--- title: "Allegacy Credit Union Rates (Nov 2026): CDs to 3.45%" description: "Allegacy Credit Union rates today: savings & CDs up to 3.45% APY. Every rate verified daily from the official website — no pay-to-rank. See who can join Allegacy Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/north-carolina/allegacy" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Allegacy Credit Union Rates (Nov 2026): CDs to 3.45% ### Mortgage rates 14 offers | Product | Published | Rate | Term / condition | Status | | **30-Year Fixed** 30 year fixed | — APR | 7.375% | — | Standard | | **15-Year Fixed** 15 year fixed | — APR | 7.000% | — | Standard | | **15/15 ARM (Conforming 30-year term)** arm | — APR | 6.125% | — | Standard | | **10/1 ARM Medical Professional (Conforming 30-year term)** 10 1 arm | — APR | 6.625% | — | Standard | | **10/1 ARM (Conforming 30-year term)** 10 1 arm | — APR | 6.750% | — | Standard | | **5/1 ARM (Conforming 30-year term)** 5 1 arm | — APR | 6.875% | — | Standard | | **10/1 ARM Medical Professional (Jumbo 30-year term)** 10 1 arm | — APR | 6.875% | — | Standard | | **10/1 ARM (Jumbo 30-year term)** 10 1 arm | — APR | 7.000% | — | Standard | | **7/1 ARM (Conforming 30-year term)** 7 1 arm | — APR | 7.125% | — | Standard | | **7/1 ARM (Jumbo 30-year term)** 7 1 arm | — APR | 7.375% | — | Standard | | **Primary Residence up to $1,000,000**** other | — APR | 5.300% | — | Standard | | **Secondary Residence up to $1,000,000**** other | — APR | 5.400% | — | Standard | | **FHA 30 Year (FHA)** other | — APR | 6.875% | — | Standard | | **VA 30 Year (VA)** other | — APR | 7.000% | — | Standard | Allegacy Credit Union mortgage rates as of November 13, 2026 ### Auto & vehicle rates 8 offers | Product | Published | Rate | Term / condition | Status | | **New Vehicle (Term: 1-66 Months)**** auto_new_66mo | — APR | 4.690% | 66 mo · new | Standard | | **Used Vehicle (Term: 1-60 Months)**** auto_used_60mo | — APR | 4.690% | 60 mo · used | Standard | | **Used Vehicle (Term: 61-66 Months)**** auto_used_66mo | — APR | 5.200% | 66 mo · used | Standard | | **New Vehicle (Term: 67-75 Months)**** auto_new_75mo | — APR | 5.200% | 75 mo · new | Standard | | **New Vehicle (Term: 76-84 Months)**** auto_new_84mo | — APR | 5.350% | 84 mo · new | Standard | | **Used Vehicle (Term: 67-75 Months)**** auto_used_75mo | — APR | 5.350% | 75 mo · used | Standard | | **60-Month Motorcycle Loan** motorcycle_any_60mo | — APR | 7.750% | 60 mo | Standard | | **New Boats and Motor Homes** boat_new | — APR | 10.000% | new | Standard | Allegacy Credit Union auto & vehicle rates as of November 13, 2026 ### Personal loan rates 2 offers | Product | Published | Rate | Term / condition | Status | | **Share-Secured Loan** personal_secured | — APR | 5.250% | — | Standard | | **Unsecured Personal Loan** personal_unsecured | — APR | 14.250% | — | Standard | Allegacy Credit Union personal loan rates as of November 13, 2026 ### Student loan rates 3 offers | Product | Published | Rate | Term / condition | Status | | **Computer Loan** student | — APR | 6.500% | — | Standard | | **Student Loan** student | — APR | 7.500% | — | Standard | | **Student Loan** student | — APR | 9.750% | — | Standard | Allegacy Credit Union student loan rates as of November 13, 2026 ### Savings & CD rates 41 offers | Product | Published | Rate | Term / condition | Status | | **Any balance if requirements are not met** savings | — APY | 0.05% | — | Standard | | **High Tier Money Market Account (Up to $99,999.99)** money_market | — APY | 0.05% | — | Standard | | **Daily Access Savings ($25,000 or more)** savings | — APY | 0.10% | — | Standard | | **Daily Access Savings ($2,500 or more)** savings | — APY | 0.10% | — | Standard | | **SmartRate Checking** checking | 0.10% APY | 0.10% | — | Standard | | **Daily Access Savings** savings | 0.10% APY | 0.10% | — | Standard | | **Daily Access Savings (Up to $2,500)** savings | — APY | 0.10% | — | Standard | | **Daily Access Savings ($10,000 or more)** savings | — APY | 0.10% | — | Standard | | **Daily Access Savings ($5,000 or more)** savings | — APY | 0.10% | — | Standard | | **Beginners Best Kids Savings** savings | 0.30% APY | 0.30% | — | Eligibility restricted | | **4-7 YMCA visits** savings | — APY | 0.75% | — | Standard | | **8-11 YMCA visits** savings | — APY | 0.85% | — | Standard | | **AllHealth