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Savings and Checking
Certificates
Loans
Home Equity
Mortgage
Savings and Checking Rates - Effective March 23, 2011
| Savings and Checking Accounts |
Dividend Rate |
Annual Percentage Yield |
| Daily Access |
.15% |
.15% |
| Holiday Club |
| Daily balance of $100,000 or more |
.10% |
.10% |
| Daily balance of $2,000 or more |
.10% |
.10% |
| Daily balance up to $2,000 |
.05% |
.05% |
| Vacation Club |
| Daily balance of $100,000 or more |
.10% |
.10% |
| Daily balance of $2,000 or more |
.10% |
.10% |
| Daily balance up to $2,000 |
.05% |
.05% |
| Relationship Money Market Account |
| Daily balance of $100,000 or more |
.50% |
.50% |
| Daily balance of $50,000 or more |
.35% |
.35% |
| Daily balance of $25,000 or more |
.20% |
.20% |
| Daily balance of $2,500 or more |
.10% |
.10% |
| Daily balance up to $2,500 |
.05% |
.05% |
| IRA |
.15% |
.15% |
| Eagle Plus, Golden Eagle Checking |
| Daily balance of $10,000 or more |
.10% |
.10% |
| Daily balance of $2,500 or more |
.05% |
.05% |
| Daily balance up to $2,500 |
.05% |
.05% |
| SmartRate Checking |
| Daily balance up to $25,000 |
1.99% |
2.00% |
| Daily balance of $25,000 or more |
.25% |
.25% |
| If requirements are not met |
.05% |
.05% |
Regular and IRA Certificate Rates*
- Effective March 23, 2011  |
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Use our Retirement Calculator to help you plan for retirement! |
| Certificates |
Dividend Rate |
Annual Percentage Yield |
| 3 Month |
| $0.00 - $9,999.99 |
.25% |
.25% |
| $10,000.00 - $49,999.99 |
.25% |
.25% |
| $50,000.00 - $99,999.99 |
.25% |
.25% |
| 6 Month |
| $0.00 - $9,999.99 |
.35% |
.35% |
| $10,000.00 - $49,999.99 |
.35% |
.35% |
| $50,000.00 - $99,999.99 |
.35% |
.35% |
| $100,000+ |
.40% |
.40% |
| 9 Month |
| $0.00 - $9,999.99 |
.55% |
.55% |
| $10,000.00 - $49,999.99 |
.55% |
.55% |
| $50,000.00 - $99,999.99 |
.55% |
.55% |
| $100,000+ |
.60% |
.60% |
| 12 Month |
| $0.00 - $9,999.99 |
.60% |
.60% |
| $10,000.00 - $49,999.99 |
.60% |
.60% |
| $50,000.00 - $99,999.99 |
.60% |
.60% |
| $100,000+ |
.65% |
.65% |
| 18 Month |
| $0.00 - $9,999.99 |
.90% |
.90% |
| $10,000.00 - $49,999.99 |
.90% |
.90% |
| $50,000.00 - $99,999.99 |
.90% |
.90% |
| $100,000+ |
.95% |
.95% |
| 2 Year |
| $0.00 - $9,999.99 |
1.15% |
1.15% |
| $10,000.00 - $49,999.99 |
1.15% |
1.15% |
| $50,000.00 - $99,999.99 |
1.15% |
1.15% |
| $100,000+ |
1.24% |
1.25% |
| 3 Year |
| $0.00 - $9,999.99 |
1.24% |
1.25% |
| $10,000.00 - $49,999.99 |
1.24% |
1.25% |
| $50,000.00 - $99,999.99 |
1.24% |
1.25% |
| $100,000+ |
1.29% |
1.30% |
| 5 Year |
| $0.00 - $9,999.99 |
1.34% |
1.35% |
| $10,000.00 - $49,999.99 |
1.34% |
1.35% |
| $50,000.00 - $99,999.99 |
1.34% |
1.35% |
| $100,000+ |
1.39% |
1.40% |
*Certificate rates subject to change without notice, penalty applied for early withdrawal of funds, fees may affect earnings. $500 minimum deposit for all certificates. Please use the Secure Form in WebBanking to open a certificate or contact Member Services at 336.774.3400 / 800.782.4670.
