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# Rally Credit Union

Banking for All

## Sitemaps

- [XML Sitemap](https://rallycu.com/sitemap.xml): Contains all public & indexable URLs for this website.

## Posts

- [Fraud Alert: Scammers Are Impersonating Rally by Phone](https://rallycu.com/fraud-alert-scammers-are-impersonating-rally-by-phone/) - We’ve received reports of scammers calling members while pretending to be Rally’s Fraud Department. In some cases, the caller ID may even appear to display a Rally phone number. These calls are designed to gain your trust and convince you to provide personal or account information. If you receive an unexpected call claiming to be from Rally, hang up
- [What does financial freedom mean to you?](https://rallycu.com/what-does-financial-freedom-mean-to-you/) - July 1 is Financial Freedom Day—a reminder to celebrate the progress you’ve made and to think about where you want your financial journey to take you next. At Rally Credit Union, we asked team members one simple question: “What does financial freedom mean to you?” The answers were as unique as the people who shared them. For some,
- [How to Dispute Fraudulent Information on Your Credit Report](https://rallycu.com/how-to-dispute-fraudulent-information-on-your-credit-report-2/) - How to Dispute Fraudulent Information on Your Credit Report You've worked hard to build and maintain your credit, and it deserves to be a true reflection of your financial journey. Since your credit report plays a major role in determining the cost of borrowing money, accuracy is vital. Here's how to ensure your credit report
- [Fraud and Financial Exploitation](https://rallycu.com/fraud-and-financial-exploitation/) - The elderly are the fastest growing segment of our society and they are also an important part of our country's economy. America's growing older adult population is uniquely vulnerable to a broad range of exploitation and abuse. Financial crimes in particular are targeted at older adults with alarming frequency, and are all too often successful.
- [More Ways to Bank: Full-Service Drive-Thru ITMs Now Available in Rockport ](https://rallycu.com/more-ways-to-bank-full-service-drive-thru-itms-now-available-in-rockport/) - At Rally Credit Union, we’re committed to creating convenient, consistent experiences that help our members bank when and how they choose. That’s why we’re excited to bring full-service Interactive Teller Machines (ITMs) to our Rockport branch. Designed to provide added convenience and flexibility, our new drive-thru ITMs offer many of the same transactions members would expect from a traditional teller line—all
- [AI Voice Scams](https://rallycu.com/ai-voice-scams/) - It’s 2026, we have AI to keep up with and now we have AI voice scams that are becoming popular in the scammer world. These are often known as AI “voice cloning” that uses artificial intelligence to voice clone with the help of only a few seconds of someone’s real voice. According to CNN Business, AI Voice Scams
- [Account Detail and History ](https://rallycu.com/account-detail-and-history/) - How to View Account Details and Transaction History Learn how to access your account details and review your transaction history in Rally Credit Union’s online banking. This tutorial walks you through viewing recent activity and finding important account information.
- [Activity Center](https://rallycu.com/activity-center/) - How to Use the Activity Center Learn how to use the Activity Center in Rally Credit Union’s online banking. This tutorial shows you how to track transactions, monitor pending activity, and manage your account actions in one convenient place.
- [Alerts](https://rallycu.com/alerts/) - How to Set Up and Manage Account Alerts Learn how to set up and manage account alerts in Rally Credit Union’s online banking. This tutorial walks you through creating notifications for account activity, balances, and important updates.
- [Funds Transfer](https://rallycu.com/funds-transfer/) - How to Transfer Funds Between Accounts Learn how to transfer funds between your accounts using Rally Credit Union’s online banking. This tutorial shows you how to initiate, review, and complete transfers quickly and securely.
- [Secure Messaging](https://rallycu.com/secure-messaging/) - How to Use Secure Messaging Learn how to use secure messaging in Rally Credit Union’s online banking. This tutorial shows you how to send and receive messages safely, helping you communicate with the credit union about your accounts.
- [Online Banking Home Page](https://rallycu.com/home-page/) - How to Navigate the Online Banking Home Page Learn how to navigate the Rally Credit Union online banking home page. This tutorial provides an overview of your dashboard, including how to view account balances, access key features, and quickly find the tools you use most.
- [Text Scams to be Aware of](https://rallycu.com/text-scams-to-be-aware-of/) - In 2024, text message scams hit over 470 million in losses according to Federal Trade Commission. Text message scams are on the rise and it is vital to know what to be aware of. Here are some common text scams to be aware of. If you are unsure about a text message you can always Text message scams are on the rise and it is vital to know what to be aware of. Here are some common text scams to be aware of.
- [Prepare Your Home and Finances](https://rallycu.com/prepare-your-home-and-finances/) - Essential Steps Before a Hurricane Hits As hurricane season approaches, taking proactive steps to safeguard your home and finances is paramount. Before a hurricane strikes, it’s crucial to prepare both your physical environment and your financial resources. Here are some key measures to consider: Create a Home Inventory: Begin by cataloging your valuables and scanning
- [What is a Digital Wallet?](https://rallycu.com/what-is-a-digital-wallet/) - “Don’t forget your wallet” or “Where did I put my wallet?” are phrases we hear all the time. Thanks to modern technology, it’s not the end of the world if you occasionally leave your wallet at home (though remember—some situations still require physical identification). Thanks to “digital wallet” options, there is no need to panic if you manage to misplace your Thanks to “digital wallet” options, it’s not a panic if you manage to misplace your wallet or simply forget your wallet at home! Digital wallets have become more in demand by the everyday consumer. Digital wallets allow the consumer to use your smartphones in order to make payments, store gift cards, insurance cards, and most importantly a place to store your virtual debt cards! “Don’t forget your wallet” or “Where did I put my wallet?” are phrases we hear all the time. Thanks to modern technology, it’s not the end of the world if you occasionally leave your wallet at home (though remember—some situations still require physical identification). Thanks to “digital wallet” options, there is no need to panic if you manage to misplace your
- [World Password Day](https://rallycu.com/world-password-day/) - Strong Password Habits Matter In today’s digital world, passwords help protect everything from your online banking account to your personal information. That’s why World Password Day serves as an important reminder to review your password habits and make sure your information stays secure. One of the most common mistakes people make is using personal information
- [Beware of Scams Using Money Transfer Apps](https://rallycu.com/beware-of-scams-using-the-money-transfer-apps/) - We are proud to offer the usage of Zelle in our Rally mobile app! Zelle is a safe and free way to send and receive money with friends, family and people who you trust. Zelle has become one of the most popular ways to send and receive money quickly. With just a few taps, users
- [Protect Your Account with a Travel Notice](https://rallycu.com/protect-your-account-with-a-travel-notice/) - ✈️Travel Smart with your Rally Mobile App! Summer 2026 is near, and we want to ensure that your travel experience is smooth by ensuring you have a travel notice on your account! When you use your Rally debit card in an unfamiliar location, it may trigger our fraud protection measures that are created to keep Summer 2026 is near, and we want to ensure that your travel experience is smooth by ensuring you have a travel notice on your account!
- [Be Cautious of Suspicious Microsoft-Themed Emails](https://rallycu.com/security-alert-cybercriminals-using-microsoft-branding-in-scam-emails/) - Cybercriminals are using increasingly sophisticated phishing scams designed to look like legitimate Microsoft emails and alerts. Because some of these messages are sent through real Microsoft systems, they may appear more convincing and could bypass traditional spam filters.These scams may include:• Fake password reset or account verification requests• Fraudulent purchase or billing notifications• Links to
- [Protecting Your Business from Fraud](https://rallycu.com/protecting-your-business-from-fraud/) - As businesses continue to rely on digital tools and online payments, fraud risks are evolving just as quickly. One of the most common threats today is corporate account takeover—when fraudsters gain access to a business account to move funds, alter payroll, or steal sensitive information.Common Risks to Watch Account TakeoverUnauthorized access to your business accounts
- [Safeguarding Seniors](https://rallycu.com/protecting-older-adults-from-fraud/) - National Senior Fraud Awareness Day (May 15) is a reminder that scams targeting older adults continue to rise. According to the Federal Trade Commission, older Americans report some of the highest financial losses from fraud each year. Common Scams to Watch Tech Support ScamsUnsolicited calls or pop-ups claiming your device is compromised.Tip: Never give access
- [Unlock the Potential of Your Home with Rally's Home Equity Loans](https://rallycu.com/unlock-the-potential-of-your-home/) - At Rally Credit Union, we understand that your home is more than just a place to live—it's a valuable asset that can help you achieve your financial goals. That's why we offer two flexible home equity loan options: 1st Lien Home Equity Loans and 2nd Lien Home Equity Loans. Let's explore the features and benefits
- [2026 Board of Directors](https://rallycu.com/2026-board-of-directors/) - Rally Credit Union has elected new officers for 2026. Gerald Villarreal will serve as Chairman; Theresa “Tess” Gonzales as Vice Chairman; Kendra Kinnison as Treasurer; and Maria “Mary” Salinas as Secretary. “Serving as Chairman is an honor, and I’m grateful for the trust placed in our board,” said Villarreal. “We remain focused on strengthening the
- [Save Money. Ace Tax Season.](https://rallycu.com/save-money-ace-tax-season/) - Enjoy the perks of being a member. Because we love that you're a member of Rally Credit Union, we're working to bring you special savings this tax season. Get a head start on your taxes and take advantage of member discounts that make filing your taxes easier. File taxes your way with America's #1 tax
- [Credit Score Dashboard Powered by SavvyMoney](https://rallycu.com/savvymoney/) - Monitoring your credit score is FREE for Rally Online Banking Members! With SavvyMoney you have instant access to your credit score, credit report, personalized money-saving offers, and financial education tips on how to improve your score—or maintain an already great one. It’s built right into an easy-to-use dashboard within online and mobile banking, so there’s
- [Pharr Branch Temporary Closure](https://rallycu.com/pharr-branch-temporary-closure/) - Exciting Remodel Pharr Branch Is Getting an Upgrade! Our Pharr Branch is getting a fresh new look—and we can’t wait to share it with you! To bring a full-service lobby and teller line to our Pharr community, the branch will be temporarily closed February 7–22. We’ll reopen with regular business hours on Monday, February 23.
- [Tax Time Tips: Identifying and Preventing Tax Scams](https://rallycu.com/taxtips/) - Get Ready for Tax Season with Rally Credit Union It's that time of year again—tax season! Last year, the IRS processed over 140 million federal income tax returns, and this year is expected to be even busier. While tax season can be stressful, it's important to stay vigilant against scammers and fraudsters who are looking
- [10 Common Tax Mistakes (And How to Fix Them) ](https://rallycu.com/10-common-tax-mistakes-and-how-to-fix-them/) - Whether you’re filing for the first time, entering a new tax bracket or working with similar details from last year – there’s always room for tax filing errors. Thankfully, Rally’s financial wellness partner Green Path is here with a cheat sheet of common issues – and the best ways to resolve them. 1. Wrong Numbers:
- [Smart and Practical Ways to Keep Up With Your Data Privacy ](https://rallycu.com/smart-and-practical-ways-to-keep-up-with-your-data-privacy/) - What Is “Data Privacy”? Data privacy is the principle that individuals should have control over their personal information—how it’s collected, used, and shared. In a world where nearly everything we do leaves a digital footprint, understanding and protecting your data privacy is essential. Below are practical ways to stay in control of your information and keep your digital life
- [Get More Car for Less with Rally’s 84-Month Auto Loan Term](https://rallycu.com/84-auto-loan-term/) - When it comes to buying a new car, affordability and flexibility are key. At Rally Credit Union, we understand that life's financial landscape can be unpredictable. That's why we've introduced our new 84-month auto loan term to help you drive the car you want with a monthly payment you can manage. The Benefits of an
- [Zelle® for Small Business](https://rallycu.com/zelle-for-small-business/) - Zelle® is a fast, safe and easy way for many small businesses to get paid! Eligible businesses can now use Zelle® to request and accept payments from their customers. Zelle® is available right from online and mobile banking so you don’t need to download anything new to start sending and receiving money! How to start
- [Staying Safe from Tech Support Scams](https://rallycu.com/staying-safe-from-tech-support-scams/) - Tech support scams are a common type of imposter scam. In these scenarios, someone will pretend to be a tech support representative to trick a victim into giving them money or personal information. An imposter scammer may call, text, or email to convince you they are someone in authority. They may even use caller ID
- [Federal Stimulus Funds](https://rallycu.com/federal-stimulus-funds/) - When will I get my stimulus funds? Additional stimulus payments for Americans have been initiated through the American Rescue Plan Act of 2021. If you are eligible for this round of stimulus payments, NavyArmy will deposit this payment beginning Monday, March 15, 2021. Your financial health is our top priority. Your best first step is
- [Don’t Let Back-to-School Shopping Stress You Out](https://rallycu.com/dont-let-back-to-school-shopping-stress-you-out/) - The National Retail Federation (NRF) is expecting this year’s back-to-school shopping season to be the most expensive ever. According to their survey, on average, families with children in grades K-12 plan to spend nearly $700 and those with college students plan to spend nearly $1,000, both the highest ever recorded by the NRF. Parents are
- [Important Information about opening a Legal Entity Account](https://rallycu.com/important-information-about-opening-a-legal-entity-account/) - Section 326 of the USA Patriot Act requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account for a covered Legal Entity. New Rules under the Bank Secrecy Act will aid the government in the fight against crimes to evade financial measures designed to combat terrorism and
- [Preparing to travel? Let us know before you hit the road.](https://rallycu.com/preparing-to-travel-let-us-know-before-you-hit-the-road/) - The bags are packed. The hotel is booked. You’ve even lined up someone to water the plants. But there’s one last item to cross off your list before traveling: alert Rally that you’ll be out of town. Why it matters Protecting your finances is our priority. To help safeguard your accounts, our team gets a
- [Your Account Security](https://rallycu.com/your-account-security/) - Last week, our security systems detected unusual activity from a bad party attempting to access multiple online accounts. We want to reassure you that our protections worked exactly as designed. The attempted activity was blocked, and your account remained secure. Because our safeguards were activated, some members received automatic text or email alerts. These notifications
- [Introducing the Liberty Plus Bundle: Earn More While You Spend and Save](https://rallycu.com/libertyplusbundleblog/) - We're thrilled to announce our new Liberty Plus Bundle! This account option combines high-yield checking and savings, designed to maximize your earnings and streamline your banking experience. What's Included: Liberty Plus Checking: A free, high-yield checking account2 with up to 40X1 the national average interest rate. With monthly qualifications, you'll also receive nationwide ATM fee
- [Share your Christmas Food Drive](https://rallycu.com/share-your-christmas-food-drive/) - Rally is proud to support the Coastal Bend Food Bank with KIII Share your Christmas Food Drive. The following branches in the Coastal Bend area are accepting donations this holiday season: Calallen Branch -3801 FM 1889Flour Bluff- 9552 S.P.I.D.Kingsville Branch- 2940 South BrahmaKostoryz Branch- 6202 KostoryzNorthwest Branch- 12129 Leopard Spohn Branch- 5725 Spohn Visit any
- [Digital Banking, Made Easy and Secure](https://rallycu.com/digital-banking-made-easy-and-secure/) - At Rally Credit Union, we’re proud to continuously adapt and innovate for our members. We understand not only the importance of having your financial information available at your fingertips but also making sure that your finances are secure. Since the debut of our first mobile app in 2010, we’ve remained committed to serving our
- [Overdraft Changes Effective 1/10/23](https://rallycu.com/overdraft-changes-effective-1-10-23/) - Rally offers Overdraft Privilege (Courtesy Pay) to checking account holders who maintain their accounts in good standing. Please click on the disclosures below to view the upcoming changes related to Courtesy Pay and your checking account. Member/Consumer Overdraft Protection Program Overview Disclosure Business Member Overdraft Protection Program Overview Disclosure For more information, please email info@rallycu.com.
- [Stay Safe While Shopping Online: Essential Tips for the Holiday Season](https://rallycu.com/stay-safe-while-shopping-online/) - Your Guide to Safe Online Shopping As the holiday season approaches, it’s crucial to stay vigilant while shopping online. Here are some essential tips to ensure your online shopping experience is safe and secure. Shop Through Trusted Sources When searching for deals online, consider how you’re finding them. Are you clicking on links in emails
- [The New Rally Website is Coming!](https://rallycu.com/the-new-rally-website-is-coming/) - Get ready for a refreshed design, expanded content and the same Rally service you know and love. On October 8, we’re proudly launching a new Rally website. While some things are changing, our trusted Rally service and spirit isn’t going anywhere. Here’s what to expect: No Changes to Your Accounts Your digital banking and account login
- [Skip-a-Pay Disclosure](https://rallycu.com/2630-2/) - Skip-A-Pay is a privilege extended to qualified members and is subject to Rally Credit Union (Rally) final approval. Rally reserves the right to terminate this offer if your financial status changes prior to the credit union approval. IMPORTANT INFORMATION ABOUT SKIP-A-PAY Finance charges will continue to accrue at the rate provided in your original loan
- [Stay Safe Online: Rally Credit Union's Guide to Cybersecurity Awareness Month](https://rallycu.com/cybersecurity-awareness-month/) - October marks Cybersecurity Awareness Month, a nationwide initiative launched in 2004 to promote the importance of staying secure in our increasingly digital world. Now in its 21st year, this effort continues to grow as the public and private sectors work together to spread cybersecurity awareness and encourage individuals to take proactive steps toward online safety.
- [Cyber-Smart Tips for Your Next Adventure ](https://rallycu.com/cyber-smart-tips-for-your-next-adventure/) - Traveling means connecting to unfamiliar networks and devices — which can bring risks. Before you pack your bags, let’s pack some digital wisdom for your journey! Why Cybersecurity Matters When You Travel From airport Wi-Fi to hotel smart TVs, as travelers we are constantly connecting to unfamiliar networks and using devices in public spaces. Although
- [Identifying Scams](https://rallycu.com/identifying-scams/) - Spotting scammers is not always easy – but being aware of common “tricks” can help: Phishing This one is very common (and effective)! Scammers use emails, phone calls or text messages to trick you into giving up information. They can be very convincing and can even appear to be calling or emailing from Rally Credit
- [Request for Documents](https://rallycu.com/request-for-documents/) - Pursuant to the Texas Administrative Code, Rule 91.315, members are entitled to review or receive a copy of the following credit union documents, upon request: Balance sheet and income statement; A summary of the most recent annual audit; Written board policy regarding access to the articles of incorporation, bylaws, rules, guidelines, board policies, and copies
- [Auto Loan Account Setup Guide](https://rallycu.com/auto-loan-account-setup-guide/) - Buckle Up for Better Banking You’re just a few steps from worry-free auto loan payments—and even more benefits that come with being an everyday Rally Credit Union account holder. Thanks for choosing Rally for your auto loan. Here’s a quick online banking account setup guide to help you get on your way, fast. Click here
- [Quicken](https://rallycu.com/quicken/) - UPDATE: A connection issue, impacting Quicken®, QuickBooks and Mint member access has been identified. We are diligently working with Quicken® and support staff to resolve this error. Thank you for your patience as we work to address this matter. As part of our system upgrade, you will need to modify your accounting program settings. Please
- [COVID-19 Loan Assistance](https://rallycu.com/covid-19-loan-assistance/) - If you need to request Skip-A-Pay on your loan, please see instructions below. AUTO LOANS | PERSONAL LOANS | RECREATIONAL VEHICLE (RV) LOANS The easiest way to activate your Skip-A-Pay is to log in to your Online Banking and follow the prompts. Click here to log in. If you do not have Online Banking, it
- [NavyArmy Community Credit Union Unveils New Name](https://rallycu.com/navyarmy-community-credit-union-unveils-new-name/) - The 67-year-old credit union is ready to Rally. NavyArmy Community Credit Union, an organization that serves over 215,000 members in South Texas and the Rio Grande Valley, officially announces its new name today: Rally Credit Union (RCU). “We’re excited to finally reveal the name publicly,” said Gerry Morrow, President/CEO of NavyArmy. “It’s been a long
- [Home Loan Payment Assistance](https://rallycu.com/homeloanpaymentassistance/) - Understanding the Home Loan Payment Relief Process NavyArmy is committed to helping home loan members experiencing financial hardships. Currently many of our members are experiencing financial difficulties from the impact of COVID-19. We’re here to help! Please watch this informative video for a brief overview of payment assistance options. What is the process? Step 1:
- [2022 Annual Report](https://rallycu.com/2022-annual-report/) - 2021 was another growth year for Rally Credit Union. Find the Financial Report and messages from board and staff in the 2022 Annual Report. 2022 Annual Report Please visit the media center for brochures and newsletters.
- [Member Service Contact Center Enhancements](https://rallycu.com/smartapp/) - At Rally, we are always looking to provide exceptional member experiences. One important way we do this is by reducing the time and effort our members spend when contacting our member service contact center. We have been diligently working to streamline our authentication process and provide new service options to meet members where they’re at.
- [Important Notice Regarding Interest-Bearing Accounts:](https://rallycu.com/important-notice-regarding-interest-bearing-accounts/) - Effective October 1, 2018, the method for calculating interest on Savings, Money Market and Liberty Checking accounts will change. Currently, interest is calculated based on the "Average Daily Balance;" beginning October 1, 2018, interest will be calculated based on the "Daily Balance." Furthermore, the deposit date* will change for Savings and Money Market accounts from
- [Lobby Reopening](https://rallycu.com/lobby-reopening/) - Effective immediately all guests and members will be required to wear a face mask when visiting a branch. We are open at limited occupancy and ask that only one additional guest be present during your visit. Please continue to utilize our remote services whenever possible. Branch hours and availability of operation may change at any
- [McColl Branch Update](https://rallycu.com/mccoll-branch/) - At Rally Credit Union, we believe in transparency and keeping you informed about any changes that might impact your experience with us. Today, we have some exciting news to share regarding our McColl branch. Changes to McColl Branch Lobby Services Effective Saturday, January 20, 2024, we'll be adjusting the operating hours of the McColl branch.
- [Annual Audit Notice](https://rallycu.com/annual-audit-notice/) - Rally Credit Union is committed to transparency and accountability in our operations. To ensure the integrity of our financial practices, we have engaged Clifton Larson Allen, LLP Certified Public Accountants for our annual audit. As part of this process, auditors will randomly select a sample of members' share and loan accounts for verification. If your
- [New Liberty Account Tracker Feature Now Available!](https://rallycu.com/new-liberty-account-tracker-feature-now-available/) - Exciting news for Liberty Account holders! We've added a new Liberty Account Tracker to help you stay on top of your finances. Find it in the Services drop-down menu. View current and prior month POS and ACH transactions. Track multiple Liberty Checking Accounts if you have more than one. Enjoy hourly updates. Easily see your
- [Fraud Alert: Beware of Spoofing Scams](https://rallycu.com/fraud-alert-beware-of-spoofing-scams/) - We want to keep you informed about a scam affecting some of our members. Fraudsters are spoofing Rally Credit Union’s phone numbers (361 and 800) to make calls appear as if they are coming from us. These scammers may: Pose as “NavyArmy OR Rally Fraud Department” and claim your debit card has been compromised. Pretend
- [Smart Card Notice](https://rallycu.com/smart-card-notice/) - Rally introduces Smart Card, a new service that allows you to control when, where, and how your debit card is used—and create transaction alerts. To access Smart Card: Log in to Digital Banking through the Rally mobile banking app. Select Menu, then Smart Card. Upon first-time selection, you’ll be prompted to download the Rally CU
- [NavyArmy Community Credit Union Assumes County & Municipal Employees Credit Union Accounts](https://rallycu.com/navyarmy-community-credit-union-assumes-county-municipal-employees-credit-union-accounts/) - Edinburg, Texas (10/10/14)—Navy Army Community Credit Union (NavyArmy) has assumed accounts from the recently liquidated County & Municipal Employees Credit Union (CMECU) of Edinburg, Texas. Earlier today, the Texas Credit Union Department liquidated CMECU and named the National Credit Union Administration as liquidating agent. NavyArmy immediately assumed CMECU’s members, assets, and shares. “NavyArmy is happy
- [NavyArmy Board Announces New Officers For 2015](https://rallycu.com/navyarmy-board-announces-new-officers-for-2015/) - Corpus Christi, Texas (2/20/15) - NavyArmy Community Credit Union’s board of directors has elected new officers for 2015. Eloy Salazar will serve as Chairman; Sylvia Martinez – First Vice Chairman; Pete Rivera – Treasurer; and John Jackson – Secretary. Combined, the officers have over 63 years of tenure on the NavyArmy board. “We are very
- [International Credit Union Day Celebrates People Helping People](https://rallycu.com/international-credit-union-day-celebrates-people-helping-people/) - International Credit Union Day Celebrates People Helping People On October 15, 2015, credit unions around the world will celebrate International Credit Union Day (ICU Day). Since 1948, on the third Thursday of every October, credit unions have celebrated a simple but radical idea—that by working together, people can improve their financial well-being. “People helping people,”
- [IMPORTANT NOTICE: NEW BYLAW WILL ALLOW MEMBERS TO PETITION FOR NOMINATION TO SERVE ON THE NAVYARMY BOARD OF DIRECTORS](https://rallycu.com/important-notice-new-bylaw-will-allow-members-to-petition-for-nomination-to-serve-on-the-navyarmy-board-of-directors/) - IMPORTANT NOTICE: NEW BYLAW WILL ALLOW MEMBERS TO PETITION FOR NOMINATION TO SERVE ON THE NAVYARMY BOARD OF DIRECTORS Nomination and election of members to serve on the Board of Directors (Board) is governed by the credit union’s Bylaws and Policies & Procedures. The Board Chair selects a Nominating Committee which then proposes individuals for
- [New Check Security Enhancements](https://rallycu.com/new-check-security-enhancements/) - As of January 2016 our checks will have a few changes and some additional security features. Members account information will now be printed on the back of your checks. The MICR line information, check number and the first line of personalization are printed on both sides of the check. This will provide visual verification that
- [Navy Army Community Credit Union proudly supports the RGV Food Bank](https://rallycu.com/navy-army-community-credit-union-proudly-supports-the-rgv-food-bank/) - On behalf of the 20,000+ RGV members, Navy Army Community Credit Union proudly supports the RGV Food Bank in its mission to “improve lives through food assistance, nutrition education, and access to community services." NavyArmy is dedicated to serving the communities where our members live and work. We view our community relations not as extracurricular,
- [VOTE NOVEMBER 7, 2017 FOR PROP 2 & 7](https://rallycu.com/vote-november-7-for-prop-2-7/) - Why do you need to vote for Prop 2 and Prop 7? Proposition 2 will improve access to home equity loans for borrowers while still maintaining protections for homeowners. Borrowers with home equity loans will be able to refinance them as conventional loans, offering more options and potentially more favorable rates. Home equity lines of
- [Caller ID Spoofing Scams](https://rallycu.com/caller-id-spoofing-scams/) - One of the latest scam techniques involves “spoofing” a phone number, meaning that when they call you, it appears that they are calling from a legitimate number. These scammers will appear to be calling from NavyArmy Community Credit Union, leading you to believe the call is genuine and that they are a representative from NavyArmy.
- [The Quarterly](https://rallycu.com/the-quarterly/) - NavyArmy's Fall Quartely Newsletter is here! Inside This Issue Auto Rate Sale! NAVYARMY IS THE #1 AUTO LENDER IN SOUTH TEXAS - And this month, our rates are even lower. Get into that new or used car or truck, and drive away with low payments and that new car smell. ATM Safety Tips Bank-By-Phone Skip-A-Pay
- [Home Loan Team sets record high](https://rallycu.com/home-loan-team-sets-record-high/) - NavyArmy Home Lending lends record $326 million in home loans Uncertainty and unpredictable staffing brought on by COVID-19 did not stop NavyArmy Home Lending from shattering their single year loan volume record. NavyArmy extended $326 million in home loans in 2020, an astonishing $53 million improvement from their previous high-water mark. NavyArmy received 7,370 home
- [Branch](https://rallycu.com/branch/)
- [Equifax® Data Breach](https://rallycu.com/equifax-breach/) - Equifax®, one of the three major consumer reporting agencies, recently announced a breach impacting an estimated 143 million U.S. consumers. The information accessed includes names, Social Security numbers, birth dates, addresses and, in some cases drivers’ license numbers. Credit card numbers for approximately 209,000 U.S. consumers were also accessed. Details Equifax® reported a breach impacting
- [Home Loan Information and Payments](https://rallycu.com/home-loan-service-center/) - We have recently enhanced our Home Loan Processing. You may now make payments and view more detailed information about your Home Loan when you log into our Home Loan Service Center. To access the site, you will be asked to enter your updated 10-digit account number. If you do not know your updated 10-digit account
- [NavyArmy Announces New Directors to the Board](https://rallycu.com/navyarmy-announces-new-directors-to-the-board/) - Corpus Christi, Texas (2/28/17) – At the Annual Meeting on Tuesday, February 14, 2017, Navy Army Community Credit Union members elected four new Directors to serve a three-year term on the Board. These individuals are John Chapman, Theresa "Tess" Gonzales, Thelma Garza Mandel, and Robert "Bob" Westrup. "We welcome these four individuals to serve our
- [Advance Child Tax Credit Payments Begin July 15th](https://rallycu.com/advance-child-tax-credit-payments-begin-july-15th/)
- [Audit Log post test](https://rallycu.com/audit-log-post-test/) - this is a post to test if the plugin activity log will catch this new addition to the site. _x000D_ The quick brown fox.
- [NavyArmy Community Credit Union Announces Name Change](https://rallycu.com/navyarmy-community-credit-union-announces-name-change/) - The 67-year-old credit union is updating its name to better represent and serve its South Texas membership base. NavyArmy Community Credit Union, one of the fastest growing credit unions in Texas, announced today that it is changing its name. The new name will be rolled out publicly in February 2023. “When NavyArmy started in 1955,
- [Annual Meeting](https://rallycu.com/annual-meeting/) - [vc_row][vc_column][vc_column_text] NavyArmy Community Credit Union held its 65th Annual Meeting on Tuesday, February 9, 2021, at the Valencia Event Center in Corpus Christi, Texas. In accordance with CDC guidelines to prevent the spread of coronavirus, attendance was limited to 250 people and masks were required. [/vc_column_text][/vc_column][/vc_row] [vc_row][vc_column][vc_column_text] Watch Meeting View the full Annual Meeting recording
- [Kostoryz Branch NOW OPEN](https://rallycu.com/kostoryz-branch-now-open/) - Our Newest Branch is NOW OPEN! Stop by today! 6202 Kostoryz - near Saratoga Blvd. [su_slider source="media: 5236,5235,5234,5233,5232,5231" width="620" height="400" title="no" pages="no" mousewheel="no" autoplay="7200" speed="1200"]
- [Protect Your Identity](https://rallycu.com/protect-your-identity/) - What You Can Do to Protect Yourself? Did you recently receive a text message fraud alert from Rally? The text alert would be sent by our Fraud Center and would come from the number 37268. This is a legitimate text. Why did I receive a fraud alert from a merchant named Stripe? Stripe is a
- [Safeguard Your Card](https://rallycu.com/safeguard-your-card/) - Simple steps to better protect your account Nobody wants to be a victim of fraud, but recent scams show that criminals are getting smarter and more creative with fooling people into sharing private information. Below are a few ways to stay ahead of fraudulent activity and safeguard your bank account. Update Your Contact Information Keep
- [Loan Payment Update](https://rallycu.com/loan-payment-update/) - We are excited to announce that we have updated our loan payment system. Enroll Today When you enroll, you have several convenient payment options to choose from. You can: Make your payment from a checking account at nearly any financial institution Store multiple accounts to make payments from, view payment history, schedule multiple loan payments,
- [Send and receive money with Zelle®](https://rallycu.com/zelle/) - We have partnered with Zelle® to bring you a fast, safe and easy way to send and receive money with friends, family and other people you trust. Zelle® is available right from online and mobile banking so you don’t need to download anything new to start sending and receiving money! How to start using Zelle®
- [New Changes to ACH Payments](https://rallycu.com/new-changes-to-ach-payments/) - Same Day ACH (Automated Clearing House) Automated Payments now have the ability to post to your account earlier than you're used to. Over half of Rally members have authorized outside companies or financial institutions to deduct payments for their regular bills directly from their Rally checking account. Due to a recent processing change made available
- [Stop the Data Breaches. You Can Help.](https://rallycu.com/stop-the-data-breaches-you-can-help-2/) - A data breach is when sensitive, protected or confidential data has potentially been viewed, stolen or used by an individual unauthorized to do so. Data Security Breaches On the Rise Although you have probably only heard about a few breaches, over 500 data security breaches have occurred in 2014 exposing over 75 million data records1.
- [Fraud Alerts](https://rallycu.com/fraud-alerts/) - Always Protect Your Personal Account Information Scammers may pose as a NavyArmy Community Credit Union fraud team employee and call from "spoofed" NavyArmy phone numbers to gain access to your personal information. While we may call you from time to time to enhance your membership, for security reasons, we will NEVER ask for your full
- [Inclement Weather Information](https://rallycu.com/inclement-weather-information/) - Inclement Weather Branch Closings and Updates Due to the recent inclement weather, we may need to temporarily close branches or delay opening due to power outages. In that event we will update this page, please check back for up-to-date information before visiting. We apologize for any inconvenience and encourage members to review our hurricane preparedness
- [COVID-19 Information](https://rallycu.com/covid-19-updates/) - Update: COVID-19 Response Your wellness is our WHY! With the growing concern surrounding Coronavirus (COVID-19) across our communities, we are taking necessary precautions to support the wellness of our staff and you, our member. Here's How: 1. Our branches are open for business. We have executed preventive measures to mitigate the spread of germs under
- [Careers Start Here](https://rallycu.com/careers-start-here/) - [su_row] [su_column size="1/3"] [/su_column] [su_column size="2/3"] Are you ready to join a growing team? At NavyArmy, our family of employees is a diverse team committed to better serving our members and our community. Equal Opportunity Employer. Apply Today! [su_button url="https://navyarmyccu1.wpengine.com/about/working-at-navyarmy/" style="flat" background="#00467f"]Careers[/su_button] [/su_column] [/su_row]
- [Rev Up for a Rally Auto Loan: Essential Steps to Get Behind the Wheel](https://rallycu.com/behindthewheel/) - At Rally Credit Union, we believe that achieving your dream of owning a car should be a smooth and exciting journey. That's why we're here to help you hit the accelerator on the process and get you THIS CLOSE to a Rally auto loan! Before you take the wheel, make sure you have these five
