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 13, 2026

Allegacy Federal Credit Union's top rates as of October 13, 2026 are 5.00% APY on its 15-Month CD, 0.85% APY on savings, 3.45% APY on money market accounts, 3.00% APY on checking, 2.91% on its 5 Year Certificates - 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 5-Month CD at 5.00%, IRA CD - 2 Year at 3.65%, and 2 Year CD at 3.55%. Other Allegacy Federal Credit Union mortgage rates include Mortgage Saver (5 yr) at 2.91%, Adjustable-Rate Mortgage - 15/15 ARM (Conforming 30-year term) at 6.38%, and Adjustable-Rate Mortgage - 10/1 ARM Community Heroes (Conforming 30-year term) at 6.88%. 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 10/13/2026.

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 Certificate	4.879%	5.00%	15 months
Min Deposit $500 Min Balance $500 Details Balance: $500.00 - $500,000.00; Balance limit: $500,000.00 total across all 15-month accounts; Rates effective as of 10.05.26 Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 5.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
5-Month Certificate	4.879%	5.00%	5 months
Min Deposit $500 Min Balance $500 Details Balance: $500.00 - $500,000.00; Balance limit: $500,000.00 total across all 5-month accounts; Rates effective as of 10.05.26 Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 5.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
IRA Certificate - 2 Year	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 10/13/2026 Rate History No change since Sep 14, 2026 · 3.65% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
2 Year Certificate	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 10/13/2026 Rate History No change since Sep 14, 2026 · 3.55% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
7-Month Early Withdrawal	3.392%	3.45%	7 months
Min Deposit $500 Min Balance $500 Details Balance: $500.00 - $1,000,000.00; Early withdrawal penalty may apply; Rates effective as of 10.05.26 Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 3.45% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
IRA Certificate - 5 Year	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 10/13/2026 Rate History No change since Sep 14, 2026 · 3.35% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
IRA Certificate - 4 Year	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 10/13/2026 Rate History No change since Sep 14, 2026 · 3.30% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
5 Year Certificate	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 10/13/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
IRA Certificate - 12 Month	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 10/13/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
IRA Certificate - 3 Year	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 10/13/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
4 Year Certificate	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 10/13/2026 Rate History No change since Sep 14, 2026 · 3.20% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
12 Month Certificate	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 10/13/2026 Rate History No change since Sep 14, 2026 · 3.15% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
3 Year Certificate	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 10/13/2026 Rate History No change since Sep 14, 2026 · 3.15% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
IRA Certificate - 18 Month	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 10/13/2026 Rate History No change since Sep 14, 2026 · 3.15% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
18 Month Certificate	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 10/13/2026 Rate History No change since Sep 14, 2026 · 3.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
IRA Certificate - 9 Month	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 10/13/2026 Rate History No change since Sep 14, 2026 · 2.55% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
9 Month Certificate	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 10/13/2026 Rate History No change since Sep 14, 2026 · 2.45% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
IRA Certificate - 6 Month	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 10/13/2026 Rate History No change since Sep 14, 2026 · 2.45% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
IRA Certificate - 3 Month	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 10/13/2026 Rate History No change since Sep 14, 2026 · 2.40% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
6 Month Certificate	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 10/13/2026 Rate History No change since Sep 14, 2026 · 2.35% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
3 Month Certificate	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 10/13/2026 Rate History No change since Sep 14, 2026 · 2.30% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%

Allegacy Federal Credit Union Savings Rates

Product	Rate	APY
Personal Savings	0.85%	0.85%
