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.
| Minimum Opening Balance | Minimum Balance to Obtain Rate | Interest Rate | APY%** |
|---|
| Account 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 |
| 9 Month No longer available RENEWAL RATE ONLY | RENEWAL RATE ONLY | $1,000.00 | 1.10 | 1.10 |
| Account Type | Minimum Opening Balance | Interest Rate | APY%** |
|---|---|---|---|
| IRA Savings Account | $50.00 | 0.9 | 0.9 |
| 1 Year Term Certificate of Deposit | $1,000.00 | 3.20 | 3.25 |
| 1 Year Term Certificate of Deposit | $100,000 | 3.68 | 3.75 |
| 2 Year Term Certificate of Deposit | $1,000.00 | 3.20 | 3.25 |
| 2 Year Term Certificate of Deposit | $100,000 | 3.68 | 3.75 |
| Minimum Opening Balance | Minimum Balance to Obtain Rate | Interest Rate | APY%** |
|---|---|---|---|
| $2,000.00 | $0 – 49,999.99 | 0.50 | 0.50 |
| $50,000 -99,999.99 | 0.65 | 0.50 - 0.60 | |
| $100,000 - 249,999.99 | 2.22 | 0.60 - 1.60 | |
| $250,000.00+ | 2.71 | 1.60 - 2.20 |
| Minimum Opening Balance | Minimum Balance to Obtain Rate | Interest Rate | APY%** |
|---|---|---|---|
| $25.00 | $50.00 & Over | 0.25 | 0.25 |
| Minimum Opening Balance | Minimum Balance to Obtain Rate | Dividend Rate | APY%** |
|---|---|---|---|
| $25.00 | $50.00 & Over | 0.25 | 0.25 |
**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.
Liberty Checking and Liberty Plus Checking are premier, 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. The advertised APY of 3% is calculated based on a balance of $25,000. The APY of 0.25% is calculated based on a balance of $250,000 for the top tier.
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. 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.
Liberty 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. 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.
Qualifications:
Monthly qualification criteria applies to earned tier rate.
Certificate of Deposit (CD) - Rates are subject to change. CD will automatically renew at maturity to a term of one year at the then one-year certificate of deposit rate. Withdrawal of dividends or early withdrawal of principal will reduce the APY. An Early Withdrawal Penalty may be imposed if you withdraw any of the principal before the maturity date or renewal date.
Individual Retirement Accounts (IRA) - Rates are subject to change. Withdrawal of interest or early withdrawal of principal will reduce the APY. An Early Withdrawal Penalty may be imposed if you withdraw any of the principal before the maturity date. Interest is calculated on the actual daily balance and paid quarterly.
Money Market Accounts - Rates are subject to change. A 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 0.50% on the first $49,999.99, 0.65% on the next $49,999.99, 2.22% on the next $149,999.99 and 2.71% on the next $250,000.03. The blended APY of 2.20% is calculated based on a balance of $500,000. Withdrawal of interest or early withdrawal of principal will reduce the APY. An Early Withdrawal Penalty may be imposed if you withdraw any of the principal before the maturity date or renewal date. Interest is calculated on the actual daily balance and paid quarterly.
Home Savings Accounts - Rates are subject to change. Interest is calculated on the actual daily balance and paid quarterly. Must keep a minimum balance of $25.00 on deposit.
Basic Savings Accounts - Rates are subject to change. Dividends are calculated on the actual daily balance and paid quarterly. Must keep a minimum balance of $25.00 on deposit. 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.
