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Products

Savings

Allegis Credit Union offers you a variety of savings products to help you keep your money organized and to make it as easy as possible for you to build your nest egg! 

Share Savings Account

Your first $5 deposit opens your Share Savings Account and establishes your credit union membership.  You must have a Share Savings to access all the other products and services Allegis Credit Union offers.

A $5 minimum balance is required in your Share Savings Account at all times.  You will earn interest when your balance reaches $100 or more.  Interest is compounded and paid quarterly.

Consider applying for an ATM Card or MasterCard Debit Card to have easy access to the funds in your account.  View a complete list of our no-surcharge ATM machines.

Club Accounts

IRA Club
The IRA Club is a tax-deferred retirement savings account that offers unlimited account access to transfer to and from other IRA vehicles.

Christmas Club
Start saving for the holiday season with a Christmas Club.  Deposits are unlimited and one early withdrawal is allowed prior to the Christmas Club payout.  Your balance is automatically transferred to your Share Savings Account on November 1st to allow plenty of time for your holiday shopping.  There is no minimum balance required on Christmas Clubs.

Vacation Club
Begin saving for any purpose with the Vacation Club.  Deposits and withdrawals are unlimited and no minimum balance is required.

Money Market Savings

The Money Market Savings rewards higher balances with a higher interest rate than the Share Savings Account.  No minimum balance is required in the Money Market Savings, however, interest is only earned on balances of $2,500 or more.  Interest is compounded and paid quarterly.

Enjoy unlimited withdrawals and deposits into your Money Market Savings.  Funds can easily be transferred to and from this account through CU*Talk Telephone Access or Online Banking.

Certificates of Deposit

Earn a higher yield on your money with a Certificate of Deposit (CD).  Rates are fixed so you will be locked in, even if rates drop during your term.  CDs start with a $1,000 minimum and terms from 6 months to 5 years are available.  Rates are tiered so that the more you deposit, the higher your earnings will be.  At the end of your term, you can choose to have your funds roll into a new CD with the same term length at the current interest rate at that time.

Youth Certificates of Deposit

There is only a $100 minimum deposit on Youth CDs opened through the Earnie the Earlybird Kid's Club or the Independence Now Club.

IRA Certificates of Deposit

IRA CDs offer a tax-deferred retirement savings option with all of the benefits of a traditional Certificate of Deposit.

Individual Retirement Accounts (IRAs)

We have a variety of IRA options to help you plan for your retirement, first home, or education.

Traditional IRA
Choose between an IRA Club account and an IRA Certificate of Deposit. Both allow for tax-deferred funds to help prepare you for retirement.

Roth IRA
Funds placed into a Roth IRA are taxed that year. Your earnings then grow tax-free and there are no tax payments due when you utilize the funds for retirment.

Education IRA (Coverdell Education Savings Account)
Start saving for a specific child through their 18th birthday. Funds may be used for educational purposes until they are 30 years of age.

Checking

Have you been looking for a checking account you can live with?  Look no further than Allegis Credit Union!  Your checking account will be easy to use, and you will have access to your money through Online Banking and CU*Talk Telephone Access.  Choose the checking account that will work best for you! 

Draft Checking Account

Your checking account shouldn’t interfere with your life.  That’s why Allegis Credit Union has made it simple!  There is no minimum balance requirement, no per check fees, and no monthly service charges.  Apply for a Debit MasterCard and ATM card to take advantage of even greater access to your money.  View the list of over 28,000 surcharge-free ATMs!

CheckGuard Overdraft Protection is available on your draft checking account.  Simply apply for this “safety net” and you are covered for up to $5,000 in the case you overdraw your checking account.

SelectCheck55

If you are age 55 or better, take advantage of this exclusive interest-bearing checking account.  You will receive free SelectCheck55 checks, or 50% off an order of designer checks.  All checks are carbonized to help you record your checking transactions.

A minimum balance of $500 is required on SelectCheck55.  Interest is earned on a balance of $1,000 or more.  Access your SelectCheck55 account with a Debit MasterCard/ATM Card, accepted anywhere you see the MasterCard logo.  You can also withdraw cash from over 25,000 surcharge-free ATMs worldwide.

SelectCheck55 members get their money orders for free and receive ¼% higher rate on new or renewing Certificates of Deposit (CDs).

