Upcoming Scheduled Maintenance: Rally Credit Union will be conducting essential system maintenance beginning on Tuesday, October 28, 2025 from 8:00 pm -9:00 pm.
| Account Term/Type | Minimum Opening Balance | Minimum Balance to Obtain APY** | Interest Rate | APY%** |
|---|---|---|---|---|
| 3 Month | $1,000.00 | $1,000.00 | 3.35 | 3.40 |
| 6 Month | $1,000.00 | $1,000.00 | 3.44 | 3.50 |
| 6 Month | $1,000.00 | $100,000 | 3.92 | 4.00 |
| 1 Year | $1,000.00 | $1,000.00 | 3.20 | 3.25 |
| 1 Year | $1,000.00 | $100,000 | 3.68 | 3.75 |
| 2 Year | $1,000.00 | $1,000.00 | 3.20 | 3.25 |
| 2 Year | $1,000.00 | $100,000 | 3.68 | 3.75 |
| 3 Year | $1,000.00 | $1,000.00 | 3.20 | 3.25 |
| 3 Year | $1,000.00 | $100,000 | 3.68 | 3.75 |
| Minimum Opening Balance | Minimum Balance to Obtain APY** | Dividend Rate | APY%** |
|---|---|---|---|
| $25.00 | $50.00 & Over | 0.25 | 0.25 |
| Account Term/Type | Minimum Opening Balance | Minimum Balance to Obtain APY** | Interest Rate | APY%** |
|---|---|---|---|---|
| Plus Checking | $20 | 0.00 | 0.00 | |
| Simple Checking | $20 | 0.00 | 0.00 |
| Minimum Opening Balance | Minimum Balance to Obtain APY** | Interest Rate | APY%** |
|---|---|---|---|
| $2,000 | $0 - 49,999.99 | 0.25 | 0.25 |
| $2,000 | $50,000 – 99,999.99 | 0.50 | 0.25 - 0.40 |
| $2,000 | $100,000-249,999.99 | 1.49 | 0.40 - 1.05 |
| $2,000 | $250,000+ | 2.47 | 1.05 - 1.75 |
**APY = Annual Percentage Yield
Rate information: Prospective dividend and interest rates along with calculated APYs for accounts are set forth above as of (October 29, 2025). 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.
This Rate and Fee Schedule sets forth rates, fees, and charges applicable to the Business Share Savings Account, Business Checking Accounts, and Business Money Market Account at Rally Credit Union as of the date set forth on the respective product charts. They are incorporated as a part of, and in addition to, your Business Member Account Agreement booklet with Rally Credit Union. Please refer to this for additional terms, conditions, and limitations that may be associated with your specific account(s). Rates and terms are subject to change after account is opened. Fees may reduce earnings.
A Business Money Market 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 0.25% on the first $49,999.99, 0.50% on the next $49,999.99, 1.49% on the next $149,999.99 and 2.47% on the next $250,000.03. The blended APY of 1.75% is calculated on a balance of $500,000.
Business Share Savings account is required to maintain a minimum average daily balance of $25.00.
Nature of Dividends: Dividends are paid from current income and available earnings after required transfers to reserves at the end of the dividend period. The Dividend Rate and Annual Percentage Yield (APY) are the prospective rates and yields that the Credit Union anticipates paying.