Min Deposit $5 Details YMCA visits: 8-11; Dividend tiers based on prior-month qualifying facility visits; Qualifying facilities: YMCA of Northwest North Carolina and Leonard J. Kaplan Center for Wellness; One visit per household per day and one account per household Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 0.85% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Personal Savings	0.75%	0.75%
Min Deposit $5 Details YMCA visits: 4-7; Dividend tiers based on prior-month qualifying facility visits; Qualifying facilities: YMCA of Northwest North Carolina and Leonard J. Kaplan Center for Wellness; One visit per household per day and one account per household Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 0.75% APY 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 10/13/2026 Rate History No change since Sep 18, 2026 · 0.35% APY · checked 4 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; APY accurate as of 02.01.26; Rates are variable and may change after the account is opened Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 0.35% APY · checked 7 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; APY accurate as of 02.01.26; Rates are variable and may change after the account is opened Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.35% APY · checked 8 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 Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 0.30% APY · checked 4 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 Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 0.30% 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 $5,000 Details Balance: $5,000 or more; Rates are variable and may change after the account is opened Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 0.30% 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 $2,500 Details Balance: $2,500 or more; Rates are variable and may change after the account is opened Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 0.30% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Holiday Club Savings	0.30%	0.30%
Min Deposit $10 Details Balance: Up to $2,000 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Vacation Club Savings	0.30%	0.30%
Min Deposit $10 Details Balance: Up to $2,000; APY accurate as of 02.01.26; Rates are variable and may change after the account is opened Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Personal Savings	0.10%	0.10%
Min Deposit $5 Min Balance $25,000 Details Balance: $25,000 or more Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 0.10% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Personal Savings	0.10%	0.10%
Min Deposit $5 Min Balance $10,000 Details Balance: $10,000 or more Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 0.10% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Personal Savings	0.10%	0.10%
Min Deposit $5 Min Balance $5,000 Details Balance: $5,000 or more Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 0.10% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Personal Savings	0.10%	0.10%
Min Deposit $5 Min Balance $2,500 Details Balance: $2,500 or more Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 0.10% APY 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; Limit one account per member Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 3.45% APY · checked 7 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 10/13/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 8 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 10/13/2026 Rate History No change since Sep 14, 2026 · 2.50% APY · checked 8 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 10/13/2026 Rate History No change since Sep 14, 2026 · 2.00% APY · checked 8 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 10/13/2026 Rate History No change since Sep 14, 2026 · 2.00% APY · checked 8 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 10/13/2026 Rate History No change since Sep 14, 2026 · 1.90% APY · checked 8 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 10/13/2026 Rate History No change since Sep 14, 2026 · 1.80% APY · checked 8 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 10/13/2026 Rate History No change since Sep 14, 2026 · 1.50% APY · checked 8 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; Limit one account per member Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 0.15% APY · checked 7 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 Details Balance: Up to $99,999.99 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 2 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 or more Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 8 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 10/13/2026 Rate History No change since Sep 14, 2026 · 2.50% APY · checked 8 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 and over; Available to new and existing members Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 2.10% APY · checked 8 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 10/13/2026 Rate History No change since Sep 14, 2026 · 2.00% APY · checked 8 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; Available to new and existing members Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 2.00% APY · checked 8 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; Available to new and existing members Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 1.90% APY · checked 8 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; Available to new and existing members Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 1.80% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Business Money Market Account	1.49%	1.50%
