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: 3.55%, 60-Month CD: 3.25%, Savings: 0.85%, MMA: 3.45%

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Allegacy Federal Credit Union

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Allegacy Federal Credit Union Rates & Review October 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 and Verified: October 9, 2026

Allegacy Federal Credit Union's top rates as of October 9, 2026 are 5.00% APY on its 15 Month IRA CD, 0.85% APY on savings, 3.45% APY on money market accounts, 3.00% APY on checking, 2.91% on its Mortgage Saver, personal loans from 8.99% APR, and credit cards from 11.90% APR, according to rates verified by MonitorBankRates. Other Allegacy Federal Credit Union CD rates include 15-Month CD at 5.00%, 5 Month IRA CD at 5.00%, and 5-Month CD at 5.00%. Other Allegacy Federal Credit Union mortgage rates include Mortgage Eliminator Loan - Primary Residence at 5.30%, Adjustable-Rate Mortgage - 15/15 ARM (Conforming 30-year term) at 6.38%, and Adjustable-Rate Mortgage - 5/1 ARM (Conforming 30-year term) at 7.00%. 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 4.25%. Rates last updated and verified on 10/09/2026.

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.

Verified Healthy Q2 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

4.25%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Allegacy Federal Credit Union
Westbrook

1691 Westbrook Plaza Dr
Winston Salem, NC 27103-2993

https://www.allegacy.org

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Allegacy Federal Credit Union CD Rates