Loan Rates**
- Effective February 1, 2011
| Installment Loans |
Payroll Deduction or Automatic Draft APR |
Non-Payroll Deduction APR |
| New Vehicle (Term: 72 Months)1,3 |
 2.99% |
3.49% |
| Used Vehicle (Term: 72 Months)2,3 |
2.99% |
3.49% |
| New Custom Van3 |
8.15% |
8.65% |
| Used Custom Van3 |
9.90% |
10.40% |
| New Trailer/Tractors |
10.00% |
10.50% |
| New Boats and Motor Homes |
10.00% |
10.50% |
| Used Boat/Trailer/Tractors |
11.00% |
11.50% |
| Stock Loan |
6.50% |
7.00% |
| Share Loan |
5.75% |
6.25% |
| Personal Loan - Misc. Collateral |
13.50% |
14.00% |
| Personal Loan - Comaker |
14.00% |
14.50% |
| Personal Loan - Unsecured3 |
14.25% |
14.75% |
| Computer Loan3 |
6.25% |
6.75% |
| Student Loan |
6.75% |
6.75% |
|
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(1) Up to 100% of Purchase
Price not to exceed 10% over the Manufacturer's Suggested Retail
Price (MSRP)
(2) NADA retail value (based on credit worthiness), 90% of List Price if automobile does not appear in NADA Guide
(3) Loan Rates subject to determination of credit worthiness.
| Line of Credit Options |
Payroll Deduction or Automatic Draft APR |
Non-Payroll Deduction APR |
| Unsecured |
11.50% |
12.00% |
| Stock Secured |
6.50% |
7.00% |
| Share Secured |
5.25% |
5.75% |
| Overdraft Protection |
11.00% |
11.00% |
| Single Payment |
Payroll Deduction or Automatic Draft APR |
Non-Payroll Deduction APR |
| Stock Loan |
5.50% |
5.50% |
Share Loan |
5.75% |
5.75% |
| Personal Loan - Misc. Collateral |
12.00% |
12.00% |
| Unsecured Loan |
13.50% |
13.50% |
**Annual Percentage Rate is subject to change during the term
of the loan.
Home Equity***
| Equity Line of Credit*** |
Annual Percentage Rate |
| Primary Residence up to $350,000† |
Prime5,6 - .25% |
| Secondary Residence**** up to $100,000† |
Prime5,6 + .25% |
| Closed-End Equity |
Payroll Deduction
or Bank Draft
APR |
Non-Payroll
Deduction
APR |
| Primary Residence |
7.24% |
7.74% |
| Second Home |
7.74% |
8.24% |
***All Allegacy mortgage loans are subject to legal requirements in the member's state of primary residence. First mortgages are available in California, Connecticut, Delaware, District of Columbia, Florida, Georgia, Illinois, Indiana, Maryland, New Jersey, New York, North Carolina, Pennsylvania, South Carolina, Texas, Virginia and West Virginia (same as equity plus California). Equity Lines of Credit are available in the following states: California, Connecticut, Delaware, District of Columbia, Florida, Georgia, Illinois, Indiana, Maryland, New Jersey, New York, North Carolina, Pennsylvania, South Carolina, Texas (Closed-End Equity Only), Virginia and West Virginia.
****Home equity loans not available on second homes used as rental property; "second homes" are identified as beach, mountain, or lake homes used only by the Allegacy member.
†Rate can never be below the floor rate (Floor Rate is 4% as of 2/28/2009). Annual Percentage Rate is subject to change during the term of the loan.
(5) Prime Rate as published in The Wall Street Journal,
adjusted quarterly for equity, monthly for Visa.
(6) Maximum rate for Home Equity
Lines of Credit is 18.00%.
Mortgage
Mortgage Rates subject to change daily. View our products and current rates or apply online. For more information, please call 336.774.3400 / 800.782.4670. |
Use our Mortgage Calculator to help you
estimate your mortgage payments.
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This Credit Union is federally-insured by the National
Credit Union Administration.
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