Liberty Checking

All about helping your balance grow.

Earn 50X1 more interest than the national average with Liberty & Liberty Plus Checking—our free checking accounts with easy online banking, ATM fee refunds, overdraft protection and more.


Rally Credit Union


High-Interest Checking Account2


APY = Annual Percentage Yield

Here's what you get:


  • High-interest earnings 50X the national average
  • ATM fee refunds nationwide3
  • No monthly service fees
  • Overdraft protection with Courtesy Pay***
  • Security alerts with digital banking

Must meet the criteria each qualification cycle. See criteria below.
View Liberty qualification cycle.

See All Rates


How to Earn High-Interest Checking

To enjoy high-earning benefits, simply meet these qualifications each month:


Make at least ten Rally debit card purchases4



Have one direct deposit or authorize one automatic payment post from your account



Start earning today!


Open Account

2To receive the high-interest rate, you must have a Rally Credit Union Debit Card with your Liberty Checking account and meet the monthly qualifications. The rate applies to balances of $0.01-$25,000 when qualifications are met. Amounts over the $25,000 will be calculated using a lower Annual Percentage Yield.

3When qualifications are met, ATM Fee Refunds of $4.99 or less will automatically be reimbursed up to a maximum of $4.99 per individual transaction. ATM fees of $5.00+ will be reimbursed if requested; an ATM receipt may be required. The maximum ATM fee refund cap is $25.00 monthly.

4 Have 10 or more debit card purchases post and clear, each must be a minimum of $5.00. Rate is subject to change. Minimum deposit of $20.00 to open the account. Fees, such as Insufficient Funds or Account Inactivity, could reduce monthly earnings.

Liberty / Liberty Plus Checking Rate Tiers:
Minimum balance to obtain rate- $0.00 Dividend Rates 0.01 APY% 0.01
Minimum balance to obtain rate- $0.01-25,000 Dividend Rates 2.97 APY% 3.01
Minimum balance to obtain rate- $25,001+ Dividend Rates 0.50 APY% 0.50
APY=Annual Percentage Yield

Click here for a list of fees.

1Based on rates as of July 24, 2024.
Rates are subject to change. National average based on the weekly national rate caps updated on the FDIC (Federal Deposit Insurance Corporation) website. Updates can be viewed by clicking here. Rates are based on a simple average of banks for which data is available. Credit union deposit rates are not included in the national average.

***Must opt-in to Courtesy Pay to qualify for coverage.