- [Backpacks, Books, and Budgets: Navigating Back-to-School Spending](https://rallycu.com/backtoschool/) - Are you feeling the pressure of back-to-school expenses? Don't worry; Rally Credit Union is here to lend a helping hand! We understand that preparing for the new school year can be overwhelming, but with a little planning and some clever tips, you can make this season more manageable and cost-effective. Let's dive into some smart
- [New Chat Features to Enhance Member Experience Now Available!](https://rallycu.com/chatsupport/) - Getting help with your Rally account is now much easier with our NEW chat enhancements! Enjoy the convenience of live communication tools that will transform your remote banking experience. Here is how it works: Find our widget on the bottom right side of the screen on our website, Online Banking, Loan, and New Account application
- [Travel Tips for a Safer (and Happier) Holiday Season](https://rallycu.com/travel-tips-for-a-safer-and-happier-holiday-season/) - Travel Tips for a Safer (and Happier) Holiday Season Notify Us of Travel: If you plan to travel out of town or country, call us at 1-800-622-3631 to let us know. We monitor accounts for fraudulent activity and may suspend an account if we suspect criminal activity. Leave Non-Essential Cards at Home: Avoid carrying cards
- [Flex Your Finances with Extended Auto Terms](https://rallycu.com/flex-your-finances/) - At Rally Credit Union, we believe in empowering our members to achieve their financial goals with flexibility and affordability. In line with our commitment to providing innovative solutions, we're excited to introduce our new 84-month auto loan term, designed to offer you a positive and feasible way to finance your dream vehicle. Understanding Loan Terms
- [Bravo Takes Flight](https://rallycu.com/bravo-takes-flight/) - Meet Rally Credit Union's First Mascot Get ready to soar with pride as we introduce Bravo, the newest member of the Rally family! Bravo, a friendly and confident eagle, embodies the bravery, fierceness, and pride that Rally Credit Union stands for. Inspired by our nation's patriotic symbol, Bravo is here to bring smiles and cheer
- [Empowering South Texas Dreams, Building Local Prosperity](https://rallycu.com/empowering-south-texas/) - At Rally Credit Union, our “Improve Lives, Drive Possibilities” philosophy is more than a tagline; it's a commitment to the financial well-being of our South Texas communities. As the largest credit union in the region, we take pride in understanding the unique needs of our neighbors and providing personalized services that truly make a difference.
- [Rally Credit Union Named Best in Class Employer](https://rallycu.com/rally-credit-union-named-best-in-class-employer/) - Rally Credit Union Recognized as U.S. Best-in-Class Employer by Gallagher Gallagher’s Best-in-Class Benchmarking Analysis Identifies U.S. Organizations That Excel in Optimizing Employee and Organizational Wellbeing Rally Credit Union participated in Gallagher’s 2023 U.S. Benefits Strategy & Benchmarking Survey and was identified as an organization that excelled in implementing successful strategies for managing people and programs.
- [Unlock the Door to Homeownership with Rally Credit Union](https://rallycu.com/unlock-the-door-to-homeownership/) - Discover how Rally can help you achieve your dream of homeownership and build a brighter financial future. Considering buying your first home? Let's dive deeper into the advantages: Investment and Equity: When you buy a home, you're not just paying rent; you're investing in your future. With each mortgage payment, you're building equity in your
- [Tips for a Successful Home Purchase](https://rallycu.com/tips-for-a-successful-home-purchase/) - Dreaming of owning your own home? Here are some crucial tips to guide you through the process: Assess Your Financial Readiness: Before diving into the home buying process, it's essential to assess your financial situation thoroughly. Start by reviewing your finances, including your income, savings, and existing debts. Additionally, check your credit score, as it
- [Mastering the Art of Home Buying](https://rallycu.com/mastering-the-art-of-home-buying/) - Ready to make your homeownership dreams a reality? Here are more essential tips to guide you through the final stages of the home buying process: Attend Open Houses and Home Inspections: Take advantage of open houses and schedule thorough home inspections to assess the property's condition. Open houses allow you to explore the layout and
- [Unlock Your Path to Homeownership](https://rallycu.com/unlock-your-path-to-homeownership/) - Key Tips to Navigate with Confidence As you embark on the journey towards homeownership, it’s essential to navigate the process with confidence and preparedness. While there are many positive steps you can take to secure your dream home, it’s equally important to be aware of potential pitfalls that could hinder your progress. Here are five
- [Protect Your Small Business](https://rallycu.com/protect-your-small-business/) - Tips to Safeguard Against Financial Fraud In today’s digitally connected landscape, safeguarding your small business against financial fraud is paramount. At Rally Credit Union, we understand the importance of protecting your hard-earned assets. Here are some insights into common financial scams affecting businesses and practical steps to prevent them: ACH Fraud What is ACH fraud?
- [Exciting New Partnership Expands Membership Opportunities](https://rallycu.com/texas-consumer-council/) - We are excited to announce our partnership with the Texas Consumer Council (TXCC) that expands eligibility for new Rally members—and brings added value to the members we have today. What This FREE Partnership Means for You At Rally, a strong member base makes a strong credit union. This partnership makes it possible for additional members
- [Rally Credit Union Named One of the Best Credit Unions in Texas by Business Insider](https://rallycu.com/2024business-insider/) - We are thrilled to announce that Rally Credit Union has been recognized by Business Insider as one of the best credit unions in Texas for 2024. This prestigious honor underscores our unwavering commitment to providing exceptional member service and financial solutions that improve lives and drive possibilities for our over 200,000 members across South Texas
- [Disaster Relief and Loss Claim Information](https://rallycu.com/disaster-relief-and-loss-claim-information/) - Damage to Your Home? Have questions about what to do next? We understand this is a difficult time for you and would like to take this opportunity to explain the disposition of funds and procedures utilized to complete the repairs to your home. As the servicer of your loan, we are the named mortgagee on
- [Explore VA Loans with Rally](https://rallycu.com/vahomeloans/) - For those who’ve served our country, homeownership should be an attainable and rewarding experience. Rally Credit Union is committed to supporting our veterans, active-duty service members, and their families by providing access to VA loans designed with your unique needs in mind. What is a VA Loan? A VA loan is a mortgage option available
- [Protect Your Personal Information](https://rallycu.com/protect-your-personal-information/) - Important Steps to Take Following Recent Data Breach At Rally Credit Union, your security is our top priority. We want to keep you informed about a recent data breach at National Public Data, which may have exposed Social Security numbers and other sensitive personal information. While this breach has raised concerns, we are here to
- [Protect Yourself from the Imposter Scam](https://rallycu.com/protect-yourself-from-the-imposter-scam/) - Rally Credit Union has received reports of residents affected by an “Imposter Scam” circulating throughout South Texas. Members report being contacted via text, email, or phone call by “imposters” (persons identified as law enforcement agents from the FBI, Federal Trade Commission, Microsoft, and other agencies). Victims are then instructed to withdraw cash funds from their
- [Now Open in Harlingen!](https://rallycu.com/harlingen-texas/) - Rally Credit Union is excited to announce the opening of its newest branch in Harlingen, Texas, further expanding our presence in the Rio Grande Valley, a community we have proudly served since 2012. The Harlingen branch, located at 202 Camelot Dr., opened on September 10th and provides full-service banking along with state-of-the-art financial technology. Members
- [A Fresh Look is Coming to Your Online Banking!](https://rallycu.com/a-fresh-look-is-coming-to-your-online-banking/) - Starting Wednesday, October 9th, at 9:00 AM, your online banking experience is about to get even better! We’ve listened to your feedback and are excited to announce an enhanced homepage layout that brings improved functionality, security, and convenience. Whether you're checking balances, tracking spending, or managing your accounts, this update will make it easier than
- [Easy Tips for Season's Savings](https://rallycu.com/easy-tips-for-seasons-savings/) - The holidays are on their way, and that means it’s the perfect time to discover new strategies to avoid overspending. Rally has you covered. Check out these handy tips for navigating wallet-friendly gift-giving, get-togethers and more. Agree on a gift budget Whether you’re worried about over or under-spending – most everyone stresses about how much
- [FHA Loans: A Flexible Path to Homeownership](https://rallycu.com/fha-loans/) - Owning a home is one of life’s biggest milestones, and at Rally Credit Union, we’re making that journey easier with FHA loans. Whether you’re a first-time buyer or looking for a more accessible financing option, an FHA loan can help you get the keys to your dream home—with less stress and more savings. Why Choose
- [Rally Credit Union Partners with Land Gorilla to Enhance Home Construction Experience](https://rallycu.com/landgorilla/) - Rally Credit Union is proud to announce a new partnership with Land Gorilla, a leader in construction loan management software. This collaboration supports our mission to improve lives and drive possibilities by providing members and our builder partners with a better way to finance and manage home construction. Through this partnership, Rally is leveraging Land
- [Get Ready for Smart Card Enhancements – Now Available!](https://rallycu.com/smartcardupgrade/) - A better card experience is at your fingertips! We are excited to announce that soon you will have greater control over your debit cards, allowing you to set limits, receive transaction alerts, track your spending, and more! Our upgraded Smart Card* experience puts more control, convenience and safety in your hands. From instant card activations
- [Estate Planning with Trust & Will](https://rallycu.com/estate-planning-with-trust-will/) - Secure your family’s future with an estate plan. Get 20% off an estate plan We partnered with Trust & Will to provide members with an easy and affordable way to create an estate plan online. Trust & Will is the leader in online estate planning and has helped over half a million families secure their
- [Debit Card Security](https://rallycu.com/debit-card-security/) - Debit cards offer convenience and ease of access to your funds, but they also come with potential risks if not properly safeguarded. This section is dedicated to providing you with essential tips and best practices to protect your debit card from fraud and unauthorized use. By following these guidelines, you can enjoy the benefits of
- [Identity Theft](https://rallycu.com/identity-theft/) - Identity theft is a serious crime where someone unlawfully obtains and uses your personal information, such as your Social Security number, credit card details, or bank account information, to commit fraud or other crimes. This can lead to significant financial loss, damage to your credit score, and a lengthy process to restore your identity. We
- [Protect Your Personal Information](https://rallycu.com/protect-your-personal-information-2/) - Understanding and Preventing Identity Theft Identity theft is a serious crime that can have long-lasting effects on your financial health and personal well-being. At Rally Credit Union, we want to ensure our members are well-informed and protected. Here’s a comprehensive guide to understanding and preventing identity theft, along with steps to take if you become
- [Rebuilding Your Finances After a Natural Disaster](https://rallycu.com/rebuilding-after-a-disaster/) - When disaster strikes, peace of mind often takes the biggest hit. In the aftermath, you may be grappling with more than just physical damage—you’re also facing the emotional toll of uncertainty, disrupted routines, and financial strain. It’s not just about what was lost, but how to regain a sense of control and rebuild your foundation,
- [National Financial Awareness Day](https://rallycu.com/national-financial-awareness-day/) - August 14 is National Financial Awareness Day – a perfect occasion to assess and improve your financial health. Why Financial Awareness Matters Financial independence brings peace of mind and freedom from the burdens of debt. It enables a secure retirement and the ability to enjoy life without financial stress. National Financial Awareness Day is a
- [Safeguard Your Finances](https://rallycu.com/safeguard-your-finances/) - In our digitally connected world, protecting your financial information is crucial. While enjoying the convenience of online transactions, it's essential to stay vigilant against evolving scams. One prevalent threat is spoofing, where scammers deceive individuals and organizations through various channels. To shield yourself from spoofing, be cautious and verify any communication, especially those requesting sensitive
- [Secure Your Finances This Fall](https://rallycu.com/backtoschool-2/) - Essential Back-to-School Budgeting Tips Back-to-school season can be financially challenging, whether your students are in elementary school, college, or anywhere in between. It’s crucial to budget carefully to manage these expenses effectively and give your students the best start to their academic year. Here’s how you can achieve that: Importance of Budgeting Budgeting isn’t about
- [Security Alert: Steps to Prevent Imposter and Phone Spoofing Scams](https://rallycu.com/security-alert-steps-to-prevent-imposter-and-phone-spoofing-scams/) - At Rally Credit Union, your security is our top priority. We want to keep you informed about recent scams affecting some of our members. Fraudsters are using techniques like phone spoofing and imposter scams to deceive and steal sensitive information. Spoofing Scams Fraudsters are spoofing Rally Credit Union’s phone numbers (361 and 800) to make
- [Shellshock Update](https://rallycu.com/shellshock-update/) - Shellshock Update Bash bug discovered mid-day Thursday Shellshock is the new “Bash bug” that poses a threat to all non-Windows Internet-connected devices (computers, smart phones, tablets, smart homes, etc.). Compared with its predecessor, “Heartbleed,” Shellshock received a 10 out of 10 rating for severity. However, there’s no need to panic, as the complexity level rating
- [Three Automatic Ways to Create Healthy Financial Habits](https://rallycu.com/three-automatic-ways-to-create-healthy-financial-habits/) - It can be tough to stick to healthy financial habits, especially the ones that relate to long-term goals. The great news is that we can make some relatively small changes that “nudge” us along in the direction of financial wellness. In behavioral economics, the study of how people make choices, small changes that alter our
- [How to Recover from a Financial Setback](https://rallycu.com/how-to-recover-from-a-financial-setback/) - The financial trajectory in our life is full of ups and downs. As the saying goes, “That’s life.” We are all going to experience times when we feel like the wind is at our back, and other times when we feel like our financial world is caving in on us. If you find yourself in
- [3 Tips for Sticking to Your Budget](https://rallycu.com/3-tips-for-sticking-to-your-budget/) - Now is a great time to make sure you are on track to meet your short- and long-term financial goals. Here are three tips to keep your spending in check: 1. Don’t transfer money from your savings account to your checking account unless it’s an emergency. If you find yourself doing this often, consider having
- [“Two-Dos” for Financial Health](https://rallycu.com/two-dos-for-financial-health/) - How exactly do you get your finances where you want them? Everyone’s situations and goals are a little bit different, but these two financial health to-dos are a great place to start. #1 CHECK UP ON YOUR CREDIT REPORT A great credit score makes it easier to get credit and can make you eligible for
- [Home Loan Experts](https://rallycu.com/homeloanexperts/) - Whether you are a first time home buyer or buying your vacation home, our Home Loan Experts are here to help you through the home buying process. Call or visit a branch near you to find out how we can help you get into your dream home today! Find Your Loan Expert Let an expert
- [New Year, New Money Habits](https://rallycu.com/new-year-new-money-habits/) - Small Changes for Improving Your Financial Health in the New Year The New Year is a time for new beginnings and an opportunity to look at our everyday habits – particularly our money habits as we manage any financial challenges. A habit is a routine behavior that is repeated regularly and occurs without much conscious
- [Online Banking Financial Management Tools: Your Dashboard for Success!](https://rallycu.com/online-banking-financial-management-tools-your-dashboard-for-success/) - When you open an account with our credit union, you can enroll in Online Banking and get access to a suite of financial management tools to help you plan, budget, and grow your wealth. Our tool is a dashboard that gives you a snapshot of all your finances at a glance. You’ll be able to
- [Looking for an app that allows you to get paid early? Our credit union does that!](https://rallycu.com/looking-for-an-app-that-allows-you-to-get-paid-early-our-credit-union-does-that/) - In today’s uncertain and ever-changing economy, it’s never been more vital to get your paycheck before your actual payday. If you’re searching online for an app to help you get your paycheck sooner, you may be surprised to know that with the right financial institution, you may not need one at all. That’s where we
- [New Year, New Money Habits](https://rallycu.com/new-year-new-money-habits-2/) - Small Changes for Improving Your Financial Health in the New Year The New Year is a time for new beginnings and an opportunity to look at our everyday habits—particularly our money habits—as we manage any financial challenges. A habit is a routine behavior that is repeated regularly and occurs without much conscious thought, like brushing
- [Build Your Dream Home](https://rallycu.com/onetimeconstruction/) - One-Time Close Construction Program We Can Help You Build Your Dream Home: If you’ve been comparing construction loans to build your new home, you know there’s a lot of information out there—and all the choices can become overwhelming. But it doesn’t have to be. At Rally Credit Union, our goal is to make finding the
- [Room to Improve](https://rallycu.com/homeimprovementloans/) - Looking to make some home enhancements? Finally ready for an inground pool? Or maybe it’s time for a master bathroom makeover. Whatever the update, Rally Credit Union has a fast and easy home improvement loan for you! The Right Loan for Home Improvement: As we invest in our homes over time, we increase their personal
- [Spring into Home Buying!](https://rallycu.com/springintohomebuying/) - Spring is traditionally a busy season in the real estate market, with more homes available than any other time of year. That means you have more options. Beginning your home search can sometimes seem overwhelming. The neighborhood, schools, taxes, and HOA fees are just some of the things that need to be considered. This is
- [Should I Refinance My Home?](https://rallycu.com/should-i-refinance/) - At Rally, we know that the Home Loan process can seem intimidating, so we would like to uncomplicate things and provide answers to some questions you might have. Whether you’re buying a home, looking to refinance your current home, or ready to tackle that remodel—but don’t know where to start—we are here to help you
- [0% Auto Loan Might Not Be the Best Deal](https://rallycu.com/0-auto-loan-might-not-be-the-best-deal/) - Provided By NerdWallet In seeking the best deal on your next car, you might've stumbled upon advertisements or offers to get a 0% interest auto loan. As great as this sounds, you may not save as much as you expect with this type of incentive. Since auto loans can come through either a dealer or
- [Secure Your Future: A Guide to Retirement Planning](https://rallycu.com/secure-your-future-a-guide-to-retirement-planning/) - Whether you're just starting your career or are nearing retirement age, it's crucial to have a well-thought-out retirement plan in place. In this blog post, we'll explore the key steps to take and the resources available to help you navigate this important journey. Assessing Your Retirement Needs: Before embarking on your retirement planning journey, it's
- [Buying vs. Renting: Making the Right Choice for Your Home](https://rallycu.com/buying-vs-renting-making-the-right-choice-for-your-home/) - As the dream of owning a home becomes a reality for many individuals and families, it's important to weigh the pros and cons of buying versus renting. While both options have their merits, understanding the advantages and considerations can help you make an informed decision that aligns with your financial goals and lifestyle. In this
- [Financial Wisdom Goes Viral](https://rallycu.com/financial-wisdom-goes-viral/) - Young adults are increasingly turning to social media platforms for financial advice, as highlighted in a Forbes article titled "Why Young Adults Are Seeking Financial Advice on Social Media" by John Egan. Social media has revolutionized how we connect, learn, and share financial information. It has become a prominent hub for accessible and relatable financial
- [Take Control of Your Paycheck: The Power of Early Pay Day](https://rallycu.com/earlypayday/) - Do you ever find yourself eagerly waiting for payday to arrive? Rally Credit Union understands the anticipation, and that's why we're excited to introduce Early Pay Day—a convenient feature that allows you to access your paycheck up to three days* sooner than your expected payday! With Early Pay Day, you can enjoy the freedom of
- [Start Saving for the Holidays!](https://rallycu.com/start-saving-for-the-holidays/) - The holiday season is a joyful time filled with celebrations, family gatherings, and gift exchanges. However, the financial strain that often accompanies these festivities can put a damper on the merriment. At Rally Credit Union, we believe in empowering our members to enjoy the holidays without worrying about their finances. That's why we encourage you
- [Championing Cyber Safety](https://rallycu.com/championing-cyber-safety/) - We live in a rapidly evolving world driven by technology, and safeguarding our cyber data, especially when it comes to finances, is crucial. National Computer Security Day reminds us to remain vigilant and proactive in securing our digital information. Rest assured—it’s not all scary. By being a Rally member, you are automatically reinforced with multiple
- [A New Start](https://rallycu.com/a-new-start/) - Secure Your Financial Resolutions in 2024 with Rally Credit Union! The holidays are behind us, and as we embark on the journey of a new year, Rally Credit Union is shining the security spotlight on your financial well-being. In 2024, we're focusing on security to help you achieve your goals with confidence. A Secure Start
- [Secure Your Identity](https://rallycu.com/secure-your-identity/) - Securing Your Financial Journey with Rally Credit Union In a world buzzing with digital transactions, safeguarding your financial identity is paramount. At Rally Credit Union, we're committed to empowering our members with the tools they need to navigate the digital landscape securely. Password Safety: Create a fortress for your accounts with robust, unique passwords. Avoid
- [Sunny Days Ahead: Kickstart Your Summer Savings Journey!](https://rallycu.com/vacationday/) - Guess what day it is? It's National Plan a Vacation Day, and we're here to help you make those summer dreams a reality! Planning ahead not only ensures stress-free days in the sun but also helps you save smartly towards your goals. Imagine sipping on a refreshing drink by the beach without worrying about breaking
- [Ensuring Secure Digital Payments](https://rallycu.com/ensuring-secure-digital-payments/) - Your personal info deserves a fortress, not a target. Let's dive deeper into how we're putting the spotlight on mail theft and helping you lock down your sensitive data with these smart moves: Checkmate with USPS Blue Collection Box: When it comes to mailing checks, play it safe with Rally Credit Union! Utilize USPS Blue
- [Safeguarding Against Mail Theft](https://rallycu.com/safeguarding-against-mail-theft/) - Your personal info deserves a fortress, not a target. Let's dive deeper into how we're putting the spotlight on mail theft and helping you lock down your sensitive data with these smart moves: Checkmate with USPS Blue Collection Box: When it comes to mailing checks, play it safe with Rally Credit Union! Utilize USPS Blue
- [Navigating the Digital Landscape](https://rallycu.com/navigating-the-digital-landscape/) - A Guide to Online Safety In today's interconnected world, our digital presence is more important than ever. However, with the rise of online scams, it's crucial to safeguard our digital fortress. Let's delve into some key strategies to ensure a secure online experience. 1. Be Wary of Unknown Links and Attachments One of the primary
- [Red Flags to Watch For](https://rallycu.com/red-flags-to-watch-for/) - Safeguarding Your Finances Against Scams At Rally Credit Union, your financial well-being is our utmost priority. In our ongoing commitment to keeping you informed and secure, let's delve deeper into each red flag mentioned in our Security Spotlight. Urgency Alert: Take a Pause Feeling a sudden sense of urgency to act? This could be a
- [Guard Your Finances](https://rallycu.com/guard-your-finances/) - Defend Against Impersonation Scams In an era where digital communication is rampant, impersonation scams—also known as spoofing—have become more sophisticated, with fraudsters adept at posing as trusted entities, including businesses like Rally Credit Union. To fortify your defenses, let's delve into comprehensive precautions: Verify Requests: The First Line of Defense Fraudsters often target personal information,
- [Defend Your Dollars](https://rallycu.com/defend-your-dollars/) - Navigating the Dangers of Skimming and Shimming In an age where convenience is king, we often overlook the lurking threats that could compromise our financial security. Skimming and shimming are two such risks that every member of Rally Credit Union should be aware of. These techniques, employed by fraudsters, aim to steal your card information
- [Stay Secure on Your Summer Travels](https://rallycu.com/stay-secure-on-your-summer-travels/) - Ah, summer – the time for vacations and adventure! As you gear up for your summer travels, ensuring your personal security and protecting your devices should be top priorities. Take a cue from these travel safety and security tips to enjoy a worry-free vacation: Mind the WiFi While free WiFi may seem convenient, it's often
- [Protecting Yourself from Fraudulent Messages](https://rallycu.com/protecting-yourself-from-fraudulent-messages/) - The Rise of Text Scams In an age where digital communication dominates, text scams have become increasingly prevalent. Both credit unions and financial institutions like Rally Credit Union have seen a surge in reports of members falling victim to deceptive tactics. These scams often involve fraudulent phone calls or text messages purporting to be from
- [Home Security While Away](https://rallycu.com/home-security-while-away/) - Summer is here, and with it comes the excitement of vacations and travel. Whether you’re planning a weekend getaway or a month-long adventure, the last thing you want to worry about is the security of your home. Unfortunately, homes left unattended can become prime targets for burglars. Ensuring your home is secure while you’re away
- [Travel Smart: How to Spot and Avoid Vacation Scams](https://rallycu.com/travel-smart/) - Planning a vacation is always an exciting time, filled with dreams of relaxation, adventure, and new experiences. However, this excitement can sometimes blind us to the lurking dangers of travel-related fraud. From fake rental properties to vacation package scams, the risks are real and can turn a dream vacation into a nightmare. Here’s a comprehensive
- [Building a Secure Retirement](https://rallycu.com/building-a-secure-retirement/) - Avoid These Common Financial Missteps Retirement is a significant milestone, but proper planning doesn't end once you stop working. Ensuring financial stability throughout your retirement requires careful consideration and strategic decisions. In this Security Spotlight, we'll highlight five common mistakes to avoid to safeguard your retirement assets. 1. Applying for Social Security Benefits Too Early
- [The Money Mule: What It Is – And How to Avoid Becoming One](https://rallycu.com/the-money-mule-what-it-is-and-how-to-avoid-becoming-one/) - A money mule is someone who receives and moves money that came from victims of fraud. Some money mules know they are assisting with criminal activity, but others are unaware that their actions are helping fraudsters. If someone you don’t know sends you money and asks you to forward or transfer the money, you could
- [QR Code Safety and How to Protect Yourself](https://rallycu.com/qr-code-safety/) - In today’s fast-paced digital world, QR codes have become a convenient tool for accessing information quickly. From restaurant menus to payment gateways, these little squares are everywhere. However, with convenience comes risk. At Rally Credit Union, your security is our top priority. Understanding the Risks While QR codes are generally safe, they can be exploited
- [Stand Up to Common Elderly Scams](https://rallycu.com/stand-up-to-common-elderly-scams/) - Elder financial exploitation (EFE) is the illegal or improper use of an older adult’s funds, property, or assets. This plays out in a variety of common scams, often resulting in the older adult transferring money to a stranger or imposter for a promised benefit or good that the older adult does not receive. Common Elder
- [Red Flags of Elder Financial Exploitation](https://rallycu.com/red-flags-of-elder-financial-exploitation/) - Elder financial exploitation (EFE) is the illegal or improper use of an older adult’s funds, property, or assets. It can involve Elder Theft, which is a scheme involving the theft of an older adult’s assets, funds, or income by a trusted person (i.e., family members and non-family caregivers). What to Watch Out For Whether you’re
- [Understanding Wire Fraud](https://rallycu.com/understanding-wire-fraud/) - Wire fraud is a federal crime that involves using electronic communication to defraud someone out of money, property, or services. It can include phone calls, emails, texts, social media, and even fax machines. Some common wire transfer scams include: E-Mail Account Compromise (EAC): Attackers will use various methods to gain access to an individual’s email
- [Protecting your Financial Accounts](https://rallycu.com/protecting-your-financial-accounts/) - In today's digital age, safeguarding your online accounts is more critical than ever. With the rise of cyberattacks and data breaches, protecting your personal and financial information is paramount. Here are some proactive steps you can take to enhance the security of your accounts: 1. Create a Strong Password: When setting up an online account,
- [Protecting Your Identity and Safeguarding Your Account](https://rallycu.com/scams/) - In today's digital age, where technology offers convenience at our fingertips, it's crucial to remain vigilant against threats that seek to compromise our personal information and financial security. Rally Credit Union is committed to ensuring the safety of our members' accounts, and that's why we're sharing essential tips to help you protect yourself against text
- [Safeguard Your Information: Why Shredding Matters](https://rallycu.com/why-shredding-matters/) - Don't Trash It, Shred It! In an increasingly digital world, it's easy to overlook the importance of properly disposing of old documents. However, maintaining the security of your personal and confidential information is crucial to safeguarding against identity theft and fraud. Shredding old documents is a simple yet effective way to prevent your sensitive information
- [Secure Your Financial Future](https://rallycu.com/secure-your-financial-future/) - Preparing for a Safe and Prosperous 2025 As we step into the new year, it's the perfect time to rally your finances and improve your financial well-being. At Rally Credit Union, our purpose is to improve lives and drive possibilities. With the right strategies, you can secure your financial future and achieve your goals in
- [Preventing Check Fraud in a Digital Age](https://rallycu.com/preventing-check-fraud-in-a-digital-age-2/) - Although check usage has decreased by about 25% in recent years, reports of check fraud have surged, nearly doubling since 2021. Checks contain personal and financial information that can make you a target for criminals, so it’s important to understand the risks and learn how to protect yourself. What Information Is At Risk? When you
- [Secure Your Financial Future: Building Credit Safely](https://rallycu.com/buildingcreditsafely/) - What is Credit and Why Do We Need It? Credit is an agreement between a borrower and a lender, where the borrower agrees to repay the loan with interest at a later date. It also refers to a person's ability to repay their debts. Your credit report and scores tell lenders if you have good
- [Secure Your Financial Freedom: Managing Debt Wisely](https://rallycu.com/managing-debt-wisely/) - A Path to Financial Freedom Debt is the state of owing money. When it comes to managing debt, you’re not alone. According to CNBC, “The average American has $90,460 in debt,” but don’t let those numbers intimidate you. The amount of debt for each individual and age group varies. Debt is not always bad; there
- [Tap to Pay: Faster, Safer, and Easier](https://rallycu.com/tap-to-pay-faster-safer-and-easier-2/) - Contactless payment is now seemingly everywhere, from the gas pump to your favorite Texas grocery store. That means Rally members can make purchases faster than ever—no need to swipe, insert or rummage through the trenches of your purse or pockets for cash. Simply tap your Rally debit card or use the digital wallet on your
- [Protecting Yourself from Deepfake Scams](https://rallycu.com/protecting-yourself-from-deepfake-scams/) - In today's digital age, the rise of deepfake technology poses a significant threat to financial security. Deepfakes are synthetic media created using advanced artificial intelligence, making it increasingly difficult to distinguish between real and fake content. This technology can be used by cybercriminals to impersonate executives, employees, and even customers, leading to potential fraud and
- [Beware of Tax Scams: Tips to Stay Safe](https://rallycu.com/taxscams/) - Tax season is upon us, and unfortunately, so are tax scams. Whether you're expecting a refund or need to pay, scammers are working hard to trick you into giving up sensitive personal and financial information. We're here to help you stay informed and protected from these malicious schemes. Common Tax Scams to Watch For Scammers
- [April is Financial Literacy Month](https://rallycu.com/april-is-financial-literacy-month/) - Let’s Get Smarter About Money! Financial questions can come up at any time—whether you’re budgeting for everyday expenses, saving for the future, or making big financial decisions like buying a car or home. Luckily, April is Financial Literacy Month, a perfect opportunity to focus on making the smartest choices for savings, loans, and everyday banking.
- [Bridge the Gap with GAP Plus](https://rallycu.com/gapinsurance/) - Purchasing a vehicle is an exciting milestone, but it also comes with the responsibility of safeguarding your investment. While auto insurance is essential, it may not cover all scenarios, leaving you with potential financial gaps in the event of an accident or theft. That's where Guaranteed Asset Protection (GAP) Plus from Rally Credit Union can
- [Secure Your Summer Travels with Rally](https://rallycu.com/travel-security-rally-app/) - With summer just around the corner, we know our members are gearing up for exciting travel plans. At Rally, we want to ensure your journey is seamless and stress-free. That’s why we’re here to help you avoid any issues with purchases while traveling, because we understand the importance of uninterrupted financial access. At Rally, safeguarding
- [Preparing for Disasters and Hurricane Preparedness](https://rallycu.com/preparing-for-disasters-and-hurricane-preparedness/) - Preparing for Disasters and Hurricane Preparedness At Rally Credit Union, our purpose is to improve lives and drive possibilities. With a deep commitment to our members, we prioritize financial security and preparedness. In the face of uncontrollable disasters, it's essential to know how to prepare for the unimaginable. That’s why we provide clear steps to
- [Get Ready for Smart Card Enhancements – Coming Soon!](https://rallycu.com/get-ready-for-smart-card-enhancements-coming-soon/) - A better card experience is at your fingertips! We are excited to announce that soon you will have greater control over your debit cards, allowing you to set limits, receive transaction alerts, track your spending, and more! Our upgraded SmartCard* experience puts more control, convenience and safety in your hands. From instant card activations to
- [Preventing Check Fraud in a Digital Age](https://rallycu.com/preventing-check-fraud-in-a-digital-age/) - Although check usage has decreased by about 25% in recent years, reports of check fraud have surged, nearly doubling since 2021. Checks contain personal and financial information that can make you a target for criminals, so it’s important to understand the risks and learn how to protect yourself. What Information Is At Risk? When you
- [Now Open in Harlingen!](https://rallycu.com/now-open-in-harlingen/) - Rally Credit Union is excited to announce the opening of its newest branch in Harlingen, Texas, further expanding our presence in the Rio Grande Valley, a community we have proudly served since 2012. The Harlingen branch, located at 202 Camelot Dr., opened on September 10th and provides full-service banking along with state-of-the-art financial technology. Members
- [Tap to Pay: Faster, Safer, and Easier](https://rallycu.com/tap-to-pay-faster-safer-and-easier/) - Contactless payment is now seemingly everywhere, from the gas pump to your favorite Texas grocery store. That means Rally members can make purchases faster than ever—no need to swipe, insert or rummage through the trenches of your purse or pockets for cash. Simply tap your Rally debit card or use the digital wallet on your

