Savings and Checking Rates

Effective January 1, 2016

*Rates are effective as of 04/01/16. Rates, terms, products, and services may change at any time without notice. The AllHealth Wellness Account is a variable rate account that earns dividends at different rates based on the number of visits made to the YMCA of Northwest NC (“YMCA”) in the previous month. E.g. March YMCA visits will be used to calculate your April AllHealth Wellness Dividend. All balances earn 0.10% APY. Plus, balances up to $10,000 earn the applicable AllHealth Wellness APY of 0.10%, or 0.40%, or 0.90%, depending on the number of YMCA visits. Could show as two postings on your statement. All requirements must be met to earn highest dividends. YMCA visit data is provided by the YMCA. One account per household. One visit per household per day. The minimum balance required to open this account and earn dividends is $5.00. Some transfer/withdrawal limitations and restrictions may apply. Fees may reduce the earnings. Offer only available to consumers.

Regular Certificate Rates

Effective February 1, 2016 Retirement Calculator

Certificate rates subject to change without notice, penalty applied for early withdrawal of funds, fees may affect earnings. $500 minimum deposit for regular certificates. Please use the Secure Form in WebBanking to open a regular certificate or contact Member Services at 336.774.3400 / 800.782.4670.

Certificate rates available only for consumer accounts. For institutional rate inquiries or rates on our business products, please visit a Financial Center or contact Member Services at 336.774.3400 / 800.782.4670.

IRA Certificate Rates

Effective February 1, 2016 Retirement Calculator

Certificate rates subject to change without notice, penalty applied for early withdrawal of funds, fees may affect earnings. $500 minimum deposit for IRA certificates.

Loan Rates

Effective May 2, 2016 Loan Comparison Calculator

Annual Percentage Rate is subject to change during the term of the loan.

(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 creditworthiness), 90% of List Price if automobile does not appear in NADA Guide
     Maximum age of vehicle: 7 years old
     Maximum mileage cannot exceed 100,000 miles
(3) Loan Rates subject to determination of creditworthiness
(4) Up to NADA retail value (based on creditworthiness)
     Maximum age of vehicle: 10 years old
     Maximum mileage can exceed 100,000 miles
(5) New – Up to 90% of purchase price not to exceed 10% over MSRP
     Used – Up to 90% of NADA loan value

Annual Percentage Rate is subject to change during the term of the loan.

Annual Percentage Rate is subject to change during the term of the loan.

Home Equity

Effective January 1, 2016

All Allegacy real estate secured loans are subject to legal requirements in the member's state of primary residence. 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, Virginia and West Virginia.

(6) Home equity lines of credit are not available on secondary residences used as rental property. Secondary residences include beach, mountain, or lake homes used only by the property owner.
(7) 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.
(8) Prime Rate as published in The Wall Street Journal, adjusted quarterly for equity, monthly for Visa.
(9) Maximum rate for Home Equity Lines of Credit is 18.00%.

Mortgage Eliminator Loan

Effective February 16, 2016

Mortgage Eliminator Loan Annual Percentage Rate
Primary Residence up to $750,00010 as low as 2.99%
Secondary Residence up to $750,00010 as low as 3.34%
 

(10) All Allegacy real estate secured loans are subject to legal requirements in the member's state of primary residence. Mortgage Eliminator Loans for primary or secondary residence with terms of 7, 8, 9 or 10 years. Mortgage Eliminator Loans are available in California, Connecticut, Delaware, District of Columbia, Georgia, Illinois, Indiana, New Jersey, North Carolina and Pennsylvania.

Mortgage
View our products and current rates and inquire now.
For more information, please call 336.774.3400 / 800.782.4670.

 

Allegacy is federally insured by NCUA and is an Equal Housing Lender. © 2016 Allegacy Federal Credit Union
Equal Housing Lender NCUA
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