Product	Rate	APY	Term
15 Month IRA Certificate	4.879%	5.00%	15-Month
Min Deposit $500 Min Balance $500 Details Balance: $500.00 - $500,000.00** Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 5.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
15-Month Certificate	4.879%	5.00%	15-Month
Min Deposit $500 Min Balance $500 Details Balance: $500.00 - $500,000.00** Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 5.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
5 Month IRA Certificate	4.879%	5.00%	5-Month
Min Deposit $500 Min Balance $500 Details Balance: $500.00 - $500,000.00** Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 5.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
5-Month Certificate	4.879%	5.00%	5-Month
Min Deposit $500 Min Balance $500 Details Balance: $500.00 - $500,000.00** Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 5.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
2 Year IRA Certificate	3.59%	3.65%	2 Year
Min Deposit $500 Min Balance $500 Details Published APY range: 3.65% - 3.85%; Published rate range: 3.59% - 3.78%. Balance: $500.00 - $250,000.00 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.65% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
2 Year Certificates	3.49%	3.55%	2 Year
Min Deposit $500 Min Balance $500 Details Published APY range: 3.55% - 3.75%; Published rate range: 3.49% - 3.68%. Balance: $500.00 - $250,000.00 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 3.55% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
7-Month Early Withdrawal	3.392%	3.45%	7-Month
Min Deposit $500 Min Balance $500 Details Balance: $500.00 - $1,000,000.00 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.45% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
5 Year IRA Certificate	3.30%	3.35%	5 Year
Min Deposit $500 Min Balance $500 Details Published APY range: 3.35% - 3.55%; Published rate range: 3.30% - 3.49%. Balance: $500.00 - $250,000.00 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.35% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
4 Year IRA Certificate	3.25%	3.30%	4 Year
Min Deposit $500 Min Balance $500 Details Published APY range: 3.30% - 3.50%; Published rate range: 3.25% - 3.44%. Balance: $500.00 - $250,000.00 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.30% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
12 Month IRA Certificate	3.20%	3.25%	12 Month
Min Deposit $500 Min Balance $500 Details Published APY range: 3.25% - 3.45%; Published rate range: 3.20% - 3.39%. Balance: $500.00 - $250,000.00 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
3 Year IRA Certificate	3.20%	3.25%	3 Year
Min Deposit $500 Min Balance $500 Details Published APY range: 3.25% - 3.45%; Published rate range: 3.20% - 3.39%. Balance: $500.00 - $250,000.00 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
5 Year Certificates	3.20%	3.25%	5 Year
Min Deposit $500 Min Balance $500 Details Published APY range: 3.25% - 3.45%; Published rate range: 3.20% - 3.39%. Balance: $500.00 - $250,000.00 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 3.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
4 Year Certificates	3.15%	3.20%	4 Year
Min Deposit $500 Min Balance $500 Details Published APY range: 3.20% - 3.40%; Published rate range: 3.15% - 3.34%. Balance: $500.00 - $250,000.00 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 3.20% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
12 Month Certificates	3.10%	3.15%	12 Month
Min Deposit $500 Min Balance $500 Details Published APY range: 3.15% - 3.35%; Published rate range: 3.10% - 3.30%. Balance: $500.00 - $250,000.00 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 3.15% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
18 Month IRA Certificate	3.10%	3.15%	18 Month
Min Deposit $500 Min Balance $500 Details Published APY range: 3.15% - 3.35%; Published rate range: 3.10% - 3.30%. Balance: $500.00 - $250,000.00 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.15% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
3 Year Certificates	3.10%	3.15%	3 Year
Min Deposit $500 Min Balance $500 Details Published APY range: 3.15% - 3.35%; Published rate range: 3.10% - 3.30%. Balance: $500.00 - $250,000.00 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 3.15% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
18 Month Certificates	3.01%	3.05%	18 Month
Min Deposit $500 Min Balance $500 Details Published APY range: 3.05% - 3.25%; Published rate range: 3.01% - 3.20%. Balance: $500.00 - $250,000.00 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 3.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
9 Month IRA Certificate	2.52%	2.55%	9 Month
Min Deposit $500 Min Balance $500 Details Published APY range: 2.55% - 2.70%; Published rate range: 2.52% - 2.66%. Balance: $500.00 - $250,000.00 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.55% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
6 Month IRA Certificate	2.42%	2.45%	6 Month
Min Deposit $500 Min Balance $500 Details Published APY range: 2.45% - 2.65%; Published rate range: 2.42% - 2.62%. Balance: $500.00 - $250,000.00 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.45% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
9 Month Certificates	2.42%	2.45%	9 Month
Min Deposit $500 Min Balance $500 Details Published APY range: 2.45% - 2.60%; Published rate range: 2.42% - 2.57%. Balance: $500.00 - $250,000.00 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 2.45% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
3 Month IRA Certificate	2.37%	2.40%	3 Month
Min Deposit $500 Min Balance $500 Details Published APY range: 2.40% - 2.60%; Published rate range: 2.37% - 2.57%. Balance: $500.00 - $250,000.00 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.40% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
6 Month Certificates	2.32%	2.35%	6 Month
Min Deposit $500 Min Balance $500 Details Published APY range: 2.35% - 2.55%; Published rate range: 2.32% - 2.52%. Balance: $500.00 - $250,000.00 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 2.35% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
3 Month Certificates	2.27%	2.30%	3 Month
Min Deposit $500 Min Balance $500 Details Published APY range: 2.30% - 2.50%; Published rate range: 2.27% - 2.47%. Balance: $500.00 - $250,000.00 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 2.30% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%

