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Allegacy Federal Credit Union


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/30/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/30/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Overview / Commentary
www.allegacy.org
336-774-3400
1691 Westbrook Plaza Dr
Winston Salem, NC 27103

Allegacy Federal Credit Union is headquartered in Winston Salem and is the 5th largest credit union in the state of North Carolina. It is also the 206th largest credit union in the nation. It was established in 1967 and as of March of 2025, it had grown to 401 employees and 177,971 members at 28 locations. Allegacy Federal Credit Union's money market rates are 7X the national average, and it has an A health rating.

Field of Membership Restrictions

Membership in Allegacy Federal Credit Union is open to: (1) anyone who works, volunteers, or is affiliated with one of the following associations: Kernersville Little Theatre ($10 fee), Center for Smart Financial Choices ($10 fee), WS Delta Fine Arts ($10 fee), Hispanic League ($10 fee), Pulse International ($10 fee), SECCA ($10 fee), Charlotte Art League ($40 fee), Winston-Salem Delta Fine Arts, Latin American Coalition or the Human Service Alliance. (2) Those who live, work, attend school or worship in Stokes or Mecklenburg Counties in North Carolina, or (3) retirees or employees of Forsyth County, Forsyth Hospital, and over 100 Select Employer Groups. (a complete list of groups and associations is listed within the credit union's online application). (4) Family or household members may also join.
See current membership details

Reviews (1)

THEY STOLEN MY INHERITANCE

Posted by: |

I have been trying to collect my inheritance for 4 months and they have asked me to deposit more than 30,000 dlls. The last account was in an account in Turkey with a strange. And I have emails saying that it is the last deposit that 24 hours release the balances and THEY DO NOT.

I have everything documented, with which Government agency I have to go so that they no longer extort me by asking for money and not paying. The last amount is 6,950 dlls and it started at 4,985 dlls.

Their promises to release access to my money have been false.

1


Health
A

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
NCUA #24438
Year Chartered1967
Employees401
Primary Regulator
Profit Margin
Return on Assets - YTD0.57%
Return on Equity - YTD5.12%
Annual Interest Income$31.1MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$2.44B$2.32B
LoansQ1 2025vs Q1 2024$1.88B$1.79B
DepositsQ1 2025vs Q1 2024$2.09B$1.98B
Equity CapitalQ1 2025vs Q1 2024$267.3MM$246.1MM
Loan Loss AllowanceQ1 2025vs Q1 2024$17.6MM$16.7MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$9.8MM$7.9MM
Real Estate OwnedQ1 2025vs Q1 2024$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/30/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/30/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Allegacy Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.15%$5$10kAllHealth Wellness with 12+ YMCA Visits
0.95%$5$10kAllHealth Wellness with 8-11 YMCA Visits
0.85%$5$10kAllHealth Wellness with 4-7 YMCA Visits
0.35%*$2k*-Holiday Club Account
OTHER TIERS: 0.30% → $0 - $2k
0.35%*$2k*-Vacation Club Account
OTHER TIERS: 0.30% → $0 - $2k
0.35%$0-Beginners Best Kids Savings
0.20%*$25k*-Health Savings Account (HSA)
OTHER TIERS: 0.05% → $0 - $5k | 0.15% → $5k - $25k
0.20%$5$10kAllHealth Wellness with 0-3 YMCA Visits
0.15%$0-Daily Access Savings

Allegacy Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.00%*$500k*-High Tier Money Market
OTHER TIERS: 0.05% → $0 - $100k | 2.00% → $100k - $250k | 2.50% → $250k - $500k
3.00%*$500k*-Business High Tier Money Market Account
OTHER TIERS: 0.05% → $0 - $100k | 2.00% → $100k - $250k | 2.50% → $250k - $500k
2.10%*$250k*-Business Money Market Account
OTHER TIERS: 1.50% → $0 - $10k | 1.80% → $10k - $50k | 1.90% → $50k - $100k | 2.00% → $100k - $250k
2.00%*$100k*-Retail Money Market Account
OTHER TIERS: 1.50% → $0 - $25k | 1.80% → $25k - $50k | 1.90% → $50k - $100k

Allegacy Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.00%*$0$25kSmartRate Checking
OTHER TIERS: 0.10% → $25k+
0.05%$0-Preferred Checking

Allegacy Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.75%$500$1m7 Month Early Withdrawal CD Special
3.55%*$250k*-12 Month CD
OTHER TIERS: 3.35% → $500 - $50k | 3.40% → $50k - $100k | 3.45% → $100k - $250k
3.55%$1k$250k24 Month Online-Only CD
3.20%*$250k*-6 Month CD
OTHER TIERS: 3.05% → $500 - $50k | 3.10% → $50k - $100k | 3.15% → $100k - $250k
3.00%$500-18 Month CD
3.00%$500-2 Year CD
3.00%$500-3 Year CD
3.00%$500-5 Year CD.
3.00%$500-4 Year CD
2.95%$50$50k5 Year Mortgage Saver CD
2.60%*$250k*-9 Month CD
OTHER TIERS: 2.45% → $500 - $50k | 2.50% → $50k - $100k | 2.55% → $100k - $250k
2.50%*$250k*-3 Month CD
OTHER TIERS: 2.35% → $500 - $50k | 2.40% → $50k - $100k | 2.45% → $100k - $250k

Allegacy Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.75%$500$1m7 Month Early Withdrawal IRA Special
3.65%*$250k*-12 Month IRA
OTHER TIERS: 3.45% → $500 - $50k | 3.50% → $50k - $100k | 3.55% → $100k - $250k
3.30%*$250k*-6 Month IRA
OTHER TIERS: 3.15% → $500 - $50k | 3.20% → $50k - $100k | 3.25% → $100k - $250k
3.10%$500-18 Month IRA
3.10%$500-2 Year IRA
3.10%$500-3 Year IRA
3.10%$500-5 Year IRA
3.10%$500-4 Year IRA
2.70%*$250k*-9 Month IRA
OTHER TIERS: 2.55% → $500 - $50k | 2.60% → $50k - $100k | 2.65% → $100k - $250k
2.60%*$250k*-3 Month IRA
OTHER TIERS: 2.45% → $500 - $50k | 2.50% → $50k - $100k | 2.55% → $100k - $250k
0.15%$0-IRA Savings Account
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