Youth Checking Account

This is a checking account that will make you smile.  If you are between 13-17 years old, you are eligible for a Youth Checking Account.  Youth members need a co-signer, so bring your parents or guardians into Allegis to talk about opening your first checking account.  You will learn how to write checks, balance your account, and work towards your financial goals.  With an ATM card and Online Banking, you will have access to your money no matter where your busy life takes you.  And we will take the time to sit down with you and your parents and make sure you are comfortable with your new checking account and all the responsibilities that go along with it.  As your credit union, we look forward to helping you succeed!

Loans & Lines of Credit

It’s your first car, your first home.  Before you know it, it’s your family vacation or child’s college tuition you’re looking to finance.  It’s life, and we’re here to help keep it affordable.  Apply online or in person.  Our team of lenders are ready to serve you with a wide variety of loans.

Any Purpose (Personal) Loan

Whatever your need for a loan is, the Any Purpose Loan from Allegis Credit Union is here for you!  Whether you had an emergency pop up and you need money quickly, or you want to consolidate your debt into one monthly payment, this fixed rate personal loan is your solution.

Auto Loan

Purchase the vehicle of your dreams with an auto loan from Allegis Credit Union!  This installment loan will cover up to the highest NADA book value plus tax and title.  Terms range from 24-60 months, with longer terms available for qualifying loans.  There is no application fee.  Get pre-qualified before you shop and you’ll save an extra ¼% off Allegis’ already low rates!  Pre-qualification is valid for 30 days.

Checkguard Overdraft Protection Line of Credit

You will never overdraw your checking account with Checkguard Overdraft Protection.  Checkguard is a line of credit that can go up to $5,000 and is connected to your checking account.  Funds are transferred in $50 increments to cover overdrawn amounts and you only pay interest on the money you use.  For example, a transfer of $100 would incur interest of just pennies a day. There is no fee to apply for this safety net that will protect you from bouncing a check or being charged overdraft fees. 

HomeLine

You’ve earned the equity in your home, now it’s time to use it!  The HomeLine Home Equity Line of Credit offers homeowners access to funds for any purpose, up to 80% home equity*.  It offers a variable rate that starts at Prime** (minimum 4.00% APR) and is adjusted quarterly with a maximum annual percentage rate of 15.00%.

HomeLine checks are included free of charge to allow for easy access to this line of credit.  You can access this revolving line of credit for 10 years and you receive an additional 10 years for repayment.  Payments throughout the loan are 1% of the outstanding principle with a minimum of $50.

Interest on your HomeLine is tax deductible in most cases, so check with your tax advisor.  Stop in today and talk to a Financial Services Officer to see how the HomeLine can work for you!

*Equity is determined by the following equation: SEVx0.8-outstanding mortgage due=home equity. 
**Prime rate is posted in the Wall Street Journal.  Up to 80% loan to value (LTV) equal to Prime rate.

Home Equity Fixed Loan

Take advantage of equity in your home with the Home Equity Fixed Loan.  It offers home owners to access up to 80% of their home’s equity to use for any purpose.  The fixed rate and term allow for a comfortable repayment plan.

Interest on your Home Equity Fixed Loan is tax deductible in most cases, so check with your tax advisor.  Stop in today and talk to a Financial Services Officer to see how the Home Equity Loan can work for you!

Home Mortgages

No matter what your home-buying needs are, we have the mortgage solution for you! Allegis can provide you with
mortgage solutions for:
• Home Purchase
• Modular
• Jumbo Loans
• Refinancing
• FHA Loans
• Rural Development Loans

Visit our Mortgage Center to check rates, apply, or to set up an appointment with Terri Loud, our mortgage specialist by email or by calling her directly at (269) 329-9779.

Recreational Vehicle Loan

Use this loan to purchase fun stuff like a boat, motorcycle, camper, snowmobile, or personal watercraft.  Like the Auto Loan, this installment loan will cover up to the highest NADA book value plus tax and title.  Terms range from 24-60 months, with longer terms available for qualifying loans.  There is no application fee.  Get pre-qualified before you shop and you’ll save an extra ¼% off Allegis’ already low rates!  Pre-qualification is valid for 30 days.

Revolving Loan

Just imagine the possibilities…a new computer, a vacation with the family or maybe funds to go back to school…all made possible with the Revolving Loan.  It can be used for any purpose and you can access your loan through CU*Talk, Online Banking, or by calling Allegis.  This loan offers a fixed rate for a fixed term, up to 48 months.  Your rate stays the same throughout the life of the loan to allow a comfortable repayment plan.  There is no minimum loan amount and loans can be requested up to $10,000.