## Pages

- [Home](https://rallycu.com/) - Auto Loans Easy loans thatfit your finances. As Low As 4.99 % APR* See Details Home Loans Competitive rates foryour dream home. As Low As 5.794 % APR* See Details Checking Better interest.More rewards. As High As 3.00 % APY** See Details Savings Make your moneywork for you. As High As
- [Land Loans](https://rallycu.com/loans/homeloans/land-loans/) - Lock In the Lot Found the perfect spot for your dream home? Buying land today gives you the freedom to grow into your future. Secure your lot now—and build when the time’s right. Apply Online Talk to an Expert Competitive Rates As Low As: 10 Year 7.82 % APR* See Disclosures 15 Year 8.02 %
- [Media Center](https://rallycu.com/member-resources/tools-services/media-center/) - Media Center Find detailed financial information from our archive of brochures, newsletters and our most up-to-date annual report. Brochures Need info on the go? Simply click the links below to download our brochures. Not finding what you’re looking for? We’re always here to help. Call a friendly team member at 800-622-3631 for an informative chat
- [Offers & Discounts](https://rallycu.com/member-resources/tools-services/offers-discounts/) - TruStage™ Insurance Looking for reliable insurance options designed to be simple? Insurance should be an important part of a solid financial plan. The key is finding coverage that fits your needs from someone you can trust. The right insurance could help give you peace of mind today. Backed by more than 80 years of working
- [Calculators](https://rallycu.com/member-resources/tools-services/online-calculators/) - Financial Calculators Want a better grip on your financing? With tools like these calculators1, you can determine what you can afford, compare loans, set savings goals and so much more. Auto Loan Calculators Calculate a Vehicle Payment Low Rate or Cash Back? Compare Monthly Payment by Term Vehicle Affordability by Loan Term Compare Two Vehicle
- [Terms of Use](https://rallycu.com/terms-of-use/) - 1. Acceptance of Terms Welcome to the Rally Credit Union (“Rally,” “we,” “us,” or “our”) website (“Site”). By accessing or using this Site, you agree to comply with and be bound by these Terms of Use (“Terms”). If you do not agree, please discontinue use of this Site. 2. Eligibility and Capacity to Contract By
- [Equity](https://rallycu.com/loans/homeloans/calculators/equity-calculator/) - Home Equity Loans are loans against the available equity in your home calculated by the loan-to-value ratio. Find out how much you can borrow against your home loan using this calculator. Home Equity Loans are often used for home improvement projects, unexpected financial expenses and more. Home Equity Loan Apply Now Smart Tips for Better
- [Refinance](https://rallycu.com/loans/homeloans/calculators/refinance-calculator/) - Refinancing a home can sometimes save homeowners hundreds of dollars on their monthly payments. Use this calculator to see what interest rate is needed and if the time is right for you to refinance your loan. Refinance Your Home Apply Now Smart Tips for Better Banking Stay ahead with member news, financial tips and fraud
- [Home Loan Payment](https://rallycu.com/loans/homeloans/calculators/home-loan-payment-calculator/) - Have your eye on a home you want to buy, but not sure about the monthly payments? Use this calculator to estimate monthly loan payments, including insurance, property taxes and principal and interest payoff. Buying A Home Apply Now Smart Tips for Better Banking Stay ahead with member news, financial tips and fraud protection information.
- [Affordability](https://rallycu.com/loans/homeloans/calculators/home-affordability-calculator/) - Whether you’re a first-time buyer or looking for your second home, it’s wise to calculate how much house you can afford. Use this calculator to find your debt-to-income ratio and find a suitable home purchase price that meets your financial needs. Buying A Home Apply Now Smart Tips for Better Banking Stay ahead with member
- [Auto Loan Payment Calculator](https://rallycu.com/loans/auto-loans/auto-loan-payment-calculator/) - Estimate Your Monthly Payment Use our calculator1 to get a quick idea of what your auto loan payment could look like—no guesswork needed. Apply Now Dealer Partners Get Pre-Approved Apply Now Find the Nearest Branch All Systems Go Manage your auto loan with ease—make payments, set up your account and keep things running smoothly. Make
- [Digital Banking](https://rallycu.com/member-resources/tools-services/digital-banking/) - Digital Banking, Made Easy No time to visit a branch? No problem. Manage your money from anywhere with our online banking and mobile app options. Online Accounts For a faster way to manage your money, log in to your online account—24/7, 365. Pay bills and loans, transfer money and schedule recurring payments Check account balances
- [Board Election](https://rallycu.com/about/board-of-directors/board-election/) - The nomination and election of members to serve on the Board of Directors of Rally Credit Union (Rally) is governed by the Credit Union’s Bylaws and the policies and procedures adopted by the Board of Directors. Director Duties & Responsibilities Directors are elected by the general membership of Rally and serve three-year staggered terms. Directors
- [Forms](https://rallycu.com/member-resources/tools-services/forms/) - Financial Documents Communicating with our members is a top priority. Below you’ll find a library of financial documents for your personal and business banking needs. e-Signature through DocuSign We offer e-signature (electronic signature) capability through DocuSign. With this service, you’ll be able to quickly and securely sign documents from your computer, smartphone or tablet. DocuSign’s
- [Congrats on your Rally Auto Loan!](https://rallycu.com/welcome-to-your-rally-auto-loans/) - Here, You’re #1 We're glad you're here. Since 1955, Rally Credit Union has helped members meet their financial goals with confidence. That’s because, with Rally, you’re not just a customer—you’re part owner. We offer federally insured service so your finances are in good hands, and all from a team who simply can’t be beat. Ready
- [San Antonio](https://rallycu.com/loans/auto-loans/dealer-partners/san-antonio/)
- [Houston](https://rallycu.com/loans/auto-loans/dealer-partners/houston/)
- [Laredo](https://rallycu.com/loans/auto-loans/dealer-partners/laredo/)
- [Rio Grande Valley](https://rallycu.com/loans/auto-loans/dealer-partners/rio-grande-valley/)
- [Coastal Bend](https://rallycu.com/loans/auto-loans/dealer-partners/coastal-bend/)
- [Fees](https://rallycu.com/fees/) - Banking Without Surprises At Rally, we never hide service fees. Stay a step ahead of any possible charges here. Loans may be subject to additional fees. Please refer to loan documents. Smart Tips for Better Banking Stay ahead with member news, financial tips and fraud protection information. Financial Tips What does financial freedom mean to
- [Checking Account Resources](https://rallycu.com/checking/checking-account-resources/) - Your Built-In Perks Your Rally Checking Account comes with winning perks that make banking more rewarding. From Early Pay Day to digital banking, enjoy features designed to make managing your money easier. Digital Banking Easily check balances, transfer funds, pay bills and manage your finances anytime, anywhere. Login to Your Account Set up Digital
- [Certificate of Deposit](https://rallycu.com/savings/certificate-of-deposit/) - Stress-Free Savings With fixed terms and rates that consistently rank among the best in the nation, a Rally Certificate of Deposit (CD)1 is a great way to build your savings without lifting a finger. Open Account Rate for 3-month Term 3.40 % APY** See Disclosures See All Deposit Rates Still Have Questions? Visit Our Help
- [Business Loans](https://rallycu.com/business-banking/loans/) - Boost Your Business Whether you’re refreshing your office, consolidating business debt or gearing up for your next big move, Rally Credit Union has the financing to help. We offer competitive rates on Business Loans and Lines of Credit—including SBA loans—so you can give it your all, minus the worry. Plus, our local team handles underwriting
- [Smart Card Privacy Policy](https://rallycu.com/privacy/smart-card-privacy-policy/) - Smart Card (the “App”)– powered by Fiserv – helps you control your credit and/or debit cards through your mobile device, making it easy to manage your finances on the go. The App allows you to: get real-time balances for your accounts manage your money view your transactions and statements receive alerts manage cards This Privacy
- [Hurricane Preparedness](https://rallycu.com/hurricane-preparedness/) - Smart Ways to Stay Ready When a hurricane is approaching, it’s important to take the appropriate financial steps to ensure that once the storm has passed, you can quickly regain your financial footing. From protecting your financial documentation to having cash on hand, a little financial foresight can go a long way. Practical Tips to
- [Buying A Home](https://rallycu.com/loans/homeloans/buying-a-home/) - Home Loans Made Easy With low down payment options and reduced closing costs1, Rally makes buying your first home—or upgrading to your dream home—easier than ever. Apply Online Talk to an Expert Competitive Rates As Low As: 15 Year 5.794 % APR* See Disclosures 20 Year 6.411 % APR* See Disclosures 30 Year 6.652 %
- [Personal Loans](https://rallycu.com/loans/personal-loans/) - Ready for Whatever’s Next When life opens a new door, our personal loans help you step through with confidence. With flexible options and simple repayment, it’s all about keeping your plans moving forward. Signature Loans1 A one-time loan with a competitive rate and easy repayment—automatically deducted from your Rally account. Apply Now Rates as low
- [Liberty Qualification Cycle](https://rallycu.com/checking/liberty-qualification-cycle/) - Qualification Cycles and Minimum Activity 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
- [VA Home Loans & Refinance](https://rallycu.com/loans/homeloans/va-home-loans-refi/) - Proudly Serving Our Veterans We’re proud to honor our country’s heroes with home loans backed by the VA. With exclusive benefits1, veterans have a clear path to making homeownership dreams a reality. Apply Online Talk to an Expert Competitive Rates As Low As: 15 Year 5.823 % APR* See Disclosures 20 Year 6.309 % APR*
- [Home Equity](https://rallycu.com/loans/homeloans/home-equity/) - Unlock What's Already Yours Use your home’s equity to take on what’s next—whether it’s consolidating debt, covering surprise expenses or tackling home improvements. With Rally’s Cash-Out Refinance and Home Equity Second Lien options, it’s time to make those big plans a reality. Apply Online Talk to an Expert Competitive Rates As Low As: 15 Year
- [Feedback](https://rallycu.com/feedback/) - At Rally Credit Union, your opinion matters to us! We’re always looking for ways to improve our services, and your feedback helps us better serve you. Whether you have suggestions, concerns, or a positive experience to share, we want to hear from you. Please take a moment to let us know how we are doing.
- [404: A Little Turned Around?](https://rallycu.com/404-a-little-turned-around/)
- [Business Digital Banking](https://rallycu.com/business-banking/tools-and-services/digital-banking/) - Always On Your Side Business never stops, so your banking can’t either. Rally Credit Union’s digital banking gives you the power to manage accounts, move money and stay on top of finances—whenever, wherever. Connect with a Business Expert Online Banking With secure, time-saving tools at your fingertips, you can manage cash flow, send payments and
- [Checking Accounts](https://rallycu.com/checking/) - Liberty Checking and Savings Bundle Our free, high-yield checking1 and savings account3 combination designed to maximize your earnings on checking and savings. Open Account See Account Details Liberty Bundle Rates Checking 3.00 % APY** Savings 3.10 % APY** See Disclosures Liberty Checking and Savings Bundle Our free, high-yield checking and savings account combination designed to
- [About](https://rallycu.com/about/) - Better banking for ALL. That’s our Rally Cry. For over 225,000 members across the Coastal Bend and Rio Grande Valley, Rally Credit Union offers banking for all of life’s needs. Loans that help you grow with your next big purchase, like a new home or auto. Accounts that help you earn, like our Liberty Plus
- [Liberty Checking](https://rallycu.com/checking/liberty-checking/) - Earn with Ease Liberty and Liberty Plus Checking give your money space to do more. You’ll earn up to 40X1 the national average in interest and big perks to match. Open Account 40X HIGHER High-Interest Checking Account2 3.00 % APY** Here's what you get: High-interest earnings 40X the national average ATM fee refunds nationwide3 No
- [Hiring Process](https://rallycu.com/careers/hiring-process/) - You're On Your Way Interested in joining the team? We’ll follow these steps to get to know you better—and see if Rally is the right fit for you. Apply Choose the position you’re interested in and submit your application. When creating a candidate profile, remember your login credentials because you may need to log in
- [Money Market](https://rallycu.com/savings/money-market/) - Your Savings, Leveled Up Want your money to work harder without locking it up? A Money Market account2 earns more than Basic Savings—while keeping your cash within reach. You’ll earn interest daily, get paid monthly and stay flexible the whole way through. Find Nearest Branch Rate for up to a $49,999.99 investment 0.50 % APY**
- [IRAs](https://rallycu.com/savings/individual-retirement-account/) - Plan Today. Protect Tomorrow. 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. Find Nearest Branch 12-Month Term 3.75 % APY** See Disclosures See All Deposit Rates Traditional A Traditional IRA savings account lets you defer taxes on what you
- [Home Savings Account](https://rallycu.com/savings/home-savings-account/) - Your Path Home A Home Savings Account2 is a simple way to plan ahead for things like taxes and insurance. Withdraw anytime and earn dividends along the way—calculated on your daily balance and paid quarterly. Open Account For balances $50.00 & Over 0.25 % APY** See Disclosures See All Deposit Rates Still Have Questions? Visit
- [Basic Savings](https://rallycu.com/savings/basic-savings/) - Start Strong Every Rally member begins here—and for good reason. This account makes you part of the credit union while building interest on balances of $50 or more, with dividends paid quarterly2. Simple, steady and built to back your goals. Open Account Basic Savings Rate 0.25 % APY** See Disclosures See All Deposit Rates Still
- [Member Tools & Services](https://rallycu.com/member-resources/tools-services/) - Ready When You Are We make banking easy and flexible, with the tools and services to help from anywhere. Digital Banking Bank anytime, anywhere! Make the most of Rally’s online and mobile banking. Explore Digital Banking Early Pay Day Get your paycheck direct deposited up to three days early! Get Started Calculators
- [FHA Loan](https://rallycu.com/loans/homeloans/fha-loan/) - Making Room for All Federal Housing Administration (FHA) loans offer a little extra breathing room and a fresh start—perfect for first-time buyers or anyone1 easing into homeownership. Apply Online Talk to an Expert Competitive Rates As Low As: 15 Year 6.306 % APR* See Disclosures 20 Year 6.700 % APR* See Disclosures 30 Year 6.718
- [Loan Payments](https://rallycu.com/loans/loan-payments/) - Pay Your Way Everyone manages finances differently, so Rally offers multiple ways to make loan payments. See which one works best for you. Managing a Home Loan? View your account, make payments, see insurance documents and more. Home Loan Services Payment Options Select an option for more details Online and Mobile Banking Payment Portal for
- [Savings & Investing Accounts](https://rallycu.com/savings/) - Liberty Checking and Savings Bundle Our free, high-yield checking1 and savings account3 combination designed to maximize your earnings on checking and savings. Open Account See Account Details Liberty Bundle Rates Checking 3.00 % APY** Savings 3.10 % APY** See Disclosures Liberty Checking and Savings Bundle Our free, high-yield checking and savings account combination designed to
- [Security](https://rallycu.com/privacy/security/) - Smart. Secure. Together. We are dedicated to protecting your personal and financial information with the highest standards of security. On this page, you’ll find essential tips and resources to help recognize and prevent scams. We believe that with the right information, you can stay vigilant and protect your financial well-being. Together, we can create a secure
- [Help Center](https://rallycu.com/member-resources/contact/) - Have a Question or Need Help? Reach out to Rally however you like to communicate. By Chat Look for the chat in the bottom-right. Let's talk! Look for the chat in the bottom-right. Available Hours:Monday – Thursday: 8am – 5pmFriday: 8am – 5:30pmSaturday: 9am – 1pm Online Secure Message Our team can assist in
- [Privacy](https://rallycu.com/privacy/) - Protecting personal information and using it in a manner consistent with member expectations is Rally Credit Union's highest priority. We protect the confidentiality, security, and integrity of each member's nonpublic personal information in accordance with existing state and federal laws by maintaining physical, electronic, and procedural safeguards to guard members' nonpublic personal information. We will
- [Refinance Your Home](https://rallycu.com/loans/homeloans/refinance-your-home/) - Built-In Flexibility Refinance your way—lower your rate, reduce your payment or change your term Apply Online Talk to an Expert Competitive Rates As Low As: 15 Year 5.794 % APR* See Disclosures 20 Year 6.411 % APR* See Disclosures 30 Year 6.652 % APR* See Disclosures Home Loan Options Benefits of Refinancing Lower interest rates
- [Calculators](https://rallycu.com/loans/homeloans/calculators/) - We’ve got you covered. With these easy-to-use calculators you can estimate your payments, how much you can afford or if refinancing is the right option for you. Home Affordability Calculator How much can you afford to spend on a new home? Estimate here. See Details Home Loan Payment Calculator Estimate your payments including
- [Membership](https://rallycu.com/membership/) - We Rally For You. Rally Credit Union has everything you need to achieve your financial goals, from checking and savings to no hassle loans. We answer to members, not shareholders, so our members enjoy better interest rates, quicker loan approvals, low or no fees on many services and MORE! Open Account As a member, you’ll
- [Build or Renovate](https://rallycu.com/loans/homeloans/build-or-renovate/) - Build It. Fix It. Love It. From new construction to home improvement projects, Rally makes it easy with one smart loan. Apply Online Talk to an Expert Competitive Rates As Low As: 15 Year 5.610 % APR* See Disclosures 20 Year 6.214 % APR* See Disclosures 30 Year 6.443 % APR* See Disclosures Home Loan
- [Auto Loan Protection](https://rallycu.com/loans/auto-loans/auto-loan-protection/) - Protect Your Ride, Your Way We all know that, sometimes, life gets bumpy. Our optional Auto Loan Protection products1 help you stay ahead of the unexpected. From major repairs to big what-ifs, Rally has flexible coverage to keep your journey smooth. Find a Branch Contact an Expert Coverage Options These protection products are completely optional
- [Home Loans](https://rallycu.com/loans/homeloans/) - Built Around You From first-time buyers to longtime owners, we’re here to help you get the keys or lower your rate. Whatever your path, Rally helps you feel right at home. Apply Online Learn More Competitive Rates As Low As: 15 Year Buying a Home 5.794 % APR* Learn More 15 Year Refinance
- [Business Savings](https://rallycu.com/business-banking/savings/) - Grow Every Second When your savings earn interest by the second, time really is money. Rally’s business savings options help your funds grow continuously without tying them up—so your cash stays flexible and working for you. Open Account Connect with Business Experts Find Nearest Branch Business Savings Account Simple Savings You Can Count On.Our
- [Specialty Vehicle Loans](https://rallycu.com/loans/auto-loans/specialty-vehicle-loans/) - Enjoy the Journey Rally has flexible financing1 for the ride (or road trip) of your dreams. Apply Online Dealer Partners Find a Branch Starting At 5.99- 18.00 % APR* See Disclosures All Systems Go Manage your auto loan with ease—make payments, set up your account and keep things running smoothly. Make a Loan Payment Smart
- [Auto Loans](https://rallycu.com/loans/auto-loans/) - Three Easy Ways to Get Rolling Getting an auto loan1 is a smooth ride at Rally. Apply online, with a dealer partner or swing by a branch—whatever gets you in the driver’s seat faster. Apply Online Dealer Partners Find a Branch Starting At 4.99 % APR* See Disclosures Financing for the Open Road Ready for
- [Dealer Partners](https://rallycu.com/loans/auto-loans/dealer-partners/)
- [Auto Loan Account Setup Guide](https://rallycu.com/auto-loan-account-setup-guide/) - Buckle Up for Better Banking You’re just a few steps from worry-free auto loan payments—and even more benefits that come with being an everyday Rally Credit Union account holder. How to Get Started: Follow the guide below to get on your way, fast. Click here to Enroll in Online BankingNote: You’ll need your member number
- [Zelle](https://rallycu.com/member-resources/tools-services/zelle/) - Safe Money Transfers—Instantly We’ve teamed up with Zelle®1 to give you a fast, safe and free way to send and receive money with friends, family and people you trust. Access Zelle® directly through Rally’s online and mobile banking—no extra apps needed! How to start using Zelle®: Enroll or log in to Online/Mobile Banking Select "Send Money with Zelle®"
- [Online Privacy Policy](https://rallycu.com/privacy/online-privacy-policy/) - By using this website or our online services, you agree to the terms and conditions of this Online Privacy Policy. Your privacy is important to us. This Online Privacy Policy describes our online privacy practices. The Term “Rally” or “we” or “us” or “our” in this Statement refers to Rally Credit Union. This Statement explains
- [Manage Home Loan Account](https://rallycu.com/loans/homeloans/payments/) - Welcome to Home Loan Services Your One Stop Shop for All Your Service Needs View your home loan account Make a payment View balance and history Request payoff View and print your Year End Statement (1098) Check the status of your home loan application Have Questions? Talk to an Expert. Online/Mobile Banking Access your Home
- [Hiring Events](https://rallycu.com/careers/hiring-events/) - Let’s Talk! Our team regularly meets with the community to recruit fresh talent to Rally Credit Union. No upcoming events. Check back soon for updates. Event Date Area UTRGV Edinburg Career & Internship Expo 3/1/24 Rio Grande Valley UTRGV Edinburg Career & Internship Expo 3/1/24 Rio Grande Valley Not seeing an event in your area?
- [Member Resources](https://rallycu.com/member-resources/) - Member Tips & Tools Helpful resources to keep banking simple—all in one place. Login Loan Payments Help Center Need answers fast? Find support for all your banking needs. Get Help Education Learn the ins and outs of smart banking with helpful tips. Start Learning FAQs Check out common member questions and expert
- [Liberty Plus Bundle](https://rallycu.com/liberty-plus-bundle/) - What You Get: Liberty Plus Checking A free, high-interest2 checking account with a MasterCard®-backed debit card, easy online banking and up to 40X1 the national average interest rate. 3.00 % APY** See Disclosures Liberty Savings4 A free, high-yield savings account4 to significantly boost your savings. Whether it’s for a rainy-day fund or a specific purchase—we’ll get you there faster.
- [Frequently Asked Questions](https://rallycu.com/member-resources/frequently-asked-questions/) - We’re All About Answers Got a question? We’re here to help. Browse common topics below or use the search bar to find the answers you need straight from your Rally team. Search FAQs Most Frequently Asked Questions What is the Rally Credit Union routing number? 314978543 Where can I find my account number? Once signed
- [Texas Consumer Council (TXCC)](https://rallycu.com/membership/txcc/) - Rally Membership as Big as Texas Our partnership with the Texas Consumer Council (TXCC) expands eligibility for new Rally members—and brings added value to the members we have today. What This FREE Partnership Means for You At Rally, a strong member base makes a strong credit union. This partnership makes it possible for all Texans to
- [Business Checking](https://rallycu.com/business-banking/checking/) - Easy. Reliable. Tailored. CHECK. Big or small, your business needs the right financial tools to succeed. Rally Credit Union has flexible business solutions—whether it’s an everyday checking account or something more specialized. Our Business Experts are ready to team up with you and find the perfect fit. Open Account Connect with Business Experts Find Nearest
- [Flag Checking](https://rallycu.com/checking/flag-checking/) - Packed with Perks Flag Checking goes beyond the basics. For a small monthly fee, you’ll unlock member-only discounts, added benefits and convenient tools—all wrapped into one easy-to-use account with a single card, app and login. Open Account What You Get: Even using one or two of the services, it’s easy to see how quickly you
- [Early Pay Day](https://rallycu.com/member-resources/tools-services/early-pay-day/) - Get Your Paycheck Sooner With Early Pay Day1, money can hit your account up to three days early. That means you can get a head start on monthly bills, setting aside savings or buying a little something just for you. How it works If you have a direct deposit with Rally, you’re ready to go.
- [Personal Banking](https://rallycu.com/personal-banking/) - Here, You’re #1 Checking, savings, loans—we make it simple to manage it all, with great rates and friendly faces cheering you on. Open Account Auto Loans Easy loans thatfit your finances1. 4.99 % APR* See Details Home Loans Competitive rates2 foryour dream home. 5.794 % APR* See Details Checking Better interest3.More rewards.
- [Loans](https://rallycu.com/loans/) - Auto Loans1 Getting an auto loan is easy. You can apply online, over the phone, in person or right at the dealership. See Details 4.99 - 18.00 % APR* See Disclosures Home Loans2 From buying to refinancing, our home loan experts are here to help you every step of the way. See Details
- [Merchant Services](https://rallycu.com/business-banking/tools-and-services/merchant-services/) - Always Ready for Check-Out Give your customers the flexibility to pay how they want. With Evolv-powered solutions, you can securely and efficiently accept credit and debit card payments in-store, online or anywhere your business takes you. What You Get: Credit and Debit Card Processing: Pin-based debit transactions Visa, Mastercard, Discover, American Express, JCB and fleet
- [Business Banking](https://rallycu.com/business-banking/) - We’re On It, Boss If you're looking for personalized service with the loan power of a big bank, Rally Credit Union is your business banking solution. We handle a variety of business accounts such as: retail & service, eCommerce, B2B, non-profit organizations, property management, healthcare, event management and restaurants. Open Account Connect with Business Experts
- [Rates](https://rallycu.com/rates/) - Loan and Deposit Rates At Rally Credit Union, you’ll find some of the most competitive rates and lowest fees on checking, savings, personal loans and home loans. With convenient locations across the Coastal Bend and Rio Grande Valley, we’re here to help you reach your financial goals—whatever they are. Deposit Rates Loan Rates Business Rates
- [Careers](https://rallycu.com/careers/) - Join Our Squad! A career at Rally means joining a company that lives and works by our mission to meet the financial needs of our members, and to better serve our community. Our invaluable team members enjoy outstanding training opportunities and exceptional benefits all within a fun and friendly environment. View Job Opportunities Employee Benefits
- [Smart Card Management](https://rallycu.com/member-resources/tools-services/smart-card/) - Card Management at Your Fingertips Take control of your debit cards all from the Rally Digital Banking app. No extra downloads, no hassle. Download Apple App Download Android App Set Up Smart Card Here’s What You Get Add your debit card to your mobile wallet instantly Turn your card on and off Set dollar limits,
- [Basic Checking](https://rallycu.com/checking/basic-checking/) - Rewards, Too? Yes, Please. Earn rewards on everyday spending—plus get all the extras like online banking, overdraft protection and more. Open Account What You Get Rewards on everyday purchases Free MasterCard debit card Online banking and mobile app Overdraft protection with Courtesy Pay1 Security alerts with digital banking 1. Must opt-in to Courtesy Pay to
- [Home Loan Payment Assistance](https://rallycu.com/loans/homeloans/home-loan-payment-assistance/) - Understanding Loss Mitigation Sometimes life throws you a curveball—unexpected expenses, changes in income or other challenges can make it harder to keep up with your monthly home loan payments. If you're struggling, we're here to help. We want to keep your home loan on track. If you’re unable to make payments due to circumstances beyond
- [Tools and Services](https://rallycu.com/business-banking/tools-and-services/) - Going the Extra Mile Running a business takes strategy, insight and the right resources. From expert tips to financial tools, we’re here to help you work smarter and stay on the road to success. Digital Banking Get access that works on your schedule with Rally’s online and mobile banking. See Details Merchant Services
- [Disaster Relief](https://rallycu.com/loans/homeloans/disaster-relief-and-loss-claim-information/) - Damage to Your Home? Have questions about what to do next?We understand this is a difficult time for you and would like to take this opportunity to explain the disposition of funds and procedures utilized to complete the repairs to your home. As the servicer of your loan, we are the named mortgagee on any
- [Bank By Phone](https://rallycu.com/member-resources/tools-services/bank-by-phone/) - Phone and Voice Banking, 24/7 If you'd rather connect by phone, we're just a call away. Check balances of your savings, checking and loan accounts Hear your recent transactions Receive detailed transaction data Transfer funds from wherever you are How to Get Started: Dial 1-800-622-3641 or 361-986-4555. Follow the prompts to proceed. SMS Text Banking Prefer
- [Accessibility](https://rallycu.com/privacy/accessibility/) - All products and services available on this website are available at Rally branches. For members who are unable to visit a branch or use telephone banking, we offer digital banking options that provide helpful banking features. Rally Credit Union is committed to providing a website that is accessible to the widest possible audience, regardless of
- [Business FAQs](https://rallycu.com/business-banking/frequently-asked-questions/) - Business Frequently Asked Questions Explore our FAQs, where you'll find answers to many common questions. If you haven't found what you're looking for or if you have any further inquiries, please don’t hesitate to reach out to us today. Our team is here to help! Can I approve the transactions initiated by employees? Yes. With
- [Bravo](https://rallycu.com/about/bravo/) - Give me a B-R-A-V-O! He’s brave. He’s fierce. And he’s proud to represent Rally Credit Union. Bravo's Mission As the official Rally Credit Union mascot, Bravo always aims to bring Rally spirit to new heights! Inspired by our nation’s patriotic symbol, Bravo’s confidence and charisma brings smiles and pride to all who meet him. Did You Know:
- [Cash Management](https://rallycu.com/business-banking/tools-and-services/cash-management/) - Smart Money Moves Available with an Analysis Checking Account, our cash management solutions give your business the tools to manage funds efficiently. From timesaving payment processing and fraud protection to flexible cash flow management, we help you get down to business. Contact Business Expert Remote Deposit Capture Deposit Checks Without Leaving Work. Save time and reduce
- [Reusables](https://rallycu.com/reusables/) - 3.10 % APY**
- [Locations](https://rallycu.com/locations/)
- [Education Center](https://rallycu.com/education-center/)
- [System Status Update](https://rallycu.com/system-status-update/) - Oh no! If you’re here, you’ve been redirected due to scheduled maintenance. At this time, we anticipate full service will be restored by 1 pm. Thank you for your patience while we work to restore access. What is Happening? We are experiencing system maintenance. The following products are affected and have limited to no functionality:Open
- [Home Loan Experts](https://rallycu.com/loans/homeloans/home-loan-experts/)
- [Loan Rates](https://rallycu.com/rates/loan-rates/)
- [Complaints Notice](https://rallycu.com/privacy/complaints-notice/) - If you have a problem with the services provided by this credit union, please contact us at: Rally Credit Union Attn: Compliance Department Post Office Box 81349 Corpus Christi, Texas 78468-1349 Email: complaints@rallycu.com The credit union is incorporated under the laws of the State of Texas and under state law is subject to regulatory oversight by the Texas Credit
- [Mobile App Account Deactivation Request](https://rallycu.com/member-resources/tools-services/forms/mobile-app-account-deactivation-request/) - Canceling Your Online and Mobile Banking Services (Digital Banking) Your Online and Mobile Banking Services (Digital Banking) remain in effect until they are terminated by you or us. You may cancel your services anytime by notifying us of your intent by completing the form below or calling us at 800-622-3631. This cancellation applies to your
- [Member News](https://rallycu.com/education-center/member-news/)
- [Financial Tips](https://rallycu.com/education-center/financial-tips/)
- [Security & Privacy](https://rallycu.com/education-center/security-privacy/)
- [Board of Directors](https://rallycu.com/about/board-of-directors/)
- [Business Banking Experts](https://rallycu.com/business-banking/business-banking-experts/)
- [Business Banking Rates](https://rallycu.com/rates/business-banking-rates/)
- [Digital Banking 101](https://rallycu.com/education-center/digital-banking-101/)
- [Deposit Rates](https://rallycu.com/rates/deposit-rates/) - Smart Tips for Betting Banking Stay ahead with member news, financial tips and fraud protection information. Member News More Ways to Bank: Full-Service Drive-Thru ITMs Now Available in Rockport At Rally Credit Union, we’re committed to creating convenient, consistent experiences that... Learn More Member News Prepare Your Home and Finances Essential Steps Before a Hurricane Hits As

## Alerts

- [Fraud Alert](https://rallycu.com/alert/fraudalert/)

## Announcements

- [Serving all of Texas](https://rallycu.com/announcement/serving-all-of-texas/)
- [Share the love](https://rallycu.com/announcement/4480/)
- [Security and Fraud](https://rallycu.com/announcement/4254/)

## Board of Directors

- [Matthew "Matt" Garcia](https://rallycu.com/board-member/matthew-matt-garcia/)
- [R. Bryan Stone](https://rallycu.com/board-member/r-bryan-stone/)
- [Maria Isabel "Mary" Salinas](https://rallycu.com/board-member/mrs-maria-isabel-salinas-mary/)
- [Kendra Kinnison](https://rallycu.com/board-member/kendra-kinnison/)
- [Robert "Bob" Westrup](https://rallycu.com/board-member/robert-bob-westrup/)
- [Thelma Garza Mandel](https://rallycu.com/board-member/thelma-garza-mandel/)
- [Theresa "Tess" Gonzales](https://rallycu.com/board-member/theresa-tess-gonzales/)
- [John Chapman](https://rallycu.com/board-member/john-chapman/)
- [Gerald G. Villarreal](https://rallycu.com/board-member/gerald-g-villarreal/)
- [Pete Rivera](https://rallycu.com/board-member/pete-rivera/)
- [Ms. Drue Jones](https://rallycu.com/board-member/ms-drue-jones/)

## Experts

- [Miguel Angel Ruz](https://rallycu.com/expert/miguel-ruz/) - I began my career in the financial services industry in 2013, driven by a passion for helping people build stronger financial futures. Over the years, I’ve developed expertise in consumer and business relationship management, always focused on tailoring solutions to align with each individual’s goals. As a bilingual professional in English and Spanish, I’m able
- [J.J. Trevino Jr.](https://rallycu.com/expert/jose-j-j-trevino/) - J.J. Treviño Jr. is a seasoned financial professional with over 14 years of experience in banking, specializing in retail sales & operations, credit analysis, and consumer and commercial lending. He holds a degree in Business Finance from the University of Texas – Pan American and has built a strong reputation in fostering both business relationships
- [Norberto Buenrostro Jr.](https://rallycu.com/expert/norberto-buenrostro/) - Norberto Buenrostro Jr., Cash Management Assistant Manager at Rally, brings 18 years of experience in the financial industry, including 13 years dedicated to commercial banking. In his current role, he leads the Member Business Centralization Team, ensuring efficient processes and seamless management for opening business accounts. Known for his financial expertise and dedication to delivering
- [Ruben Garcia](https://rallycu.com/expert/ruben-garcia-jr/) - I am a native of Corpus Christi, Texas and earned my Bachelor’s Degree in Business Administration from the University of Texas-San Antonio. With over 12 years of dedicated service, I proudly serve as a valued member of the Rally Credit Union team. Outside of the office, my greatest joy comes from spending time with my
- [Rose Lopez](https://rallycu.com/expert/rosalind-rose-lopez/) - Born in Bay City and raised in the heart of Corpus Christi, I’m Rosalind—though most know me as Rose. With over 14 years of experience in lending, I proudly serve the Coastal Bend and surrounding areas, helping individuals and families turn their homeownership dreams into reality. As a devoted mother, my children are my greatest
- [Laura R. Avendano](https://rallycu.com/expert/laura-ruth-avendano/) - I was born, raised and educated in the Rio Grande Valley. I am a proud and devoted mother of 3, they understand how passionate I am about being a Home Loan Officer and helping others. I’ve been in the financial institution industry since 2016, bringing nearly a decade of experience to serving my members with
- [Julio Cesar Garcia](https://rallycu.com/expert/julio-c-garcia/) - As a Home Loan Officer at Rally Credit Union, it is my privilege to assist you. Our dedication to core values sets us apart from other financial institutions. My goal is to support, educate, and advocate for you throughout your home loan experience. With eight years of experience in banking, I have successfully guided members
- [Debra Annette Rangel](https://rallycu.com/expert/debra-rangel/) - As a single mother, purchasing a home was more than just a goal—it was a promise to my daughters. They deserved a place where they could feel safe, be happy, and grow. With unwavering focus, I overcame significant challenges, paid down debt, saved diligently, and stayed committed to my vision. Through hard work and dedication,
- [Gina Boerjan](https://rallycu.com/expert/samantha-gina-boerjan/) - I have proudly been a part of Rally Credit Union for more than two decades. Throughout my career here, my primary focus has been on helping families reach their financial aspirations. With extensive experience in consumer and real estate lending, I understand the significance of having a committed professional by your side during the buying,
- [Rosie Zuniga](https://rallycu.com/expert/rosavela-rosie-zuniga/) - As the Assistant Sales Manager leading the Home Lending RGV team, our goal is to treat you with respect and listen to your home lending needs while presenting suitable options. If the answer is "no" for now, we will walk you through the steps to ensure your homeownership dreams come true. I believe your time
- [Roman G. Escobar](https://rallycu.com/expert/roman-escobar/) - I’ve spent more than 20 years helping people find the right path to homeownership, and I’m proud to have spent many of those years here at Rally Credit Union. In my role as Chief Lending Officer, I support our mortgage teams across South Texas and work to make sure our members have lending options that
- [Kay Gashette](https://rallycu.com/expert/kay-gashette/) - As a commercial lender with over 20 years of experience in banking—spanning large banks, credit unions, and a community bank—I’ve had the privilege of helping clients at every stage of their journey. Beyond lending, I’ve also served on several boards and participated in many community events, which has given me a deep appreciation for the
- [Catalina Barrera](https://rallycu.com/expert/catalina-barrera/) - Born in Miguel Alemán, Tamaulipas and raised in La Joya, Texas, I bring a bicultural perspective and strong community roots to my work in lending. With over eight years of industry experience, I have built my career on trust, education, and results. Over the past two years, I have focused on perfecting my craft as
- [Brooke Cruz](https://rallycu.com/expert/brooke-cruz/) - I am a South Texas native with over 15 years of lending experience. I enjoy spending my time hosting family barbecues, trying out different coffee shops and watching my kids play their favorite sports. I chose to be a lender because I have a strong passion for helping people achieve their financial goals and maintaining
- [Louisa J. Barajas](https://rallycu.com/expert/louisa-j-barajas/) - Texas-born with deep Mexican roots, I proudly embrace both my Southern heritage and diverse background. As a devoted Army wife and mother of two, family and community are at the core of my values. Whether cheering at the ball fields, enjoying lake gatherings, or savoring weekend BBQs with loved ones, creating memories is what I
- [Linda Rosas](https://rallycu.com/expert/linda-rosas-2/) - I was born and raised in Corpus Christi, TX. I have been helping South Texans with their financial needs for over 20+ years, I now have the privilege of working with Rally CU for the past 4 years as a Home Loan Officer helping families in the Coast Bend and surrounding areas become homeowners whether
- [Karina Vargas](https://rallycu.com/expert/karina-vargas/) - Hi! I’m Karina Vargas. Originally from Mexico, I moved to Southern California and have called the Rio Grande Valley home since July 2012. I’ve been in the banking industry since 2001, specializing in home lending since 2006. Over the past 20 years, I’ve had the privilege of helping many wonderful families achieve their dream of
- [Jonathan A. Sanchez](https://rallycu.com/expert/jonathan-a-sanchez/) - With deep roots in the Rio Grande Valley and over 20 years of mortgage industry experience, I bring a trusted, community-first approach to every member interaction. As a seasoned Home Loan Officer at Rally Credit Union, I am dedicated to empowering individuals and families on their journey to homeownership—whether they’re buying their first home, refinancing,
- [Evelyn E. Garcia](https://rallycu.com/expert/evelyn-e-garcia/) - As a proud Corpus Christi loan Officer and multi-year Coastal Bend Top Producer, I am passionate about helping families and individuals achieve their financial goals through homeownership. Whether it’s a first-time homebuyer, a growing family or a seasoned buyer, I’m committed to serving homeowners from all walks of life with expertise, transparency and care. My
- [Jasmine Prado](https://rallycu.com/expert/jasmine-prado/) - My name is Jasmine and I originated from Levelland, a tight-knit West Texas town twenty miles west of Lubbock, TX. I proudly embrace my Hispanic culture and my West Texas roots, however, my husband and baseball has relocated me and my children to the Coastal Bend. As a devoted mother of two, my core values
- [Abraham Acevedo](https://rallycu.com/expert/abraham-acevedo/) - I am honored to be a Home Loan Expert for the largest credit union in South Texas. We take pride in our core values and that’s what sets us apart from any other financial institution. My primary objective will be to guide, educate and advocate for you throughout your home loan journey. I will utilize
- [Priscilla B. Verastiqui](https://rallycu.com/expert/priscilla-b-verastiqui/) - With over two decades of experience in the financial industry, families in the Coastal Bend and Rio Grande Valley regions have been assisted in navigating their path to homeownership by our Digital Team. Our approach is built on a foundation of strong, long-term relationships with both clients and real estate partners. As a coach on
- [Miguel A. Urie](https://rallycu.com/expert/miguel-a-urie/) - My roots run deep within the heart of the Rio Grande Valley. Born and raised in Brownsville, Texas, I’m proud to be a part of this incredible community filled with diversity and beautiful cultures. For over a decade, I have contributed to many financial successes by educating and advocating those I serve. I’m grateful for
- [Maria Guerrero](https://rallycu.com/expert/maria-guerrero/) - I was born in Mexico, but Corpus Christi has been my home for over 43 years. It’s here that I’ve built both my family and my career one rooted in hard work, honesty, and a deep love for helping others. With more than 25 years in the mortgage and consumer lending industry, I’ve had the
- [Jennifer C. Martinez](https://rallycu.com/expert/jennifer-c-martinez/) - Born and raised in Corpus Christi, I am a wife, mother of three, and passionate advocate for helping families achieve the dream of homeownership. With over 13 years of experience in home lending, I’ve built my career on serving with heart and guiding families with care. As leader of the Coastal Bend Home Loan Origination
- [Norma Jean Justance](https://rallycu.com/expert/norma-jean-justance/) - With over three decades of experience in the credit union industry, I’ve dedicated my entire career to helping members achieve their financial goals. I’ve had the privilege of guiding individuals and families on their financial journeys. For the past 10 years, I’ve proudly served at Rally Credit Union, where I lead an incredible Home Lending
- [Kate Montagna](https://rallycu.com/expert/kate-montagna/) - Kate Montagna is a Sr. Business Relationship Manager at Rally. She had an unconventional path to banking, obtaining a bachelor’s degree in history from Texas A&M University-Corpus Christi. After graduation, she was offered a job at a mortgage brokerage, then moved to a community bank at the start of the recession. Kate joined the Rally
- [Maria Karaca](https://rallycu.com/expert/maria-karaca/) - Maria Karaca, Senior Vice President at Rally, brings over 20 years of business banking experience to her role. Since joining Rally Credit Union in 2016, Maria has been instrumental in managing the Member Business Department, overseeing commercial loan financing and business depository products and services. Her extensive credit knowledge and dedication to building strong relationships
- [Eduardo U. Arredondo](https://rallycu.com/expert/eduardo-u-arredondo/) - With over a decade of experience in banking and financial services, Eduardo U. Arredondo specializes in business lending, relationship management, and helping clients achieve their financial goals. He holds a B.A. in Economics, Management, and Business Administration from the University of Texas Rio Grande Valley. Eduardo has a proven track record of driving revenue growth,

