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

Current rates for Allegiance Federal Credit Union include: Savings: 0.05%

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Allegiance Federal Credit Union

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Allegiance Federal Credit Union Rates & Review September 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Allegiance 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 and Verified: September 21, 2026

Allegiance Federal Credit Union's savings rates are at 0.05%. Allegiance Federal Credit Union's ARM Loan Refinance Mortgage Rates - 3/5 ARM rates are at 5.75%, ARM Loan Refinance Mortgage Rates - 5/5 ARM rates are at 5.75%, Refinance Mortgage Rates - 5 Year rates are at 6.00%, Refinance Mortgage Rates - 10 Year rates are at 6.12%, Refinance Mortgage Rates - 15 Year rates are at 6.25%. MonitorBankRates evaluates the financial stability of Allegiance Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.21%. Rates last updated and verified on 09/21/2026.

Allegiance 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 Allegiance Federal Credit Union? Share your experience about Allegiance Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Allegiance Federal Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.21%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

Allegiance Federal Credit Union
Main Office

4235 N Meridian Ave
Oklahoma City, OK 73112-2456

https://www.allegiancecu.org

Allegiance Federal Credit Union Savings Rates

Product	Rate	APY
Emergency Savings Account	-	0.30%
Min Balance $100,000 Details Balance: $100,000 + Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.21%
Emergency Savings Account	-	0.25%
Min Balance $50,000 Details Balance: $50,000 - $99,999 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.21%
Emergency Savings Account	-	0.20%
Min Balance $25,000 Details Balance: $25,000 - $49,999 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.21%
Emergency Savings Account	-	0.15%
Min Balance $10,000 Details Balance: $10,000 - $24,999 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.21%
Emergency Savings Account	-	0.10%
Min Balance $0 Details Balance: $0- $9,999 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.21%
Savings Account	-	0.05%
Min Deposit $5 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.21%

Allegiance Federal Credit Union Checking Rates

Product	Rate	APY
Cash Checking Account	-	1.00%
Min Deposit $25 Min Balance $0 Details Qualifications Required: 15 debit card transactions; 1 qualifying deposit or ACH; estatements enrollment; Earn interest on your Checking Account balance. With no monthly service fees and refunds on ATM charges, this could be the Checking Account for you! Earn 0.05% APY* on balances over $20,000. Earn 0.05% APY* if qualifications aren't met. No minimum balance is required to earn rewards. Balance: $0.00 - $20,000.00 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.21%
Cash Checking Account	-	0.05%
Min Deposit $25 Min Balance $20,000 Details Qualifications Required: 15 debit card transactions; 1 qualifying deposit or ACH; estatements enrollment; Earn interest on your Checking Account balance. With no monthly service fees and refunds on ATM charges, this could be the Checking Account for you! Earn 1.00% APY* on balances up to $20,000. Earn 0.05% APY* if qualifications aren't met. Balance: $20,000.01 and over Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.21%

Allegiance Federal Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
ARM Loan Refinance Mortgage Rates - 3/5 ARM	-	-	5.75%	30 years
Details Start Rate Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.21%
ARM Loan Refinance Mortgage Rates - 5/5 ARM	-	-	5.75%	30 years
Details Start Rate Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.21%
Refinance Mortgage Rates - 5 Year	-	-	6.00%	5 Year
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.21%
Refinance Mortgage Rates - 10 Year	-	-	6.13%	10 Year
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.21%
Refinance Mortgage Rates - 15 Year	-	-	6.25%	15 Year
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.21%
Refinance Mortgage Rates - 30 Year	-	-	6.75%	30 Year
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.21%

Allegiance Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term	View More
Cash	-	-	1.00%
Details Based on terms & conditions Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.21%

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.

Financial Health History

Allegiance Federal Credit Union’s Texas Ratio fell from 4.76% in Q2 2023 to 3.21% in Q1 2026, so its financial health has improved and is now very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
March 31, 2026	$372M	3.21%	5.0	A+
December 31, 2025	$366M	4.44%	5.0	A+
September 30, 2025	$358M	4.72%	5.0	A+
June 30, 2025	$359M	5.63%	5.0	A+
March 31, 2025	$363M	4.34%	5.0	A+
December 31, 2024	$354M	6.02%	5.0	A
September 30, 2024	$355M	7.15%	5.0	A
June 30, 2024	$352M	5.93%	5.0	A+
March 31, 2024	$355M	2.52%	5.0	A+
December 31, 2023	$350M	6.13%	5.0	A
September 30, 2023	$351M	5.01%	5.0	A+
June 30, 2023	$356M	4.76%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Allegiance 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 Allegiance 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 Allegiance Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Allegiance Federal Credit Union

Website https://www.allegiancecu.org

Address 4235 N Meridian Ave, Oklahoma City, OK 73112-2456

Phone 405-789-7900

Fax 405-491-6121

President Robyn Haffner

CEO JC Reavis

Full-Time Employees 73

Part-Time Employees 5

Branch Locations 5

ATM Locations 3

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

3.21%

Return on Assets (ROA)

0.1420%

Return on Equity (ROE)

1.5137%

Non-Performing Loans Ratio (NPL)

0.45%

Total Assets

372,349,994

Total Amount of Shares and Deposits

337,493,470

Total Shares and Deposits < 1 Year

332,245,304

Total Shares and Deposits 1 3 Years

4,621,716

Total Shares and Deposits > 3 Years

626,450

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

22,428,535

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

22,428,535

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

315,064,935

Total Interest Expense (Sum of items 6 8)

870,164

Share Certificates

1,797

Number of Accounts for Share Drafts

13,442

IRA KEOGH Accounts

703

Number of Accounts for Regular Shares

24,114

Money Market Shares

988

Net Income (unless the amount is already included in Undivided Earnings)

528,807

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

32,318,319

Total Liabilities

340,000,312

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Allegiance Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Average Rating

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Total Reviews

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Frequently Asked Questions About Allegiance Federal Credit Union

How many branches does Allegiance Federal Credit Union operate?

Allegiance 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 Allegiance Federal Credit Union?

Yes, to access services at Allegiance 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, Allegiance 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, Allegiance Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Allegiance Federal Credit Union offer online and mobile banking?

Most modern institutions like Allegiance 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.allegiancecu.org.