Rally offers a variety of Individual Retirement Accounts (IRAs)2, including tax-deductible options, to help you build toward your future—one confident step at a time.
See All Deposit Rates
A Traditional IRA savings account lets you defer taxes on what you contribute—so you can pay later. You can open one for as little as $50.
Information Resources
Traditional IRAs – View PDF
Transfers, Rollovers, and Conversions – View PDF
With a Roth IRA savings account, your contributions aren’t tax-deductible—but your withdrawals in retirement are tax-free.
Information Resources
Roth IRA – View PDF
Transfers, Rollovers, and Conversions – View PDF
A Coverdell IRA savings account helps parents grow education funds. Contributions aren’t tax-deductible, but qualified withdrawals are tax-free and can be used anytime.
Information Resources
IRA Certificates earn higher dividends and require as little as $1,000 to get started.
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Rate Disclosures
**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.
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.