## Locations

- [Rockport](https://rallycu.com/location/rockport/)
- [Kostoryz](https://rallycu.com/location/kostoryz/)
- [Alamo](https://rallycu.com/location/alamo-now-open/)
- [Mission](https://rallycu.com/location/mission/)
- [Calallen](https://rallycu.com/location/calallen/)
- [Brownsville (Morrison)](https://rallycu.com/location/brownsville-morrison/)
- [Beeville](https://rallycu.com/location/beeville/)
- [Airline](https://rallycu.com/location/airline/)
- [Aransas Pass](https://rallycu.com/location/aransas-pass/)
- [Crosstown](https://rallycu.com/location/crosstown/)
- [Flour Bluff](https://rallycu.com/location/flour-bluff/)
- [Kingsville](https://rallycu.com/location/kingsville/)
- [NAS](https://rallycu.com/location/nas/)
- [Northwest](https://rallycu.com/location/northwest/)
- [Portland](https://rallycu.com/location/portland/)
- [Real Estate Center](https://rallycu.com/location/real-estate-center/)
- [Spohn](https://rallycu.com/location/spohn/)
- [Harlingen](https://rallycu.com/location/harlingen/)
- [McAllen (Northcross)](https://rallycu.com/location/mcallen-northcross/)
- [McAllen (Northgate)](https://rallycu.com/location/mcallen-northgate/)
- [Palmhurst](https://rallycu.com/location/palmhurst/)
- [Weslaco](https://rallycu.com/location/weslaco/)
- [Pharr](https://rallycu.com/location/pharr/)

## Partner Dealers

- [Volkswagen of Corpus Christi](https://rallycu.com/partner_dealer/volkswagen-of-corpus-christi/)
- [Payne Rio Grande City CDJR](https://rallycu.com/partner_dealer/payne-rio-grande-city-cdjr/)
- [Alexander Ford](https://rallycu.com/partner_dealer/alexander-ford/)
- [Ford of Pleasanton](https://rallycu.com/partner_dealer/ford-of-pleasanton/)
- [Fredricksburg Chevrolet GMC](https://rallycu.com/partner_dealer/fredricksburg-chevrolet-gmc/)
- [Ford of Boerne](https://rallycu.com/partner_dealer/ford-of-boerne/)
- [Legacy Ford](https://rallycu.com/partner_dealer/legacy-ford/)
- [Port Lavaca Ford](https://rallycu.com/partner_dealer/port-lavaca-ford/)
- [Port Lavaca Chevrolet GMC](https://rallycu.com/partner_dealer/port-lavaca-chevrolet-gmc/)
- [Toyota of Laredo](https://rallycu.com/partner_dealer/toyota-of-laredo/)
- [Powell Watson Motors](https://rallycu.com/partner_dealer/powell-watson-motors/)
- [Three Rivers Ford](https://rallycu.com/partner_dealer/three-rivers-ford/)
- [Port Lavaca Dodge Chrysler Jeep](https://rallycu.com/partner_dealer/port-lavaca-dodge-chrysler-jeep/)
- [Bravo Honda](https://rallycu.com/partner_dealer/bravo-honda/)
- [Mercedes-Benz of Laredo](https://rallycu.com/partner_dealer/mercedes-benz-of-laredo/)
- [McGraw Ford](https://rallycu.com/partner_dealer/mcgraw-ford/)
- [Cantu Chevrolet](https://rallycu.com/partner_dealer/cantu-chevrolet/)
- [Sames Chevrolet](https://rallycu.com/partner_dealer/sames-laredo-chevrolet/)
- [Chrysler Dodge Jeep](https://rallycu.com/partner_dealer/laredo-chrysler-dodge-jeep/)
- [Charlie Clark Hyundai](https://rallycu.com/partner_dealer/charlie-clark-hyundai-laredo/)
- [Sames Ford Mazda](https://rallycu.com/partner_dealer/sames-ford/)
- [Sames Nissan](https://rallycu.com/partner_dealer/sames-nissan-laredo/)
- [Payne Pre-Owned Superstore](https://rallycu.com/partner_dealer/payn-pre-owned-superstore/)
- [Sames Harlingen Ford](https://rallycu.com/partner_dealer/sames-harlingen-ford/)
- [Sames McAllen Ford](https://rallycu.com/partner_dealer/sames-mcallen-ford/)
- [Toyota of Pharr](https://rallycu.com/partner_dealer/toyota-of-pharr/)
- [Mercedes-Benz of Harlingen](https://rallycu.com/partner_dealer/mercedes-benz-of-harlingen/)
- [Tipton Hyundai](https://rallycu.com/partner_dealer/tipton-hyundai/)
- [Payne Rio Grande City Ford](https://rallycu.com/partner_dealer/payne-rio-grande-city-ford/)
- [Bert Ogden Ford](https://rallycu.com/partner_dealer/bert-ogden-ford/)
- [Rio Motor Company](https://rallycu.com/partner_dealer/rio-motor-company/)
- [Sames Kia](https://rallycu.com/partner_dealer/sames-kia/)
- [Sames Honda](https://rallycu.com/partner_dealer/sames-honda/)
- [Don Davis Dealerships](https://rallycu.com/partner_dealer/don-davis-dealerships/)
- [Uvalde Chevrolet](https://rallycu.com/partner_dealer/uvalde-chevrolet/)
- [South San Antonio Buick GMC](https://rallycu.com/partner_dealer/south-san-antonio-buick-gmc/)
- [Payne Pre-Owned Edinburg](https://rallycu.com/partner_dealer/payne-pre-owned-edinburg/)
- [Payne Volkswagon Suzuki](https://rallycu.com/partner_dealer/payne-volkswagon-suzuki/)
- [Tipotex Chevrolet Inc.](https://rallycu.com/partner_dealer/tipotex-chevrolet-inc/)
- [Tipton Motors](https://rallycu.com/partner_dealer/tipton-motors/)
- [Yoder Hacienda Ford](https://rallycu.com/partner_dealer/yoder-hacienda-ford/)
- [Bert Ogden Nissan](https://rallycu.com/partner_dealer/bert-ogden-nissan/)
- [Fiesta Volvo of Edinburg](https://rallycu.com/partner_dealer/fiesta-volvo-of-edinburg/)
- [Weslaco Motors](https://rallycu.com/partner_dealer/weslaco-motors/)
- [Audi of San Juan](https://rallycu.com/partner_dealer/audi-of-san-juan/)
- [Bert Ogden Harlingen KIA](https://rallycu.com/partner_dealer/bert-ogden-harlingen-kia/)
- [Mercedes Benz of San Juan](https://rallycu.com/partner_dealer/mercedes-benz-of-san-juan/)
- [Weslaco Ford](https://rallycu.com/partner_dealer/weslaco-ford/)
- [Bert Ogden Motors - MAZDA](https://rallycu.com/partner_dealer/bert-ogden-motors-mazda/)
- [Spikes Motor Company](https://rallycu.com/partner_dealer/spikes-motor-company/)
- [Brownsville Honda](https://rallycu.com/partner_dealer/brownsville-honda/)
- [South Texas Buick GMC](https://rallycu.com/partner_dealer/south-texas-buick-gmc/)
- [Payne Chrysler Jeep Dodge Ram](https://rallycu.com/partner_dealer/payne-chrysler-jeep-dodge-ram/)
- [Bert Ogden Cadillac](https://rallycu.com/partner_dealer/bert-ogden-cadillac/)
- [Elliff Motors](https://rallycu.com/partner_dealer/elliff-motors/)
- [Elliff Motors Pharr](https://rallycu.com/partner_dealer/elliff-motors-pharr/)
- [Fiesta Chevrolet](https://rallycu.com/partner_dealer/fiesta-chevrolet/)
- [Fiesta Mercedes Motors DBA Bert Ogden Auto Outlet](https://rallycu.com/partner_dealer/fiesta-mercedes-motors-dba-bert-ogden-auto-outlet/)
- [Bert Ogden Infiniti](https://rallycu.com/partner_dealer/bert-ogden-infiniti/)
- [Fiesta Nissan](https://rallycu.com/partner_dealer/fiesta-nissan/)
- [Genesis Of Harlingen](https://rallycu.com/partner_dealer/genesis-of-harlingen/)
- [Gillman Chevrolet Buick GMC](https://rallycu.com/partner_dealer/gillman-chevrolet-buick-gmc/)
- [Gillman Honda](https://rallycu.com/partner_dealer/gillman-honda/)
- [Gillman Of Harlingen](https://rallycu.com/partner_dealer/gillman-of-harlingen/)
- [Hacienda Auto Outlet](https://rallycu.com/partner_dealer/hacienda-auto-outlet/)
- [Hyundai of Pharr](https://rallycu.com/partner_dealer/hyundai-of-pharr/)
- [Jaguar Land Rover San Juan](https://rallycu.com/partner_dealer/jaguar-land-rover-san-juan/)
- [Luke Fruia Motors](https://rallycu.com/partner_dealer/luke-fruia-motors/)
- [Bert Ogden Subaru](https://rallycu.com/partner_dealer/bert-ogden-subaru/)
- [North Park Lexus Rio Grande Valley](https://rallycu.com/partner_dealer/north-park-lexus-rio-grande-valley/)
- [Payne Mission](https://rallycu.com/partner_dealer/payne-mission/)
- [Payne Pre-Owned Harlingen](https://rallycu.com/partner_dealer/payne-pre-owned-harlingen/)
- [Payne Pre-Owned McAllen](https://rallycu.com/partner_dealer/payne-pre-owned-mcallen/)
- [Payne Pre-Owned McColl](https://rallycu.com/partner_dealer/payne-pre-owned-mccoll/)
- [Coastal Bend CDJR](https://rallycu.com/partner_dealer/coastal-bend-cdjr/)
- [Aztec Ford](https://rallycu.com/partner_dealer/aztec-ford/)
- [Acura Of The Rio Grande Valley](https://rallycu.com/partner_dealer/acura-of-the-rio-grande-valley/)
- [Bert Ogden Buick GMC](https://rallycu.com/partner_dealer/bert-ogden-buick-gmc/)
- [Bert Ogden Chevrolet](https://rallycu.com/partner_dealer/bert-ogden-chevrolet/)
- [Bert Ogden Harlingen Hyundai](https://rallycu.com/partner_dealer/bert-ogden-harlingen-hyundai/)
- [Bert Ogden BMW](https://rallycu.com/partner_dealer/bert-ogden-bmw/)
- [Bert Ogden Mission Mazda](https://rallycu.com/partner_dealer/bert-ogden-mission-mazda/)
- [Bert Ogden Sharyland DBA Bert Ogden Kia](https://rallycu.com/partner_dealer/bert-ogden-sharyland-dba-bert-ogden-kia/)
- [Bert Ogden Toyota](https://rallycu.com/partner_dealer/bert-ogden-toyota/)
- [Boggus Tipton CDJR](https://rallycu.com/partner_dealer/boggus-tipton-cdjr/)
- [Boswell Eliff Ford](https://rallycu.com/partner_dealer/boswell-eliff-ford/)
- [Brownsville Toyota](https://rallycu.com/partner_dealer/brownsville-toyota/)
- [Burns Motor Company](https://rallycu.com/partner_dealer/burns-motor-company/)
- [Charles Clark Chevrolet](https://rallycu.com/partner_dealer/charles-clark-chevrolet/)
- [Charlie Clark Nissan Brownsville](https://rallycu.com/partner_dealer/charlie-clark-nissan-brownsville/)
- [Charlie Clark Nissan Harlingen](https://rallycu.com/partner_dealer/charlie-clark-nissan-harlingen/)
- [Clark Knapp Honda](https://rallycu.com/partner_dealer/clark-knapp-honda/)
- [Ed Payne Motors](https://rallycu.com/partner_dealer/ed-payne-motors/)
- [Hicks Family Subaru](https://rallycu.com/partner_dealer/hicks-family-subaru/)
- [Lithia Chrysler Dodge Jeep Ram of Corpus Christi](https://rallycu.com/partner_dealer/lithia-chrysler-dodge-jeep-ram-of-corpus-christi/)
- [Mike Shaw Kia](https://rallycu.com/partner_dealer/mike-shaw-kia/)
- [Mike Shaw Toyota](https://rallycu.com/partner_dealer/mike-shaw-toyota/)
- [Neessen Automotive](https://rallycu.com/partner_dealer/neessen-automotive/)
- [Neessen CDJR](https://rallycu.com/partner_dealer/neessen-cdjr/)
- [North Corpus Christi Honda](https://rallycu.com/partner_dealer/north-corpus-christi-honda/)
- [Sames](https://rallycu.com/partner_dealer/sames/)
- [Superior Auto Sales](https://rallycu.com/partner_dealer/superior-auto-sales/)
- [Taggart Motors](https://rallycu.com/partner_dealer/taggart-motors/)
- [Ed Hicks Nissan](https://rallycu.com/partner_dealer/ed-hicks-nissan/)
- [Ed Hicks Family Nissan](https://rallycu.com/partner_dealer/ed-hicks-family-nissan/)
- [Hacienda Ford of Alice](https://rallycu.com/partner_dealer/hacienda-ford-of-alice/)
- [Corpus Christi Mitsubishi](https://rallycu.com/partner_dealer/corpus-christi-mitsubishi/)
- [Mazda of Corpus Christi](https://rallycu.com/partner_dealer/mazda-of-corpus-christi/)
- [Veteran Chevrolet](https://rallycu.com/partner_dealer/veteran-chevrolet/)
- [Hacienda Nissan](https://rallycu.com/partner_dealer/hacienda-nissan/)
- [Hacienda Ford of Kingsville](https://rallycu.com/partner_dealer/hacienda-ford-of-kingsville/)
- [Payne Alice CJDR](https://rallycu.com/partner_dealer/payne-alice-cjdr/)
- [Coastal Bend Ford](https://rallycu.com/partner_dealer/coastal-bend-ford/)
- [Access Ford Lincoln of Corpus Christi](https://rallycu.com/partner_dealer/access-ford-lincoln-of-corpus-christi/)
- [Al Willeford Chevrolet](https://rallycu.com/partner_dealer/al-willeford-chevrolet/)
- [Allen Samuels Chrysler Dodge Jeep Ram](https://rallycu.com/partner_dealer/allen-samuels-chrysler-dodge-jeep-ram/)
- [Aransas Autoplex](https://rallycu.com/partner_dealer/aransas-autoplex/)
- [Aztec Chevrolet GMC](https://rallycu.com/partner_dealer/aztec-chevrolet-gmc/)
- [Beck & Masten GMC Coastal](https://rallycu.com/partner_dealer/beck-masten-gmc-coastal/)
- [Principle BMW of Corpus Christi](https://rallycu.com/partner_dealer/principle-bmw-of-corpus-christi/)
- [Chrysler Dodge Jeep Ram of Calallen](https://rallycu.com/partner_dealer/chrysler-dodge-jeep-ram-of-calallen/)
- [Ed Hicks Imports](https://rallycu.com/partner_dealer/ed-hicks-imports/)
- [Ed Hicks INFINITI](https://rallycu.com/partner_dealer/ed-hicks-infiniti/)

## Quick Tips

- [Quick tip 3](https://rallycu.com/quick-tip/quick-tip-3/) - Testing random quick tip
- [Traveling](https://rallycu.com/quick-tip/traveling/) - Let Us Know if You're Traveling We limit debit card use and block suspicious activity in locations that have a high rate of fraud incidents. Let us know your travel plans in advanced by using Card Control within Online/Mobile Banking to minimize (or prevent) any inconvenience.
- [Phishing Emails](https://rallycu.com/quick-tip/phishing-emails/) - Phishing email messages, designed to get you to reveal personal information, are more sophisticated than ever. Red Flags to watch for: misspelled words or strange language unusual links or attachments mismatch sender name and email address

## Rate Fine Print

- [Business Saving (Share) Account](https://rallycu.com/rate-fine-print/business-saving-share-account/) - 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
- [Business Money Market Account](https://rallycu.com/rate-fine-print/business-money-market-account/) - 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,
- [General Disclosure for Business Rates ](https://rallycu.com/rate-fine-print/general-disclosure-for-business-rates/) - 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
- [Refi](https://rallycu.com/rate-fine-print/refi/) - For Refinancing: Borrowers who have at least 20% equity in their home Escrow is required for all loans > 90% loan to value
- [Home Loans](https://rallycu.com/rate-fine-print/home-loans/) - All home loans are subject to credit application, qualification and approval. Must qualify for membership upon approval. Rates are subject to change and are based on credit history, term and loan- to-value (LTV) ratio. Escrow accounts are mandatory for new home loans located within designated flood zones, secondary loans and portfolio home loans exceeding 90%
- [VA Tax Implication](https://rallycu.com/rate-fine-print/va-tax-implication/) - The interest on the portion of the loan that exceeds the value of the dwelling is not tax deductible and VA borrowers should consult their tax advisor.
- [Line of Credit](https://rallycu.com/rate-fine-print/line-of-credit/) - Line of Credit - All Lines of Credit are subject to credit application, qualification and approval. Must qualify for membership upon approval. Rates are subject to change and are based on credit history, collateral and loan to value. Rally Credit Union membership par value of $25 is required to be maintained in the Share Savings
- [Auto Loans](https://rallycu.com/rate-fine-print/auto-loans/) - Auto Loans - All loans are subject to credit application, qualification and approval. Must qualify for membership upon approval. Rates are subject to change and are based on credit history, collateral and loan to value. Terms of Repayment Example for Secured Loans: A $15,000 loan with a 48- month term at 6.99% APR equals a
- [Recreational Vehicle Loans](https://rallycu.com/rate-fine-print/recreational-vehicle-loans/) - Recreational Vehicle Loans - All loans are subject to credit application, qualification and approval. Must qualify for membership upon approval. Rates are subject to change and are based on credit history, collateral and loan to value. Terms of Repayment Example for Recreational Vehicle Secured Loans: A $15,000 loan with a 48- month term at 6.99%
- [Basic Savings Accounts ](https://rallycu.com/rate-fine-print/basic-savings-accounts/) - 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
- [Liberty Checking / Liberty Plus Checking ](https://rallycu.com/rate-fine-print/liberty-checking-liberty-plus-checking/) - 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
- [Individual Retirement Accounts (IRA) ](https://rallycu.com/rate-fine-print/individual-retirement-accounts-ira/) - 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 ](https://rallycu.com/rate-fine-print/money-market-accounts/) - 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
- [Home Savings Accounts ](https://rallycu.com/rate-fine-print/home-savings-accounts/) - 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.
- [Liberty Plus Savings Accounts ](https://rallycu.com/rate-fine-print/liberty-plus-savings-accounts/) - 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
- [APY](https://rallycu.com/rate-fine-print/apy/) - **APY = Annual Percentage YieldRate information: Prospective dividend and interest rates along with calculated APYs for accounts are set forth above as of (July 6, 2026). 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
- [Home Loan - Payment Examples](https://rallycu.com/rate-fine-print/home-loan-payment-examples/) - Payment examples do not include taxes, homeowners or private mortgage insurance premiums. The total mortgage payment may be greater than what is shown. Rates displayed are the "as low as" rates. The Purchase, Refinance and Texas Cash Out home loan scenarios are based on a downpayment of 40% or 60% LTV, credit score > 780
- [PMI - 95%](https://rallycu.com/rate-fine-print/pmi-95/) - For Home Purchase, VA and FHA: Private Mortgage Insurance (PMI) is required for all loans above 95% loan-to-value (LTV) ratio and secondary home loans exceeding an 80% LTV.
- [Personal Loans (Signature) ](https://rallycu.com/rate-fine-print/personal-loans-signature/) - Personal Loans - All loans are subject to credit application, qualification and approval. Must qualify for membership upon approval. Rates are subject to change and are based on credit history, collateral and loan to value. Terms of Repayment Example for Unsecured Personal Loan: A $15,000 loan with a 48-month term at 12.5% equals a $401.00
- [Deposit Secured (Loan)](https://rallycu.com/rate-fine-print/deposit-secured-loan/) - Deposit Secured - Fully secured by your Rally Savings account. Rates are subject to change and are based on credit history and term. For Certificate of Deposit Secured Loan, loan amount cannot exceed certificate balance. The annual percentage rate may vary. Terms of Repayment Example for Deposit-Secured Personal Loan: A $15,000 loan with a 48-month
- [Liberty 40X Higher](https://rallycu.com/rate-fine-print/liberty-40x-higher/) - "40X Better Earnings Than National Average" is calculated based on rates as of June 12, 2025. 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
- [Payment Calculators](https://rallycu.com/rate-fine-print/home-loan-calculators/) - Calculators are provided for illustrative purposes only. Rates are subject to change, and terms may vary based on your individual circumstances.
- [Courtesy Pay Opt-in](https://rallycu.com/rate-fine-print/courtesy-pay-opt-in/) - Must opt-in to Courtesy Pay to qualify for coverage.
- [Checking Account Comparison Chart](https://rallycu.com/rate-fine-print/checking-account-comparison-chart/) - To receive the high-interest rate, you must have a Rally Credit Union Debit Card with your Liberty/Liberty Plus Checking account and meet the monthly qualifications. 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
- [Liberty Qualifications:](https://rallycu.com/rate-fine-print/liberty-qualifications/) - Qualifications: Monthly qualification criteria applies to earned tier rate. Have and use a debit card for your Liberty Checking/Liberty Checking Plus Account Have 10 or more debit card purchases post and clear each cycle. Each transaction must be a minimum of $5.00 to qualify. Have at least 1 automatic payment or direct deposit post and clear each cycle.
- [APR](https://rallycu.com/rate-fine-print/apr/) - *APR = Annual Percentage Rate
- [Certificate of Deposit (CD) ](https://rallycu.com/rate-fine-print/certificate-of-deposit-cd/) - 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
- [Business Loans – Terms ](https://rallycu.com/rate-fine-print/business-loans-terms/) - Terms: 20-year amortization, 15-year call and 5-year rate adjustment | 20-year amortization, 15-year call and 10-year rate adjustments | 15-year amortization, 15-year fixed rate | 10-year amortization, 10-year rate adjustment
- [Business Checking Accounts ](https://rallycu.com/rate-fine-print/business-checking-accounts/) - In order for you to have a checking account, you must open a savings account. The savings account will establish membership for your entity allowing us to open a checking account. The minimum deposit requirement for opening the accounts is $25 in savings and $20 in checking.
- [3rd Party App Logos Trademarks](https://rallycu.com/rate-fine-print/3rd-party-app-logos-trademarks/) - Apple, the Apple logo, and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc. Android and Google Play are trademarks of Google Inc.
- [Mobile Deposit Time Frame](https://rallycu.com/rate-fine-print/mobile-deposit-time-frame/) - Mobile Check Deposits may take 24-48 hours to be credited to account.
- [Equity - Tax Advisor](https://rallycu.com/rate-fine-print/equity-tax-advisor/) - Contact your Tax advisor for details
- [Auto Loan Protection](https://rallycu.com/rate-fine-print/auto-loan-protection/) - These products are optional. Whether or not you purchase any protection or insurance plan will not affect your application for credit or the terms of any existing credit agreement you have with us. We will provide you with additional information before you are required to pay for any program. This information will include your cost
- [Truth in Savings PDF](https://rallycu.com/rate-fine-print/truth-in-savings-pdf/) - Truth In Savings PDF
- [Basic Checking and Flag Checking Rewards ](https://rallycu.com/rate-fine-print/basic-checking-and-flag-checking-rewards/) - The member must have a Rally Basic or Flag Checking account to qualify for Rewards. The checking account must be in good standing and qualify for a debit card to be eligible for the Rewards program. Liberty Checking accounts do not qualify for the Rewards Program.
- [Business Loans ](https://rallycu.com/rate-fine-print/business-loans/) - All loans are subject to credit application, qualification and approval. Must qualify for membership upon approval. Rates are subject to change and are based on credit history and term.
- [Business Rates Fine Print](https://rallycu.com/rate-fine-print/business-rates-fine-print/) - {Business Rates Fine Print}

