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Allegacy Federal Credit Union Rates & Review August 2026

Allegacy Federal Credit Union's IRA CD 11 Month rates are at 4.10%, 11 Month CD rates are at 4.00%, IRA CD 14 Month rates are at 3.95%, 14 Month CD rates are at 3.85%, IRA CD 2 Year rates are at 3.65%. 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 Adjustable Mortgage Rates - 15/15 ARM (Conforming 30-year term) rates are at 5.62%, Adjustable-Rate Mortgage - 15/15 ARM (Conforming 30-year term) rates are at 5.62%, Adjustable Mortgage Rates - 10/1 ARM Community Heroes (Conforming 30-year term) rates are at 6.00%, Adjustable Mortgage Rates - 10/1 ARM Higher Educator (Conforming 30-year term) rates are at 6.00%, Adjustable Mortgage Rates - 10/1 ARM Medical Professional (Conforming 30-year term) rates are at 6.00%. Allegacy Federal Credit Union's Personal Loan Rates are at 4.69%. 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 last updated and verified on 08/28/2026.

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 ?
A
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
Member NCUA

Allegacy Federal Credit Union CD Rates

Product Rate APY Term View More
IRA Certificate 11 Month 4.01% 4.10% 11 Month
Min Deposit $500
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.46%
11 Month Certificate 3.92% 4.00% 11 Month
Min Deposit $500
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.46%
IRA Certificate 14 Month 3.87% 3.95% 14 Month
Min Deposit $500
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.46%
14 Month Certificate 3.78% 3.85% 14 Month
Min Deposit $500
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.46%
IRA Certificate 2 Year 3.59% 3.65% 2 Year
Min Deposit $500
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.46%
2 Year 3.49% 3.55% 2 Year
Min Deposit $500
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.46%
7 Month Early Withdrawal 3.39% 3.45% 7 Month
Min Deposit $500
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.46%
IRA Certificate 5 Year 3.30% 3.35% 5 Year
Min Deposit $500
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.46%
IRA Certificate 4 Year 3.25% 3.30% 4 Year
Min Deposit $500
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.46%
5 Year 3.20% 3.25% 5 Year
Min Deposit $500
Last Updated 08/28/2026
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
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.46%
IRA Certificate 3 Year 3.20% 3.25% 3 Year
Min Deposit $500
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.46%
Online 24 Month Certificate 3.20% 3.25% 24 Month
Min Balance $1,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.46%
4 Year 3.15% 3.20% 4 Year
Min Deposit $500
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.46%
12 Month 3.10% 3.15% 12 Month
Min Deposit $500
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.46%
3 Year 3.10% 3.15% 3 Year
Min Deposit $500
Last Updated 08/28/2026
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
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.46%
18 Month 3.01% 3.05% 18 Month
Min Deposit $500
Last Updated 08/28/2026
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
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.46%
9 Month 2.42% 2.45% 9 Month
Min Deposit $500
Last Updated 08/28/2026
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
Last Updated 08/28/2026
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
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.46%
6 Month 2.32% 2.35% 6 Month
Min Deposit $500
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.46%
3 Month 2.27% 2.30% 3 Month
Min Deposit $500
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.46%

Allegacy Federal Credit Union Savings Rates

Product Rate APY View More
AllHealth Wellness Savings 1.05% 1.05%
Min Deposit $5
Details Qualifications Required: 12 YMCA visits; Rate based on 12 YMCA visits in the previous month. All balances earn 0.10% APY. Qualifying fitness facilities: YMCA of Northwest North Carolina and Leonard J. Kaplan Center for Wellness. One visit per household per day. One account per household.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.46%
AllHealth Wellness Savings 0.85% 0.85%
Min Deposit $5
Details Qualifications Required: 8-11 YMCA visits; Rate based on 8-11 YMCA visits in the previous month. All balances earn 0.10% APY. Qualifying fitness facilities: YMCA of Northwest North Carolina and Leonard J. Kaplan Center for Wellness. One visit per household per day. One account per household.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.46%
AllHealth Wellness Savings 0.75% 0.75%
Min Deposit $5
Details Qualifications Required: 4-7 YMCA visits; Rate based on 4-7 YMCA visits in the previous month. All balances earn 0.10% APY. Qualifying fitness facilities: YMCA of Northwest North Carolina and Leonard J. Kaplan Center for Wellness. One visit per household per day. One account per household.
Last Updated 08/28/2026
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
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.46%
Vacation Club Savings 0.35% 0.35%
Min Deposit $10
Min Balance $100,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.46%
Beginners Best Kids Savings 0.30% 0.30%
Min Deposit $5
Min Balance $25,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.46%
Holiday Club Savings 0.30% 0.30%
Min Deposit $10
Min Balance $0
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.46%
Vacation Club Savings 0.30% 0.30%
Min Deposit $10
Min Balance $0
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.46%
AllHealth Wellness Savings 0.10% 0.10%
Min Deposit $5
Details Qualifications Required: 0-3 YMCA visits; Rate based on 0-3 YMCA visits in the previous month. All balances earn 0.10% APY. Qualifying fitness facilities: YMCA of Northwest North Carolina and Leonard J. Kaplan Center for Wellness. One visit per household per day. One account per household.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.46%
Daily Access Savings 0.10% 0.10%
Min Deposit $5
Min Balance $25,000
Details Rates are variable and may change after the account is opened. APY is accurate as of 02.17.26. 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 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.46%

