Allegacy Federal Credit Union is a member‑owned, not‑for‑profit financial cooperative headquartered in Winston‑Salem, North Carolina, founded in 1967 that provides personal and business banking services including checking, savings, loans, mortgages and digital banking tools to its membership under federal credit union regulation; it operates multiple branches and digital platforms, emphasizes lower fees and higher dividend rates compared with traditional banks, and engages in community support and financial education initiatives across its service region.