Credit union · NCUA insured
Allegacy Financial CD Rates
Top CarrotAllegacy Financial’s best CD rate is 5.00% APY on a 5-month share certificate (CD). Terms run from 5 months to 5 years. Rates checked October 22, 2026.
How Allegacy Financial’s CD rates compare
Compared with banks and credit unions near Winston-Salem, NC, where Allegacy Financial has the most branches. $10,000, best rate first.
This credit union’s best
Allegacy Financial
5.00%APY
- Term
- 5 months
- Minimum
- $500
- Earns on $10,000
- $205
Certificates
2nd-highest rate
Truliant Federal Credit Union
5.00%APY
- Term
- 12 months
- Minimum
- —
- Earns on $10,000
- $500
3rd-highest rate
Piedmont Advantage Credit Union
5.00%APY
- Term
- 12 months
- Minimum
- $5,000
- Earns on $10,000
- $500
Allegacy Financial CD score
93
CD score
Higher than 94% of U.S. banks and credit unions
- 3–8 months3–8 mo5.00%
- 9–15 months9–15 mo5.00%
- 16–30 months16–30 mo3.25%
- 31–60 months31–60 mo2.95%
- QualifiedQualified5.00%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Allegacy Financial ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Certificates
Up to 5.00%APY · 4 terms
Consumer accounts only. $500 minimum opening deposit for regular certificates. Balance limits are aggregate per member.
| Term | APY · Up to $50,000 | APY · $500 – $500,000 | APY · $500 – $1,000,000 | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 5 months5-Month Certificate Special. Maximum balance limit $500,000.00 total across all 5-month accounts per member | — | 5.00% | — | 5.00% | $205 |
| 7 months7-Month Early Withdrawal. One early withdrawal during 7-month term with no penalty. Maximum balance limit $1,000,000.00 across all 7-month accounts per member | — | — | 3.45% | 3.45% | $200 |
| 15 months15-Month Certificate. Maximum balance limit $500,000.00 total across all 15-month accounts per member | — | 5.00% | — | 5.00% | $629 |
| 60 monthsMortgage Saver (5 yr). Minimum $50 opening deposit | 2.95% | — | — | 2.95% | $1,565 |
Online 24-Month Certificate
3.25%APY · 1 term
Available exclusively online. $1,000 minimum deposit. Consumer accounts only.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 24 monthsAvailable exclusively online | 3.25% | $661 |
Mortgage Savers Certificate
2.95%APY · 1 term
60-month certificate designed to support long-term savings goals, including preparing for a future home purchase or mortgage-related milestone. $50 minimum opening deposit.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 60 monthsMortgage Saver (5 yr). $50 minimum opening deposit | 2.95% | $1,565 |
Special-purpose accounts
IRA Certificates
Up to 4.10%APY · 3 terms
Available as Traditional or Roth IRAs. Penalty may be imposed for early withdrawal, and early withdrawals may be subject to IRS tax penalties. $500 minimum deposit.
| Term | APY · Up to $500 | APY · Any balance | APY · $500 – $1,000,000 | APY · $500 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|
| 7 monthsIRA 7 Month EW Special. Members may withdraw principal early one time without penalty; additional early withdrawals assessed standard penalty. Minimum balance of $500 required to remain open. Max balance limit of $1,000,000 across all 7-month accounts per member | — | — | 3.45% | — | 3.45% | $200 |
| 11 months11 Month IRA Certificate | — | — | 4.10% | — | 4.10% | $375 |
| 11 monthsIRA 11 Month Special Tier 1 | 0.00% | — | — | — | —0.00% to $500 | — |
| 11 monthsIRA 11 Month Special Tier 2. Limited to $1,000,000.00 in total balances across all 11-month accounts per member | — | — | — | 4.10% | 4.10% | $375 |
| 14 monthsIRA 14 Month Special. Minimum opening balance $500.00 per account; maximum opening balance/balance limit $500,000.00 total across all 14-month accounts per member | — | 3.95% | — | — | 3.95% | $462 |
Who can join Allegacy Financial
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