Allegacy Federal Credit Union Savings Rates

Product	Rate	APY
AllHealth Wellness Savings	0.85%	0.85%
Min Deposit $5 Details Qualifications Required: 8-11 YMCA visits; 8-11 YMCA visits; 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 10/09/2026 Rate History No change since Sep 14, 2026 · 0.85% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
AllHealth Wellness Savings	0.75%	0.75%
Min Deposit $5 Details Qualifications Required: 4-7 YMCA visits; 4-7 YMCA visits; 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 10/09/2026 Rate History No change since Sep 14, 2026 · 0.75% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Holiday Club Savings	0.35%	0.35%
Min Deposit $10 Min Balance $100,000 Details Balance: $100,000 or more Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.35% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Holiday Club Savings	0.35%	0.35%
Min Deposit $10 Min Balance $2,000 Details Balance: $2,000 or more Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.35% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Vacation Club Savings	0.35%	0.35%
Min Deposit $10 Min Balance $100,000 Details Balance: $100,000 or more; 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. 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 10/09/2026 Rate History No change since Sep 18, 2026 · 0.35% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Vacation Club Savings	0.35%	0.35%
Min Deposit $10 Min Balance $2,000 Details Balance: $2,000 or more; 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. 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 10/09/2026 Rate History No change since Sep 14, 2026 · 0.35% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Beginners Best Kids Savings	0.30%	0.30%
Min Deposit $5 Min Balance $25,000 Details Balance: $25,000 or more; 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 10/09/2026 Rate History No change since Sep 18, 2026 · 0.30% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Beginners Best Kids Savings	0.30%	0.30%
Min Deposit $5 Min Balance $10,000 Details Balance: $10,000 or more; 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 10/09/2026 Rate History No change since Sep 18, 2026 · 0.30% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Beginners Best Kids Savings	0.30%	0.30%
Min Deposit $5 Min Balance $5,000 Details Balance: $5,000 or more; 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 10/09/2026 Rate History No change since Sep 18, 2026 · 0.30% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Beginners Best Kids Savings	0.30%	0.30%
Min Deposit $5 Min Balance $2,500 Details Balance: $2,500 or more; 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 10/09/2026 Rate History No change since Sep 18, 2026 · 0.30% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Beginners Best Kids Savings	0.30%	0.30%
Min Deposit $5 Min Balance $0 Details Balance: Up to $2,500; 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 10/09/2026 Rate History No change since Sep 18, 2026 · 0.30% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Holiday Club Savings	0.30%	0.30%
Min Deposit $10 Min Balance $0 Details Balance: Up to $2,000 Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 0.35% → 0.30% ▼ 0.05 pts · high 0.35% / low 0.30% Oct 5, 20260.30%▼ from 0.35% Sep 18, 20260.35%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Vacation Club Savings	0.30%	0.30%
Min Deposit $10 Min Balance $0 Details Balance: Up to $2,000; 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. 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 10/09/2026 Rate History 1 change since Sep 14, 2026 · 0.35% → 0.30% ▼ 0.05 pts · high 0.35% / low 0.30% Oct 5, 20260.30%▼ from 0.35% Sep 14, 20260.35%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
AllHealth Wellness Savings	0.10%	0.10%
Min Deposit $5 Details Qualifications Required: 0-3 YMCA visits; 0-3 YMCA visits; 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 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Daily Access Savings	0.10%	0.10%
Min Deposit $5 Min Balance $25,000 Details Balance: $25,000 or more Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Daily Access Savings	0.10%	0.10%
Min Deposit $5 Min Balance $10,000 Details Balance: $10,000 or more Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Daily Access Savings	0.10%	0.10%
Min Deposit $5 Min Balance $5,000 Details Balance: $5,000 or more Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Daily Access Savings	0.10%	0.10%
Min Deposit $5 Min Balance $2,500 Details Balance: $2,500 or more Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Daily Access Savings	0.10%	0.10%
Min Deposit $5 Min Balance $0 Details Balance: Up to $2,500 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%

Allegacy Federal Credit Union Money Market Rates

Product	Rate	APY
Feature Money Market Account	3.397%	3.45%
Min Deposit $50 Min Balance $0 Details Balance: Up to $250,000.00; APY = Annual Percentage Yield. Rates are variable and may change after the account is opened. APY is accurate as of 02.01.26. 3.45% APY applies to balances up to $250,000.00, and 0.15% APY applies to balances over $250,000.00. 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 10/09/2026 Rate History No change since Sep 18, 2026 · 3.45% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
High Tier Money Market Account	2.96%	3.00%
Min Deposit $50 Min Balance $500,000 Details Balance: $500,000.00 or more Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
High Tier Money Market Account	2.47%	2.50%
Min Deposit $50 Min Balance $250,000 Details Balance: $250,000.00 to $499,999.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
High Tier Money Market Account	1.98%	2.00%
Min Deposit $50 Min Balance $100,000 Details Balance: $100,000.00 to $249,999.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Retail Money Market Account	1.98%	2.00%
Min Deposit $50 Min Balance $100,000 Details Balance: $100,000.00 or more Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Retail Money Market Account	1.88%	1.90%
Min Deposit $50 Min Balance $50,000 Details Balance: $50,000.00 to $99,999.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.90% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Retail Money Market Account	1.79%	1.80%
Min Deposit $50 Min Balance $25,000 Details Balance: $25,000.00 to $49,999.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.80% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Retail Money Market Account	1.49%	1.50%
Min Deposit $50 Min Balance $2,500 Details Balance: $2,500.00 to $24,999.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Retail Money Market Account	1.49%	1.50%
Min Deposit $50 Min Balance $0 Details Balance: Up to $2,499.99 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 1.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Feature Money Market Account	0.15%	0.15%
Min Deposit $50 Min Balance $250,000 Details Balance: Over $250,000.00; APY = Annual Percentage Yield. Rates are variable and may change after the account is opened. APY is accurate as of 02.01.26. 3.45% APY applies to balances up to $250,000.00, and 0.15% APY applies to balances over $250,000.00. 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 10/09/2026 Rate History No change since Sep 18, 2026 · 0.15% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
High Tier Money Market Account	0.05%	0.05%
Min Deposit $50 Min Balance $0 Details Balance: Up to $99,999.99 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%

