Upcoming Scheduled Maintenance: Rally Credit Union will be conducting essential system maintenance beginning on Saturday, October 25, 2025.
At Rally, you'll enjoy the most competitive rates and lowest fees on auto loans, personal loans and home loans.
| Term | APR* |
|---|---|
| 0 - 36 Months | 6.00 |
| 37 - 48 Months | 7.00 |
| CD | Deposit Rate +2% |
| Account Type | Term | Interest Rate (as low as) | APR (as low as) |
|---|---|---|---|
| Homestead - Home Purchase | 15 Year | 5.750 | 5.794 |
| Homestead - Home Purchase | 20 Year | 6.375 | 6.411 |
| Homestead - Home Purchase | 30 Year | 6.625 | 6.652 |
| Homestead - Refinance Cash Out Refinance | 15 Year | 5.750 | 5.794 |
| Homestead- Refinance Cash Out Refinance | 20 Year | 6.375 | 6.411 |
| Homestead - Refinance Cash Out Refinance | 30 Year | 6.625 | 6.652 |
| Second Lien Refi Cash Out Refinance | 15 Year | 7.750 | 7.861 |
| Second Lien Refi Cash Out Refinance | 20 Year | 8.375 | 8.468 |
| Land - Lot Loan | 10 Year | 8.125 | 8.322 |
| Land - Lot Loan | 15 Year | 8.375 | 8.518 |
| Land - Lot Loan | 20 Year | 9.000 | 9.120 |
| Construction to Perm One Time Close | 15 Year | 5.500 | 5.610 |
| Construction to Perm One Time Close | 20 Year | 6.125 | 6.214 |
| Construction to Perm One Time Close | 30 Year | 6.375 | 6.443 |
| Jumbo ($766,551-$999,999) | 15 Year | 6.250 | 6.265 |
| Jumbo Loan ($766,551 -$999,999) | 20 Year | 6.625 | 6.637 |
| Jumbo Loan ($766,551 -$999,999) | 30 Year | 6.875 | 6.884 |
| Super Jumbo ($1 Million or Greater) | 15 Year | 6.500 | 6.509 |
| Super Jumbo ($1 Million or Greater) | 20 Year | 6.875 | 6.882 |
| Super Jumbo ($1 Million or Greater) | 30 Year | 7.125 | 7.131 |
| VA Purchase Refinance | 15 Year | 5.750 | 5.823 |
| VA Purchase Refinance | 20 Year | 6.250 | 6.309 |
| VA Purchase Refinance | 30 Year | 6.375 | 6.434 |
| FHA Purchase Refinance | 15 Year | 5.750 | 6.306 |
| FHA Purchase Refinance | 20 Year | 6.250 | 6.700 |
| FHA Purchase Refinance | 30 Year | 6.375 | 6.718 |
| Term | Rate % as low as | APR%* as low as | Points | Loan Amount Example | Monthly Payment Example⁸ |
|---|---|---|---|---|---|
| 15 Year | 5.750% | 5.794% | 0.000% | $300,000.00 | $2,531.57 |
| 20 Year | 6.375% | 6.411% | 0.000% | $300,000.00 | $2,258.85 |
| 30 Year | 6.625% | 6.652% | 0.000% | $300,000.00 | $1,970.79 |
| Term | Rate % as low as | APR%* as low as | Points | Loan Amount Example | Monthly Payment Example⁸ |
|---|---|---|---|---|---|
| 15 Year | 5.750% | 5.794% | 0.000% | $300,000.00 | $2,592.75 |
| 20 Year | 6.375% | 6.411% | 0.000% | $300,000.00 | $2,303.44 |
| 30 Year | 6.625% | 6.652% | 0.000% | $300,000.00 | $2,021.16 |
| Term | Rate % as low as | APR%* as low as | Points | Loan Amount Example | Monthly Payment Example⁸ |
|---|---|---|---|---|---|
| 15 Year | 7.750% | 7.861% | 0.000% | $100,000.00 | $955.65 |
| 20 Year | 8.375% | 8.468% | 0.000% | $100,000.00 | $867.82 |
| Term | Rate % as low as | APR%* as low as | Points | Loan Amount Example | Monthly Payment Example⁸ |
|---|---|---|---|---|---|
| 10 Year | 8.125% | 8.322% | 0.000% | $100,000.00 | $1,233.18 |
| 15 Year | 8.375% | 8.518% | 0.000% | $100,000.00 | $992.08 |
| 20 Year | 9.000% | 9.120% | 0.000% | $100,000.00 | $915.87 |
| Term | Rate % as low as | APR%* as low as | Points | Loan Amount Example | Monthly Payment Example⁸ |
|---|---|---|---|---|---|
| 15 Year | 5.500% | 5.610% | 0.000% | $300,000.00 | $2,531.57 |
| 20 Year | 6.125% | 6.214% | 0.000% | $300,000.00 | $2,258.85 |
| 30 Year | 6.375% | 6.443% | 0.000% | $300,000.00 | $1970.79 |
| Term | Rate % as low as | APR%* as low as | Points | Loan Amount Example | Monthly Payment Example⁸ |
|---|---|---|---|---|---|
| 15 Year | 6.250% | 6.265% | 0.000% | $900,000.00 | $7,839.97 |
| 20 Year | 6.625% | 6.637% | 0.000% | $900,000.00 | $6,910.32 |
| 30 Year | 6.875% | 6.884% | 0.000% | $900,000.00 | $6,063.47 |
| Term | Rate % as low as | APR%* as low as | Points | Loan Amount Example | Monthly Payment Example⁸ |
|---|---|---|---|---|---|
| 15 Year | 6.500% | 6.509% | 0.000% | $1,500,000.00 | $13,273.64 |
| 20 Year | 6.875% | 6.882% | 0.000% | $1,500,000.00 | $11,742.30 |
| 30 Year | 7.125% | 7.131% | 0.000% | $1,500,000.00 | $10,360.13 |
| Term | Rate % as low as | APR%* as low as | Points | Loan Amount Example | Monthly Payment Example⁸ |
|---|---|---|---|---|---|
| 15 Year | 5.750% | 5.823% | 0.000% | $300,000.00 | $2,531.57 |
| 20 Year | 6.250% | 6.309% | 0.000% | $300,000.00 | $2,236.72 |
| 30 Year | 6.375% | 6.434% | 0.000% | $300,000.00 | $1,896.20 |
*APR = Annual Percentage Rate
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 (Auto/Recreational Vehicle): A $15,000 loan with a 48- month term at 6.99% APR equals a $360.00 monthly payment.
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.
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 monthly payment
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 term at 7% equals a $361.00 monthly payment.
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% LTV.
Information displayed is accurate as of the date of the latest update and is subject to change without notice. Loan pricing may only be locked upon completion of a Home Loan Application and rate lock agreement. Please contact a Home Loan Expert for pricing details. Other restrictions may apply.
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.
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 and include all applicable APR fees.
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.
