Allegacy Credit Union

Winston Salem, North Carolina
Last verified: August 4, 2026
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Verified rate book

Current Allegacy Credit Union rates

74 published offers verified as of August 4, 2026.

How we verify rates

Mortgage rates

17 offers
Allegacy Credit Union mortgage rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
30-Year Fixed30 year fixed6.875% APR6.875%—Standard
30-Year Fixed30 year fixed7.013% APR6.875%—Standard
Mortgage Eliminator Loan15 year fixed5.850% APR5.850%—Standard
15-Year Fixed15 year fixed6.375% APR6.375%—Standard
15/15 ARM (Conforming 30-year term)arm5.750% APR5.750%—Standard
10/1 ARM Medical Professional (Conforming 30-year term)10 1 arm6.250% APR6.250%—Standard
5/1 ARM (Conforming 30-year term)5 1 arm6.375% APR6.375%—Standard
10/1 ARM (Conforming 30-year term)10 1 arm6.375% APR6.375%—Standard
10/1 ARM Medical Professional (Jumbo 30-year term)10 1 arm6.500% APR6.500%—Standard
10/1 ARM (Jumbo 30-year term)10 1 arm6.625% APR6.625%—Standard
7/1 ARM (Conforming 30-year term)7 1 arm6.625% APR6.625%—Standard
7/1 ARM (Jumbo 30-year term)7 1 arm6.875% APR6.875%—Standard
Mortgage Eliminator Loanother5.300% APR5.300%—Standard
Primary Residence up to $1,000,000**other5.300% APR5.300%—Standard
Secondary Residence up to $1,000,000**other5.400% APR5.400%—Standard
VA 30 Year (VA)other6.500% APR6.500%—Standard
FHA 30 Year (FHA)other6.500% APR6.500%—Standard

Auto & vehicle rates

8 offers
Allegacy Credit Union auto & vehicle rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Used Vehicle (Term: 1-60 Months)**auto_used_60mo4.690% APR4.690%60 mo · usedStandard
New Vehicle (Term: 1-66 Months)**auto_new_66mo4.690% APR4.690%66 mo · newStandard
Used Vehicle (Term: 61-66 Months)**auto_used_66mo5.200% APR5.200%66 mo · usedStandard
New Vehicle (Term: 67-75 Months)**auto_new_75mo5.200% APR5.200%75 mo · newStandard
New Vehicle (Term: 76-84 Months)**auto_new_84mo5.350% APR5.350%84 mo · newStandard
Used Vehicle (Term: 67-75 Months)**auto_used_75mo5.350% APR5.350%75 mo · usedStandard
60-Month Motorcycle Loanmotorcycle_any_60mo7.750% APR7.750%60 moStandard
New Boats and Motor Homesboat_new10.000% APR10.000%newStandard

Personal loan rates

2 offers
Allegacy Credit Union personal loan rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Share-Secured Loanpersonal_secured5.250% APR5.250%—Standard
Unsecured Personal Loanpersonal_unsecured14.250% APR14.250%—Standard

Student loan rates

3 offers
Allegacy Credit Union student loan rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Computer Loanstudent6.500% APR6.500%—Standard
Student Loanstudent7.500% APR7.500%—Standard
Student Loanstudent9.750% APR9.750%—Standard

Savings & CD rates

44 offers
Allegacy Credit Union savings & cd rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
High Tier Money Market Account (Up to $99,999.99)money_market0.05% APY0.05%—Standard
Any balance if requirements are not metsavings0.05% APY0.05%—Standard
Daily Access Savingssavings0.10% APY0.10%—Standard
Daily Access Savings (Up to $2,500)savings0.10% APY0.10%—Standard
Daily Access Savings ($5,000 or more)savings0.10% APY0.10%—Standard
Daily Access Savings ($2,500 or more)savings0.10% APY0.10%—Standard
Daily Access Savings ($25,000 or more)savings0.10% APY0.10%—Standard
Daily Access Savings ($10,000 or more)savings0.10% APY0.10%—Standard
Beginners Best Kids Savingssavings0.30% APY0.30%—Eligibility restricted
4-7 YMCA visitssavings0.75% APY0.75%—Standard
8-11 YMCA visitssavings0.85% APY0.85%—Standard
AllHealth Wellness Savingssavings1.05% APY1.05%—Standard
Retail Money Market Account (Up to $2,499.99)money_market1.49% APY1.49%—Standard
Retail Money Market Account ($2,500.00 to $24,999.99)money_market1.49% APY1.49%—Standard
Daily balance to $9,999.99savings1.49% APY1.49%—Standard
Daily balance $10,000.00 to $49,999.99savings1.79% APY1.79%—Standard
Retail Money Market Account ($25,000.00 to $49,999.99)money_market1.79% APY1.79%—Standard
Daily balance $50,000.00 to $99,999.99savings1.88% APY1.88%—Standard
Retail Money Market Account ($50,000.00 to $99,999.99)money_market1.88% APY1.88%—Standard
Retail Money Market Account ($100,000.00 or more)money_market1.98% APY1.98%—Standard
Daily balance $100,000.00 to $249,999.99savings1.98% APY1.98%—Standard
High Tier Money Market Account ($100,000.00 to $249,999.99)money_market1.98% APY1.98%—Standard
Retail Money Market Accountmoney_market2.00% APY1.98%—Standard
Daily balance $250,000.00savings2.08% APY2.08%—Standard
3-Month Certificatecd_3mo2.27% APY2.27%3 moStandard
6-Month Certificatecd_6mo2.32% APY2.32%6 moStandard
9-Month Certificatecd_9mo2.42% APY2.42%9 moStandard
Daily balance $250,000.00 to $499,999.99savings2.47% APY2.47%—Standard
High Tier Money Market Account ($250,000.00 to $499,999.99)money_market2.47% APY2.47%—Standard
Certificates (Mortgage Saver (5 yr))cd_60mo2.91% APY2.91%60 moStandard
High Tier Money Market Account ($500,000.00 or more)money_market2.96% APY2.96%—Standard
Up to $25,000savings2.96% APY2.96%—Standard
Daily balance $500,000.00savings2.96% APY2.96%—Standard
18-Month Certificatecd_18mo3.01% APY3.01%18 moStandard
12-Month Certificatecd_12mo3.10% APY3.10%12 moStandard
36-Month Certificatecd_36mo3.10% APY3.10%36 moStandard
48-Month Certificatecd_48mo3.15% APY3.15%48 moStandard
60-Month Certificatecd_60mo3.20% APY3.20%60 moStandard
Certificates (7 Month Early Withdrawal)cd_7mo3.39% APY3.39%7 moStandard
Feature Money Market Accountmoney_market3.45% APY3.40%—Standard
24-Month Certificatecd_24mo3.49% APY3.49%24 moStandard
14-Month Certificatecd_14mo3.78% APY3.78%14 moStandard
11-Month Certificatecd_11mo3.92% APY3.92%11 moStandard
11-Month Certificatecd_11mo4.00% APY4.00%11 moStandard