Share or CD Secured Loan

Need to establish credit?  The Share Secured Loan is the perfect opportunity to build a healthy credit score.  A balance equal to the starting amount is held in the share account until the loan is paid off.  There is no minimum loan amount required and there is no application fee.  Members with children 18 or older may consider holding the funds in their share account for their child’s loan.  Your young adult gains valuable experience paying off a loan and will start building their credit.

A Certificate of Deposit (CD) Secured Loan is similar to the Share Secured Loan.  It requires that a CD of equal value to the loan amount be held until the loan is paid off.

Student Loan

If you need help paying for your college education, check out Allegis’ Student Loans! 

Convenience Products

Additional Branch Locations

In addition to Allegis Credit Union branches, members are welcome at a growing list of shared credit union branches nationwide.  Conduct basic transactions at any Credit Union Service Center or Xtend Shared Branch.  View a complete listing of additional branch locations.

ATM Card

An ATM Card is a convenient way to access your account.  Get cash, make deposits, withdrawals, or loan payments, check your balance, or transfer funds at one of over 28,000 ATMs worldwide within the Co-op Network.

Debit MasterCard

Your Debit MasterCard includes all of the benefits of an ATM Card and more!  Use your debit card wherever MasterCard is accepted, including restaurants, grocery stores, and gas pumps.  Your debit purchases will come from the funds in your checking account.  When you use your debit card, you may be asked if is a credit or debit card.  Both answers are correct.  When you say “Credit”, you will sign for your purchases, which is the most secure way to use your Debit MasterCard.  If you say “Debit”, you will enter your Personal Identification Number (PIN) on a keypad.  Apply now!

*Once you receive your new debit card in the mail, call 1-800-466-0040 to activate it.

Direct Deposit & Payroll Deduction

Save time on payday when you have your paycheck automatically deposited into your Allegis Credit Union account.  You can even designate funds to automatically transfer into different accounts, or into different suffixes within one account.  Set up your direct deposit! Just fill out the form and return it to your employer.

Automatic Funds Transfer (AFT)

Never have a late loan payment again!  Have your loan payment automatically transferred from your savings or checking each month! 

Investment Center

Whether you are looking for advice on preparing for your retirement or just need to know the best way to plan for your children’s college education, our Investment Center can help.  We want to be your partner in investment success.  Call our Investment Center at 1-800-797-3281 to schedule an appointment. 

Money Orders

Allegis Credit Union provides the service of written money orders at a fee of $2 each. These are available up to $1,000 each and guarantee funds. Members enrolled in the Senior Club are not charged for Money Orders or Cashier's Checks.  (Senior's Club benefits offered to individuals aged 62+ who have an Allegis CU Checking Account and active Direct Deposit.)

VISA Credit Cards

Enjoy great, fixed interest rates, no annual fees, and no minimum finance charges with a VISA Classic or VISA Platinum credit card from Allegis Credit Union.  There are no fees for cash advances, which you can get at any ATM or financial institution with the VISA logo.  There are also no fees for balance transfers and you’ll earn 1% cash back when you transfer other credit card balances to your Allegis VISA.  Apply online and start saving today!  View Rate, Fee, and other cost information for VISA.

VISA Gift Card

Give the gift that always fits!  A VISA Gift Card is like giving cash.  The recipient can use the card anywhere VISA is accepted.  The only exceptions are hotels, gas pumps, car rental companies, and ATMs.  Give any amount between $10 and $500.  Upon purchase, the card is active within 48 hours.  The card expiration varies.  It is only $3.00 to purchase the card.  This also makes the VISA Gift Card a great tool for teaching your teens good spending habits.

Group Insurance Rates

Members can take advantage of group auto and homeowners insurance rates through AAA Michigan. Automatic deductions from member accounts are available to make easy monthly payments. For detailed information or for quotes on insurance premiums, please call AAA Michigan: (800) AAA-MICH.  Please note that the insurance products listed above are not deposit products or obligations of, or guaranteed by Allegis Credit Union or any affiliate of Allegis Credit Union.  The insurance products are not insured by the National Credit Union Administration (NCUA), Allegis Credit Union or any other agency of the United States.

Traveler's Checks

Members are eligible to obtain American Express Travelers Checks or "Cheques For Two" at a low charge of $2.00 per $100! Checks come in multiples of $50 and $100. A minimum of $100 worth of checks must be requested. "Cheques For Two" allow two people to sign and cash individually.

Notary Public Service

Notary Public services are available at all branches.  Notary Publics and can officially act as witnesses for all legal documentation.

e-Services

We know life is hectic and rarely fits into a 9-5 schedule.  That’s why we offer many alternative ways to access your money.  View our menu of convenient electronic services!