Allegacy Federal Credit Union Business Money Market Rates

Product	Rate	APY
Business High Tier Money Market Account	2.96%	3.00%
Min Balance $500,000 Details Balance: Daily balance $500,000.00 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Business High Tier Money Market Account	2.47%	2.50%
Min Balance $250,000 Details Balance: Daily balance $250,000.00 to $499,999.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Business Money Market Account	2.08%	2.10%
Min Balance $250,000 Details Balance: Daily balance $250,000.00 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Business High Tier Money Market Account	1.98%	2.00%
Min Balance $100,000 Details Balance: Daily balance $100,000.00 to $249,999.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Business Money Market Account	1.98%	2.00%
Min Balance $100,000 Details Balance: Daily balance $100,000.00 to $249,999.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Business Money Market Account	1.88%	1.90%
Min Balance $50,000 Details Balance: Daily balance $50,000.00 to $99,999.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.90% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Business Money Market Account	1.79%	1.80%
Min Balance $10,000 Details Balance: Daily balance $10,000.00 to $49,999.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.80% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Business Money Market Account	1.49%	1.50%
Min Balance $0 Details Balance: Daily balance to $9,999.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Business High Tier Money Market Account	0.05%	0.05%
Min Balance $0 Details Balance: Daily balance to $99,999.99 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%

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; Balance: Up to $25,000; APYs are accurate as of 02.01.26. When requirements are met, APY for balances over $25,000 will vary based on the account balance and reflects a blended rate. Rates are variable and may change after the account is opened. Fees could reduce earnings on the account. Up to $25 in ATM fees will be refunded per month when requirements are met. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 3.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
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; Balance: $25,000 or more; APYs are accurate as of 02.01.26. When requirements are met, APY for balances over $25,000 will vary based on the account balance and reflects a blended rate. Rates are variable and may change after the account is opened. Fees could reduce earnings on the account. Up to $25 in ATM fees will be refunded per month when requirements are met. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Preferred Checking	0.05%	0.05%
Min Deposit $50 Min Balance $10,000 Details Balance: $10,000 or more; 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 10/09/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Preferred Checking	0.05%	0.05%
Min Deposit $50 Min Balance $2,500 Details Balance: $2,500 or more; 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 10/09/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%