Details Balance: Daily balance to $9,999.99; Base rate for balances under $10,000.00; Available to new and existing members Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 1.50% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Business High Tier Money Market Account	0.05%	0.05%
Details Balance: Daily balance to $99,999.99 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 8 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 Details Qualifications Required; Balance: Up to $25,000; Blended-tier note: APY for balances over $25,000 varies; if requirements are not met, all balances earn 0.05% APY; up to $25 in ATM fees refunded per month when requirements are met; Fees could reduce earnings Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 0.10% → 3.00% ▲ 2.90 pts · high 3.00% / low 0.10% Sep 18, 20263.00%▲ from 0.10% Sep 14, 20260.10%first recorded 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 Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 0.05% 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 $2,500 Details Balance: $2,500 or more Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 7 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
5 Year Certificates - Mortgage Saver	2.91%	-	2.91%	5 years
Details Balance: $50.00 - $50,000.00; Mortgage Saver (5 yr) Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 2.91% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Mortgage Saver (5 yr)	2.91%	-	2.91%	5 years
Details Balance: $50.00 - $50,000.00 Last Updated 10/13/2026 Rate History No change since Sep 21, 2026 · 2.91% APR · checked 4 times 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%	-	6.711%	30-year
Details Adjusted Rate (After 1st Adj.): 7.625%; Adjusted APR: 7.625%; Initial Payment: $1,871.61; Adjusted Payment: $2,123 Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 6.22% → 6.71% ▲ 0.50 pts · high 6.71% / low 6.22% Oct 13, 20266.71%▲ from 6.22% Sep 14, 20266.22%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)	6.875%	-	7.029%	30-year
Details Adjusted Rate (After 1st Adj.): 7.000%; Adjusted APR: 7.000%; Initial Payment: $1,970.79; Adjusted Payment: $1,996 Last Updated 10/13/2026 Rate History 2 changes since Sep 17, 2026 · 6.57% → 7.03% ▲ 0.46 pts · high 7.03% / low 6.57% Oct 13, 20267.03%▲ from 6.90% Sep 29, 20266.90%▲ from 6.57% Sep 17, 20266.57%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)	6.875%	-	7.029%	30-year
Details Adjusted Rate (After 1st Adj.): 7.000%; Adjusted APR: 7.000%; Initial Payment: $1,970.79; Adjusted Payment: $1,996 Last Updated 10/13/2026 Rate History 2 changes since Sep 17, 2026 · 6.57% → 7.03% ▲ 0.46 pts · high 7.03% / low 6.57% Oct 13, 20267.03%▲ from 6.90% Sep 29, 20266.90%▲ from 6.57% Sep 17, 20266.57%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)	6.875%	-	7.029%	30-year
Details Adjusted Rate (After 1st Adj.): 7.000%; Adjusted APR: 7.000%; Initial Payment: $1,970.79; Adjusted Payment: $1,996 Last Updated 10/13/2026 Rate History 2 changes since Sep 17, 2026 · 6.57% → 7.03% ▲ 0.46 pts · high 7.03% / low 6.57% Oct 13, 20267.03%▲ from 6.90% Sep 29, 20266.90%▲ from 6.57% Sep 17, 20266.57%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)	7.00%	-	7.114%	30-year
Details Adjusted Rate (After 1st Adj.): 7.000%; Adjusted APR: 7.000%; Initial Payment: $1,995.91; Adjusted Payment: $1,996 Last Updated 10/13/2026 Rate History 2 changes since Sep 17, 2026 · 6.65% → 7.11% ▲ 0.46 pts · high 7.11% / low 6.65% Oct 13, 20267.11%▲ from 6.99% Sep 29, 20266.99%▲ from 6.65% Sep 17, 20266.65%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)	7.125%	-	7.145%	30-year
Details Adjusted Rate (After 1st Adj.): 7.000%; Adjusted APR: 7.000%; Initial Payment: $5,610.73; Adjusted Payment: $5,541 Last Updated 10/13/2026 Rate History 2 changes since Sep 17, 2026 · 6.68% → 7.15% ▲ 0.46 pts · high 7.15% / low 6.68% Oct 13, 20267.15%▲ from 7.02% Sep 29, 20267.02%▲ 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 Medical Professional (Jumbo 30-year term)	7.125%	-	7.145%	30-year
Details Adjusted Rate (After 1st Adj.): 7.000%; Adjusted APR: 7.000%; Initial Payment: $5,610.73; Adjusted Payment: $5,541 Last Updated 10/13/2026 Rate History 2 changes since Sep 17, 2026 · 6.68% → 7.15% ▲ 0.46 pts · high 7.15% / low 6.68% Oct 13, 20267.15%▲ from 7.02% Sep 29, 20267.02%▲ 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 - 5/1 ARM (Conforming 30-year term)	7.125%	-	7.167%	30-year
Details Adjusted Rate (After 1st Adj.): 7.000%; Adjusted APR: 7.000%; Initial Payment: $2,021.16; Adjusted Payment: $1,996 Last Updated 10/13/2026 Rate History 4 changes since Sep 14, 2026 · 6.58% → 7.17% ▲ 0.58 pts · high 7.17% / low 6.58% Oct 13, 20267.17%▲ from 7.11% Oct 9, 20267.11%▲ from 7.04% Sep 29, 20267.04%▲ from 6.76% Sep 17, 20266.76%▲ from 6.58% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Fixed-Rate Mortgage - 15 Year Fixed (Conforming-Purchase)	7.00%	0.125	7.206%	15 years