## Rates

- [Signature Loan](https://rallycu.com/rate/signature-loan/)
- [Land - Lot Loan 15 Year](https://rallycu.com/rate/land-lot-loan-15-year/)
- [Land - Lot Loan 10 Year](https://rallycu.com/rate/land-lot-loan-10-year/)
- [Business CD 3 Year $100,000 + JUMBO](https://rallycu.com/rate/business-cd-36-month-100000-jumbo/)
- [Business CD 3 Year $1,000.00 - 99,999.99](https://rallycu.com/rate/business-cd-36-month-1000-00-99999-99/)
- [Business CD 2 Year $100,000 + JUMBO](https://rallycu.com/rate/business-cd-24-month-100000-jumbo/)
- [Business CD 2 Year $1,000.00 - 99,999.99](https://rallycu.com/rate/business-cd-24-month1000-00-99999-99/)
- [Business CD 1 Year $100,000 + JUMBO](https://rallycu.com/rate/business-cd-12-month-100000-jumbo/)
- [Business CD 1 Year $1,000.00 - 99,999.99](https://rallycu.com/rate/business-cd-12-month-1000-00-99999-99/)
- [Business CD 7 Month $100,000.00 +](https://rallycu.com/rate/business-cd-7-month-100000-00/)
- [Business CD 7 Month $1,000 +](https://rallycu.com/rate/business-cd-7-month-1000-00/)
- [Business CD 6 Month $100,000 + JUMBO](https://rallycu.com/rate/business-cd-6-month-100000-jumbo/)
- [Business CD 6 Month $1,000.00 - 99,999.99](https://rallycu.com/rate/business-cd-6-month-1000-00-99999-99/)
- [Business CD 3 Month $1,000 +](https://rallycu.com/rate/business-cd-3-month-1000-00/)
- [CD 9 Month $1,000.00 - 99,999.99](https://rallycu.com/rate/cd-9-month-1000-00-99999-99/)
- [CD 3 Year $100,000 + JUMBO](https://rallycu.com/rate/cd-36-month-100000-jumbo/)
- [CD 3 Year $1,000.00 - 99,999.99](https://rallycu.com/rate/cd-36-month-1000-00-99999-99/)
- [CD 2 Year $100,000 + JUMBO](https://rallycu.com/rate/cd-24-month-100000-jumbo/)
- [CD 2 Year $1,000.00 - 99,999.99](https://rallycu.com/rate/cd-24-month-1000-00-99999-99/)
- [CD 1 Year $100,000 + JUMBO](https://rallycu.com/rate/cd-12-month-100000-jumbo/)
- [CD 1 Year $1,000.00 - 99,999.99](https://rallycu.com/rate/cd-12-month-1000-00-99999-99/)
- [CD 7 Month $100,000 +](https://rallycu.com/rate/cd-7-month-100000-00/)
- [CD 7 Month $1,000 +](https://rallycu.com/rate/cd-7-month-1000-00/)
- [CD 6 Month $100,000 Jumbo](https://rallycu.com/rate/cd-6-month-100000-jumbo/)
- [CD 6 Month $1,000.00 - 99,999.99](https://rallycu.com/rate/cd-6-month-1000-00-99999-99/)
- [CD 3 Month $1,000 +](https://rallycu.com/rate/cd-3-month-1000-00/)
- [Auto/Motorcycle 0-84 Months](https://rallycu.com/rate/auto-motorcycle-0-84-months/)
- [Deposit Secured - CD](https://rallycu.com/rate/deposit-secured-cd/)
- [Recreational Vehicles 0-120](https://rallycu.com/rate/recreational-vehicles-0-120/)
- [Liberty Savings $250,001 +](https://rallycu.com/rate/liberty-savings-250001-2/)
- [IRA $50.00+](https://rallycu.com/rate/ira-50-00/)
- [Business Checking - Simple](https://rallycu.com/rate/business-checking-simple/)
- [Business Checking - Plus](https://rallycu.com/rate/business-checking-plus/)
- [Liberty Savings $0 – 99,999.99](https://rallycu.com/rate/liberty-savings-0-99999-99/)
- [Liberty Checking  $0 - 25,000](https://rallycu.com/rate/liberty-checking-0-01-25000/)
- [FHA- Purchase/Refinance 30 Year Term](https://rallycu.com/rate/fha-purchase-refinance-30-year-term/)
- [FHA- Purchase/Refinance 20 Year Term](https://rallycu.com/rate/fha-purchase-refinance-20-year-term/)
- [FHA- Purchase/Refinance 15 Year Term](https://rallycu.com/rate/fha-purchase-refinance-15-year-term/)
- [VA - Purchase/Refinance 30 Year Term](https://rallycu.com/rate/va-purchase-refinance-30-year-term/)
- [VA - Purchase/Refinance 20 Year Term](https://rallycu.com/rate/va-purchase-refinance-20-year-term/)
- [VA - Purchase/Refinance 15 Year Term](https://rallycu.com/rate/va-purchase-refinance-15-year-term/)
- [Super Jumbo ($1 Million or Greater) 30 Year](https://rallycu.com/rate/super-jumbo-1-million-or-greater-30-year/)
- [Super Jumbo ($1 Million or Greater) 20 Year](https://rallycu.com/rate/super-jumbo-1-million-or-greater-20-year/)
- [Super Jumbo ($1 Million or Greater) 15 Year](https://rallycu.com/rate/super-jumbo-1-million-or-greater-15-year/)
- [Jumbo Loan ($766,551 -$999,999) 30 Year](https://rallycu.com/rate/jumbo-loan-766551-999999-30-year/)
- [Jumbo Loan ($766,551 -$999,999) 20 Year](https://rallycu.com/rate/jumbo-loan-766551-999999-20-year/)
- [Jumbo Loan ($766,551 -$999,999) 15 Year](https://rallycu.com/rate/jumbo-loan-766551-999999-15-year/)
- [Construction to Perm One Time Close 30 Year](https://rallycu.com/rate/construction-to-perm-one-time-close-30-year/)
- [Construction to Perm One Time Close 20 year](https://rallycu.com/rate/construction-to-perm-one-time-close-20-year/)
- [Construction to Perm One Time Close 15 Year](https://rallycu.com/rate/construction-to-perm-one-time-close-15-year/)
- [Second Lien Refi Cash Out Refinance 20 Year](https://rallycu.com/rate/second-lien-refi-cash-out-refinance-20-year/)
- [Second Lien Refi Cash Out Refinance 15 Year](https://rallycu.com/rate/second-lien-refi-cash-out-refinance-15-year/)
- [Homestead - Refinance Cash Out Refinance 30 Year](https://rallycu.com/rate/homestead-refinance-cash-out-refinance-30-year/)
- [Homestead – Refinance Cash Out Refinance 20 Year](https://rallycu.com/rate/homestead-refinance-cash-out-refinance-20-year/)
- [Homestead - Refinance Cash Out Refinance 15 Year](https://rallycu.com/rate/homestead-refinance-cash-out-refinance-15-year/)
- [Homestead - Home Purchase 30 Year](https://rallycu.com/rate/homestead-home-purchase-30-year/)
- [Homestead - Home Purchase 20 Year](https://rallycu.com/rate/homestead-home-purchase-20-year/)
- [Homestead - Home Purchase 15 Year](https://rallycu.com/rate/homestead-home-purchase-15-year/)
- [Liberty Checking $25,000 +](https://rallycu.com/rate/liberty-checking-25000/)
- [IRA 2 Year $100,000+ JUMBO](https://rallycu.com/rate/ira-24-month-100000-jumbo/)
- [IRA 2 Year $1,000.00 - 99,999.99](https://rallycu.com/rate/ira-24-month-1000-00-99999-99/)
- [IRA 1 Year $100,000+ JUMBO](https://rallycu.com/rate/ira-12-month-100000-jumbo/)
- [IRA 1 Year $1,000.00 - 99,999.99](https://rallycu.com/rate/ira-12-month-1000-00-99999-99/)
- [Liberty Checking $0.00+](https://rallycu.com/rate/liberty-checking-0-00/)
- [Liberty Savings $0](https://rallycu.com/rate/liberty-savings-0/)
- [Business Money Market $250,000+](https://rallycu.com/rate/business-money-market-250000/)
- [Business Money Market $100,000-249,999.99](https://rallycu.com/rate/business-money-market-100000-249999-99/)
- [Business Money Market $50,000 – 99,999.99](https://rallycu.com/rate/business-money-market-50000-99999-99/)
- [Money Market $250,000.00 +](https://rallycu.com/rate/money-market-250000-00/)
- [Money Market $100,000.00 - 249,999.99](https://rallycu.com/rate/money-market-100000-00-249999-99/)
- [Money Market $50,000 - 99.999.99](https://rallycu.com/rate/money-market-50000-99-999-99/)
- [Liberty Savings $100,000 – 249,999.99](https://rallycu.com/rate/liberty-savings-250001/)
- [Money Market $0 – 49,999.99](https://rallycu.com/rate/money-market-0-49999-99/)
- [Deposit Secured 37-48 Months](https://rallycu.com/rate/deposit-secured-37-48-months/)
- [Deposit Secured 0 - 36 Months](https://rallycu.com/rate/deposit-secured-0-36-months/)
- [Liberty Checking $0.01 & Over if qualifications not met](https://rallycu.com/rate/liberty-checking-0-01-over-if-qualifications-not-met/)
- [Business Money Market $0-49,000](https://rallycu.com/rate/business-money-market-0-49000/)
- [Business Share Savings $50+](https://rallycu.com/rate/business-share-savings-50/)
- [Home Savings $50.00 +](https://rallycu.com/rate/home-savings-50-00/)
- [Basic Savings $50.00 +](https://rallycu.com/rate/basic-savings-50-00/)
- [Member Business Loans (Non-Homestead /Purchase/Refinance/Equity)](https://rallycu.com/rate/member-business-loans-non-homestead-purchase-refinance-equity/)

## Testimonials

- [Julia Graham](https://rallycu.com/testimonial/julia-graham-2/) - I have always enjoyed being a part of helping our members achieve their financial goals from getting their first car, helping their children afford school, taking that special vacation, or helping someone build their credit. We are champions for our members.”
- [Esmer Pompa](https://rallycu.com/testimonial/esmer-pompa/) - Rally has provided me with all the resources to lead a successful Title Department that services our members efficiently and effectively. I have been with Rally Credit Union since 2004 and I’m proud to work for an organization that promotes self-development and truly cares about their employees
- [Kate Montagna](https://rallycu.com/testimonial/kate-montagna/) - At Rally we always strive to help our business members find solutions instead of turning them away to find one on their own. I’m proud to work for a local company that helps local businesses succeed!
- [Carrie Tschirhart](https://rallycu.com/testimonial/carrie-tschirhart/) - Improve lives. Drive possibilities. Let’s do this!" — Carrie Tschirhart, Chief Financial Officer
- [Anita Cadena](https://rallycu.com/testimonial/anita-cadena/) - At Rally, we aim to be honest and forthright—in our conversations, decisions, and outcomes. We seek to do what’s right for our members, our community, and our team, even when it requires extra effort. This commitment shapes how we serve, how we innovate, and how we support one another. It’s the pride we bring to
- [Ashley Smith](https://rallycu.com/testimonial/ashley-smith/) - We RALLY for our members. We RALLY for our team. We RALLY for our community.” — Ashley Smith, Chief Marketing Officer
- [Shannon Srp](https://rallycu.com/testimonial/shanon-srp-chief-technology-officer/) - At Rally, excellence fuels our drive to continually improve how we serve one another and our members. We have high standards, we always look for ways to improve, and we take a lot of pride in our work. " — Shannon Srp, Chief Technology Officer
- [Dana Sisk](https://rallycu.com/testimonial/dana-sisk/) - We believe that caring for our members starts with caring for our employees. We are committed to helping each individual achieve their personal career goals." — Dana Sisk, President
- [Roman Escobar](https://rallycu.com/testimonial/roman-escobar/) - At Rally Credit Union, our members are at the heart of everything we do. We go beyond transactions to build trust, improve lives, and stand by you when it matters most. You’re more than a member—you’re our purpose." — Roman Escobar, Chief Lending Officer, Mortgage
- [Dan Dibble](https://rallycu.com/testimonial/dan-dibble/) - Rally CU is dedicated to meeting the financial needs of our members. We work tirelessly to find financial solutions to serve our membership and help them achieve their goals.” — Dan Dibble, Chief Lending Officer – Consumer Commercial
- [Cyndy Ramos](https://rallycu.com/testimonial/cyndy-ramos/) - We at Rally have the shared value of giving our Personal Best to both our members and co-workers day in and day out!” — Cyndy Ramos, Chief Operations Officer
- [Virginia Whitham](https://rallycu.com/testimonial/virginia-whitham/) - Our purpose—Improving Lives and Driving Possibilities—extends to both our members and our team. It’s more than a statement; it’s the foundation of our culture and the values we share. Together, we create opportunities, foster growth, and strengthen the communities we serve.” — Virginia Whitham, Chief Human Resources Officer
- [Stephanie Brevig](https://rallycu.com/testimonial/stephanie-brevi/) - Rally has provided me with the opportunity to grow and excel within the credit union. From part time teller in 2007 during my final year of college to developing and learning skills in many departments within Rally, I am happy to say I love the career Rally has allowed me to create!
- [Rafael Vera](https://rallycu.com/testimonial/rafael-vera/) - It is immensely fulfilling to work for the community’s first financial needs provider. I assist members in preserving their banking relationship, which helps Rally continue offering fantastic services that enhance lives. Working for Rally allows me to maintain a healthy work-life balance so that I can support and care for my family.
- [Alissa Gonzales](https://rallycu.com/testimonial/alissa-gonzales/) - I love working for Rally Credit Union. I’ve been with the credit union since 1999 and still going! I have a fulfilling career that brings me joy, purpose, and endless possibilities while being surrounded by peers that have the same values as me!
- [Trish Lerma](https://rallycu.com/testimonial/trish-lerma/) - Since 2006, I have had the privilege of working alongside incredible people who are the driving force behind Rally Credit Union’s success. They are dedicated to making Rally the top choice for our members’ financial needs. We are a close-knit family on a mission, and I wouldn’t have it any other way.