Allegacy Federal Credit Union Money Market Rates

Product Rate APY View More
Feature Money Market Account 3.40% 3.45%
Min Deposit $50
Min Balance $0
Details APY applies to balances up to $250,000.00
Last Updated 08/28/2026
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 08/28/2026
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
Last Updated 08/28/2026
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 08/28/2026
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
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.46%
Business Money Market Account 2.08% 2.10%
Min Balance $250,000
Last Updated 08/28/2026
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 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.46%
Business Money Market Account 1.98% 2.00%
Min Balance $100,000
Last Updated 08/28/2026
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
Last Updated 08/28/2026
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
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.46%
Business Money Market Account 1.88% 1.90%
Min Balance $50,000
Last Updated 08/28/2026
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
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.46%
Business Money Market Account 1.79% 1.80%
Min Balance $10,000
Last Updated 08/28/2026
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
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.46%
Business Money Market Account 1.49% 1.50%
Min Balance $0
Last Updated 08/28/2026
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
Last Updated 08/28/2026
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 applies to balances over $250,000.00
Last Updated 08/28/2026
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 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.46%
High Tier Money Market Account 0.05% 0.05%
Min Balance $0
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.46%

Allegacy Federal Credit Union Checking Rates

Product Rate APY View More
SmartRate Checking 2.96% 3.00%
Min Deposit $50
Min Balance $0
Details Qualifications Required: eStatements enrollment; at least 20 debit card transactions per cycle; a direct deposit or ACH debit per cycle; Up to $25,000
Last Updated 08/28/2026
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: eStatements enrollment; at least 20 debit card transactions per cycle; a direct deposit or ACH debit per cycle; $25,000 or more
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.46%
Preferred Checking 0.05% 0.05%
Min Deposit $50
Min Balance $10,000
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 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.46%
SmartRate Checking 0.05% 0.05%
Min Deposit $50
Details Any balance if requirements are not met
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.46%
Digital Best Checking 0.00% 0.00%
Min Deposit $50
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.46%

