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Rally Credit Union Rates & Review October 2026

Rally Credit Union's top rates as of October 10, 2026 are 4.30% APY on its 15 Month CD, 3.25% APY on savings, 2.22% APY on money market accounts, 3.00% APY on checking, 7.12% on its Jumbo Loan mortgage, and personal loans from 9.99% APR, according to rates verified by MonitorBankRates. Other Rally Credit Union CD rates include 15 Month CD at 4.30%, 15 Month Term IRA CD of Deposit at 4.30%, and 1 Year CD at 4.10%. Other Rally Credit Union mortgage rates include Jumbo Loan at 7.50%, Super Jumbo Loan at 7.38%, and Super Jumbo Million or Greater Loan at 7.38%. MonitorBankRates evaluates the financial stability of Rally Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.20%. Rates last updated and verified on 10/10/2026.

Rally Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Rally Credit Union? Share your experience about Rally Credit Union by leaving a review below, or read customer reviews before you decide to use Rally Credit Union.

MonitorBankRates Verified Healthy Badge Q2 2026 Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website
Overall Health & Safety Grade ?
A+
Exceptional Health Score: 98/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
4.20%
Excellent Lower than avg
Health Trend ?
Very strong 12 quarters
Full history ›
Rally Credit Union
JWV Administration Building
2730 Rodd Field Rd
Corpus Christi, TX 78414-3146
https://rallycu.com
Member NCUA
Customer Reviews
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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Rally Credit Union CD Rates