## All FAQs

- [Can I open an account for a minor online?](https://rallycu.com/frequently-asked-questions/can-i-open-an-account-for-a-minor-online/) - A minor account cannot be opened online, but a Member Service Representative at any branch can open a minor account during lobby business hours.
- [Did Rally send me a text message?](https://rallycu.com/frequently-asked-questions/did-rally-send-me-a-text-message/) - Rally Credit Union does send SMS text messages to our members to inform them of information that may affect their account. These messages can be about varying topics like fraud, loans, or other important information. The SMS text number can vary and we discourage members from replying back with any personal identifying information when replying.
- [What is the One Big Beautiful Bill Act?](https://rallycu.com/frequently-asked-questions/what-is-the-one-big-beautiful-bill-act/) - The One Big Beautiful Bill Act is a federal tax reform package signed into law in 2025. It includes a range of consumer-focused tax benefits—one of the most notable being the deduction of interest on new auto loans. Under the Act, qualified buyers can deduct up to $10,000 per year in interest on new auto loans for U.S.-assembled vehicles purchased and
- [What are the 2026 Holiday Closings?](https://rallycu.com/frequently-asked-questions/what-are-the-2026-holiday-closings/) - New Year's Day — Thursday, January 1, 2026Martin Luther King Jr. Day — Monday, January 19, 2026President's Day — Monday, February 16, 2026Memorial Day — Monday, May 25, 2026Juneteenth — Friday, June 19, 2026Independence Day — Saturday, July 4, 2026Labor Day — Monday, September 7, 2026Columbus Day — Monday, October 12, 2026Veteran's Day — Wednesday,
- [Can I have more than one Liberty Checking Account?](https://rallycu.com/frequently-asked-questions/can-i-have-more-than-one-liberty-checking-account/) - No. A member is allowed one (1) Liberty Checking account per social security number.
- [What are the wiring instructions, fees and times wires are sent out?](https://rallycu.com/frequently-asked-questions/what-are-the-wiring-instructions-fees-and-times-wires-are-sent-out/) - Please provide the following to the institution to wire funds to Rally Credit Union. Routing number 314978543 Your account number Your physical address The fee for an outgoing wire is $25. We do not charge you to accept an incoming wire.All incoming and outgoing wires are reviewed and processed from 8:30am - 5:00pm. Incoming wires will
- [How do I make a loan payment?](https://rallycu.com/frequently-asked-questions/how-do-i-make-a-loan-payment/) - You can make a loan payment several ways. The best and easiest way is to use Rally's Online Banking to transfer from an existing Rally account. Learn How to make a payment from another financial institution.
- [How can I prevent debit card phishing fraud?](https://rallycu.com/frequently-asked-questions/how-can-i-prevent-debit-card-phishing-fraud/) - Phishing happens when scammers use emails, phone calls or text messages to trick you into giving up financial information, they can be very convincing and appear to be calling or emailing from Rally Credit Union Best to contact us directly using information on the back of your debit card or credit union website DO NOT
- [How can I prevent debit card hacking fraud?](https://rallycu.com/frequently-asked-questions/how-can-i-prevent-debit-card-hacking-fraud/) - Hacking happens when scammers use key logging software to capture everything you type. Use strong passwords and turn on multi-factor authentication if available Keep operating system and internet browser updated Only enter debit card information using secure websites accessed via private Wi-Fi networks DO NOT use the same password for several logins, especially online banking
- [How can I prevent debit card skimming fraud?](https://rallycu.com/frequently-asked-questions/how-can-i-prevent-debit-card-skimming-fraud/) - Skimming happens when scammers install a device and camera on at an ATM, point of sale or fuel pump terminal to capture card data and PIN then they make a fake card with this data Best to use a terminal that is supervised or secured at all times If you must use an unsupervised terminal,
- [How can I detect debit card fraud?](https://rallycu.com/frequently-asked-questions/how-can-i-detect-debit-card-fraud/) - Access the Smart Card feature within the Rally Credit Union app, add all Rally debit cards issued to you and set up real time transaction alerts to quickly identify unauthorized transactions. For additional protection/prevention, you can also set up card controls to block: Locations that do not match my phone's location In store transactions outside
- [What if I detect debit card fraud?](https://rallycu.com/frequently-asked-questions/what-if-i-detect-debit-card-fraud/) - Consumers will not be responsible for unauthorized debit card transactions if notification is timely made in accordance with our account agreement. Please contact us as soon as possible to report any fraudulent activity. To dispute the fraudulent activity and request a replacement card, you can visit any of our branches or reach us at 1-800-622-3631
- [What if Rally notifies me that my debit card was compromised?](https://rallycu.com/frequently-asked-questions/what-if-i-rally-notifies-me-that-my-debit-card-was-compromised/) - Periodically, Rally Credit Union is notified that a compromise has occurred affecting its debit card holder(s). This typically means that card information (i.e. card number, member name, CVV, expiration date) has been obtained by an unauthorized source at a merchant or through a merchant's processor (i.e. grocery store, online store, restaurant). When this happens, the
- [How do I opt-in to text message fraud alerts?](https://rallycu.com/frequently-asked-questions/how-do-i-opt-in-to-text-message-fraud-alerts/) - To enroll, please respond YES to the initial enrollment request text message.
- [How do I order loan coupons?](https://rallycu.com/frequently-asked-questions/how-do-i-order-loan-coupons/) - You can request by calling 361-986-4500 or 800-622-3631 or email info@rallycu.com
- [What is the Liberty Qualification Cycle?](https://rallycu.com/frequently-asked-questions/what-is-the-liberty-qualification-cycle/) - Qualification Cycle and Minimum Activity Qualifications ? 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
- [Can I have a Rally ATM card and a Rally MasterCard® Debit Card?](https://rallycu.com/frequently-asked-questions/can-i-have-a-rally-atm-card-and-a-rally-mastercard-debit-card/) - No. Once you've received and activated your Rally Mastercard® Debit Card, your Savings ATM Card will be closed. You should destroy your Savings ATM Card and conduct all ATM transactions using your Rally debit card to protect yourself from fraud.
- [Why can't I select fast cash at an ATM using my ATM card?](https://rallycu.com/frequently-asked-questions/why-cant-i-select-fast-cash-at-an-atm-using-my-atm-card/) - The fast cash option at ATMs automatically defaults to withdrawal from a checking account. Because your Rally Savings ATM card can access only the funds in your savings account, it won't work with the fast-cash option. Instead, select the withdraw option, then select your savings account as the account for your withdrawal.
- [Can I transfer funds using my ATM card?](https://rallycu.com/frequently-asked-questions/can-i-transfer-funds-using-my-atm-card/) - No, you can't transfer money between savings and checking using your Rally Savings ATM card because it can access only the funds in your Rally savings account. If you have a Rally checking account and want to transfer funds between your savings and checking accounts using an ATM, you can request an Rally MasterCard® debit
- [Where can I use my Rally Savings ATM Card?](https://rallycu.com/frequently-asked-questions/where-can-i-use-my-rally-savings-atm-card/) - ATM card can only be used at ATMs to check your balance, transfer money, withdraw cash or make a deposit (at deposit taking ATMs only). They can't be used to pay for purchases online or in-person.
- [I have authorized a merchant to automatically withdraw payments from my savings account or Money Market Account; do these count against my monthly limit?](https://rallycu.com/frequently-asked-questions/i-have-authorized-a-merchant-to-automatically-withdraw-payments-from-my-savings-account-or-money-market-account-do-these-count-against-my-monthly-limit/) - Yes. These payments (which you might know as ACH or EFT transactions) follow Regulation D limitations. Any withdrawals attempted beyond your monthly limit will not be honored, and you will receive a notice by mail and incur a non-sufficient funds charge. To avoid this situation, make automatic payments using a checking account. Contact the merchant
- [When will the linked external loan payment made within online/mobile banking reflect on my loan balance?](https://rallycu.com/frequently-asked-questions/when-will-the-linked-external-loan-payment-made-within-online-mobile-banking-reflect-on-my-loan-balance/) - External transfers set up before 2pm on a business day will post the next business day. External transfers set up after 2pm on a business day will post two business days later. For example:External loan payment set up on Monday before 2pm CST— loan payment will post on TuesdayExternal loan payment set up on Monday
- [How do I reset my password?](https://rallycu.com/frequently-asked-questions/how-do-i-reset-my-password/) - In order to reset your password, please select Forgot Password option. This area will allow you to enter in your Login ID and to retrieve a SAC to verify your account and authorize a password update.
- [What is CardFree Cash?](https://rallycu.com/frequently-asked-questions/what-is-cardfree-cash/) - CardFree Cash lets you access cash at ATMs without a debit card. Use your mobile device to generate an access code. Use together with your PIN and you're ready to pick up your cash at any participating ATM across the country. Find them at popmoneylocator.com.
- [How does CardFree Cash work?](https://rallycu.com/frequently-asked-questions/how-does-cardfree-cash-work/) - In our Rally Smart Card app, select CardFree Cash icon in the Card Details screen. After, accepting the terms and conditions, determine the withdrawal amount and click Get Code. The code is entered in a PopMoney® compatible ATM to get the funds.
- [How do I find a Popmoney® ATM to use CardFree Cash?](https://rallycu.com/frequently-asked-questions/how-do-i-find-a-popmoney-atm-to-use-cardfree-cash/) - The ATM Locator is available on the Smart Card app. Select the "CardFree Cash" icon and select the Find A CardFree Location link. Nationwide Access More than 33,000 ATMs (including Rally ATMs), supports our members when they are traveling. You can also find an ATM at popmoneylocator.com.
- [Can I join the TXCC, if I am already a member?](https://rallycu.com/frequently-asked-questions/can-i-join-the-txcc-if-i-am-already-a-member/) - Yes! Existing members of Rally can join the TXCC by visiting texasconsumercouncil.org and clicking the JOIN NOW button. Enter the code RALLY to join TXCC at no cost.
- [What do I need to notify Rally about a death?](https://rallycu.com/frequently-asked-questions/what-do-i-need-to-notify-rally-about-a-death/) - You will need a copy of the death certificate. Verify if beneficiary(s) are on file. If they are not, a Letter of Testamentary is also needed, a copy of beneficiary(s) assigned individuals valid ID and instructions on where to mail the check.
- [How do I access Online Banking if I have forgotten my password?](https://rallycu.com/frequently-asked-questions/how-do-i-access-online-banking-if-i-have-forgotten-my-password/) - Visit rallycu.com, click on LOG IN (top right corner) then enter your Login ID. You will then click on forgot your password? and follow the prompts to reset.
- [How do I add an external account to Online Banking?](https://rallycu.com/frequently-asked-questions/how-do-i-add-an-external-account-to-online-banking/) - Log into Online Banking Click the Menu (top left corner) Select Services Choose "Add External Account" Add Your Account: Enter the account information for your other financial institution Verify Your Account: After you receive your micro-deposit amounts, log back into Online Banking, return to Add External Account, and enter the deposit amounts to activate your
- [What is the nearest shared branch to my location?](https://rallycu.com/frequently-asked-questions/what-is-the-nearest-shared-branch-to-my-location/) - Search for shared branches Enter your Zip Code or specific address to locate a participating Shared Branch closest to your location.
- [What is the difference between available balance and current balance?](https://rallycu.com/frequently-asked-questions/what-is-the-difference-between-available-balance-and-current-balance/) - Your Available Balance is what is actually available for you to spend, your Current Balance is the available balance plus any pending transactions on the account.
- [How can I be set up for electronic Statements?](https://rallycu.com/frequently-asked-questions/how-can-i-be-set-up-for-electronic-statements/) - Login to your online banking account, click on the menu bar, select "Services" then select, "Statement" you will be asked to validate your email a new window will appear, and you will select the profile shaped icon and manager your choice under the section "Delivery" you will have the option of "Online Only" or "Paper
- [Where can I access the Loan Payments service?](https://rallycu.com/frequently-asked-questions/where-can-i-access-the-loan-payments-service/) - Click any dropdown menu on our website and find it in the right-side toolbox, or in the footer of any page. Loan Payments is also available on the Mobile Banking app and Online Banking under Transactions.
- [My debit card is expiring, when will I get my renewal?](https://rallycu.com/frequently-asked-questions/my-debit-card-is-expiring-when-will-i-get-my-renewal/) - Renewal debit cards will be mailed a month prior to expiration.
- [How can I pay my loan?](https://rallycu.com/frequently-asked-questions/how-can-i-pay-my-loan/) - You have several options to make a loan payment. In Person at any Rally Credit Union branch; By Mail to: Rally Credit UnionPO Box 81349Corpus Christi, TX 78468; By setting up a recurring payment pulled from your other financial institution. Call 1-800-622-3631 to set up; Through Online Banking or the Mobile Banking app. Transfer monies
- [What is the Rally Credit Union routing number? ](https://rallycu.com/frequently-asked-questions/what-is-the-rally-credit-union-routing-number/) - 314978543
- [Where can I find my account number?](https://rallycu.com/frequently-asked-questions/where-can-i-find-my-member-number/) - Once signed into your online banking, select the account tile you need the account number for. Click on “Details and Settings” which will provide the full account number.
- [Who can I send money to with Zelle®?](https://rallycu.com/frequently-asked-questions/who-can-i-send-money-to-with-zelle/) - You can send money to friends, family and others you trust even if they have a different bank or credit union.1 1 U.S. checking or savings account required to use Zelle®. Transactions between enrolled users typically occur in minutes and generally do not incur transaction fees. Since money is sent directly from your Rally account
- [How can I transfer money to an external account or use Zelle® with Rally Credit Union?](https://rallycu.com/frequently-asked-questions/how-can-i-transfer-money-to-an-external-account-or-use-zelle-with-rally-credit-union/) - You have a couple of convenient options to transfer funds from your Rally account to another financial institution through online banking. Option 1: Add an External Account To link an external account for transfers: Log in to your Rally online banking account Go to: Menu > Services > Manage External Accounts Choose one of the
- [Will the person I send money to through Zelle® be notified?](https://rallycu.com/frequently-asked-questions/will-the-person-i-send-money-to-through-zelle-be-notified/) - Yes! They will receive an email or text message notification via the email or U.S. mobile number they used to enroll with Zelle®.
- [What types of payments can I make with Zelle®?](https://rallycu.com/frequently-asked-questions/what-types-of-payments-can-i-make-with-zelle/) - Zelle® is a great way to send money to family, friends, and people you are familiar with such as your personal trainer, babysitter or neighbor. Since money is sent directly from your Rally account to another person’s bank account within minutes, Zelle® should only be used to send money to friends, family and others you
- [What is Zelle®?](https://rallycu.com/frequently-asked-questions/what-is-zelle/) - Zelle® is a fast, safe and easy way to send money directly between almost any bank or credit union account in the U.S., typically within minutes. With just an email address or U.S. mobile phone number, you can send money to people you trust, regardless of where they bank.
- [What if I want to send money to someone whose bank or credit union doesn't offer Zelle®?](https://rallycu.com/frequently-asked-questions/what-if-i-want-to-send-money-to-someone-whose-bank-or-credit-union-doesnt-offer-zelle/) - See a full list of participating banks and credit unions live with Zelle® If your recipient’s bank or credit union isn’t on the list, don’t worry! The list of participating financial institutions is always growing, and your recipient can still use Zelle® by downloading the Zelle® app for Android and iOS. To enroll with the
- [What if I get an error message when I try to enroll an email address or U.S. mobile number for Zelle®?](https://rallycu.com/frequently-asked-questions/what-if-i-get-an-error-message-when-i-try-to-enroll-an-email-address-or-u-s-mobile-number-for-zelle/) - Your email address or U.S. mobile phone number may already be enrolled with Zelle® at another bank or credit union. Call our customer support team and ask them to move your email address or U.S. mobile phone number to Rally Credit Union so you can use it for Zelle®. Once customer support moves your email
- [Someone sent me money with Zelle®, how do I receive it?](https://rallycu.com/frequently-asked-questions/someone-sent-me-money-with-zelle-how-do-i-receive-it/) - If you have already enrolled with Zelle®, you do not need to take any further action. The money will be sent directly into your Rally account, typically within minutes. If you have not yet enrolled with Zelle®, follow these steps: Click on the link provided in the payment notification you received via email or text
- [Is my information secure with Zelle®?](https://rallycu.com/frequently-asked-questions/is-my-information-secure-with-zelle/) - Keeping your money and information safe is a top priority for Rally. When you use Zelle® within our mobile app or online banking, your information is protected with the same technology we use to keep your Rally account safe.
- [I'm unsure about using Zelle® to pay someone I don't know. What should I do?](https://rallycu.com/frequently-asked-questions/i’m-unsure-about-using-zelle-to-pay-someone-i-don’t-know-what-should-i-do/) - If you don’t know the person or aren’t sure you will get what you paid for (for example, items bought from an online bidding or sales site), you should not use Zelle®. These types of transactions are potentially high risk (just like sending cash to a person you don’t know is high risk). Neither Rally
- [How long does it take to receive money with Zelle®?](https://rallycu.com/frequently-asked-questions/how-long-does-it-take-to-receive-money-with-zelle/) - For a Zelle® payment to be successfully delivered, the recipient must be enrolled in Zelle using the exact email address or mobile number the funds were sent to. Depending on the situation: If the recipient is already enrolled, the payment is typically deposited within minutes. If the recipient is not yet enrolled, they’ll need to
- [How does Zelle® work?](https://rallycu.com/frequently-asked-questions/how-does-zelle-work/) - When you enroll with Zelle® through the Rally app, your name, the name of your credit union, and the email address or U.S. mobile number you enrolled is shared with Zelle® (no sensitive account details are shared – those stay with Rally). When someone sends money to your enrolled email address or U.S. mobile number,
- [How do I use Zelle®?](https://rallycu.com/frequently-asked-questions/how-do-i-use-zelle/) - You can send, request, or receive money with Zelle®. To get started, log into your Rally Credit Union (Rally) online banking or mobile app and select Menu, then select “Send Money with Zelle®”. Accept Terms and Conditions, enter your email address or U.S. mobile phone number, receive a one-time verification code, enter it, accept terms
- [How do I get started with Zelle®?](https://rallycu.com/frequently-asked-questions/how-do-i-get-started-with-zelle/) - It’s easy — Zelle® is already available within your Rally mobile app and online banking! Check our app or sign-in online and follow a few simple steps to enroll with Zelle® today.
- [Are there any fees to send money using Zelle®?](https://rallycu.com/frequently-asked-questions/are-there-any-fees-to-send-money-using-zelle/) - Rally does not charge any fees to use Zelle® with your personal checking account.
- [Are there any limits for sending and receiving money with Zelle®?](https://rallycu.com/frequently-asked-questions/are-there-any-limits-for-sending-and-receiving-money-with-zelle/) - The amount of money you can send, as well as the frequency is set by each participating financial institution. To determine Rally send limits, call our customer service at 1-800-622-3631. There are no limits to the amount of money you can receive with Zelle®. However, remember that the person sending you money will most likely
- [Can I cancel a Zelle® payment?](https://rallycu.com/frequently-asked-questions/can-i-cancel-a-zelle-payment/) - You can only cancel a payment if the person you sent money to hasn’t yet enrolled with Zelle®. To check whether the payment is still pending because the recipient hasn’t yet enrolled, you can go to your activity page, choose the payment you want to cancel, and then select “Cancel This Payment.” If you do
- [Can I pay a small business with Zelle®?](https://rallycu.com/frequently-asked-questions/can-i-pay-a-small-business-with-zelle/) - Some small businesses are able to receive payments with Zelle®. Ask your favorite small business if they accept payments with Zelle®. If they do, you can pay them directly from your Rally mobile app using just their email address or U.S. mobile number. Neither Rally nor Zelle® offers a protection program for any authorized payments
- [Can I use Zelle® internationally?](https://rallycu.com/frequently-asked-questions/can-i-use-zelle-internationally/) - In order to use Zelle®, the sender and recipient’s bank or credit union accounts must be based in the U.S.
- [How do I order checks?](https://rallycu.com/frequently-asked-questions/how-do-i-order-checks/) - Log on to your Online/Mobile Banking Account. Under the "More" menu, select Check Reorder and follow the prompts. You can also order checks directly through our check provider- Harland Clarke by calling 877-585-8777.
- [What other ways can I apply, if I don't have access to a computer?](https://rallycu.com/frequently-asked-questions/what-other-ways-can-i-apply-if-i-dont-have-access-to-a-computer/) - You can apply on any mobile device or visit your nearest branch and request a paper application.
- [What does the pre-employment process entail?](https://rallycu.com/frequently-asked-questions/what-does-the-pre-employment-process-entail/) - Rally checks criminal background Conducts drug screening Performs reference checks Verify Rally account status
- [What is the Smart Card Privacy Policy?](https://rallycu.com/frequently-asked-questions/what-is-the-smart-card-privacy-policy/) - Our Privacy Policy for our Smart Card app can be found here.
- [What do I do when I lock myself out of Online Banking?](https://rallycu.com/frequently-asked-questions/what-do-i-do-when-i-lock-myself-out-of-online-banking/) - If you’re locked out, you can request to unlock your account right from the app or online banking. Just select “Forgot Login ID”, then on the next screen choose the “Unlock” tab under Account Recovery. Enter the requested information so we can help get your account unlocked.
- [I lost my debit card. What do I do?](https://rallycu.com/frequently-asked-questions/i-lost-my-debit-card-what-do-i-do/) - You can request a replacement card through Smart Card options in the mobile banking app. A secure digital version of your debit card can be added to your mobile wallet instantly, so you can start using it before the physical card even arrives. See more about Smart Card management and how to access here.
- [Can I cancel or dispute a pending debit card transaction?](https://rallycu.com/frequently-asked-questions/can-i-cancel-or-dispute-a-pending-debit-card-transaction/) - Thank you for reaching out to Rally Credit Union. While we understand the urgency, pre-authorized debit card transactions that are still pending cannot be canceled or stopped by Rally. If the charge is no longer on hold and has cleared your account, we recommend contacting the merchant directly to request a cancellation. If the merchant
- [What is the max time I can finance a vehicle for at the dealership?](https://rallycu.com/frequently-asked-questions/what-is-the-max-time-i-can-finance-a-vehicle-for-at-the-dealership/) - Our current maximum term is 72 months. Learn more about auto loan terms and rates.
- [What is needed to get another loan?](https://rallycu.com/frequently-asked-questions/what-is-needed-to-get-another-loan/) - Members can call 361-986-4500 or 800-622-3631 to speak to a representative regarding applying for another loan. Applications can also be submitted online.
- [Do I need a loan coupon to make a payment?](https://rallycu.com/frequently-asked-questions/do-i-need-a-loan-coupon-to-make-a-payment/) - No, you can set up payments through your Rally Online Banking account or make payments from another financial institution. Click here to find out how.
- [Why can't I use my Android 8.x device to access my account?](https://rallycu.com/frequently-asked-questions/why-cant-i-use-my-android-8-x-device-to-access-my-account/) - Our mobile banking app will no longer support the usage of all Android 8.x devices effective July 13, 2023. What does this mean? Periodically, app updates require a minimum phone operating system. In order to access and use the Rally online banking app, the app store will disclose the minimum versions for both Apple and
- [Will anything else change with the name changing?](https://rallycu.com/frequently-asked-questions/will-anything-else-change/) - The name and some branding are the only things changing. That means you can expect branch signage, eStatements, debit cards, mobile apps, etc. to eventually be updated. But our mission, values and who we are at the heart of our credit union will stay the same.
- [What is my Login ID?](https://rallycu.com/frequently-asked-questions/what-is-my-login-id/) - Your login ID is your username created at the time of online banking enrollment, If you do not remember your login ID. Select "Forgot Login ID" on the login page.
- [How do I update my address on my account?](https://rallycu.com/frequently-asked-questions/how-do-i-update-my-address-on-my-account/) - To complete your change of address please complete any one of the following options: Log in to Online or Mobile Banking, click on "More" and Update Contact Info. Complete the Docusign Address Change Form Download and fill out the address change form at rallycu.com under Form Downloads and email it to info@rallycu.com. You may also
- [Is there a fee to open a savings account?](https://rallycu.com/frequently-asked-questions/is-there-a-fee-to-open-a-savings-account/) - No. There is no fee to join!
- [How do I export my transactions In Online Banking?](https://rallycu.com/frequently-asked-questions/how-do-i-export-my-transactions-in-online-banking/) - You can export transactions from the Account Details page to a file format that you select. Export formats vary depending on the settings. Currently, you can export in online banking, but not mobile banking. To export transactions from the Account Details view: (Optional) On the Account Details page, narrow the results by either searching transactions or using
- [How can I activate my new debit card?](https://rallycu.com/frequently-asked-questions/how-can-i-activate-my-new-debit-card/) - Call 1-800-992-3808 from the phone number on file with Rally. This can also be done through Smart Card!
- [How can I place a stop payment?](https://rallycu.com/frequently-asked-questions/how-can-i-place-a-stop-payment/) - Log in to Online Banking. Under the "More" menu click on Stop Payment. The fee to place a stop payment is $30.00. A stop payment takes 24 hours to be placed on your account.
- [Why did I not qualify for my Liberty Checking dividends?](https://rallycu.com/frequently-asked-questions/why-did-i-not-qualify-for-my-liberty-checking-dividends/) - Dividends will be posted on the last day of the month. Qualifying transactions must post and clear during the activity cycles listed below: See qualification cycle dates
- [What happens after the Forbearance Period has expired?](https://rallycu.com/frequently-asked-questions/what-happens-after-the-forbearance-period-has-expired/) - The suspended payments will be due in full. If you recover and can afford to pay your payments as agreed, thank you! If you are unable to pay your payments and need more time or other alternatives, please contact us at 1-866-397-5370 or visit our Loan Solution Center to request additional assistance.
- [How does a repayment plan work?](https://rallycu.com/frequently-asked-questions/how-does-a-repayment-plan-work/) - Missed payments are divided into manageable amounts and spread out over time. By catching up as soon as possible, you keep a temporary problem from having longer-term effects. It may be less damaging to your credit score than a foreclosure sale. Important considerations:During the repayment period, your payments may be much higher than your regular
- [Will my credit be affected during a forbearance?](https://rallycu.com/frequently-asked-questions/will-my-credit-be-affected-during-a-forbearance/) - Loans that are in forbearance with missed payments will NOT be reported to credit bureaus. Borrowers that do make their regular payments will be reported regularly.
- [What is a Forbearance Agreement?](https://rallycu.com/frequently-asked-questions/what-is-a-forbearance-agreement/) - Temporary Hardship typically results in a forbearance or repayment plan. Here's what you need to know about both programs and how they help you get through a temporary hardship. How does a forbearance work?A forbearance plan reduces or suspends the amount of your regular home loan mortgage payment if a life event is expected to
- [When can I speak with a home preservation specialist?](https://rallycu.com/frequently-asked-questions/when-can-i-speak-with-a-home-preservation-specialist/) - Home preservation specialists are available Monday – Friday, 9 am to 5 pm CST.
- [Will there be a charge to get help?](https://rallycu.com/frequently-asked-questions/will-there-be-a-charge-to-get-help/) - No. There should never be a fee to obtain assistance or information about foreclosure prevention options from your mortgage servicer. Never send a home loan payment to a company other than the one listed on your monthly mortgage statement. Beware of scams and anyone offering to help you for a fee.
- [Does Rally offer notary services?](https://rallycu.com/frequently-asked-questions/does-rally-offer-notary-services/) - Yes, we offer notary services to members and non-members at no additional cost.
- [How will I know if I didn't get the position?](https://rallycu.com/frequently-asked-questions/how-will-i-know-if-i-didnt-get-the-position/) - You will receive an email notification, but please don't let that stop you. We are always looking for great candidates and you can try again.
- [Do I need to remember my login credentials when I create my candidate profile?](https://rallycu.com/frequently-asked-questions/do-i-need-to-remember-my-log-in-credentials-when-i-create-my-candidate-profile/) - Yes. Please keep your login credentials to your candidate profile. You will need to log in to see the status of your application or sign your offer letter.
- [Who can access Business Online Banking? ](https://rallycu.com/frequently-asked-questions/who-can-access-business-online-banking/) - Business Banking service is available for any Rally Credit Union member with a business account. This offers great flexibility, as businesses can grant either full or limited use of these services to employees or accountants as needed.
- [Have you calculated what your monthly mortgage should be?](https://rallycu.com/frequently-asked-questions/have-you-calculated-what-your-monthly-mortgage-should-be/) - As a starting point, you can figure a monthly payment that is about 25% of your take-home pay, which should include taxes and insurance. The costs associated with home ownership go beyond just your principal and interest. Additional expenses may include property taxes, insurance, homeowner’s association fees, and utilities, such as electricity, gas and water.
- [Have you saved for a down payment?](https://rallycu.com/frequently-asked-questions/have-you-saved-for-a-down-payment/) - Your home loan will require a down payment that acts as a deposit. The down payment gives you immediate equity in the home and indicates your financial stability. Our home loans have a wide range of down payment options. The amount of your down payment will affect the interest rate, closing costs and monthly payment.
- [Why do I see a $0.00 pre-authorized hold?](https://rallycu.com/frequently-asked-questions/why-do-i-see-a-0-00-pre-authorized-hold/) - This appears to be a verification hold that was preauthorized on your debit card to ensure the card is open and active. We typically see this type of preauthorization processed by merchants who have your card information saved for future or recurring transactions. This is not an actual transaction, simply a verification hold. If you
- [How do I dispute a debit card transaction with Rally Credit Union?](https://rallycu.com/frequently-asked-questions/how-do-i-dispute-a-debit-card-transaction-with-rally-credit-union/) - If the charge is no longer pending and has cleared your account, we recommend first contacting the merchant directly to resolve the issue. If the merchant is not able to assist, you can dispute the transaction in one of three ways: Online Banking Log into your online banking account Go to your checking account’s transaction