Allegacy Federal Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
Mortgage Saver	2.91%	-	2.91%	5 years
Details Balance: $50.00 - $50,000.00 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 2.91% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Mortgage Eliminator Loan - Primary Residence	-	-	5.30%	180 months
Details As Low As; Primary Residence up to $1,000,000**; 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. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 5.30% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Adjustable-Rate Mortgage - 15/15 ARM (Conforming 30-year term)	6.375%	0.375	6.727%	30-year
Details Initial Payment: $1,871.61; Adjusted Rate (After 1st Adj.): 7.625%; Adjusted APR: 7.625%; Adjusted Payment: $2,123 Last Updated 10/09/2026 Rate History 1 change since Sep 17, 2026 · 6.25% → 6.73% ▲ 0.48 pts · high 6.73% / low 6.25% Oct 9, 20266.73%▲ from 6.25%* Sep 17, 20266.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Adjustable-Rate Mortgage - 5/1 ARM (Conforming 30-year term)	7.00%	-	7.114%	30-year
Details Initial Payment: $1,995.91; Adjusted Rate (After 1st Adj.): 7.000%; Adjusted APR: 7.000%; Adjusted Payment: $1,996 Last Updated 10/09/2026 Rate History 3 changes since Sep 14, 2026 · 6.58% → 7.11% ▲ 0.53 pts · high 7.11% / low 6.58% Oct 9, 20267.11%▲ from 7.04%* Sep 29, 20267.04%▲ from 6.76% Sep 17, 20266.76%▲ from 6.58% Sep 14, 20266.58%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Adjustable-Rate Mortgage - 10/1 ARM Community Heroes (Conforming 30-year term)	7.00%	0.125	7.127%	30-year
Details Initial Payment: $1,995.91; Adjusted Rate (After 1st Adj.): 7.000%; Adjusted APR: 7.000%; Adjusted Payment: $1,996 Last Updated 10/09/2026 Rate History 2 changes since Sep 14, 2026 · 6.50% → 7.13% ▲ 0.63 pts · high 7.13% / low 6.50% Oct 9, 20267.13%▲ from 6.62%* Sep 21, 20266.62%▲ from 6.50% Sep 14, 20266.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Adjustable-Rate Mortgage - 10/1 ARM Higher Educator (Conforming 30-year term)	7.00%	0.125	7.127%	30-year
Details Initial Payment: $1,995.91; Adjusted Rate (After 1st Adj.): 7.000%; Adjusted APR: 7.000%; Adjusted Payment: $1,996 Last Updated 10/09/2026 Rate History 2 changes since Sep 14, 2026 · 6.50% → 7.13% ▲ 0.63 pts · high 7.13% / low 6.50% Oct 9, 20267.13%▲ from 6.62%* Sep 21, 20266.62%▲ from 6.50% Sep 14, 20266.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Adjustable-Rate Mortgage - 10/1 ARM Medical Professional (Conforming 30-year term)	7.00%	0.125	7.127%	30-year
Details Initial Payment: $1,995.91; Adjusted Rate (After 1st Adj.): 7.000%; Adjusted APR: 7.000%; Adjusted Payment: $1,996 Last Updated 10/09/2026 Rate History 2 changes since Sep 14, 2026 · 6.50% → 7.13% ▲ 0.63 pts · high 7.13% / low 6.50% Oct 9, 20267.13%▲ from 6.62%* Sep 21, 20266.62%▲ from 6.50% Sep 14, 20266.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Fixed-Rate Mortgage - 15 Year Fixed (Conforming-Purchase)	7.00%	-	7.186%	15 years
No additional details. Last Updated 10/09/2026 Rate History 1 change since Sep 17, 2026 · 6.68% → 7.19% ▲ 0.51 pts · high 7.19% / low 6.68% Sep 29, 20267.19%▲ from 6.68% Sep 17, 20266.68%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Adjustable-Rate Mortgage - 10/1 ARM (Conforming 30-year term)	7.125%	0.125	7.213%	30-year
Details Initial Payment: $2,021.16; Adjusted Rate (After 1st Adj.): 7.000%; Adjusted APR: 7.000%; Adjusted Payment: $1,996 Last Updated 10/09/2026 Rate History 1 change since Sep 21, 2026 · 6.71% → 7.21% ▲ 0.51 pts · high 7.21% / low 6.71% Oct 9, 20267.21%▲ from 6.71%* Sep 21, 20266.71%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Adjustable-Rate Mortgage - 10/1 ARM Higher Educator (Jumbo 30-year term)	7.25%	0.125	7.243%	30-year
Details Initial Payment: $5,681.16; Adjusted Rate (After 1st Adj.): 7.000%; Adjusted APR: 7.000%; Adjusted Payment: $5,541 Last Updated 10/09/2026 Rate History 2 changes since Sep 14, 2026 · 6.61% → 7.24% ▲ 0.63 pts · high 7.24% / low 6.61% Oct 9, 20267.24%▲ from 6.74%* Sep 21, 20266.74%▲ from 6.61% Sep 14, 20266.61%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Adjustable-Rate Mortgage - 10/1 ARM Medical Professional (Jumbo 30-year term)	7.25%	0.125	7.243%	30-year
Details Initial Payment: $5,681.16; Adjusted Rate (After 1st Adj.): 7.000%; Adjusted APR: 7.000%; Adjusted Payment: $5,541 Last Updated 10/09/2026 Rate History 2 changes since Sep 14, 2026 · 6.61% → 7.24% ▲ 0.63 pts · high 7.24% / low 6.61% Oct 9, 20267.24%▲ from 6.74%* Sep 21, 20266.74%▲ from 6.61% Sep 14, 20266.61%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Adjustable-Rate Mortgage - 7/1 ARM (Conforming 30-year term)	7.375%	-	7.318%	30-year
Details Initial Payment: $2,072.03; Adjusted Rate (After 1st Adj.): 7.000%; Adjusted APR: 7.000%; Adjusted Payment: $1,996 Last Updated 10/09/2026 Rate History 2 changes since Sep 17, 2026 · 6.86% → 7.32% ▲ 0.46 pts · high 7.38% / low 6.86% Oct 9, 20267.32%▼ from 7.38%* Sep 29, 20267.38%▲ from 6.86% Sep 17, 20266.86%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Adjustable-Rate Mortgage - 10/1 ARM (Jumbo 30-year term)	7.375%	0.125	7.329%	30-year
Details Initial Payment: $5,751.94; Adjusted Rate (After 1st Adj.): 7.000%; Adjusted APR: 7.000%; Adjusted Payment: $5,541 Last Updated 10/09/2026 Rate History 1 change since Sep 21, 2026 · 6.82% → 7.33% ▲ 0.51 pts · high 7.33% / low 6.82% Oct 9, 20267.33%▲ from 6.82%* Sep 21, 20266.82%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Adjustable-Rate Mortgage - 7/1 ARM (Jumbo 30-year term)	7.625%	-	7.398%	30-year
Details Initial Payment: $5,894.51; Adjusted Rate (After 1st Adj.): 7.000%; Adjusted APR: 7.000%; Adjusted Payment: $5,541 Last Updated 10/09/2026 Rate History 2 changes since Sep 17, 2026 · 7.00% → 7.40% ▲ 0.40 pts · high 7.63% / low 7.00% Oct 9, 20267.40%▼ from 7.63%* Sep 29, 20267.63%▲ from 7.00% Sep 17, 20267.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
FHA Mortgage - FHA 30 Year (FHA)	7.625%	0.125	7.744%	30 year
No additional details. Last Updated 10/09/2026 Rate History 3 changes since Sep 14, 2026 · 6.73% → 7.74% ▲ 1.01 pts · high 7.74% / low 6.73% Oct 9, 20267.74%▲ from 6.99% Sep 25, 20266.99%▲ from 6.86% Sep 17, 20266.86%▲ from 6.73% Sep 14, 20266.73%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
VA 30 Year (VA) Loan	7.625%	0.250	7.755%	30 year
No additional details. Last Updated 10/09/2026 Rate History 1 change since Sep 25, 2026 · 7.00% → 7.76% ▲ 0.76 pts · high 7.76% / low 7.00% Oct 9, 20267.76%▲ from 7.00% Sep 25, 20267.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Fixed-Rate Mortgage - 30 Year Fixed (Conforming-Purchase)	7.625%	0.125	7.76%	30 years
No additional details. Last Updated 10/09/2026 Rate History 1 change since Sep 21, 2026 · 7.25% → 7.76% ▲ 0.51 pts · high 7.76% / low 7.25% Oct 9, 20267.76%▲ from 7.25% Sep 21, 20267.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%

