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Savings and Checking Rates

Effective November 25, 2013

Regular Certificate Rates

Effective November 25, 2013 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 November 25, 2013 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 February 12, 2013 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 December 15, 2011




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. 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.

(6) 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.
(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 November 4, 2013

Mortgage Eliminator Loan Annual Percentage Rate
Primary Residence up to $750,00010 as low as 3.59%
Vacation Residence up to $750,00010 as low as 3.84%

(10) All Allegacy loans are subject to legal requirements in the member's state of primary residence. Mortgage Eliminator Loans for primary or vacation 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 or apply online.
For more information, please call 336.774.3400 / 800.782.4670.

© 2014 Allegacy Federal Credit Union
Allegacy is federally insured by the NCUA
Equal Housing Lender NCUA
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