Product Rate APY Term View More
15 Month CD 4.20% 4.30% 15 months
Min Deposit $100,000
Min Balance $100,000
Last Updated 10/10/2026
Rate History
1 change since Sep 14, 2026 · 4.05% → 4.30% ▲ 0.25 pts · high 4.30% / low 4.05%
3.55%4.18%4.80%Sep 14, 2026: 4.05% APYOct 10, 2026: 4.30% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.30%▲ from 4.05%
  • Sep 14, 20264.05%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.20%
15 Month Certificate 4.20% 4.30% 15 Month
Min Deposit $1,000
Min Balance $100,000
Last Updated 10/10/2026
Rate History
1 change since Sep 14, 2026 · 4.05% → 4.30% ▲ 0.25 pts · high 4.30% / low 4.05%
3.55%4.18%4.80%Sep 14, 2026: 4.05% APYOct 10, 2026: 4.30% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.30%▲ from 4.05%
  • Sep 14, 20264.05%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.20%
15 Month Term IRA Certificate of Deposit 4.20% 4.30% 15 Month
Min Deposit $100,000
Last Updated 10/10/2026
Rate History
1 change since Sep 14, 2026 · 4.05% → 4.30% ▲ 0.25 pts · high 4.30% / low 4.05%
3.55%4.18%4.80%Sep 14, 2026: 4.05% APYOct 10, 2026: 4.30% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.30%▲ from 4.05%
  • Sep 14, 20264.05%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.20%
1 Year CD 4.00% 4.10% 1 year
Min Deposit $100,000
Min Balance $100,000
Last Updated 10/10/2026
Rate History
1 change since Sep 14, 2026 · 3.85% → 4.10% ▲ 0.25 pts · high 4.10% / low 3.85%
3.35%3.97%4.60%Sep 14, 2026: 3.85% APYOct 10, 2026: 4.10% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.10%▲ from 3.85%
  • Sep 14, 20263.85%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.20%
1 Year Certificate 4.00% 4.10% 1 Year
Min Deposit $1,000
Min Balance $100,000
Last Updated 10/10/2026
Rate History
1 change since Sep 14, 2026 · 3.85% → 4.10% ▲ 0.25 pts · high 4.10% / low 3.85%
3.35%3.97%4.60%Sep 14, 2026: 3.85% APYOct 10, 2026: 4.10% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.10%▲ from 3.85%
  • Sep 14, 20263.85%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.20%
2 Year CD 4.00% 4.10% 2 years
Min Deposit $100,000
Min Balance $100,000
Last Updated 10/10/2026
Rate History
1 change since Sep 14, 2026 · 3.85% → 4.10% ▲ 0.25 pts · high 4.10% / low 3.85%
3.35%3.97%4.60%Sep 14, 2026: 3.85% APYOct 10, 2026: 4.10% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.10%▲ from 3.85%
  • Sep 14, 20263.85%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.20%
2 Year Certificate 4.00% 4.10% 2 Year
Min Deposit $1,000
Min Balance $100,000
Last Updated 10/10/2026
Rate History
1 change since Sep 14, 2026 · 3.85% → 4.10% ▲ 0.25 pts · high 4.10% / low 3.85%
3.35%3.97%4.60%Sep 14, 2026: 3.85% APYOct 10, 2026: 4.10% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.10%▲ from 3.85%
  • Sep 14, 20263.85%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.20%
3 Year CD 4.00% 4.10% 3 years
Min Deposit $100,000
Min Balance $100,000
Last Updated 10/10/2026
Rate History
1 change since Sep 14, 2026 · 3.85% → 4.10% ▲ 0.25 pts · high 4.10% / low 3.85%
3.35%3.97%4.60%Sep 14, 2026: 3.85% APYOct 10, 2026: 4.10% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.10%▲ from 3.85%
  • Sep 14, 20263.85%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.20%
3 Year Certificate 4.00% 4.10% 3 Year
Min Deposit $1,000
Min Balance $100,000
Last Updated 10/10/2026
Rate History
1 change since Sep 14, 2026 · 3.85% → 4.10% ▲ 0.25 pts · high 4.10% / low 3.85%
3.35%3.97%4.60%Sep 14, 2026: 3.85% APYOct 10, 2026: 4.10% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.10%▲ from 3.85%
  • Sep 14, 20263.85%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.20%
15-month Certificate - 4.05% 15-month
Min Deposit $100,000
Min Balance $100,000
Details 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 before the maturity date or renewal date. Fees could reduce earnings. Conditions apply.
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 4.05% APY · checked 6 times
3.55%4.05%4.55%Sep 14, 2026: 4.05% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.20%
1 Year Term Certificate of Deposit 3.80% 3.85% 1 Year
Min Deposit $100,000
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 6 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.20%
6 Month CD 3.80% 3.85% 6 months
Min Deposit $100,000
Min Balance $100,000
Last Updated 10/10/2026
Rate History
1 change since Sep 14, 2026 · 3.60% → 3.85% ▲ 0.25 pts · high 3.85% / low 3.60%
3.10%3.72%4.35%Sep 14, 2026: 3.60% APYOct 10, 2026: 3.85% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.85%▲ from 3.60%
  • Sep 14, 20263.60%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.20%
6 Month Certificate 3.80% 3.85% 6 Month
Min Deposit $1,000
Min Balance $100,000
Last Updated 10/10/2026
Rate History
1 change since Sep 14, 2026 · 3.60% → 3.85% ▲ 0.25 pts · high 3.85% / low 3.60%
3.10%3.72%4.35%Sep 14, 2026: 3.60% APYOct 10, 2026: 3.85% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.85%▲ from 3.60%
  • Sep 14, 20263.60%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.20%
15 Month CD 3.75% 3.80% 15 months
Min Deposit $1,000
Min Balance $1,000
Last Updated 10/10/2026
Rate History
1 change since Sep 14, 2026 · 3.55% → 3.80% ▲ 0.25 pts · high 3.80% / low 3.55%
3.05%3.68%4.30%Sep 14, 2026: 3.55% APYOct 10, 2026: 3.80% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.80%▲ from 3.55%
  • Sep 14, 20263.55%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.20%
15 Month IRA Certificate of Deposit 3.75% 3.80% 15 Month
Min Deposit $1,000
Last Updated 10/10/2026
Rate History
1 change since Sep 14, 2026 · 3.55% → 3.80% ▲ 0.25 pts · high 3.80% / low 3.55%
3.05%3.68%4.30%Sep 14, 2026: 3.55% APYOct 10, 2026: 3.80% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.80%▲ from 3.55%
  • Sep 14, 20263.55%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.20%
2 Year Term Certificate of Deposit 3.68% 3.75% 2 Year
Min Deposit $100,000
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.20%
3 Month CD 3.70% 3.75% 3 months
Min Deposit $1,000
Min Balance $1,000
Last Updated 10/10/2026
Rate History
1 change since Sep 14, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
3.00%3.63%4.25%Sep 14, 2026: 3.50% APYOct 10, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.75%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.20%
1 Year CD 3.55% 3.60% 1 year
Min Deposit $1,000
Min Balance $1,000
Last Updated 10/10/2026
Rate History
1 change since Sep 14, 2026 · 3.35% → 3.60% ▲ 0.25 pts · high 3.60% / low 3.35%
2.85%3.47%4.10%Sep 14, 2026: 3.35% APYOct 10, 2026: 3.60% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.60%▲ from 3.35%
  • Sep 14, 20263.35%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.20%
2 Year CD 3.55% 3.60% 2 years
Min Deposit $1,000
Min Balance $1,000
Last Updated 10/10/2026
Rate History
1 change since Sep 14, 2026 · 3.35% → 3.60% ▲ 0.25 pts · high 3.60% / low 3.35%
2.85%3.47%4.10%Sep 14, 2026: 3.35% APYOct 10, 2026: 3.60% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.60%▲ from 3.35%
  • Sep 14, 20263.35%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.20%
3 Year CD 3.50% 3.60% 3 years
Min Deposit $1,000
Min Balance $1,000
Last Updated 10/10/2026
Rate History
1 change since Sep 14, 2026 · 3.35% → 3.60% ▲ 0.25 pts · high 3.60% / low 3.35%
2.85%3.47%4.10%Sep 14, 2026: 3.35% APYOct 10, 2026: 3.60% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.60%▲ from 3.35%
  • Sep 14, 20263.35%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.20%
15-month Certificate - 3.55% 15-month
Min Deposit $1,000
Min Balance $1,000
Details 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 before the maturity date or renewal date. Fees could reduce earnings. Conditions apply.
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 6 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.20%
1 Year Term Certificate of Deposit 3.30% 3.35% 1 Year
Min Deposit $1,000
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 6 times
2.85%3.35%3.85%Sep 14, 2026: 3.35% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.20%
6 Month CD 3.30% 3.35% 6 months
Min Deposit $1,000
Min Balance $1,000
Last Updated 10/10/2026
Rate History
1 change since Sep 14, 2026 · 3.10% → 3.35% ▲ 0.25 pts · high 3.35% / low 3.10%
2.60%3.23%3.85%Sep 14, 2026: 3.10% APYOct 10, 2026: 3.35% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.35%▲ from 3.10%
  • Sep 14, 20263.10%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.20%
2 Year Term Certificate of Deposit 3.20% 3.25% 2 Year
Min Deposit $1,000
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 6 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.20%