Allegacy Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Vehicle Loan	-	-	5.19%	1-66 Months
Details As Low As; Loan Rates subject to determination of creditworthiness. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 5.19% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Used Vehicle Loan	-	-	5.19%	1-60 Months
Details As Low As; Used Vehicle (Term: 1-60 Months) Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 5.19% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Used Vehicle Loan	-	-	5.70%	61-66 Months
Details As Low As; Used Vehicle (Term: 61-66 Months) Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 5.70% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
New Vehicle Loan	-	-	5.85%	76-84 Months
Details As Low As; Loan Rates subject to determination of creditworthiness. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 5.85% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Used Vehicle Loan	-	-	5.85%	67-75 Months
Details As Low As; Used Vehicle (Term: 67-75 Months) Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 5.85% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Extended Mileage Car Loan	-	-	6.94%	1-48 Months
Details As Low As; Payroll Deduction or Automatic Draft Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 6.94% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Extended Mileage Car Loan	-	-	7.14%	49-60 Months
Details As Low As; Payroll Deduction or Automatic Draft Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 7.14% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Extended Mileage Car Loan	-	-	7.44%	1-48 Months
Details As Low As; Non-Payroll Deduction Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 7.44% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Extended Mileage Car Loan	-	-	7.64%	49-60 Months
Details As Low As; Non-Payroll Deduction Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 7.64% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%

