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%

MonitorBankRates

☰

Home›
Credit Unions›
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: June 9, 2026

Allegacy Federal Credit Union's IRA CD 14 month rates are at 3.95%, 14 Month CD rates are at 3.85%, 7 Month Early Withdrawal rates are at 3.45%, IRA CD 12 Month 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 15 Year Fixed (Conforming-Purchase) rates are at 6.25%, FHA 30 Year (FHA) Loan rates are at 6.38%, VA 30 Year (VA) Loan rates are at 6.38%, 30 Year Fixed (Conforming-Purchase) rates are at 6.62%. 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 06/09/2026.

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 Certificate 14 month	3.87%	3.95%	14 month
Min Deposit $500 Min Balance $500 Last Updated 06/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
14 Month Certificate	3.78%	3.85%	14 Month
Min Balance $500 Last Updated 06/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
7 Month Early Withdrawal	3.39%	3.45%	7 Month
Min Balance $500 Details Early Withdrawal Certificate Last Updated 06/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
IRA Certificate 12 Month	3.20%	3.25%	12 Month
Min Deposit $500 Min Balance $500 Last Updated 06/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
Online 24 Month Certificate	3.20%	3.25%	24 Months
Min Deposit $1,000 Min Balance $1,000 Details Rates are variable and subject to change. Rate is effective as of 02.17.26. Certificate rates subject to change without notice, penalty applied for early withdrawal of funds, fees may affect earnings. Certificate rates available only for consumer accounts. Some transfer/withdrawal limitations and restrictions may apply. Fees may reduce the earnings. Last Updated 06/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
12 Month	3.10%	3.15%	12 Month
Min Balance $500 Last Updated 06/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
IRA Certificate 18 Month	3.10%	3.15%	18 Month
Min Deposit $500 Min Balance $500 Last Updated 06/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
IRA Certificate 2 Year	3.10%	3.15%	2 Year
Min Deposit $500 Min Balance $500 Last Updated 06/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
18 Month	3.01%	3.05%	18 Month
Min Balance $500 Last Updated 06/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
2 Year	3.01%	3.05%	2 Year
Min Balance $500 Last Updated 06/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
IRA Certificate 3 Year	2.66%	2.70%	3 Year
Min Deposit $500 Min Balance $500 Last Updated 06/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
IRA Certificate 4 Year	2.66%	2.70%	4 Year
Min Deposit $500 Min Balance $500 Last Updated 06/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
IRA Certificate 5 Year	2.66%	2.70%	5 Year
Min Deposit $500 Min Balance $500 Last Updated 06/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
3 Year	2.57%	2.60%	3 Year
Min Balance $500 Last Updated 06/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
4 Year	2.57%	2.60%	4 Year
Min Balance $500 Last Updated 06/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
5 Year	2.57%	2.60%	5 Year
Min Balance $500 Last Updated 06/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
IRA Certificate 9 Month	2.52%	2.55%	9 Month
Min Deposit $500 Min Balance $500 Last Updated 06/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
9 Month	2.42%	2.45%	9 Month
Min Balance $500 Last Updated 06/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
IRA Certificate 6 Month	2.42%	2.45%	6 Month
Min Deposit $500 Min Balance $500 Last Updated 06/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
IRA Certificate 3 Month	2.37%	2.40%	3 Month
Min Deposit $500 Min Balance $500 Last Updated 06/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
6 Month	2.32%	2.35%	6 Month
Min Balance $500 Last Updated 06/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
3 Month	2.27%	2.30%	3 Month
Min Balance $500 Last Updated 06/09/2026 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%
Details Qualifications Required: 12 YMCA visits; Rates are variable and subject to change. 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. Minimum balance required to open account and earn dividends is $5.00. Some transfer/withdrawal limitations and restrictions may apply. Fees may reduce the earnings. Offer only available to consumers. Last Updated 06/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
AllHealth Wellness Savings	0.85%	0.85%
Details Qualifications Required: 8-11 YMCA visits; Rates are variable and subject to change. 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. Minimum balance required to open account and earn dividends is $5.00. Some transfer/withdrawal limitations and restrictions may apply. Fees may reduce the earnings. Offer only available to consumers. Last Updated 06/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
AllHealth Wellness Savings	0.75%	0.75%
Details Qualifications Required: 4-7 YMCA visits; Rates are variable and subject to change. 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. Minimum balance required to open account and earn dividends is $5.00. Some transfer/withdrawal limitations and restrictions may apply. Fees may reduce the earnings. Offer only available to consumers. Last Updated 06/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
Holiday Club Savings	0.35%	0.35%
Min Deposit $10 Min Balance $100,000 Details APY = Annual Percentage Yield. Rates are variable and may change after the account is opened. APY is accurate as of 02.01.26. 0.35% APY applies to balances of $2,000 or more and $100,000 or more. 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 06/09/2026 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 $2,000 Details APY = Annual Percentage Yield. Rates are variable and may change after the account is opened. APY is accurate as of 02.01.26. 0.35% APY applies to balances of $2,000 or more and $100,000 or more. 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 06/09/2026 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 $2,500 Details APY is accurate as of 02.17.26. Rates are variable and may change after the account is opened. Last Updated 06/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
Holiday Club Savings	0.30%	0.30%
Min Deposit $10 Details APY = Annual Percentage Yield. Rates are variable and may change after the account is opened. APY is accurate as of 02.01.26. 0.30% APY applies to balances up to $2,000. 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 06/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
Vacation Club Savings	0.30%	0.30%