Details Conforming-Purchase; Estimated payment $2,696.48 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 7.21% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Adjustable-Rate Mortgage - 10/1 ARM (Jumbo 30-year term)	7.25%	-	7.23%	30-year
Details Adjusted Rate (After 1st Adj.): 7.000%; Adjusted APR: 7.000%; Initial Payment: $5,681.16; Adjusted Payment: $5,541 Last Updated 10/13/2026 Rate History 2 changes since Sep 17, 2026 · 6.77% → 7.23% ▲ 0.46 pts · high 7.23% / low 6.77% Oct 13, 20267.23%▲ from 7.13% Sep 29, 20267.13%▲ from 6.77% Sep 17, 20266.77%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 Adjusted Rate (After 1st Adj.): 7.000%; Adjusted APR: 7.000%; Initial Payment: $2,072.03; Adjusted Payment: $1,996 Last Updated 10/13/2026 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 - 7/1 ARM (Jumbo 30-year term)	7.625%	-	7.398%	30-year
Details Adjusted Rate (After 1st Adj.): 7.000%; Adjusted APR: 7.000%; Initial Payment: $5,894.51; Adjusted Payment: $5,541 Last Updated 10/13/2026 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%
VA 30 Year (VA) Loan	7.50%	0.125	7.615%	30 years
Details VA Mortgage Program Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 7.62% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
FHA Mortgage - FHA 30 Year (FHA)	7.50%	-	7.62%	30 Year
No additional details. Last Updated 10/13/2026 Rate History 1 change since Sep 29, 2026 · 7.23% → 7.62% ▲ 0.39 pts · high 7.62% / low 7.23% Oct 13, 20267.62%▲ from 7.23% Sep 29, 20267.23%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Fixed-Rate Mortgage - 30 Year Fixed (Conforming-Purchase)	7.50%	0.125	7.633%	30 years
Details Conforming-Purchase; Estimated payment $2,097.64 Last Updated 10/13/2026 Rate History 2 changes since Sep 21, 2026 · 7.25% → 7.63% ▲ 0.38 pts · high 7.76% / low 7.25% Oct 13, 20267.63%▼ from 7.76% 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 Car Loan	-	-	4.69%	1-66 Months
Details As Low As; Payroll Deduction or Automatic Draft APR; New Vehicle; Up to 100% of Purchase Price not to exceed 10% over MSRP; Loan Rates subject to determination of creditworthiness Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.69% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Used Car Loan	-	-	4.69%	1-60 Months
Details As Low As; Used Car Loan; Payroll Deduction or Automatic Draft APR; Up to 100% of Purchase Price not to exceed 10% over MSRP; Loan rates subject to creditworthiness Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.69% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
New Car Loan	-	-	5.19%	1-66 Months
Details As Low As; Non-Payroll Deduction APR; New Vehicle; Up to 100% of Purchase Price not to exceed 10% over MSRP; Loan Rates subject to determination of creditworthiness Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 5.19% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Used Car Loan	-	-	5.19%	1-60 Months
Details As Low As; Used Car Loan; Non-Payroll Deduction APR; Up to 100% of Purchase Price not to exceed 10% over MSRP; Loan rates subject to creditworthiness Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 5.19% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
New Car Loan	-	-	5.20%	67-75 Months
Details As Low As; Payroll Deduction or Automatic Draft APR; New Vehicle; Up to 100% of Purchase Price not to exceed 10% over MSRP; Loan Rates subject to determination of creditworthiness Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 5.20% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Used Car Loan	-	-	5.20%	61-66 Months
Details As Low As; Used Car Loan; Payroll Deduction or Automatic Draft APR; Up to 100% of Purchase Price not to exceed 10% over MSRP; Loan rates subject to creditworthiness Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 5.20% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
New Car Loan	-	-	5.35%	76-84 Months
Details As Low As; Payroll Deduction or Automatic Draft APR; New Vehicle; Up to 100% of Purchase Price not to exceed 10% over MSRP; Loan Rates subject to determination of creditworthiness Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 5.35% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Used Car Loan	-	-	5.35%	67-75 Months
Details As Low As; Used Car Loan; Payroll Deduction or Automatic Draft APR; Up to 100% of Purchase Price not to exceed 10% over MSRP; Loan rates subject to creditworthiness Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 5.35% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
New Car Loan	-	-	5.70%	67-75 Months
Details As Low As; Non-Payroll Deduction APR; New Vehicle; Up to 100% of Purchase Price not to exceed 10% over MSRP; Loan Rates subject to determination of creditworthiness Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 5.70% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Used Car Loan	-	-	5.70%	61-66 Months
Details As Low As; Used Car Loan; Non-Payroll Deduction APR; Up to 100% of Purchase Price not to exceed 10% over MSRP; Loan rates subject to creditworthiness Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 5.70% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
New Car Loan	-	-	5.85%	76-84 Months
Details As Low As; Non-Payroll Deduction APR; New Vehicle; Up to 100% of Purchase Price not to exceed 10% over MSRP; Loan Rates subject to determination of creditworthiness Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 5.85% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Used Car Loan	-	-	5.85%	67-75 Months
Details As Low As; Used Car Loan; Non-Payroll Deduction APR; Up to 100% of Purchase Price not to exceed 10% over MSRP; Loan rates subject to creditworthiness Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 5.85% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Extended Mileage Car Loan - Payroll Deduction or Automatic Draft	-	-	6.94%	1-48 Months
Details As Low As; Extended Mileage; Up to 100% of Purchase Price not to exceed 10% over MSRP; Loan Rates subject to determination of creditworthiness; Up to NADA retail value; Maximum age of vehicle: 10 years; Maximum mileage can exceed 100,000 miles; Maximum loan length: $10,000+ up to 5 years, $5,000+ up to 4 years, under $5,000 up to 3 years Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 6.94% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Extended Mileage Car Loan - Payroll Deduction or Automatic Draft	-	-	7.14%	49-60 Months
Details As Low As; Extended Mileage; Up to 100% of Purchase Price not to exceed 10% over MSRP; Loan Rates subject to determination of creditworthiness; Up to NADA retail value; Maximum age of vehicle: 10 years; Maximum mileage can exceed 100,000 miles; Maximum loan length: $10,000+ up to 5 years, $5,000+ up to 4 years, under $5,000 up to 3 years Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 7.14% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Extended Mileage Car Loan - Non-Payroll Deduction	-	-	7.44%	1-48 Months
Details As Low As; Extended Mileage; Up to 100% of Purchase Price not to exceed 10% over MSRP; Loan Rates subject to determination of creditworthiness; Up to NADA retail value; Maximum age of vehicle: 10 years; Maximum mileage can exceed 100,000 miles; Maximum loan length: $10,000+ up to 5 years, $5,000+ up to 4 years, under $5,000 up to 3 years Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 7.44% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Extended Mileage Car Loan - Non-Payroll Deduction	-	-	7.64%	49-60 Months
Details As Low As; Extended Mileage; Up to 100% of Purchase Price not to exceed 10% over MSRP; Loan Rates subject to determination of creditworthiness; Up to NADA retail value; Maximum age of vehicle: 10 years; Maximum mileage can exceed 100,000 miles; Maximum loan length: $10,000+ up to 5 years, $5,000+ up to 4 years, under $5,000 up to 3 years Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 7.64% APR 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 As Low As; Payroll deduction or automatic draft APR; New - Up to 90% of purchase price not to exceed 10% over MSRP; Used - Up to 90% of NADA loan value Last Updated 10/13/2026 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%
Motorcycle Loan	-	8.25%	60 Months
Details As Low As; Non-payroll deduction APR; New - Up to 90% of purchase price not to exceed 10% over MSRP; Used - Up to 90% of NADA loan value Last Updated 10/13/2026 Rate History 2 changes since Sep 21, 2026 · 8.25% → 8.25% ▼ 0.00 pts · high 8.25% / low 7.75% Oct 13, 20268.25%▲ from 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%
Recreational Vehicle Loan - New Boats and Motor Homes	-	10.00%
Details Payroll deduction or automatic draft APR; Non-payroll deduction APR: 10.50% Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 10.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Recreational Vehicle Loan - New Trailer/Tractors	-	10.00%
Details Payroll deduction or automatic draft APR; Non-payroll deduction APR: 10.50% Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 10.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Recreational Vehicle Loan - Used Boat/Trailer/Tractors	-	11.00%
Details Payroll deduction or automatic draft APR; Non-payroll deduction APR: 11.50% Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 11.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%

Allegacy Federal Credit Union Student Loan Rates

Product	Rate	Points	APR
Student Loan - College	-	-	7.50%
Details As Low As; Payroll deduction or automatic draft APR; Rate subject to change annually on August 1st of each year Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 7.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Student Loan - Student	-	-	9.75%
Details As Low As; Payroll deduction or automatic draft APR; Rate subject to change annually on August 1st of each year Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 9.75% APR 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%. Last Updated 10/13/2026 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%. Last Updated 10/13/2026 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%