Wellness Savings** savings | 1.05% APY | 1.05% | — | Standard | | **Retail Money Market Account (Up to $2,499.99)** money_market | — APY | 1.49% | — | Standard | | **Daily balance to $9,999.99** savings | — APY | 1.49% | — | Standard | | **Retail Money Market Account ($2,500.00 to $24,999.99)** money_market | — APY | 1.49% | — | Standard | | **Retail Money Market Account ($25,000.00 to $49,999.99)** money_market | — APY | 1.79% | — | Standard | | **Daily balance $10,000.00 to $49,999.99** savings | — APY | 1.79% | — | Standard | | **Daily balance $50,000.00 to $99,999.99** savings | — APY | 1.88% | — | Standard | | **Retail Money Market Account ($50,000.00 to $99,999.99)** money_market | — APY | 1.88% | — | Standard | | **High Tier Money Market Account ($100,000.00 to $249,999.99)** money_market | — APY | 1.98% | — | Standard | | **Daily balance $100,000.00 to $249,999.99** savings | — APY | 1.98% | — | Standard | | **Retail Money Market Account ($100,000.00 or more)** money_market | — APY | 1.98% | — | Standard | | **Retail Money Market Account** money_market | 2.00% APY | 1.98% | — | Standard | | **Daily balance $250,000.00** savings | — APY | 2.08% | — | Standard | | **3-Month Certificate** cd_3mo | — APY | 2.27% | 3 mo | Standard | | **6-Month Certificate** cd_6mo | — APY | 2.32% | 6 mo | Standard | | **9-Month Certificate** cd_9mo | — APY | 2.42% | 9 mo | Standard | | **Daily balance $250,000.00 to $499,999.99** savings | — APY | 2.47% | — | Standard | | **High Tier Money Market Account ($250,000.00 to $499,999.99)** money_market | — APY | 2.47% | — | Standard | | **Certificates (Mortgage Saver (5 yr))** cd_60mo | — APY | 2.91% | 60 mo | Standard | | **High Tier Money Market Account ($500,000.00 or more)** money_market | — APY | 2.96% | — | Standard | | **Daily balance $500,000.00** savings | — APY | 2.96% | — | Standard | | **Up to $25,000** savings | — APY | 2.96% | — | Standard | | **18-Month Certificate** cd_18mo | — APY | 3.01% | 18 mo | Standard | | **12-Month Certificate** cd_12mo | — APY | 3.10% | 12 mo | Standard | | **36-Month Certificate** cd_36mo | — APY | 3.10% | 36 mo | Standard | | **48-Month Certificate** cd_48mo | — APY | 3.15% | 48 mo | Standard | | **60-Month Certificate** cd_60mo | — APY | 3.20% | 60 mo | Standard | | **Feature Money Market Account** money_market | 3.45% APY | 3.40% | — | Standard | | **24-Month Certificate** cd_24mo | — APY | 3.49% | 24 mo | Standard | Allegacy Credit Union savings & cd rates as of November 13, 2026 Savings and certificate yields up to 3.45% APY. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/north-carolina/allegacy) , verified from [Allegacy Credit Union's official website](https://www.allegacy.org/) Loading branch locator… ## 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](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . 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. [**Piedmont Advantage Credit Union** Advantage Way · Winston Salem · NC · 27103 Branch in the same ZIP](https://rateapi.dev/credit-unions/north-carolina/piedmont-advantage-credit-union) [**Members** Members Credit Union - Main · Winston Salem · NC · 27103-5779 About 0.8 miles away](https://rateapi.dev/credit-unions/north-carolina/members) [**Latino Community** Winston-Salem branch · Winston Salem · NC · 27103-3037 About 1.4 miles away](https://rateapi.dev/credit-unions/north-carolina/latino-community) [**Truliant** Corporate Office & Branch Office · Winston Salem · NC · 27103 About 1.5 miles away](https://rateapi.dev/credit-unions/north-carolina/truliant) [**Summit** Summit Credit Union · Winston Salem · NC · 27103-3217 About 2.0 miles away](https://rateapi.dev/credit-unions/north-carolina/summit) [**State Employees'** WINSTON-SALEM - SILAS CREEK PKWY · WINSTON SALEM · NC · 27103 About 2.7 miles away](https://rateapi.dev/credit-unions/north-carolina/state-employees) 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](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Allegacy Credit Union's website. Check the membership page below to confirm whether you qualify. - Association American Consumer Council (ACC), American Consumer Council Verified from [Allegacy Credit Union's membership page](https://allegacy.org/about/membership) . Final membership determination is always made by the credit union. ## Membership rules for