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. Open a traditional IRA for as little as $50.

Information Resources
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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 being withdrawals at retirement.

Information Resources
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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:



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 federal credit unions and the vast majority of state chartered credit unions.

The NCUSIF provides all members of federally insured credit unions with $250,000 in coverage for their individual accounts. These accounts include regular shares (savings), share drafts (checking), money market accounts, and share certificates (certificate of deposits). Individuals with account balances totaling $250,000 or less at the same insured credit union have full NCUSIF coverage. If a person has more than $250,000 at any single credit union, several options are available for additional coverage. While NCUSIF coverage protects members at federally insured credit unions from losses on a broad spectrum of savings account and share draft products, it does not cover losses on money invested in mutual funds, stocks, bonds, life insurance policies, and annuities.
Learn more about NCUA and additional insurance coverage

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.

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