Allegacy Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Motorcycle Loan	-	7.75%	60 Months
Details Additional APR listed for this product: 8.25%. As Low As; New - Up to 90% of purchase price not to exceed 10% over MSRP. Used - Up to 90% of NADA loan value. Last Updated 10/09/2026 Rate History 1 change since Sep 21, 2026 · 8.25% → 7.75% ▼ 0.50 pts · high 8.25% / low 7.75% Oct 5, 20267.75%▼ from 8.25% Sep 21, 20268.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
New Boats and Motor Homes Loan	10.00%	10.50%
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 10.50% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Used Boat/Trailer/Tractors Loan	11.00%	11.50%
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 11.50% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%

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 10/09/2026 Rate History No change since Sep 14, 2026 · 9.75% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%

Allegacy Federal Credit Union Credit Card Rates

Product	Rate	APR
Visa Platinum	-	11.90%
Details Published APR range: 11.90%-16.90%. APRs are variable and will vary with the market based on the Prime Rate. The APR you receive may be based on your creditworthiness. Rates and terms are subject to change. Membership eligibility required. Subject to credit approval. See the Application and Solicitation Disclosure for complete terms and details. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 11.65% → 11.90% ▲ 0.25 pts · high 11.90% / low 11.65% Sep 17, 202611.90%▲ from 11.65% Sep 14, 202611.65%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Visa Signature Rewards	-	14.90%
Details Published APR range: 14.90%-16.90%. APRs are variable and will vary with the market based on the Prime Rate. The APR you receive may be based on your creditworthiness. Rates and terms are subject to change. Membership eligibility required. Subject to credit approval. See the Application and Solicitation Disclosure for complete terms and details. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 14.65% → 14.90% ▲ 0.25 pts · high 14.90% / low 14.65% Sep 17, 202614.90%▲ from 14.65% Sep 14, 202614.65%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Visa Platinum Secured	-	18.00%
Details APRs are variable and will vary with the market based on the Prime Rate. The APR you receive may be based on your creditworthiness. Rates and terms are subject to change. Membership eligibility required. Subject to credit approval. See the Application and Solicitation Disclosure for complete terms and details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 18.00% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%

Allegacy Federal Credit Union Personal Loan Rates

Product	APR	Term	View More
Consolidation Loan	8.99%
Details As Low As; Payroll deduction or automatic draft Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 8.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Consolidation Loan	9.49%
Details As Low As; Non-payroll deducation Last Updated 10/09/2026 Rate History 2 changes since Sep 14, 2026 · 9.49% → 9.49% ▼ 0.00 pts · high 9.49% / low 8.99% Oct 5, 20269.49%▲ from 8.99% Sep 18, 20268.99%▼ from 9.49% Sep 14, 20269.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Unsecured Loan	12.00%
No additional details. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 13.50% → 12.00% ▼ 1.50 pts · high 13.50% / low 12.00% Oct 5, 202612.00%▼ from 13.50% Sep 14, 202613.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Unsecured Loan	13.50%
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 13.50% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Unsecured	14.25%
Details As low as; Payroll deduction or automatic draft APR; Non-payroll deducation APR; Up to 100% of Purchase Price not to exceed 10% over the Manufacturer's Suggested Retail Price (MSRP) Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 13.50% → 14.25% ▲ 0.75 pts · high 14.25% / low 13.50% Oct 5, 202614.25%▲ from 13.50% Sep 14, 202613.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Visa Signature Rewards	14.90%
Details Published APR range: 14.90%-16.90%. APRs are variable and will vary with the market based on the Prime Rate. The APR you receive may be based on your creditworthiness. Rates and terms are subject to change. Membership eligibility required. Subject to credit approval. See the Application and Solicitation Disclosure for complete terms and details. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 14.65% → 14.90% ▲ 0.25 pts · high 14.90% / low 14.65% Sep 17, 202614.90%▲ from 14.65% Sep 14, 202614.65%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%