Allegacy Federal Credit Union Mortgage Rates

Product Rate Points APR Term View More
Adjustable Mortgage Rates - 15/15 ARM (Conforming 30-year term) 5.63% - 5.99%
Details Adjusted Rate (After 1st Adj.): 7.250%; Adjusted APR: 7.250%
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.46%
Adjustable-Rate Mortgage - 15/15 ARM (Conforming 30-year term) 5.63% - 5.99% 30-year term
Details Adjusted Rate (After 1st Adj.): 7.250%; Adjusted APR: 7.250%
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.46%
Adjustable Mortgage Rates - 10/1 ARM Community Heroes (Conforming 30-year term) 6.00% 0.125 6.29%
Details Adjusted Rate (After 1st Adj.): 6.625%; Adjusted APR: 6.625%
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.46%
Adjustable Mortgage Rates - 10/1 ARM Higher Educator (Conforming 30-year term) 6.00% 0.125 6.29%
Details Adjusted Rate (After 1st Adj.): 6.625%; Adjusted APR: 6.625%
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.46%
Adjustable Mortgage Rates - 10/1 ARM Medical Professional (Conforming 30-year term) 6.00% 0.125 6.29%
Details Adjusted Rate (After 1st Adj.): 6.625%; Adjusted APR: 6.625%
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.46%
Adjustable-Rate Mortgage - 10/1 ARM Community Heroes (Conforming 30-year term) 6.00% 0.125 6.29% 30-year term
Details Adjusted Rate (After 1st Adj.): 6.625%; Adjusted APR: 6.625%
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.46%
Adjustable-Rate Mortgage - 10/1 ARM Higher Educator (Conforming 30-year term) 6.00% 0.125 6.29% 30-year term
Details Adjusted Rate (After 1st Adj.): 6.625%; Adjusted APR: 6.625%
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.46%
Adjustable-Rate Mortgage - 10/1 ARM Medical Professional (Conforming 30-year term) 6.00% 0.125 6.29% 30-year term
Details Adjusted Rate (After 1st Adj.): 6.625%; Adjusted APR: 6.625%
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.46%
Fixed-Rate Mortgage - 15 Year Fixed (Conforming-Purchase) 6.13% - 6.30% 15 Year
No additional details.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.46%
Adjustable Mortgage Rates - 10/1 ARM (Conforming 30-year term) 6.13% 0.125 6.37%
Details Adjusted Rate (After 1st Adj.): 6.625%; Adjusted APR: 6.625%
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.46%
Adjustable-Rate Mortgage - 10/1 ARM (Conforming 30-year term) 6.13% 0.125 6.37% 30-year term
Details Adjusted Rate (After 1st Adj.): 6.625%; Adjusted APR: 6.625%
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.46%
Adjustable Mortgage Rates - 10/1 ARM Higher Educator (Jumbo 30-year term) 6.25% 0.125 6.40%
Details Adjusted Rate (After 1st Adj.): 6.625%; Adjusted APR: 6.625%
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.46%
Adjustable Mortgage Rates - 10/1 ARM Medical Professional (Jumbo 30-year term) 6.25% 0.125 6.40%
Details Adjusted Rate (After 1st Adj.): 6.625%; Adjusted APR: 6.625%
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.46%
Adjustable-Rate Mortgage - 10/1 ARM Community Heroes (Jumbo 30-year term) 6.25% 0.125 6.40% 30-year term
Details Adjusted Rate (After 1st Adj.): 6.625%; Adjusted APR: 6.625%
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.46%
Adjustable-Rate Mortgage - 10/1 ARM Higher Educator (Jumbo 30-year term) 6.25% 0.125 6.40% 30-year term
Details Adjusted Rate (After 1st Adj.): 6.625%; Adjusted APR: 6.625%
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.46%
Adjustable-Rate Mortgage - 10/1 ARM Medical Professional (Jumbo 30-year term) 6.25% 0.125 6.40% 30-year term
Details Adjusted Rate (After 1st Adj.): 6.625%; Adjusted APR: 6.625%
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.46%
Adjustable Mortgage Rates - 5/1 ARM (Conforming 30-year term) 6.00% - 6.41%
Details Adjusted Rate (After 1st Adj.): 6.625%; Adjusted APR: 6.625%
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.46%
Adjustable-Rate Mortgage - 5/1 ARM (Conforming 30-year term) 6.00% - 6.41% 30-year term
Details Adjusted Rate (After 1st Adj.): 6.625%; Adjusted APR: 6.625%
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.46%
FHA Mortgage - FHA 30 Year (FHA) 6.38% - 6.47% 30 Year
Details Rates last updated on 08/24/2026 at 12:15 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. For example, an FHA loan with 30 year term for a loan amount of $361,875, the interest rate of 6.375%, with an APR of 6.468%, would result in an estimated monthly principal and interest payment of $2,257.63. This example does not include mortgage insurance premiums, taxes, insurance, or escrow amounts; your actual payment obligation may be greater.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.46%
FHA Mortgage Rates - FHA 30 Year (FHA) 6.38% - 6.47% 30 Year
No additional details.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.46%
Adjustable Mortgage Rates - 7/1 ARM (Conforming 30-year term) 6.25% - 6.48%
Details Adjusted Rate (After 1st Adj.): 6.625%; Adjusted APR: 6.625%
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.46%
Adjustable-Rate Mortgage - 7/1 ARM (Conforming 30-year term) 6.25% - 6.48% 30-year term
Details Adjusted Rate (After 1st Adj.): 6.625%; Adjusted APR: 6.625%
Last Updated 08/28/2026
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 08/24/2026 at 12:15 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. For example, a VA loan with 30 year term for a loan amount of $375,000, the internet rate of 6.375%, with an APR of 6.478% would result in an estimated monthly principal and interest payment of $2,339.51. This example does not include taxes, insurance, or escrow amounts; your actual payment obligation may be greater.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.46%
Adjustable Mortgage Rates - 10/1 ARM (Jumbo 30-year term) 6.38% 0.125 6.48%
Details Adjusted Rate (After 1st Adj.): 6.625%; Adjusted APR: 6.625%
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.46%
Adjustable-Rate Mortgage - 10/1 ARM (Jumbo 30-year term) 6.38% 0.125 6.48% 30-year term
Details Adjusted Rate (After 1st Adj.): 6.625%; Adjusted APR: 6.625%
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.46%
Adjustable Mortgage Rates - 7/1 ARM (Jumbo 30-year term) 6.50% - 6.56%
Details Adjusted Rate (After 1st Adj.): 6.625%; Adjusted APR: 6.625%
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.46%
Adjustable-Rate Mortgage - 7/1 ARM (Jumbo 30-year term) 6.50% - 6.56% 30-year term
Details Adjusted Rate (After 1st Adj.): 6.625%; Adjusted APR: 6.625%
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.46%
Fixed-Rate Mortgage - 30 Year Fixed (Conforming-Purchase) 6.75% - 6.86% 30 Year
No additional details.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.46%

