Savings & CDs

We can all use savings that add up.

Build your savings quickly and securely with options like a high-yield money market account, or a low-risk CD with some of the highest rates in the nation.


Certificate of Deposit


*Rates vary depending on length of term.

Low-risk and short-term, a CD is a safe way to invest your money, paying you dividends with some of the highest rates in the nation. With as little as $1,000, you can invest in a CD for 3 to 36 months.

See Rates


Money Market


Earns more interest than Basic Savings and your money remains liquid. Dividends calculated using the daily balance and paid monthly.

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Basic Savings


Earn interest on balances of $50 or more. Dividends calculated using the average daily balance and paid quarterly.

Open Account


Home Savings Account


An easy way to save for taxes and insurance; withdraw at any time. Dividends calculated using the daily balance & paid quarterly.

Open Account


See All Rates Savings Calculators

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.

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.

No, Rally ATM cards are not compatible with contactless devices.

No. There Is no fee to join!

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.

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.

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 8:00 a.m.-5:00 p.m. or Saturday 9:00 a.m.-1:00 p.m. for further assistance with your request.

This may be due to Regulations D. Reg D means no more than six (6) transfer or withdrawals per calendar month to another account of the member's by means of preauthorized or automatic transfer or telephonic agreement or to a third party.

Transactions that count as one of the six:

  1. Account to account transfers by telephone (whether by calling the Credit Union or using our audio response system)
  2. Overdraft protection
  3. Checks to third parties
  4. ACH Debits
  5. Automatic sweep (auto transfer from account to account on any designated day)
  6. Transfers to third party accounts

You will be able to transfer out of your savings account electronically on the 1st of the following month.  You may still conduct transactions in person at an ATM or any branch out of your savings account.

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.

Still have questions? Visit our Help Center.

*APY = Annual Percentage Yield. Certain conditions may apply. Rates are subject to change. Early withdrawal penalties apply if principal is withdrawn before the account expires. CD accounts will automatically renew for one year at the then one-year rate.