Certificates

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Whether you’re saving for something soon or planning further ahead, our certificates help your savings grow over time

Grow your savings with confidence — and at a guaranteed rate

Certificates offer a fixed dividend rate for a set term, giving you a steady, predictable way to build your savings. It’s a simple option when you’re ready to set money aside and let it grow with clarity and purpose.

Start with confidence

Open a Certificate with as little as $500 and no monthly service fee. It’s an easy way to set money aside with intention — and watch it grow steadily over time.

Choose a timeline

With terms ranging from three months to five years, you can align your Certificate with what you’re planning for — whether it’s something just ahead or further down the road.

Set it and stay focused

Certificates can renew automatically at maturity, helping you stay on track without having to start over each term.

Here when you need us

We’re here to help you build your savings over time, with guidance and support as you work toward your goals.

Find the term that fits what’s next

5-Month Certificate Special

Earn a fixed rate in just five months. It's a good fit for money you'll need soon but don't want sitting idle, with a $500 minimum to open.

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15-Month Certificate

Lock in a fixed rate for 15 months and know exactly what your savings will earn. It's built for money you can set aside a little longer, with a $500 minimum to open.

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7-Month Promotional Certificate

A shorter-term certificate offering a competitive fixed rate for members who want steady earnings. You’re allowed one early withdrawal during the 7-month term with no penalty—giving you added confidence if plans change.

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Standard terms from 3 to 60 months

Select a certificate term that aligns with your timeline, from 3 months to 60 months. Fixed rates provide dependable earnings for savings you don’t need right away.

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Mortgage Savers 60-Month Certificate

A 60-month certificate designed to support long-term savings goals, including preparing for a future home purchase or mortgage-related milestone.

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How to get started with opening a certificate

Open a certificate in just a few straightforward steps. Choose the term that fits your goal, fund your account, and let your savings grow at a fixed rate with clarity and confidence. We’re here to guide you if you’d like support along the way.

01
Open your certificate online

Complete your application in just a few minutes. Many members can open their certificate independently online, and we’re here to guide you if you need support along the way.

02
Choose the term that fits your plans

Select the certificate term that aligns with your timeline — from 3 months to 60 months, including promotional and specialty options.

03
Fund your certificate and let it grow

Fund your certificate and your money grows at a fixed rate for the full term.

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Let’s find the right term for you

We’ll help you think through timing, goals, and options so you can move forward with clarity and confidence.

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Certificate Specials

TermBalanceDividendAPY*
5-Month Certificate$500.00 - $500,000.00**4.879%5.00%
15-Month Certificate$500.00 - $500,000.00**4.879%5.00%
7-Month Early Withdrawal$500.00 - $1,000,000.003.392%3.45%

*APY = Annual Percentage Yield. Rates are variable and subject to change. Rates are effective as of 10.05.26. Certificate rates are subject to change without notice. A penalty may be applied for early withdrawal of funds. Fees may reduce earnings. A $500 minimum opening deposit is required for the 7-Month Early Withdrawal, 5 Month Special, and 15 Month Special Certificates. Certificate rates are 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 or 800.782.4670. Some transfer and withdrawal limitations and restrictions may apply. 

** Balance limit: Each Allegacy member may open multiple 5 Month Special, IRA 5 Month Special, 15 Month Special, and IRA 15 Month Special accounts, but each Allegacy member is limited to $500,000.00 in total balances across all 5-month accounts and $500,000.00 in total balances across all 15-month accounts. Dividends accrued/paid into 5-month and 15-month accounts do not count toward the balance limit. If the balance limit is exceeded, Allegacy may transfer excess funds to another of your accounts (Checking, Savings, or Money Market). A standard Early Withdrawal Penalty may apply to excess funds transferred out of 5-month or 15-month accounts. 

Certificates

TermBalanceDividendAPY*
3 Month$500.00 - $250,000.002.27% - 2.47%2.30% - 2.50%
6 Month$500.00 - $250,000.002.32% - 2.52%2.35% - 2.55%
9 Month$500.00 - $250,000.002.42% - 2.57%2.45% - 2.60%
12 Month$500.00 - $250,000.003.10% - 3.30%3.15% - 3.35%
18 Month$500.00 - $250,000.003.01% - 3.20%3.05% - 3.25%
2 Year$500.00 - $250,000.003.49% - 3.68%3.55% - 3.75%
3 Year$500.00 - $250,000.003.10% - 3.30%3.15% - 3.35%
4 Year$500.00 - $250,000.003.15% - 3.34%3.20% - 3.40%
5 Year$500.00 - $250,000.003.20% - 3.39%3.25% - 3.45%
Mortgage Saver (5 yr)$50.00 - $50,000.002.91%2.95%

*APY = Annual Percentage Yield. Rates are variable and subject to change. Rate is effective as of 02.17.26. Certificate rates subject to change without notice, penalty applied for early withdrawal of funds, fees may affect earnings. $500 minimum opening deposit for regular certificates. Please use the Secure Form in Digital Banking 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. Some transfer/withdrawal limitations and restrictions may apply. Fees may reduce the earnings. 
Your questions, answered

A certificate is a savings product that allows you to earn a fixed interest rate on money you deposit for a set period of time—such as 6 months, 1 year, or longer. 

In exchange for keeping your funds in the account until the maturity date, you typically receive a higher interest rate than a regular savings account. Certificates offer predictable returns and are insured (by the NCUA at credit unions) up to applicable limits. 

If you withdraw funds before the term ends, an early withdrawal penalty may apply. 

Certificate terms range from 3 months to 5 years. The current terms and rates are listed in the table on this page. A certificate needs a $500 minimum opening deposit, except the Mortgage Saver Certificate, which opens with $50. 

Choosing the right certificate term starts with your timeline. If you plan to use your savings within the next year, a shorter-term certificate may be appropriate. If your goal is several years away, a longer-term certificate can provide steady and predictable growth. The most important step is aligning your certificates' maturity date with when you expect to need the funds. If you would like guidance, our team is always available to help you review your options and move forward with confidence. 

When your certificate reaches its maturity date, you may renew it into a new certificate term, transfer the funds to another account, or withdraw your savings. You will have a 7‑calendar‑day grace period after maturity to make changes. If no action is taken during that time, your certificate will automatically renew according to the terms outlined in your Certificate Agreement. Before maturity, we will provide information about your options so you have time to review and decide what works best for your plans.

The Mortgage Savers 60-Month Certificate is designed for longer-term savings goals, particularly preparing for a future home purchase. With a fixed rate over five years, it provides steady growth and a clear timeline to help you move toward your homeownership plans with intention and confidence. 

Both earn a fixed dividend rate that won't change for the full term, and both are federally insured by the NCUA. The difference is availability and terms. Standard certificates are always offered, in terms from 3 months to 5 years. Special certificates are offered for a limited time, in a specific term, and usually at a higher rate. They can also come with their own rules, such as a maximum balance per member, so check the rate table and disclosures before you open one. If a special matches when you'll need your money, it's usually the better rate. If it doesn't, a standard term that lines up with your timeline is often the smarter choice.