Allegacy Federal Credit Union Auto Loan Rates

Product Rate Points APR Term View More
Used Vehicle (Term: 1-60 Months) Loan - - 4.69% 60 Months
Details As Low As; Payroll Deduction or Automatic Draft
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.46%
New Vehicle (Term: 1-66 Months) Loan - - 5.19% 66 Months
Details As Low As; Payroll Deduction or Automatic Draft APR: 4.69%
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.46%
Used Vehicle (Term: 1-60 Months) Loan - - 5.19% 60 Months
Details As Low As; Non-Payroll Deduction
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.46%
Used Vehicle (Term: 61-66 Months) Loan - - 5.20% 66 Months
Details As Low As; Payroll Deduction or Automatic Draft
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.46%
Used Vehicle (Term: 67-75 Months) Loan - - 5.35% 75 Months
Details As Low As; Payroll Deduction or Automatic Draft
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.46%
New Vehicle (Term: 67-75 Months) Loan - - 5.70% 75 Months
Details As Low As; Payroll Deduction or Automatic Draft APR: 5.20%
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.46%
Used Vehicle (Term: 61-66 Months) Loan - - 5.70% 66 Months
Details As Low As; Non-Payroll Deduction
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.46%
New Vehicle (Term: 76-84 Months) Loan - - 5.85% 84 Months
Details As Low As; Payroll Deduction or Automatic Draft APR: 5.35%
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.46%
Used Vehicle (Term: 67-75 Months) Loan - - 5.85% 75 Months
Details As Low As; Non-Payroll Deduction
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.46%
Extended Mileage Car Loan - - 6.94% 1-48 Months
Details As Low As; Payroll Deduction or Automatic Draft; Maximum age of vehicle: 10 years old. Maximum mileage can exceed 100,000 miles. Maximum length of loan subject to loan amount: $10,000+ up to 5 years; $5,000+ up to 4 years; and less than $5,000 up to 3 years.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.46%
Extended Mileage Car Loan - - 7.14% 49-60 Months
Details As Low As; Payroll Deduction or Automatic Draft; Maximum age of vehicle: 10 years old. Maximum mileage can exceed 100,000 miles. Maximum length of loan subject to loan amount: $10,000+ up to 5 years; $5,000+ up to 4 years; and less than $5,000 up to 3 years.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.46%
Extended Mileage Car Loan - - 7.44% 1-48 Months
Details As Low As; Non-Payroll Deduction; Maximum age of vehicle: 10 years old. Maximum mileage can exceed 100,000 miles. Maximum length of loan subject to loan amount: $10,000+ up to 5 years; $5,000+ up to 4 years; and less than $5,000 up to 3 years.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.46%
Extended Mileage Car Loan - - 7.64% 49-60 Months
Details As Low As; Non-Payroll Deduction; Maximum age of vehicle: 10 years old. Maximum mileage can exceed 100,000 miles. Maximum length of loan subject to loan amount: $10,000+ up to 5 years; $5,000+ up to 4 years; and less than $5,000 up to 3 years.
Last Updated 08/28/2026
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 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.46%

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
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
1
Money Market Shares
12,594
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)
171,649,866
Total Liabilities
2,129,148,673
Source: NCUA — Last Updated 09/30/2025

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Frequently Asked Questions About Allegacy Federal Credit Union

How many branches does Allegacy Federal Credit Union operate?

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

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

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

Is there a first-time homebuyer program?

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

Are credit management and repair services offered?

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

Does Allegacy Federal Credit Union offer online and mobile banking?

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

Current Allegacy Federal Credit Union Rates

  • 12-Month CD3.15%
  • 18-Month CD3.05%
  • 24-Month CD3.25%
  • 60-Month CD3.25%
  • Savings0.10%
  • MMA0.05%
Retrieved from our database of financial products. Rates subject to change.