Credit union · NCUA insured
Allegacy Financial Savings Rates
Top CarrotAllegacy Financial’s best savings rate is 1.50% APY on $10,000, with its Retail Money Market. Rates checked October 22, 2026.
How Allegacy Financial’s savings 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
1.50%APY
- Requires
- None
- Minimum
- $50
- Earns on $10,000 a year
- $150
Retail Money Market
Top rate
American Pride Bank
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $50
- Earns on $10,000 a year
- $500
2nd-highest rate
Truliant Federal Credit Union
3.40%APY
- Requires
- Monthly account activity
- Minimum
- $1,000
- Earns on $10,000 a year
- $340
Allegacy Financial savings score
95
Savings score
Higher than 98% of U.S. banks and credit unions
- $1,000 balance$1,0003.45%
- $10,000 balance$10,0003.45%
- $100,000 balance$100,0003.45%
- QualifiedQualified3.45%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Feature Money Market
3.45%APY on $10,000
Limit one account per member. Each account is eligible to receive up to one package of pre-selected standard, duplicate-style Allegacy checks per year. Certain types of withdrawals or transfers may be limited as part of account policies. Fees could reduce earnings. Compounding period: monthly; compounding method: daily balance. No minimum balance is required to earn dividends.
| Part of the balance | Rate on that part |
|---|---|
| Up to $250,000 | 3.40% |
| Over $250,000 | 0.15% |
On $10,000 the tiers blend to about 3.45% APY, earning $345 a year.
Sources (3)
- allegacy.org/personal/savings/money-market
- allegacy.org/rates
- allegacy.org/disclosures/deposit-rate-schedule
All captured Oct 22, 2026
High Tier Money Market
0.05%APY
Designed for balances of $100,000 or more. Each account is eligible to receive up to one package of pre-selected standard, duplicate-style Allegacy checks per year. Certain types of withdrawals or transfers may be limited as part of account policies. Fees could reduce earnings. Compounding period: monthly; compounding method: daily balance.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $100,000 | 0.05% | $5 |
| $100,000 – $250,000 | 2.00% | — |
| $250,000 – $500,000 | 2.50% | — |
| $500,000 and up | 3.00% | — |
Sources (3)
- allegacy.org/personal/savings/money-market
- allegacy.org/rates
- allegacy.org/disclosures/deposit-rate-schedule
All captured Oct 22, 2026
Retail Money Market
1.50%APY
Each account is eligible to receive up to one package of pre-selected standard, duplicate-style Allegacy checks per year. Certain types of withdrawals or transfers may be limited as part of account policies. Fees could reduce earnings. Compounding period: monthly; compounding method: daily balance.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $2,500 | 1.50% | — |
| $2,500 – $25,000 | 1.50% | $150 |
| $25,000 – $50,000 | 1.80% | — |
| $50,000 – $100,000 | 1.90% | — |
| $100,000 and up | 2.00% | — |
Sources (3)
- allegacy.org/personal/savings/money-market
- allegacy.org/rates
- allegacy.org/disclosures/deposit-rate-schedule
All captured Oct 22, 2026
Daily Access Secured Savings
0.10%APY
Daily Access Secured Savings account.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $2,500 | 0.10% | — |
| $2,500 – $5,000 | 0.10% | — |
| $5,000 – $10,000 | 0.10% | — |
| $10,000 – $25,000 | 0.10% | $10 |
| $25,000 and up | 0.10% | — |
Sources (2)
- allegacy.org/disclosures/deposit-rate-schedule
- allegacy.org/sites/default/fil…026-04/rate-schedule.pdf
All captured Oct 15, 2026
Certificate Rollover Savings
0.05%APY
Certificate Rollover Savings account. Variable rates.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $2,500 – $10,000 | 0.05% | — |
| $10,000 – $100,000 | 0.05% | $5 |
| $100,000 and up | 0.05% | — |
Sources (2)
- allegacy.org/disclosures/deposit-rate-schedule
- allegacy.org/sites/default/fil…026-04/rate-schedule.pdf
All captured Oct 15, 2026
Special-purpose accounts
AllHealth Wellness Savings
Up to 1.05%APY
Dividends earned based on qualifying fitness visits in the previous month (YMCA of Northwest North Carolina or Leonard J. Kaplan Center for Wellness). One visit per household per day, one account per household. $0 monthly maintenance fee.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceLevel 3: 12+ monthly visits.Any balance | 1.05% | $105 | Level 3: 12+ monthly visits. |
| Any balanceLevel 2: 8-11 monthly visits.Any balance | 0.85% | $85 | Level 2: 8-11 monthly visits. |
| Any balanceLevel 1: 4-7 monthly visits.Any balance | 0.75% | $75 | Level 1: 4-7 monthly visits. |
| Any balanceLevel 0: 0-3 monthly visits.Any balance | 0.10% | $10 | Level 0: 0-3 monthly visits. |
Holiday Club Savings
0.35%APY
Goal-based savings for holidays/traditions. Full balance automatically transfers to designated account on or after the first business day of October. One account per member. No monthly fee.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $2,000 | 0.30% | — |
| $2,000 – $100,000 | 0.35% | $35 |
| $100,000 and up | 0.35% | — |
Sources (2)
All captured Oct 15, 2026
Vacation Club Savings
0.35%APY
Goal-based savings for travel. Full balance automatically transfers to designated account on or after the first business day of April. One account per member. No monthly fee.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $2,000 | 0.30% | — |
| $2,000 – $100,000 | 0.35% | $35 |
| $100,000 and up | 0.35% | — |
Sources (2)
All captured Oct 15, 2026
Beginners Best Kids Savings
0.30%APY
Designed for kids under 13 with parent/guardian joint ownership. Automatically converts to Daily Access Savings at age 13. $0 monthly maintenance fee.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $2,500 | 0.30% | — |
| $2,500 – $5,000 | 0.30% | — |
| $5,000 – $10,000 | 0.30% | — |
| $10,000 – $25,000 | 0.30% | $30 |
| $25,000 and up | 0.30% | — |
Sources (2)
All captured Oct 15, 2026
IRA Savings
0.15%APY
Tax-advantaged retirement savings account. Early withdrawals may be subject to IRS tax penalties.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $2,500 | 0.15% | — |
| $2,500 – $5,000 | 0.15% | — |
| $5,000 – $10,000 | 0.15% | — |
| $10,000 – $25,000 | 0.15% | $15 |
| $25,000 and up | 0.15% | — |
Sources (3)
- allegacy.org/personal/savings/ira
- allegacy.org/disclosures/deposit-rate-schedule
- allegacy.org/sites/default/fil…026-04/rate-schedule.pdf
All captured Oct 15, 2026
Daily Access Savings
0.10%APY
Primary savings account establishing credit union membership. No monthly maintenance fee; $3 single service fee applies only if balance falls below $100 unless age 23 or younger.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $2,500 | 0.10% | — |
| $2,500 – $5,000 | 0.10% | — |
| $5,000 – $10,000 | 0.10% | — |
| $10,000 – $25,000 | 0.10% | $10 |
| $25,000 and up | 0.10% | — |
Sources (2)
All captured Oct 15, 2026
Who can join Allegacy Financial
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.