No additional details. Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 18.00% APR · checked 9 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 APR; Consolidation + Share Loan section Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 8.99% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Consolidation Loan	9.49%
Details As Low As; Non-payroll deduction APR; Consolidation + Share Loan section Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 8.99% → 9.49% ▲ 0.50 pts · high 9.49% / low 8.99% Oct 5, 20269.49%▲ from 8.99% Sep 14, 20268.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Line of Credit Options - Unsecured	11.50%
Details Payroll deduction or automatic draft APR Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 11.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Line of Credit Options - Unsecured	12.00%
Details Non-payroll deduction APR Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 12.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Single Payment Options - Unsecured Loan	13.50%
Details Payroll deduction or automatic draft APR; APR is subject to change during the term of the loan Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 13.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Installment Loan - Unsecured	14.25%
Details As Low As; Payroll deduction or automatic draft APR Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 14.25% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Installment Loan - Unsecured	14.75%
Details As Low As; Non-payroll deduction APR Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 14.75% APR 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%. Last Updated 10/13/2026 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
Computer Loan	-	-	6.00%
Details As Low As; Payroll deduction or automatic draft APR; Rate subject to change annually on August 1st of each year Last Updated 10/13/2026 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 As Low As; Non-payroll deduction APR; Rate subject to change annually on August 1st of each year Last Updated 10/13/2026 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%
Installment Loan - Comaker	-	-	14.00%
Details Payroll deduction or automatic draft APR Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 14.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Installment Loan - Comaker	-	-	14.50%
Details Non-payroll deduction APR Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 14.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Installment Loan - Lifestyle Loan	-	-	9.85%
Details Payroll deduction or automatic draft APR Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 9.85% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Share Loan	-	-	5.75%
Details Payroll deduction or automatic draft APR; Consolidation + Share Loan section Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 5.75% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Share Loan	-	-	6.25%
Details Non-payroll deduction APR; Consolidation + Share Loan section Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 5.75% → 6.25% ▲ 0.50 pts · high 6.25% / low 5.75% Oct 5, 20266.25%▲ from 5.75% Sep 14, 20265.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
IRAs	0.15%	-	0.15%
Min Deposit $50 Min Balance $25,000 Details Balance: Daily balance of $25,000 or more; Minimum opening deposit $50.00; Dividends are segmented according to account balance Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 0.15% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
IRAs	0.15%	-	0.15%
Min Deposit $50 Min Balance $10,000 Details Balance: Daily balance of $10,000 or more; Minimum opening deposit $50.00; Dividends are segmented according to account balance Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 0.15% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
IRAs	0.15%	-	0.15%
Min Deposit $50 Min Balance $5,000 Details Balance: Daily balance of $5,000 or more; Minimum opening deposit $50.00; Dividends are segmented according to account balance Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 0.15% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
IRAs	0.15%	-	0.15%
Min Deposit $50 Min Balance $2,500 Details Balance: Daily balance of $2,500 or more; Minimum opening deposit $50.00; Dividends are segmented according to account balance Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 0.15% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
IRAs	0.15%	-	0.15%
Min Deposit $50 Min Balance $0 Details Balance: Daily balance up to $2,500; Minimum opening deposit $50.00; Dividends are segmented according to account balance Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 0.15% APY 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.
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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

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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.

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Allegacy Federal Credit Union Rates & Review October 2026

Brian McKay

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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