Allegacy Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
College Loan	-	-	7.50%
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 10/09/2026 Rate History No change since Sep 14, 2026 · 7.50% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Computer Loan	-	-	6.00%
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 10/09/2026 Rate History 1 change since Sep 14, 2026 · 6.50% → 6.00% ▼ 0.50 pts · high 6.50% / low 6.00% Sep 21, 20266.00%▼ from 6.50% Sep 14, 20266.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Computer Loan	-	-	6.50%
Details 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 10/09/2026 Rate History 2 changes since Sep 14, 2026 · 6.50% → 6.50% ▼ 0.00 pts · high 6.50% / low 6.00% Oct 5, 20266.50%▲ from 6.00% Sep 21, 20266.00%▼ from 6.50% Sep 14, 20266.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Lifestyle Loan	9.85%	-	9.85%
Details Payroll deduction or automatic draft APR; Non-payroll deducation APR Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 9.85% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Mortgage Eliminator Loan - Secondary Residence	-	-	5.40%	180 months
Details As Low As; Secondary Residence up to $1,000,000**; 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. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 5.40% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
New Trailer/Tractors Loan	10.00%	-	10.50%
Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 10.50% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Share Loan	-	-	5.75%
Details Payroll deduction or automatic draft Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 5.75% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Share Loan	-	-	6.25%
Details Non-payroll deducation Last Updated 10/09/2026 Rate History 2 changes since Sep 14, 2026 · 6.25% → 6.25% ▼ 0.00 pts · high 6.25% / low 5.75% Oct 5, 20266.25%▲ from 5.75% Sep 18, 20265.75%▼ from 6.25% Sep 14, 20266.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%

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

Allegacy Federal Credit Union’s Texas Ratio rose from 2.40% in Q3 2023 to 4.25% in Q2 2026, so its financial health has stayed 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
June 30, 2026	$2.6B	4.25%	5.0	A+
March 31, 2026	$2.6B	3.33%	5.0	A+
December 31, 2025	$2.5B	7.45%	5.0	A
September 30, 2025	$2.4B	6.46%	5.0	A
June 30, 2025	$2.4B	4.34%	5.0	A+
March 31, 2025	$2.4B	3.41%	5.0	A+
December 31, 2024	$2.4B	3.91%	5.0	A+
September 30, 2024	$2.3B	3.61%	5.0	A+
June 30, 2024	$2.3B	3.19%	5.0	A+
March 31, 2024	$2.3B	2.97%	5.0	A+
December 31, 2023	$2.2B	3.01%	5.0	A+
September 30, 2023	$2.2B	2.40%	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 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 426

Part-Time Employees 6

Branch Locations 29

ATM Locations 19

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

4.25%

Return on Assets (ROA)

0.5478%

Return on Equity (ROE)

4.7891%

Non-Performing Loans Ratio (NPL)

0.65%

Total Assets

2,591,151,117

Total Amount of Shares and Deposits

2,208,340,868

Total Shares and Deposits < 1 Year

2,134,970,086

Total Shares and Deposits 1 3 Years

72,171,192

Total Shares and Deposits > 3 Years

1,199,590

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

265,039,100

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

265,039,100

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

1,943,301,768

Total Interest Expense (Sum of items 6 8)

22,599,757

Share Certificates

10,046

Number of Accounts for Share Drafts

98,801

IRA KEOGH Accounts

4,632

Number of Accounts for Regular Shares

201,932

Money Market Shares

15,384

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)

222,011,599

Total Liabilities

2,293,478,223

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Allegacy Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 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, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
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       width="160" height="160">
</a>

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 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.

Current Allegacy Federal Credit Union Rates

12-Month CD3.15%
18-Month CD3.05%
24-Month CD3.55%
60-Month CD3.25%
Savings0.85%
MMA3.45%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Allegacy Federal Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Allegacy Federal Credit Union Texas Ratio

Allegacy Federal Credit Union Health Trend

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Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Allegacy Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Allegacy Federal Credit Union

How many branches does Allegacy Federal Credit Union operate?

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

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Allegacy Federal Credit Union offer online and mobile banking?

Current Allegacy Federal Credit Union Rates

Compare to Other Credit Unions