Allegacy Federal Credit Union Mortgage Rates
Allegacy Federal Credit Union last offered a 30-year fixed mortgage at 6.609% APR, 0.79 points below the national average. Allegacy Federal Credit Union publishes rates for 6 loan products. Rates as of June 1, 2026.
We haven't been able to refresh Allegacy Federal Credit Union's rates since June 1, 2026. These are the last rates we saw. Check Allegacy Federal Credit Union for today's rates.
| Product | Rate | APR | Points |
|---|---|---|---|
| 30-Year Fixed | 6.50% | 6.61% | 0.00 |
| 15-Year Fixed | 6.13% | 6.29% | 0.00 |
| 5/1 ARM | 6.38% | 6.38% | 0.00 |
| 7/1 ARM | 6.38% | 6.38% | 0.00 |
| 10/1 ARM | 6.38% | 6.38% | 0.00 |
| 15/15 ARM | 7.13% | 7.13% | 0.00 |
Allegacy Federal Credit Union Eligibility
Must live, work, worship, or attend school in select counties in North Carolina, primarily the Triad region (Forsyth, Guilford, Davidson, etc.).
Openness: regional
Why we track credit union rates
This started with our own mortgage. The bank we'd used for ten years quoted 7% APR, and a credit union a few miles away quoted 5.5% on the same loan. Credit unions are member-owned and don't buy national advertising, which is a good part of why their rates run lower and also why hardly anyone hears about them. The longer version of that story, plus all 165 credit unions ranked against the national benchmark, is in our rate dashboard.
So most days a scraper reads the public rate pages of those 165 credit unions, Allegacy Federal Credit Union included, and the charts above come out of that archive. They're published rates rather than personal quotes, so treat them as a place to start rather than a rate lock. If you want to know what a rate gap is actually worth, this calculator runs it over the life of the loan. We have no affiliation with any lender listed here and earn nothing when you click through.