Min Deposit $10 Details APY = Annual Percentage Yield. Rates are variable and may change after the account is opened. APY is accurate as of 02.01.26. 0.30% APY applies to balances up to $2,000. 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 06/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
AllHealth Wellness Savings	0.10%	0.10%
Details Qualifications Required: 0-3 YMCA visits; Rates are variable and subject to change. 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. Minimum balance required to open account and earn dividends is $5.00. Some transfer/withdrawal limitations and restrictions may apply. Fees may reduce the earnings. Offer only available to consumers. Last Updated 06/09/2026 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 APY = Annual Percentage Yield. Rates are variable and may change after the account is opened. APY is accurate as of 02.17.26. 0.30% APY applies to all balance tiers; specific balance requirements 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 06/09/2026 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 Min Balance $0 Details APY is accurate as of 02.01.26. Additional balance requirements and 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. 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 06/09/2026 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 Details Daily balance $500,000.00 Last Updated 06/09/2026 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. 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 06/09/2026 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 Details Daily balance $250,000.00 to $499,999.99 Last Updated 06/09/2026 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. 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 06/09/2026 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 Details Daily balance $250,000.00 Last Updated 06/09/2026 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 Details Daily balance $100,000.00 to $249,999.99 Last Updated 06/09/2026 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 Details Daily balance $100,000.00 to $249,999.99 Last Updated 06/09/2026 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. 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 06/09/2026 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. Last Updated 06/09/2026 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 Details Daily balance $50,000.00 to $99,999.99 Last Updated 06/09/2026 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. Last Updated 06/09/2026 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 Details Daily balance $10,000.00 to $49,999.99 Last Updated 06/09/2026 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. Last Updated 06/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
Business Money Market Account	1.49%	1.50%
Min Balance $0 Details Daily balance to $9,999.99 Last Updated 06/09/2026 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. Last Updated 06/09/2026 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 APY is accurate as of 02.01.26. Additional balance requirements and 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. 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 06/09/2026 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 Details Daily balance to $99,999.99 Last Updated 06/09/2026 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. 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 06/09/2026 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%
Min Deposit $50 Min Balance $0 Details Qualifications Required: enrollment in eStatements; at least 20 debit card transactions per cycle; a direct deposit or ACH debit per cycle; Up to $25 in ATM fees will be refunded per month when requirements are met. Fees could reduce earnings on the account. Last Updated 06/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
SmartRate Checking	0.10%	0.10%
Min Deposit $50 Min Balance $25,000 Details Qualifications Required: enrollment in eStatements; at least 20 debit card transactions per cycle; a direct deposit or ACH debit per cycle; When requirements are met, APY for balances over $25,000 will vary based on the account balance and reflects a blended rate. Up to $25 in ATM fees will be refunded per month when requirements are met. Fees could reduce earnings on the account. Last Updated 06/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
Preferred Checking	0.05%	0.05%
Min Deposit $50 Min Balance $2,500 Details Rates are variable and may change after the account is opened. APY is accurate as of 02.01.26. Balance requirements for each APY tier are outlined in the rate table. Each preferred checking account is eligible to receive up to one package of pre-selected standard, duplicate-style Allegacy checks per year. Fees could reduce earnings on the account. Last Updated 06/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
SmartRate Checking	0.05%	0.05%
Min Deposit $50 Details If account requirements are not met, all balances earn 0.05% APY. Fees could reduce earnings on the account. Last Updated 06/09/2026 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. 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 06/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%

Allegacy Federal Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
15 Year Fixed (Conforming-Purchase)	6.25%	-	6.43%	15 Year Fixed
No additional details. Last Updated 06/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
FHA 30 Year (FHA) Loan	6.38%	-	6.47%	30 Year
Details Rates last updated on 06/08/2026 at 12:30 PM (EST). Mortgage rates are based upon a variety of assumptions and conditions. The credit score used in this estimate may be higher or lower than your personal credit score. A loan's interest rate will depend upon specific characteristics of the loan and the borrower's credit history through the time of closing. Last Updated 06/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
VA 30 Year (VA) Loan	6.38%	0.125	6.48%	30 year
Details Rates last updated on 06/08/2026 at 12:30 PM (EST). Last Updated 06/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
30 Year Fixed (Conforming-Purchase)	6.63%	-	6.74%	30 Year Fixed
No additional details. Last Updated 06/09/2026 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; Rate subject to change annually on August 1st of each year. APR = Annual Percentage Rate. Annual Percentage Rate is subject to change during the term of the loan. Last Updated 06/09/2026 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

Customer Reviews

There are no reviews for Allegacy Federal Credit Union yet. Feel free to create one below.

Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for Allegacy Federal Credit Union

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.