As of August 4, 2026, Allegacy Credit Union offers a 30-year fixed mortgage at 6.875% APR (0.25 points). Vehicle loans available from 4.69% APR for 60 months. Personal loan rates from 5.25% APR. Savings and certificate yields up to 4.00% APY.

Source: RateAPI.dev, verified from Allegacy Credit Union's official website

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About Allegacy Credit Union

Institution facts reported to the National Credit Union Administration for Invalid Date.

Members
185.1K
Assets
$2.6B
Founded
1967
Locations reported
29
NCUA charter
24438
Charter type
Federal credit union

Services and member support

  • Online membership application
  • Online loan application
  • Open an account online
  • Electronic statements
  • Mobile check deposit
  • Mobile payments
  • Financial counseling
  • Financial education
  • First-time homebuyer program
  • Bilingual services
  • Student scholarships

Source: NCUA quarterly call report. Services are institution-reported; confirm availability with the credit union.

Other credit unions with branches nearby

Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby.

Emergency RespondersEmergency Responders Credit Union · Winston Salem · NC · 27103-4625Branch in the same ZIPLatino CommunityWinston-Salem branch · Winston Salem · NC · 27103-3037Branch in the same ZIPMembersMembers Credit Union - Main · Winston Salem · NC · 27103-5779Branch in the same ZIPPiedmont Advantage Credit UnionAdvantage Way · Winston Salem · NC · 27103Branch in the same ZIPState Employees'CLEMMONS · WINSTON SALEM · NC · 27103Branch in the same ZIPSummitSummit Credit Union · Winston Salem · NC · 27103-3217Branch in the same ZIP

Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance.

Who Can Join Allegacy Credit Union

Membership eligibility from Allegacy Credit Union's own published criteria. How we verify this.

Membership via the American Consumer Council

  • LocationNC
  • AssociationAmerican Consumer Council

Verified from Allegacy Credit Union's membership page. Final membership determination is always made by the credit union.

Work at Allegacy Credit Union?

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Frequently Asked Questions

What rates does Allegacy Credit Union offer?

Allegacy Credit Union currently offers mortgage, vehicle loan, personal loan, and student loan rates. The rates shown on this page were last verified August 4, 2026 directly from the credit union's official website.

How often are Allegacy Credit Union rates updated?

RateAPI verifies Allegacy Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified August 4, 2026.

Where does RateAPI get Allegacy Credit Union's rate data?

Rate data is collected directly from Allegacy Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.

What is Allegacy Credit Union's mortgage rate?

As of August 4, 2026, Allegacy Credit Union offers a 30-year fixed mortgage at 6.875% APR.

What are Allegacy Credit Union's auto, boat & motorcycle loan rates?

As of August 4, 2026, Allegacy Credit Union offers vehicle loans from 4.69% APR.

What is Allegacy Credit Union's personal loan rate?

As of August 4, 2026, Allegacy Credit Union offers personal loans from 5.25% APR.

What is Allegacy Credit Union's best CD rate?

As of August 4, 2026, Allegacy Credit Union offers savings and certificate (CD) yields up to 4.00% APY.

Related Rate Data

Compare Allegacy Credit Union's rates against national credit-union benchmarks.

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Source Information

Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.

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Methodology

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  -H "Authorization: Bearer YOUR_API_KEY"
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