- [How can I place a travel notice?](https://rallycu.com/frequently-asked-questions/how-can-i-place-a-travel-notice/) - You are now able to place a travel notice via online banking/mobile app. Once logged in follow these steps to submit online: Menu > Smart Card > Manage Travel Plans
- [Is there a limit on mobile deposits?](https://rallycu.com/frequently-asked-questions/is-there-a-limit-on-mobile-deposits/) - We do have a mobile deposit feature you can use to deposit checks made payable to yourself for up to $10,000.00. These checks are not immediate credit and can take 24-48 hours to post to your account. This feature is only available via the Rally app and can be found by selecting the following. Menu
- [Does Rally sell/exchange foreign currency?](https://rallycu.com/frequently-asked-questions/does-rally-exchange-foreign-currency/) - We do not provide foreign currency services including accepting, providing, exchange or converting foreign currency.
- [Does Rally offer a coin counter?](https://rallycu.com/frequently-asked-questions/does-rally-offer-a-coin-counter/) - Branches currently do not have a coin counting machine but may accept rolled coins. Coin sleeves/papers can be requested from Rally tellers at a branch to roll coins in order to prepare a deposit.
- [Does Rally offer a medallion stamp?](https://rallycu.com/frequently-asked-questions/does-rally-offer-a-medallion-stamp/) - No, we do not offer a medallion stamp.
- [Have you reviewed your finances?](https://rallycu.com/frequently-asked-questions/have-you-review-your-finances/) - Review the current state of your debt: credit cards, auto loans, student loans and personal loans. Your credit score can be a key indicator of your readiness for home ownership. Before you meet with a Home Loan Expert, collect your most recent monthly statements for your checking and savings accounts, as well as statements for any
- [What are the steps to link an external account and set up my loan payment?](https://rallycu.com/frequently-asked-questions/what-are-the-steps-to-link-an-external-account-and-set-up-my-loan-payment/) - In our online/mobile banking, members can link their account by selecting Menu>Services>Add External Account and complete three easy steps. Step 1: Complete the external account information by entering the external account number, select the account type, and entering a routing number. Step 2: Within one to three business days members will receive two micro deposits
- [How long is the transactional information available with Business Online Banking? ](https://rallycu.com/frequently-asked-questions/how-long-is-the-transactional-information-available-with-business-online-banking/) - You can access your transactional information for both the current and previous statement cycles. Please note that a minimum of 90 days of transaction account history will be available for your review.
- [What documents are required to open a business account?](https://rallycu.com/frequently-asked-questions/what-documents-are-required-to-open-a-business-account/) - Click here for full list of required documents
- [What financials are required for a business loan?](https://rallycu.com/frequently-asked-questions/what-financials-are-required-for-a-business-loan/) - Personal and business tax returns (most recent three years) Personal Financial Statement Year to date balance sheet and profit/loss statement Copies of current leases (if applicable) Debt Schedule (if applicable)
- [Is there a charge for Mobile Banking or Mobile Deposit?](https://rallycu.com/frequently-asked-questions/is-there-a-charge-for-mobile-banking-or-mobile-deposit/) - Business Mobile Banking and Business Mobile Deposit are free to all Rally Credit Union Business Online Banking users.
- [How do I sign up for Business Online Banking? ](https://rallycu.com/frequently-asked-questions/how-do-i-sign-up-for-business-online-banking/) - To get started, contact a Rally Credit Union Business Representative to learn how to sign-up for this service. We are committed to working with you to establish the appropriate plan and service levels tailored to your individual business needs.
- [I have an interview but I can't remember the name of the contact person.](https://rallycu.com/frequently-asked-questions/i-have-an-interview-but-i-cant-remember-the-name-of-the-contact-person/) - Please check your confirmation interview email. The contact person's name will be in the email.
- [What are processing cut-off times?](https://rallycu.com/frequently-asked-questions/what-are-processing-cut-off-times/)
- [When will the loan payment be processed?](https://rallycu.com/frequently-asked-questions/when-will-the-loan-payment-be-processed/) - Payments processed through the loan payment center may take up to 48 business hours to be credited to your loan.
- [Is there a charge to use Loan Payments?](https://rallycu.com/frequently-asked-questions/is-there-a-charge-to-use-loan-payments/) - If you make a loan payment by ACH (electronic debit), or electronic check, there is no charge. If a payment is made by debit or credit card there is a $15.00 fee.
- [Do I have to be a member to use the Loan Payments service?](https://rallycu.com/frequently-asked-questions/do-i-have-to-be-a-member-to-use-the-loan-payments-service/) - No. Non-members are able to take advantage of our Loan Payments service.
- [Can I use my Online Banking username and password to use the Loan Payment service?](https://rallycu.com/frequently-asked-questions/can-i-use-my-online-banking-username-and-password-to-use-the-loan-payment-service/) - No. You need to complete a one-time short registration process. Save your username and password for future payments.
- [Can I make multiple payments at one time?](https://rallycu.com/frequently-asked-questions/can-i-make-multiple-payments-at-one-time/) - No. Each payment must be entered separately.
- [Am I able to set up a one time and/or recurring external loan payment?](https://rallycu.com/frequently-asked-questions/am-i-able-to-set-up-a-one-time-and-or-recurring-external-loan-payment/) - Yes, both options are available to the member.
- [What types of checks can be processed through Business Mobile Banking? ](https://rallycu.com/frequently-asked-questions/what-types-of-checks-can-be-processed-through-business-mobile-banking/) - Most personal and business U.S. checks can be processed through Business Mobile Banking. Rally Credit Union's per check limit is $10,000.
- [What phones are supported for Business Mobile Banking? ](https://rallycu.com/frequently-asked-questions/what-phones-are-supported-for-business-mobile-banking/) - Apple iPhone® and all phones using the Android™ operating system are supported. The specific app for each operating system can be found at their respective app store.
- [What payables and receivables services do you offer?](https://rallycu.com/frequently-asked-questions/what-payables-and-receivables-services-do-you-offer/) - Whether it’s for collecting payment or making deposits, our Automated Clearing House (ACH) services provide improved cash flow efficiency and reduce the occurrence of check fraud.
- [What does “real-time” account information mean? ](https://rallycu.com/frequently-asked-questions/what-does-real-time-account-information-mean/) - Unlike other financial institutions that typically update their information one or two times a day, our service operates in “real time.” This means that your account balances and transactions are updated immediately as soon as items are processed by the Credit Union, ensuring you have access to the most current information available.
- [What can I do with Business Mobile Banking?](https://rallycu.com/frequently-asked-questions/what-can-i-do-with-business-mobile-banking/) - Business Mobile Banking allows you to: Review account history balances Pay bills Review transfers and payments Approve transactions Deposit checks on the go
- [Is Business Mobile Banking secure?](https://rallycu.com/frequently-asked-questions/is-business-mobile-banking-secure/) - Our service employs state-of-the-art encryption and login security measures designed to protect your accounts effectively. Additionally, it ensures that all user permissions assigned in the online version of your business banking account are seamlessly applied to mobile access. This integration not only enhances security but also provides a uniform experience across platforms.
- [How does Remote Deposit Capture work?](https://rallycu.com/frequently-asked-questions/how-does-remote-deposit-capture-work/) - Allows you to submit check images safely and securely from the comfort of your home or office. By using this convenient service, you can streamline your deposit process significantly, saving you time and effort.
- [How does Business Bill Pay work? ](https://rallycu.com/frequently-asked-questions/how-does-business-bill-pay-work/) - There are two basic steps involved in using Business Bill Pay to make online payments: Set up your payees. Schedule payments. When you first begin using the service, set up your payee list by adding the payees to whom you want to make payments. Some payees can also send electronic bills (e-bills). You only need
- [How do I get an access ID and password for Business Online Banking? ](https://rallycu.com/frequently-asked-questions/how-do-i-get-an-access-id-and-password-for-business-online-banking/) - Access IDs and passwords for your business online banking will be sent to you once your applications have been approved and your account setup is complete.
- [How do I endorse the checks I am depositing using Mobile Deposit?](https://rallycu.com/frequently-asked-questions/how-do-i-endorse-the-checks-i-am-depositing-using-mobile-deposit/) - Beginning July 1, 2018, the Federal Reserve requires all mobile deposit endorsements to contain the name of the institution to which the deposit is being made. This will prevent a check from being inadvertently deposited more than once to multiple institutions. When submitting a mobile check deposit, you must endorse the back of each check with your signature and “For
- [How can I make a deposit using Business Mobile Banking?](https://rallycu.com/frequently-asked-questions/how-can-i-make-a-deposit-using-business-mobile-banking/) - If you have an iPhone® or Android™ smart phone, simply download the application. Then, log in. Endorse all items as payable and print “For Mobile Deposit to Rally Credit Union.” Then key in the amount of the deposit, and take a picture of the front and back of the check. That’s it! Within seconds of
- [Can I download my business account history into financial management software? ](https://rallycu.com/frequently-asked-questions/can-i-download-my-business-account-history-into-financial-management-software/) - Yes, you can download information from your checking, savings, and loan accounts directly to your computer. This data can then be imported into various software applications, including Microsoft® Excel, QuickBooks®, and other commonly used programs. Please note that not all file formats are supported, so be sure to check compatibility with your chosen software.
- [Can I approve the transactions initiated by employees? ](https://rallycu.com/frequently-asked-questions/can-i-approve-the-transactions-initiated-by-employees/) - Yes. With Business Online Banking you can define access levels and set transfer limits for each user.
- [Why is my External Transfer in a Hold status?](https://rallycu.com/frequently-asked-questions/why-is-my-external-transfer-in-a-hold-status/) - If this is your first time completing an external transfer, this will be placed in a hold status. We will reach out to you directly to the phone number on file before 2pm following business day to complete transfer verification. Verification is also needed if you are changing your sending or receiving account.
- [What if I haven't received an enrollment email or I lost it?](https://rallycu.com/frequently-asked-questions/what-if-i-havent-received-an-enrollment-email-or-i-lost-it/) - Call a member service representative at 800-622-3631 or use our Live Chat feature for assistance.
- [I'm not a member. Can I do a cash advance at Rally?](https://rallycu.com/frequently-asked-questions/im-not-a-member-can-i-do-a-cash-advance-at-rally/) - Yes. Non-members are able to do cash advances at any branch with no charge from Rally.
- [What is a Rally ATM Card?](https://rallycu.com/frequently-asked-questions/what-is-a-rally-atm-card/) - A Rally ATM Card is a card that can be used at ATMs to give you access to the funds in your Rally Savings Account. ATM cards are issued only to members who do not have a Rally checking account debit card.
- [Do you offer Individual Retirement Accounts (IRAs)?](https://rallycu.com/frequently-asked-questions/do-you-offer-individual-retirement-accounts-iras/) - Yes. We offer Traditional, Roth and Coverdell (Educational). Visit any branch to see one of our Member Service Representatives to review account options.
- [Are my funds safe and secure?](https://rallycu.com/frequently-asked-questions/are-my-funds-safe-and-secure/) - Rally Credit Union is supervised by the National Credit Union Administration, commonly referred to as NCUA. NCUA, a federal government agency, also operates and manages the National Credit Union Share Insurance Fund (NCUSIF). Backed by the full faith and credit of the U.S. Government, NCUSIF insures the accounts of millions of account holders in all
- [Can I receive an ATM card for my Savings account?](https://rallycu.com/frequently-asked-questions/can-i-receive-an-atm-card-for-my-savings-account/) - Yes. We offer ATM cards for Savings Accounts holders only.
- [How do I enroll in online banking?](https://rallycu.com/frequently-asked-questions/how-do-i-enroll-in-online-banking/) - Visit rallycu.com and click on LOG IN. On the log in screen, click Enroll Personal and follow the prompts. To enroll a business account, please contact us directly at 1-800-622-3631.
- [Do I need to open a savings account in order to have a checking account?](https://rallycu.com/frequently-asked-questions/do-i-need-to-open-a-savings-account-in-order-to-have-a-checking-account/) - Yes. Opening a savings (share) account establishes your membership with Rally Credit Union.
- [Who can qualify for a VA Home Loan?](https://rallycu.com/frequently-asked-questions/who-can-qualify-for-a-va-home-loan/) - All active-duty military, retirees, and honorably discharged veterans are eligible for a VA Home Loan. This benefit can be used multiple times. The VA also has more flexible credit requirements, increasing the chances of approval.
- [What are the advantages of a VA Home Loan?](https://rallycu.com/frequently-asked-questions/what-are-the-advantages-of-a-va-home-loan/) - VA Home Loans require no down payment, offer lower interest rates compared to conventional loans, and do not require private mortgage insurance (PMI).
- [Are closing costs for a VA Loan different?](https://rallycu.com/frequently-asked-questions/are-closing-costs-for-a-va-loan-different/) - The VA works hard to limit the closing costs that veterans are required to bring to closing. The VA also charges a Funding Fee, which can be rolled into the loan, helping to reduce out-of-pocket expenses.
- [Which veterans are exempt from the VA funding fee?](https://rallycu.com/frequently-asked-questions/which-veterans-are-exempt-from-the-va-funding-fee/) - Veterans receiving any amount of service-connected disability compensation. Surviving spouses of veterans who died from a service-connected disability or during active service. Purple Heart recipients currently serving on active duty.
- [What type of Home Loans are offered through VA?](https://rallycu.com/frequently-asked-questions/what-type-of-home-loans-are-offered-through-va/) - VA Home Loans are available for purchases and refinances only. VA does not offer cash-out or home equity transactions in Texas.
- [How long does a VA loan take to close?](https://rallycu.com/frequently-asked-questions/how-long-does-a-va-loan-take-to-close/) - A VA loan typically closes within 30 days, similar to other Rally Credit Union loans. Once the loan is approved by the VA, we aim to close it within this timeframe.
- [Who can I contact for questions about VA Home Loans?](https://rallycu.com/frequently-asked-questions/who-can-i-contact-for-questions-about-va-home-loans/) - For new home loan inquiries, applications, or questions about a loan in progress, please apply online at rallycu.com/mortgage, visit a nearby branch, or contact us at 800-622-3631, ext. 1002.
- [How do members make payments?](https://rallycu.com/frequently-asked-questions/how-do-members-make-payments/) - Members can make payments at a branch with any Rally teller, over the phone, online, or through the Rally Credit Union mobile app, just as they do with other home loans.
- [How do I enroll in eStatements?](https://rallycu.com/frequently-asked-questions/how-do-i-enroll-in-estatements/) - To enroll or sign up for eStatements within our Digital Banking platform, please refer to our eStatement Enrollment Guide.
- [How do I access my online statement while using a Safari web browser?](https://rallycu.com/frequently-asked-questions/how-do-i-access-my-online-statement-while-using-a-safari-web-browser/) - To access your online statement using Safari, you may need to adjust your browser settings to allow third-party cookies and disable cross-site tracking. Follow these steps: Open the Safari Browser. Select the Safari Menu button at the top left corner of the page. Select Preferences. In the window that opens, click Privacy. Uncheck the box next to "Prevent
- [How do I request loan documents?](https://rallycu.com/frequently-asked-questions/how-do-i-request-loan-documents/) - You can request copies of loan documents to be sent via mail, email, fax or to a branch, by stepping into your nearest branch or calling 361-986-4500 or toll free 1-800-622-3631.
- [What is needed to open a checking account?](https://rallycu.com/frequently-asked-questions/what-is-needed-to-open-a-checking-account/) - Members with a savings account may request to open a checking account online which requires a $20 deposit and proof of address document. Existing members with a savings account may also open a checking account at their nearest branch with a valid identification card and a $20 deposit.
- [Who is the primary on the loan financed at a dealership if my co-signer has lower credit than me?](https://rallycu.com/frequently-asked-questions/who-is-the-primary-on-the-loan-financed-at-a-dealership-if-my-co-signer-has-lower-credit-than-me/) - The primary individual on the loan is the person who is first on the contract. Credit score does not affect this.
- [Where can I find the NCUA insurance estimator?](https://rallycu.com/frequently-asked-questions/where-can-i-find-the-ncua-insurance-estimator/) - By visiting the following link members can calculate their estimated share insurance coverage: Share Insurance Estimator
- [Where can I research Rally Credit Union within NCUA?](https://rallycu.com/frequently-asked-questions/where-can-i-research-rally-credit-union-within-ncua/) - Rally Credit Union details can be found here: Rally Credit Union NCUA Profile
- [What is the Texas Consumer Council (TXCC)?](https://rallycu.com/frequently-asked-questions/what-is-the-texas-consumer-council-txcc/) - The Texas Consumer Council is a non-profit membership organization dedicated to consumer advocacy, financial education and championing the rights of all consumers.
- [What does it cost to join the Texas Consumer Council (TXCC)?](https://rallycu.com/frequently-asked-questions/what-does-it-cost-to-join-the-texas-consumer-council-txcc/) - It is completely free. Rally covers all costs for the program for Rally Credit Union Members.
- [Why did the name change?](https://rallycu.com/frequently-asked-questions/why-did-the-name-change/) - While we loved our NavyArmy name, we learned that many people thought you had to be in the military to join. In addition, our credit union was often confused with Navy Federal Credit Union, which is military-only. We are deeply committed to the work we do here and believe the new name will make our
- [Is the credit union in financial trouble?](https://rallycu.com/frequently-asked-questions/is-the-credit-union-in-financial-trouble/) - No, the credit union is in great financial health. The decision to change the name was made to let people know that being in the military is not a requirement for becoming a member.
- [Was the credit union bought out or did it merge?](https://rallycu.com/frequently-asked-questions/was-the-credit-union-bought-out-or-did-it-merge/) - No, NavyArmy was not bought out and did not merge with another credit union. The NavyArmy Board of Directors, senior leadership, and staff made the decision to change the name.
- [How was the new name decided?](https://rallycu.com/frequently-asked-questions/how-was-the-new-name-decided/) - For two years, our team planned and researched extensively to choose the right name. Efforts included focus groups and interviews with staff, members, non-members, military and non-military to guide us through the renaming process.
- [Why Rally?](https://rallycu.com/frequently-asked-questions/why-rally/) - The name Rally says we’re all in. It represents the spirit of our credit union and what we’re most proud of: rallying behind members to help you achieve your financial goals. It’s positive, upbeat and a nod to our military past (think, “Rally the troops!”) And, most importantly: it welcomes everybody.
- [Is the credit union no longer affiliated with the military??](https://rallycu.com/frequently-asked-questions/is-the-credit-union-no-longer-affiliated-with-the-military/) - We love our military, but we were not created for them or to be exclusive to them. Our love and respect for the military will remain as it always has, and the new name and branding will honor our legacy.
- [Did members get to vote on the name change?](https://rallycu.com/frequently-asked-questions/did-members-get-to-vote-on-the-name-change/) - Current credit union law does not require a membership vote for a name change. However, the member-elected Board of Directors voted on and approved the new name. The Board is trusted by its members to make financially informed decisions for the success of the credit union.
- [How long is a CardFree Cash access code valid?](https://rallycu.com/frequently-asked-questions/how-long-is-a-cardfree-cash-access-code-valid/) - The access code is valid for 60 minutes.
- [How soon can a new account use CardFree Cash?](https://rallycu.com/frequently-asked-questions/how-soon-can-a-new-account-use-cardfree-cash/) - A newly opened checking account may use CardFree Cash the following business day.
- [Where can I find information about my Rewards for my checking account?](https://rallycu.com/frequently-asked-questions/where-can-i-find-information-about-my-rewards-for-my-checking-account/) - You are able to log in and view your rewards and points by visiting: https://www.rallycurewards.com/
- [How do I change my password online?](https://rallycu.com/frequently-asked-questions/how-do-i-change-my-password-online/) - Your password may be updated only under the Menu tab by selecting Setting and then Security preferences.
- [How do I update my SAC delivery method?](https://rallycu.com/frequently-asked-questions/how-do-i-update-my-sac-delivery-method/) - Your Secure Access Delivery (SAC) method may be updated within your mobile banking by selecting the Menu tab and then Setting, you will need to choose Security preferences to view the option to change your SAC Delivery.
- [How do I view my accounts online?](https://rallycu.com/frequently-asked-questions/how-do-i-view-my-accounts-online/) - To view your accounts online, you will need to enroll into online banking. Online banking can be accessed by completing the enrollment process using the link below. https://secure.rallycu.com/rallycu_E2E/enroll.html
- [Where is my mobile deposit?](https://rallycu.com/frequently-asked-questions/where-is-my-mobile-deposit/) - Mobile deposit is available for checks up to $10,000.00, Mobile deposit is not immediate credit and make take up to 24-48 hours to reflect in the account. Funds are subject to hold.
- [How do I link an external account?](https://rallycu.com/frequently-asked-questions/how-do-i-link-an-external-account/) - Once you are logged into your account, select "Services" from the left menu, then "Add External Account". You will need the routing number, account number and account type. Once you submit this information, two "micro" deposits will be sent to the external account within 5 days. Once you have received the deposits, make a note
- [Where is my direct deposit?](https://rallycu.com/frequently-asked-questions/where-is-my-direct-deposit/) - Deposits sent to your account using your routing and account number normally take up to 2 business days to post on your account. We advise you reach out to the sender to verify the account information the funds were sent to and when it was sent. You may contact us at 361-986-4500 or 1-800-622-3631 Monday-Friday
- [How do I change the transaction category on my account?](https://rallycu.com/frequently-asked-questions/how-do-i-change-the-transaction-category-on-my-account/) - To change the category, click the category icon that is currently displayed for the transaction within your Online banking transactions. A menu will appear on the right side of your screen with a search bar and a list of common categories. You may choose from any of the general categories, or even click the drop-down
- [How can I protect myself against fraud?](https://rallycu.com/frequently-asked-questions/how-can-i-protect-myself-against-fraud/) - We offer layers of protection for our members, CLICK HERE to find out how you can protect yourself from scams.
- [Can Business accounts use CardFree Cash?](https://rallycu.com/frequently-asked-questions/can-business-accounts-use-cardfree-cash/) - Not at this time.
- [Is there a fee to use CardFree Cash?](https://rallycu.com/frequently-asked-questions/is-there-a-fee-to-use-cardfree-cash/) - No, all CardFree Cash transactions are surcharge-free.
- [What is the maximum withdrawal limit for CardFree Cash?](https://rallycu.com/frequently-asked-questions/what-is-the-maximum-withdrawal-limit-for-cardfree-cash/) - The maximum limit to withdrawal is $500, the limit cannot be increased.
- [Can I open an account with a Social Security card noted for work purposes only?](https://rallycu.com/frequently-asked-questions/can-i-open-an-account-with-a-social-security-card-noted-for-work-purposes-only/) - Yes. A valid state issued ID or Passport is also required. A Texas state issued ID is preferred.
- [I am a resident alien. Can I open an account at Rally?](https://rallycu.com/frequently-asked-questions/i-am-a-resident-alien-can-i-open-an-account-at-rally/) - Yes. You must have a Social Security Number and show proof of residency and a utility bill (water or electric).
- [How old do I have to be to work at Rally?](https://rallycu.com/frequently-asked-questions/how-old-do-i-have-to-be-to-work-at-rally/) - Candidates must be 18 or older.
- [Am I required to have a college degree to work for Rally?](https://rallycu.com/frequently-asked-questions/am-i-required-to-have-a-college-degree-to-work-for-rally/) - The minimum required education for all positions is a high school diploma or equivalent. However, there are certain positions that require a college degree.
- [Does Rally provide training?](https://rallycu.com/frequently-asked-questions/does-rally-provide-training/) - Yes. If you are hired, Rally will provide you with the training that is necessary for your position.
- [How can I check the status of my application?](https://rallycu.com/frequently-asked-questions/how-can-i-check-the-status-of-my-application/) - Log into Career Portal and view the position you submitted an application for and you will see a status from our recruiters.
- [Does Rally offer tuition assistance?](https://rallycu.com/frequently-asked-questions/does-rally-offer-tuition-assistance/) - Yes. Rally offers tuition reimbursement.
- [How often does Rally receive notification from the Federal Reserve?](https://rallycu.com/frequently-asked-questions/how-often-does-rally-receive-notification-from-the-federal-reserve/) - Rally receives notifications at 7:00am, 11:00am, and 3:00pm, Monday-Friday, excluding Federal holidays.
- [Do I need to opt-in?](https://rallycu.com/frequently-asked-questions/do-i-need-to-opt-in/) - Members that have set up Direct Deposit to Rally will automatically receive the benefit of Early Pay Day. In order to receive this service, first verify that your employer offers Direct Deposit and complete the necessary paperwork provided by your employer. For assistance in completing the paperwork, you may call Rally at 1-800-622-3631 or visit
- [Will Loan Payments change?](https://rallycu.com/frequently-asked-questions/will-loan-payments-change/) - Early Pay Day is not a credit, loan, or an advance. Loan payments and loan payment due dates will not change with Early Pay Day and loan payments will be due on their normal due dates. You can also setup alerts in Online Banking that will notify you when your loan payment is due and
- [When should I set my loan payment to transfer?](https://rallycu.com/frequently-asked-questions/when-should-i-set-my-loan-payment-to-transfer/) - Rally recommends that loan payments post on the regularly scheduled pay date to ensure the transfer takes place. Rally cannot control when a Direct Deposit will post with the Federal Reserve.
- [How do I locate a CO-OP Shared Branch location?](https://rallycu.com/frequently-asked-questions/how-do-i-locate-a-co-op-shared-branch-location/) - To access your accounts at Shared Branches, you will need your Rally account number and a valid photo ID. To find ATM and Shared Branch locations near you, visit https://co-opcreditunions.org/ or 1-888-SITE-CO-OP (888-748-3266) Rally members can perform transactions at over 5,000 Shared Branch locations, including deposits, loan payments, loan advances, and much more, all without
- [What is the routing number?](https://rallycu.com/frequently-asked-questions/what-is-the-routing-number/) - 314978543
- [How much NCUA Coverage do I have as a member?](https://rallycu.com/frequently-asked-questions/how-much-ncua-coverage-do-i-have-as-a-member/) - $250,000.00 per individual depositor. To view this information, you may visit NCUA Insurance Brochure and this Share Estimator to calculate.
- [What is the wire fee and times for incoming/outgoing?](https://rallycu.com/frequently-asked-questions/what-is-the-wire-fee-and-times-for-incoming-outgoing/) - Wires are reviewed and processed from 8:30am - 5:00pm. Incoming wires are reviewed as they are received; Wires are released after validation and verification. Outgoing wires are reviewed 30 minutes after they have been submitted to allow for cancelation or modifications; If everything has been signed accordingly, wire will then be reviewed and released. Current Fee
- [Does Rally cash checks for non-members?](https://rallycu.com/frequently-asked-questions/does-rally-cash-checks-for-non-members/) - Rally only cashes checks that are drawn off of Rally accounts for non-members.
- [When are Letters of Testamentary required?](https://rallycu.com/frequently-asked-questions/when-are-letters-of-testamentary-required/) - A certified copy of Letters of Testamentary or Administration are required to resolve an account which has no beneficiary designation in order to properly distribute funds. This is in the case of a deceased family or friend that has named you as the executor of their estate.
- [Can I open an account online?](https://rallycu.com/frequently-asked-questions/can-i-open-an-account-online/) - Yes! To open an account with Rally, visit rallycu.com and click on Open an Account at the top.
- [Can I view my account statements through Online Banking?](https://rallycu.com/frequently-asked-questions/can-i-view-my-account-statements-through-online-banking/) - Yes, in Online Banking, click on Services, and then Statements. This is a free method of reviewing statements.
- [How can I enroll in Bill Payment?](https://rallycu.com/frequently-asked-questions/how-can-i-enroll-in-bill-payment/) - Log in to your Online Banking and select Transactions and Bill Payment and follow the prompts. Call 1-800-622-3631 if you need assistance.
- [What bills cannot be paid using Bill Payment?](https://rallycu.com/frequently-asked-questions/what-bills-cannot-be-paid-using-bill-payment/) - You cannot use Bill Payment to pay any company or person with an address outside the United States or its territories. You can use Bill Payment to make state and federal tax payments and court-ordered payments; however, such payments are discouraged and must be scheduled at your own risk.
- [Who do I contact if I have an issue with my Bill Payment?](https://rallycu.com/frequently-asked-questions/who-do-i-contact-if-i-have-an-issue-with-my-bill-payment/) - Member Service can be reached at 866-963-2198 between the hours of 6am to 12am CT seven days a week.
- [What is Bank by Phone?](https://rallycu.com/frequently-asked-questions/what-is-bank-by-phone/) - Bank by Phone is our free, Automated Response System, which allows members to access their account balances 24/7. Access by calling 1-800-622-3641.
- [What if I forget my PIN to Bank by Phone?](https://rallycu.com/frequently-asked-questions/what-if-i-forget-my-pin-to-bank-by-phone/) - Call 1-800-622-3631 so a member service representative may assist you in changing your PIN number.
- [Can an estate, business or non-profit organization open a Liberty Checking?](https://rallycu.com/frequently-asked-questions/can-an-estate-business-or-non-profit-organization-open-a-liberty-checking/) - No. Liberty Checking is only available for personal accounts.
- [How do I file a claim through my Flag Checking AD&D Insurance?](https://rallycu.com/frequently-asked-questions/how-do-i-file-a-claim-through-my-flag-checking-add-insurance/) - Please call Rally Credit Union at 1-800-622-3631 and a representative will get the appropriate documents sent to you.
- [What is the age to be eligible for a debit card?](https://rallycu.com/frequently-asked-questions/what-is-the-age-to-be-eligible-for-a-debit-card/) - A member must be 16 years of age to be eligible to receive a debit card.
- [What is the ATM withdrawal limit?](https://rallycu.com/frequently-asked-questions/what-is-the-atm-withdrawal-limit/) - The withdrawal limit for Rally ATMs is $500.
- [I see charges on my debit card that I did not make. What do I do?](https://rallycu.com/frequently-asked-questions/i-see-charges-on-my-debit-card-that-i-did-not-make-what-do-i-do/) - Please see a member service representative to dispute the transactions.
- [Who will be contacted for fraud on the account?](https://rallycu.com/frequently-asked-questions/who-will-be-contacted-for-fraud-on-the-account/) - The cardholder will be contacted at the number on file.

