DEPOSIT RATES
Savings, Checking, & Certificate Rates
To see our Truth-in-Savings – Share Savings and Checking Disclosure.
To see our Truth-in-Savings – Share Certificate Disclosure.
Rates effective 10/26/2026
| Savings | Dividend Rate | APY* | Term |
|---|---|---|---|
| Share Account | % | % | n/a |
| IRA Savings | % | % | n/a |
| Money Market Share Account ($2,500.00 – $9,999.99) | % | % | n/a |
| Money Market Share Account ($10,000.00 – $24,999.99) | % | % | n/a |
| Money Market Share Account ($25,000.00 and over) | % | % | n/a |
| High Yield Money Market Share Account ($25,000 - $49,999.99)** | 3.93% | 4.00% | n/a |
| High Yield Money Market Share Account ($50,000 - $99,999.99)** | 3.93% | 4.00% | n/a |
| High Yield Money Market Share Account ($100,000 and over) | 0.85% | 0.85% | n/a |
| Youth Share Account ($5.00 - $4,999.99) | 3.95% | 4.00% | n/a |
| Youth Share Account ($5,000.00 and over) | % | % | n/a |
| Holiday Club | % | % | n/a |
| Vacation Club | % | % | n/a |
The rate and the APY are subject to change. A minimum average daily balance of $100 is required to earn dividends on Regular Share Savings Accounts, IRA Savings Accounts, Vacation Clubs, and Holiday Clubs. A minimum average daily balance of $2,500 is required to earn dividends on Money Market Share Savings Accounts. For Vacation Club Accounts the entire balance will be transferred to another account of your on or after May 1st and the account will remain open. For Holiday Club Accounts the entire balance will be transferred to another account of your on or after October 1st and the account will remain open. You may not make withdrawals from Club Accounts at any other time. Dividends compound monthly. Fees and other conditions may reduce earnings.
**The High Yield Money Market account will earn a dividend rate of 3.93% with an APY of 4.00%. This account has a minimum balance to open of $25,000. Balances under $25,000 are subject to a $50 monthly fee. $25,000 new money is required to open this account and cannot already be on deposit with Allegent. Cash or check withdrawals/transfers from Allegent deposit accounts in the past 30 days will be added to your new money requirements. Loan payments are excluded from this new money calculation. For example, a withdrawal on 9/9/26 for $500 and $1000 on 9/21/26 would require $26,500 new money to open this account on 10/9/26. Rates are subject to change without notice. Stated APY for the High Yield Money Market account applies to deposits from $25,000 to $99,999.99. Balances $100,000 and over will be subject to a lower APY. Offer may be discontinued at any time. Additional terms and rates are available.
| Checking | Dividend Rate | APY* | Term |
|---|---|---|---|
| Premier MoneyPlus Checking Tier I ($1,500 to $9,999.99) | % | % | n/a |
| Premier MoneyPlus Checking Tier II ($10,000 to $24,999.99) | % | % | n/a |
| Premier MoneyPlus Checking Tier III ($25,000 and over) | % | % | n/a |
The rate and the APY are subject to change. A minimum average daily balance of $1,500 is required to earn dividends on Premier Money Plus Checking Accounts. Dividends compound monthly. Fees and other conditions may reduce earnings.
6, 12, 18, 24, 30, 36, 48, 60 Month Term: $500 minimum investment to open a share certificate and obtain the APY.
Youth Share Certificate: $100 minimum investment to open a share certificate and obtain the APY.
Regular certificate or IRA certificate compounded quarterly except for 6 month term. Minimum investment required to open a regular share certificate or IRA certificate and obtain the APY. Penalty for early withdrawal may reduce earnings. Rates subject to change without notice.
*APY = Annual Percentage Yield.
*** The 7-month certificate will earn a dividend rate of 3.97% with an APY of 4.00%. Penalty for early withdrawal may reduce earnings. This offer cannot be combined with any other offer. $1,000 new money is required. A minimum balance of $1,000 must be maintained to maturity to earn the stated APY. $250,000 maximum investment per member. Offer may be discontinued at any time. Offer valid for consumer certificates and IRA certificates only. Membership Eligibility Required. Federally Insured by NCUA.
**** The 6-month Youth certificate will earn a dividend rate of 3.97% with an APY of 4.00%. Penalty for early withdrawal may reduce earnings. This offer cannot be combined with any other offer. Primary account owner must be under 18 years of age; parents or guardians may be joint owners of the account. A minimum balance of $100.00 must be maintained to maturity to earn the stated APY. Youth Certificate Accounts must be opened in a branch; not available online. Offer may be discontinued at any time. Offer valid for consumer certificates and IRA certificates only. Conditions exist - contact a member service consultant for more information.
Calculators
Understand your financial situation with our Rate Calculators!
Allegent is pleased to provide you with state-of-the-art financial calculators to assist you in organizing and understanding your financial situation.
Please click on one of the calculators below to start the appropriate application.
Note: All calculators require the Java Plug-In. You may need to leave the allegentfcu.org site, and download the plugin from the Java website.
Mortgage Loan Calculator
Use this calculator to determine your monthly payment and amortization schedule.
Alternative Payment Frequencies Calculator
Use this calculator to determine your payment or loan amount for different payment frequencies.
Investment Returns Calculator
Use this calculator to help you see how inflation, taxes, and your time horizon can impact your bottom line.
Retirement Income Calculator
Use this calculator to determine how much monthly income your retirement savings may provide you in your retirement.
Savings Calculator
Use this calculator to find out how consistent investments over a number of years can be an effective strategy to accumulate wealth.