Allegacy Credit Union Associations 2 · Family 2 4 published paths to membership, last verified August 27, 2026, quoted from Allegacy Credit Union’s own published criteria. Source-page proposal coverage: 4 of 5 extracted claims verified; 2 withheld. Only verified rules are shown here. This measures claims found on the reviewed source page, not every possible real-world membership path. ### Associations 2 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Member of American Consumer Council (ACC) “You may be eligible for membership through the American Consumer Council (ACC) if you live in North Carolina.” > [source ↗](https://allegacy.org/about/membership) - Member of American Consumer Council (ACC) - Member of American Consumer Council “You may be eligible for membership through the American Consumer Council (ACC) if you live in North Carolina.” > [source ↗](https://allegacy.org/about/membership) - Member of American Consumer Council ### Family 2 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Family of a member spouse, children, stepchildren, siblings, parents, step-parents, grandparents, grandchildren, household member “If you bank with Allegacy, so can your family — your spouse, children or stepchildren, siblings, parents and step-parents, grandparents and grandchildren — as well as members of your household, even if they’re not related to you.” > [source ↗](https://allegacy.org/about/membership) - Family member (spouse, children, stepchildren, siblings, parents, step-parents, grandparents, grandchildren, household member) of a member - Family of a member spouse, child, stepchildren, sibling, parent, step-parents, grandparent, grandchild, household member “If you bank with Allegacy, so can your family — your spouse, children or stepchildren, siblings, parents and step-parents, grandparents and grandchildren — as well as members of your household, even if they’re not related to you.” > [source ↗](https://allegacy.org/about/membership) - Family member (spouse, child, stepchildren, sibling, parent, step-parents, grandparent, grandchild, household member) of a member Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Allegacy Credit Union? Yes No ## Work at Allegacy Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Allegacy Credit Union ranks against North Carolina peers. A claim on this profile is already with us for review. - See which AI assistants fetched Allegacy Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in North Carolina - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=allegacy&state=north-carolina&code=NC&name=Allegacy%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## 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 November 13, 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 November 13, 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 best CD rate? As of November 13, 2026, Allegacy Credit Union offers savings and certificate (CD) yields up to 3.45% APY. ### Who can join Allegacy Credit Union? Allegacy Credit Union publishes its membership criteria on its own website. RateAPI tracks 4 published membership paths covering 2 associations for Allegacy Credit Union, each quoted from Allegacy Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Allegacy Credit Union's rates against national credit-union benchmarks. [More North Carolina credit unions](https://rateapi.dev/credit-unions/north-carolina) [North Carolina mortgage rate leaders](https://rateapi.dev/mortgage-rates/north-carolina) [North Carolina auto loan rate leaders](https://rateapi.dev/auto-loan-rates/north-carolina) [North Carolina personal loan leaders](https://rateapi.dev/personal-loan-rates/north-carolina) [Mortgage rate benchmark](https://rateapi.dev/mortgage-rate-benchmark) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.allegacy.org/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Allegacy Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when North Carolina credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Allegacy Credit Union curl "https://api.rateapi.dev/credit-unions/north-carolina /allegacy " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Allegacy Credit Union locations Search, filter, and browse all 29 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/north-carolina/allegacy Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp