as part of account policies. Please refer to the account agreement for details. Last Updated 05/30/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
Holiday Club Savings	0.30%	0.30%
No additional details. Last Updated 05/30/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
Vacation Club Savings	0.30%	0.30%
Min Deposit $10 Details Rates are variable and may change after the account is opened. APY is accurate as of 02.01.26. Fees could reduce earnings on the account. Certain types of withdrawals or transfers may be limited as part of account policies. Please refer to the account agreement for details. Last Updated 05/30/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
AllHealth Wellness Savings	0.10%	0.10%
Min Deposit $5 Details All balances earn 0.10% 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. Some transfer/withdrawal limitations and restrictions may apply. Fees may reduce the earnings. Offer only available to consumers. Last Updated 05/30/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
Daily Access Savings	0.10%	0.10%
Min Deposit $5 Min Balance $25,000 Details Rates are variable and may change after the account is opened. APY is accurate as of 02.17.26. Fees could reduce earnings on the account. Certain types of withdrawals or transfers may be limited as part of account policies. Please refer to the account agreement for details. Last Updated 05/30/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%

Allegacy Federal Credit Union Money Market Rates

Product	Rate	APY
Feature Money Market Account	3.40%	3.45%
Min Deposit $50 Details Limit one account per member. Each account is eligible to receive up to one package of pre-selected standard, duplicate-style Allegacy checks per year. Last Updated 05/30/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
Business High Tier Money Market Account	2.96%	3.00%
Min Balance $500,000 Last Updated 05/30/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
High Tier Money Market Account	2.96%	3.00%
Min Deposit $50 Min Balance $500,000 Details Rates are variable and may change after the account is opened. APYs are accurate as of 02.01.26. Each account is eligible to receive up to one package of pre-selected standard, duplicate-style Allegacy checks per year. Last Updated 05/30/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
Business High Tier Money Market Account	2.47%	2.50%
Min Balance $250,000 Last Updated 05/30/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
High Tier Money Market Account	2.47%	2.50%
Min Deposit $50 Min Balance $250,000 Details Rates are variable and may change after the account is opened. APYs are accurate as of 02.01.26. Each account is eligible to receive up to one package of pre-selected standard, duplicate-style Allegacy checks per year. Last Updated 05/30/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
Business Money Market Account	2.08%	2.10%
Min Balance $250,000 Last Updated 05/30/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
Business High Tier Money Market Account	1.98%	2.00%
Min Balance $100,000 Last Updated 05/30/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
Business Money Market Account	1.98%	2.00%
Min Balance $100,000 Last Updated 05/30/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
High Tier Money Market Account	1.98%	2.00%
Min Deposit $50 Min Balance $100,000 Details Rates are variable and may change after the account is opened. APYs are accurate as of 02.01.26. Each account is eligible to receive up to one package of pre-selected standard, duplicate-style Allegacy checks per year. Last Updated 05/30/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
Retail Money Market Account	1.98%	2.00%
Min Deposit $50 Min Balance $100,000 Details Rates are variable and may change after the account is opened. APYs are accurate as of 02.01.26. A $50 minimum deposit is required to open the account. Fees could reduce earnings on the account. Certain types of withdrawals or transfers may be limited as part of account policies. Please refer to the account agreement for details. Each account is eligible to receive up to one package of pre-selected standard, duplicate-style Allegacy checks per year. Last Updated 05/30/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
Business Money Market Account	1.88%	1.90%
Min Balance $50,000 Last Updated 05/30/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
Retail Money Market Account	1.88%	1.90%
Min Deposit $50 Min Balance $50,000 Details Rates are variable and may change after the account is opened. APYs are accurate as of 02.01.26. A $50 minimum deposit is required to open the account. Fees could reduce earnings on the account. Certain types of withdrawals or transfers may be limited as part of account policies. Please refer to the account agreement for details. Each account is eligible to receive up to one package of pre-selected standard, duplicate-style Allegacy checks per year. Last Updated 05/30/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
Business Money Market Account	1.79%	1.80%
Min Balance $10,000 Last Updated 05/30/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
Retail Money Market Account	1.79%	1.80%
Min Deposit $50 Min Balance $25,000 Details Rates are variable and may change after the account is opened. APYs are accurate as of 02.01.26. A $50 minimum deposit is required to open the account. Fees could reduce earnings on the account. Certain types of withdrawals or transfers may be limited as part of account policies. Please refer to the account agreement for details. Each account is eligible to receive up to one package of pre-selected standard, duplicate-style Allegacy checks per year. Last Updated 05/30/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
Business Money Market Account	1.49%	1.50%
No additional details. Last Updated 05/30/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
Retail Money Market Account	1.49%	1.50%
Min Deposit $50 Min Balance $2,500 Details Rates are variable and may change after the account is opened. APYs are accurate as of 02.01.26. A $50 minimum deposit is required to open the account. Fees could reduce earnings on the account. Certain types of withdrawals or transfers may be limited as part of account policies. Please refer to the account agreement for details. Each account is eligible to receive up to one package of pre-selected standard, duplicate-style Allegacy checks per year. Last Updated 05/30/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
Feature Money Market Account	0.15%	0.15%
Min Deposit $50 Min Balance $250,000 Details Limit one account per member. Each account is eligible to receive up to one package of pre-selected standard, duplicate-style Allegacy checks per year. Last Updated 05/30/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
Business High Tier Money Market Account	0.05%	0.05%
Min Balance $0 Last Updated 05/30/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
High Tier Money Market Account	0.05%	0.05%
Min Deposit $50 Details Rates are variable and may change after the account is opened. APYs are accurate as of 02.01.26. Each account is eligible to receive up to one package of pre-selected standard, duplicate-style Allegacy checks per year. Last Updated 05/30/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%

Allegacy Federal Credit Union Checking Rates

Product	Rate	APY
SmartRate Checking	2.96%	3.00%
Details Qualifications Required; Qualifying balance up to $25,000.00 Last Updated 05/30/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
Preferred Checking	0.05%	0.05%
Min Balance $10,000 Details Rates are variable and may change after the account is opened. APY is accurate as of 02.01.26. Each preferred checking account is eligible to receive up to one package of pre-selected standard, duplicate-style Allegacy checks per year. A $50 minimum deposit is required to open the account. Fees could reduce earnings on the account. Last Updated 05/30/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
Digital Best Checking	-	0.00%
Min Deposit $50 Details Rates are variable and subject to change. A minimum deposit of $50.00 is required to open this account. This account does not include check-writing privileges; if checks are presented or ordered through an outside vendor, they will be returned. Access to Digital Banking may be subject to certain restrictions. Mobile banking and text alerts require enrollment. Allegacy does not charge for these services; however, standard message and data rates from your mobile carrier may apply. Last Updated 05/30/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%

Allegacy Federal Credit Union Mortgage Rates

Product	Rate	Points	APR
10/1 ARM Community Heroes (Conforming 30-year term)	5.88%	-	6.15%
No additional details. Last Updated 05/30/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
10/1 ARM Higher Educator (Conforming 30-year term)	5.88%	-	6.15%
No additional details. Last Updated 05/30/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
10/1 ARM Medical Professional (Conforming 30-year term)	5.88%	-	6.15%
No additional details. Last Updated 05/30/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
10/1 ARM (Conforming 30-year term)	6.00%	-	6.23%
No additional details. Last Updated 05/30/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
10/1 ARM Higher Educator (Jumbo 30-year term)	6.13%	-	6.26%
No additional details. Last Updated 05/30/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
10/1 ARM Medical Professional (Jumbo 30-year term)	6.13%	-	6.26%
No additional details. Last Updated 05/30/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
5/1 ARM (Conforming 30-year term)	5.88%	-	6.28%
No additional details. Last Updated 05/30/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
15 Year Fixed (Conforming-Purchase)	6.13%	-	6.29%
No additional details. Last Updated 05/30/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
10/1 ARM (Jumbo 30-year term)	6.25%	-	6.35%
No additional details. Last Updated 05/30/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
7/1 ARM (Conforming 30-year term)	6.13%	-	6.35%
No additional details. Last Updated 05/30/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
7/1 ARM (Jumbo 30-year term)	6.38%	-	6.43%
No additional details. Last Updated 05/30/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
FHA 30 Year (FHA) Loan	6.38%	-	6.46%
No additional details. Last Updated 05/30/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
VA 30 Year (VA) Loan	6.38%	-	6.47%
No additional details. Last Updated 05/30/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
30 Year Fixed (Conforming-Purchase)	6.50%	-	6.61%
No additional details. Last Updated 05/30/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
15/15 ARM (Conforming 30-year term)	6.38%	0.125	6.62%
No additional details. Last Updated 05/30/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%

Allegacy Federal Credit Union Student Loan Rates

Product	Rate	Points	APR	Term	View More
Student Loan	-	-	9.75%
Details As Low As Last Updated 05/30/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Allegacy Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Allegacy Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Allegacy Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Allegacy Federal Credit Union

Website https://www.allegacy.org

Address 1691 Westbrook Plaza Dr, Winston Salem, NC 27103 2993

Phone 336-774-3400

Fax 336-774-4994

President Lisa Marshall

CEO Nathanael Tarwasokono

Full-Time Employees 415

Part-Time Employees 8

Branch Locations 29

ATM Locations 20

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (97/100)

Texas Ratio

6.46%

Return on Assets (ROA)

0.5232%

Return on Equity (ROE)

4.5363%

Non-Performing Loans Ratio (NPL)

0.98%

Total Assets

2,408,421,062

Total Amount of Shares and Deposits

2,049,395,052

Total Shares and Deposits < 1 Year

2,033,852,082

Total Shares and Deposits 1 3 Years

14,134,378

Total Shares and Deposits > 3 Years

1,408,592

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

245,047,630

Total Uninsured Shares and Deposits > $250K (F+J)

245,047,630

Total Insured Shares and Deposits > $250K (item 17 less item K)

1,804,347,422

Total Interest Expense (Sum of items 6 8)

32,138,121

Share Certificates

9,834

Number of Accounts for Share Drafts

100,712

IRA KEOGH Accounts

4,625

Number of Accounts for Regular Shares

204,149

All other shares

Money Market Shares

12,594

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

171,649,866

Total Liabilities

2,129,148,673

Source: NCUA — Last Updated 09/30/2025

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Frequently Asked Questions About Allegacy Federal Credit Union

How many branches does Allegacy Federal Credit Union operate?

Allegacy Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Allegacy Federal Credit Union?

Yes, to access services at Allegacy Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Allegacy Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Allegacy Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Allegacy Federal Credit Union offer online and mobile banking?

Most modern institutions like Allegacy Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.allegacy.org.