## Blocks

- [General Testimonials](https://rallycu.com/?oxy_user_library=general-testimonials)
- [Leadership Testimonials](https://rallycu.com/?oxy_user_library=leadership-testimonials)

## Timeline

- [2023](https://rallycu.com/timeline/2024-2/) - We changed our name to Rally Credit Union.
- [2024](https://rallycu.com/timeline/2024/) - We opened up membership eligibility to all Texans through a partnership with the Texas Consumer Council (TXCC).
- [Today](https://rallycu.com/timeline/today/) - We are Rally Credit Union, proudly serving 225,000+ members—and counting.
- [2009](https://rallycu.com/timeline/2009/) - We introduced Liberty Checking, providing an easy way for members to earn extra interest on their checking accounts.
- [2011](https://rallycu.com/timeline/2011/) - We began offering Mobile Banking, because life moves fast and members need access, 24/7.
- [Fall 2012](https://rallycu.com/timeline/fall-2012/) - We hit 100K members! (Woo-hoo!!)
- [2014](https://rallycu.com/timeline/2014/) - We welcomed members of County & Municipal Employees Credit Union (CMECU).
- [2021](https://rallycu.com/timeline/2021/) - We welcomed our 200,000th member!
- [2004](https://rallycu.com/timeline/2004/) - We opened membership to anyone who lives, works, worships or goes to school in a community we serve.
- [2019](https://rallycu.com/timeline/2019/) - We began the careful process of updating our name and brand to further welcome everyone in the community.
- [2012](https://rallycu.com/timeline/2012/) - We expanded our service area to the Rio Grande Valley and became NavyArmy Community Credit Union to clarify who we serve.
- [1990s](https://rallycu.com/timeline/1990s/) - We launched more branches, opened eligibility up to family members of current members and continued to grow!
- [1988](https://rallycu.com/timeline/1988/) - We grew immensely after a few strategic mergers and simplified our name to Navy Army Federal Credit Union.
- [1970s](https://rallycu.com/timeline/1970s/) - We continued to grow at a steady pace without any mergers or new facilities.
- [1966](https://rallycu.com/timeline/1966/) - We changed our name to Navy Army Federal Employees Federal Credit Union.
- [1955](https://rallycu.com/timeline/1955/) - We opened as Naval Employees Corpus Christi Federal CU to serve the civil service employees working at NAS Corpus Christi.
- [1957](https://rallycu.com/timeline/1957/) - We opened membership to uniformed military personnel.

## Categories

- [Uncategorized](https://rallycu.com/category/uncategorized/)
- [Security & Privacy](https://rallycu.com/category/security-privacy/)
- [Financial Tips](https://rallycu.com/category/financial-tips/)
- [Member News](https://rallycu.com/category/member-news/) - Announcements - Branch updates, board election, Resource and tool changes etc.
- [Digital Banking 101](https://rallycu.com/category/digital-banking-101/) - Use for Digital Banking Video tutorials
- [Leadership](https://rallycu.com/category/leadership/) - Testimonial Category
- [Staff Testimonials](https://rallycu.com/category/staff-testimonials/)
- [Security](https://rallycu.com/category/security/)
- [Financial Literacy](https://rallycu.com/category/financial-literacy/)
- [Mortgage Tip Tuesday](https://rallycu.com/category/mortgage-tip-tuesday/)
- [Security Spotlight](https://rallycu.com/category/security-spotlight/)
- [Home Loan Insights](https://rallycu.com/category/home-loan-insights/)

## Tags

- [Rio Grande Valley](https://rallycu.com/tag/rio-grande-valley/)
- [Coastal Bend](https://rallycu.com/tag/coastal-bend/)
- [home](https://rallycu.com/tag/home/)
- [home loans](https://rallycu.com/tag/home-loans/)
- [improvement loans](https://rallycu.com/tag/improvement-loans/)
- [VA](https://rallycu.com/tag/va/)
- [VA loan](https://rallycu.com/tag/va-loan/)
- [Veteran](https://rallycu.com/tag/veteran/)
- [zelle](https://rallycu.com/tag/zelle/)
- [money transfer](https://rallycu.com/tag/money-transfer/)
- [Text scams](https://rallycu.com/tag/text-scams/)
- [scams](https://rallycu.com/tag/scams/)
- [text message scams](https://rallycu.com/tag/text-message-scams/)
- [AI](https://rallycu.com/tag/ai/)
- [Voice Scams](https://rallycu.com/tag/voice-scams/)

## FAQ  Category

- [Home Loans Getting Started](https://rallycu.com/frequently-asked-questions-category/home-loans-getting-started/)
- [Checking & Debit Cards](https://rallycu.com/frequently-asked-questions-category/checking-debit-cards/)
- [Checking](https://rallycu.com/frequently-asked-questions-category/checking/)
- [Most Frequently Asked Questions](https://rallycu.com/frequently-asked-questions-category/most-frequently-asked-questions/)
- [Fraud](https://rallycu.com/frequently-asked-questions-category/fraud/)
- [Lost Or Stolen Card](https://rallycu.com/frequently-asked-questions-category/lost-or-stolen-card/)
- [Online Banking](https://rallycu.com/frequently-asked-questions-category/online-banking/)
- [Bank By Phone](https://rallycu.com/frequently-asked-questions-category/bank-by-phone/)
- [Savings](https://rallycu.com/frequently-asked-questions-category/savings/)
- [Loans](https://rallycu.com/frequently-asked-questions-category/loans/)
- [Loan Payments](https://rallycu.com/frequently-asked-questions-category/loan-payments/)
- [Locations](https://rallycu.com/frequently-asked-questions-category/locations/)
- [Resources](https://rallycu.com/frequently-asked-questions-category/resources/)
- [Membership](https://rallycu.com/frequently-asked-questions-category/membership/)
- [Careers](https://rallycu.com/frequently-asked-questions-category/careers/)
- [Early Pay Day](https://rallycu.com/frequently-asked-questions-category/early-pay-day/)
- [CardFree Cash](https://rallycu.com/frequently-asked-questions-category/cardfree-cash/)
- [ATM](https://rallycu.com/frequently-asked-questions-category/atm/)
- [Zelle®](https://rallycu.com/frequently-asked-questions-category/zelle/)
- [Name Change](https://rallycu.com/frequently-asked-questions-category/name-change/)
- [Auto Loans](https://rallycu.com/frequently-asked-questions-category/auto-loans/)
- [Texas Consumer Council](https://rallycu.com/frequently-asked-questions-category/texas-consumer-council/)
- [Home Loans](https://rallycu.com/frequently-asked-questions-category/home-loans/)
- [Business Banking](https://rallycu.com/frequently-asked-questions-category/business-banking/)

## FAQ Topics

- [Checking Accounts](https://rallycu.com/frequently-asked-questions-topics/checking-accounts/)
- [Savings](https://rallycu.com/frequently-asked-questions-topics/savings/)
- [Business](https://rallycu.com/frequently-asked-questions-topics/business/)
- [Loan Payments](https://rallycu.com/frequently-asked-questions-topics/loan-payments/)
- [Home Loan Payment Assistance](https://rallycu.com/frequently-asked-questions-topics/home-loan-payment-assistance/)