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We’ve got your back for retirement savings.

Open an Individual Retirement Account with several tax-deductible options that can help you achieve your retirement goals, faster.

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Types of IRAs


A traditional IRA is a savings account which allows you to defer taxes on your deposits until you withdraw at retirement (age 70½). Open a traditional IRA for as little as $50.

Information Resources
pdf icon Traditional IRAs - View PDF
pdf icon Transfers, Rollovers, and Conversions - View PDF

Roth IRA

A Roth IRA is a savings account; taxes are non-deductible and paid in the year earned. At retirement, withdrawals are tax-free. There is no requirement to begin withdrawals at age 70½.

Information Resources
pdf icon Roth IRA – View PDF
pdf icon Transfers, Rollovers, and Conversions - View PDF

Coverdell (Educational)

With a Coverdell IRA, parents can save for education expenses. Contributions are non-deductible; the withdrawals are tax-free and can be taken at any time.

Information Resources
pdf icon Coverdell ESAs - View PDF

IRA Certificates

An IRA Certificate earns higher dividends and is available for as little as $1,000.

Frequently Asked Questions:



No, ATM cards can only be used for ATM access to your Rally savings account. Your ATM card can’t be added to digital wallets because it can’t be used to make purchases online or in-store.

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.

Yes. We offer ATM cards for Savings Accounts holders only.

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 card to replace your Savings ATM card. A Rally MasterCard® debit card will allow you to make transactions via ATM for both your savings and checking accounts.

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 nonsufficient funds charge. To avoid this situation, make automatic payments using a checking account. Contact the merchant to arrange this change and be aware that your request could take more than a month to go into effect. Alternatively, consider using Bill Payment in Online Banking to automatically send payments to the merchant, rather than authorizing the merchant to automatically withdraw payments.

Still have questions? Visit our Help Center.