The qualification cycle is calculated using one (1) day prior to the first day of the current month through one (1) day prior to the last day of the current month. For example, the beginning date of the first qualification period of the calendar year is December 31 and the ending date of such qualification period is January 30.
The following transactions must post and settle to the account during the Qualification Cycle:
2025
Qualification Cycles:
12/31/2024 - 01/30/2025
01/31/2025 - 02/27/2025
02/28/2025 - 03/30/2025
03/31/2025 - 04/29/2025
04/30/2025 - 05/30/2025
05/31/2025 - 06/29/2025
06/30/2025 - 07/30/2025
07/31/2025 - 08/30/2025
08/31/2025 - 09/29/2025
09/30/2025 - 10/30/2025
10/31/2025 - 11/29/2025
11/30/2025 - 12/30/2025
12/31/2025 - 01/30/2026
2024
Qualification Cycles:
12/31/2023 - 1/30/2024
1/31/2024 - 2/28/2024
2/29/2024 - 3/30/2024
3/31/2024 - 4/29/2024
4/30/2024 - 5/30/2024
5/31/2024 - 6/29/2024
6/30/2024 - 7/30/2024
7/31/2024 - 8/30/2024
8/31/2024 - 9/29/2024
9/30/2024 - 10/30/2024
10/31/2024 - 11/29/2024
11/30/2024 - 12/30/2024
12/31/2024 - 1/30/2025
2023
Qualification Cycles:
12/31/2022 - 1/30/2023
1/31/2023 - 2/28/2023
2/29/2023 - 3/30/2023
3/31/2023 - 4/29/2023
4/30/2023 - 5/30/2023
5/31/2023 - 6/29/2023
6/30/2023 - 7/30/2023
7/31/2023 - 8/30/2023
8/31/2023 - 9/29/2023
9/30/2023 - 10/30/2023
10/31/2023 - 11/29/2023
11/30/2023 - 12/30/2023
12/31/2023 - 1/30/2024
The Liberty Checking and Savings Bundle is a free, high-yield combo built to boost your balance3. You’ll earn more on both accounts with perks and flexibility included.
Checking
Savings
Our free, high-yield checking and savings account combination designed to maximize your earnings on checking and savings.
Like a loyal bestie—but with built-in security and smarter tools. Rally’s digital banking sticks with you 24/7, so you can check balances, move money or pay bills from anywhere.
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Rate Disclosures
**APY = Annual Percentage Yield
Rate information: Prospective dividend and interest rates along with calculated APYs for Business Accounts are set forth above as of (today’s date). The APY is a percentage rate that reflects the total amount of interest or dividends to be paid on an account based on the rate and frequency of compounding for an annual period. The APY assumes that funds remain on deposit until maturity or one full year for non-maturing accounts. Rally Credit Union uses the Daily Balance method to calculate earnings on your account. Withdrawal of earnings or early withdrawal of principal will reduce the APY. Rally’s rates are variable and may change at any time, impacting the APY.
Liberty Checking and Liberty Plus Checking are premiere, free checking accounts that pay interest on your balance and deliver ATM fee refunds when qualifications are met. Liberty Checking and Liberty Plus Checking are blended rate tier accounts. Each tier corresponds to a range of account balances, APYs and interest rates. The interest rate is paid on the portion of your balance within each tier. Monthly qualification criteria applies to earn tiered rate. Liberty Checking APY decreases as deposit amount increases. For example, on a $250,000 balance, you will earn a rate of 2.97% on the first $25,000 and 0.25% on the next $225,000. The blended APY of 0.50% is calculated based on a balance of $250,000.
When 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. The monthly qualifying debit card purchase for each individual debited transaction must be a minimum of $5.00. If there’s a month you don’t meet the qualifications, there’s no penalty and you still have a free checking account that earns a base annual percentage yield. Rate is subject to change without notice. Minimum deposit of $20.00 to open the account. Fees, such as Insufficient Funds or Account Inactivity, could reduce monthly earnings. Click here for a list of fees.
Qualifications:
Monthly qualification criteria applies to earned tier rate.
Liberty Plus Savings is a free savings account bundled with Liberty Plus Checking that pays interest on your balance when Liberty Plus Checking qualifications are met. The high-interest rates apply to balances of $0.01 or more, when qualifications are met. The monthly qualifying debit card purchase for each individual debited transaction must be a minimum of $5.00. If there’s a month you don’t meet the qualifications, there’s no penalty and you still have a free savings account that earns a base annual percentage yield. Liberty Plus Savings Account is a blended rate tier account. Each tier corresponds to a range of account balances, APYs and interest rates. The interest rate is paid on the portion of your balance within each tier. For example, on a $500,000 balance, you will earn a rate of 3.05% on the first $99,999.99, 3.15% on the next $149,999.99, and 3.25% on the next $250,000.02. The blended APY of 3.25% is calculated based on a balance of $500,000. Rate is subject to change without notice. Minimum deposit of $500.00 to open the account. Fees, such as Insufficient Funds or Account Inactivity, could reduce monthly earnings. Click here for a list of fees.