Rally Credit Union Business CD Rates

Product Rate APY Term View More
15 Month Business Certificates of Deposit (CDs) - 4.05% 15-month
Min Deposit $100,000
Min Balance $100,000
Last Updated 10/10/2026
Rate History
No change since Sep 18, 2026 · 4.05% APY · checked 3 times
3.55%4.05%4.55%Sep 18, 2026: 4.05% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.20%
15 Month Business Certificates of Deposit (CDs) - 3.55% 15-month
Min Deposit $1,000
Min Balance $1,000
Last Updated 10/10/2026
Rate History
No change since Sep 18, 2026 · 3.55% APY · checked 3 times
3.05%3.55%4.05%Sep 18, 2026: 3.55% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.20%

Rally Credit Union Savings Rates

Product Rate APY View More
Liberty Savings - 3.25%
Min Deposit $25
Details Qualifications Required: Have and use a debit card for your Liberty Checking/Liberty Checking Plus Account; 10 or more debit card purchases post and clear each cycle . Each transaction must be a minimum of $5.00 to qualify.; At least 1 automatic payment or direct deposit post and clear each cycle .; 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 a free savings account that earns a base annual percentage yield. Liberty Plus Savings 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 3.05% on the first $99,999.99, 3.15% on the next $149,999.99, and 3.25% on the next $250,000.02. The blended APY of 3.25% is calculated based on a balance of $500,000. Rate is subject to change without notice. Fees, such as Insufficient Funds or Account Inactivity, could reduce monthly earnings. Click here for a list of fees.
Last Updated 10/10/2026
Rate History
No change since Sep 27, 2026 · 3.25% APY · checked 3 times
2.75%3.25%3.75%Sep 27, 2026: 3.25% APYSep 27, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.20%
IRA Savings Account 0.90% 0.90%
Min Deposit $50
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 0.90% APY · checked 6 times
0.40%0.90%1.40%Sep 14, 2026: 0.90% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.20%
Basic Savings 0.25% 0.25%
Min Deposit $25
Min Balance $50
Details Balance: $50.00 & Over
Last Updated 10/10/2026
Rate History
No change since Sep 27, 2026 · 0.25% APY · checked 3 times
0.00%0.38%0.75%Sep 27, 2026: 0.25% APYSep 27, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.20%
Home Savings 0.25% 0.25%
Min Deposit $25
Min Balance $50
Details Balance: $50.00 & Over
Last Updated 10/10/2026
Rate History
No change since Sep 27, 2026 · 0.25% APY · checked 3 times
0.00%0.38%0.75%Sep 27, 2026: 0.25% APYSep 27, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.20%

Rally Credit Union Business Savings Rates

Product Rate APY View More
Business Share Savings 0.25% 0.25%
Min Deposit $25
Min Balance $50
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 0.25% APY · checked 6 times
0.00%0.38%0.75%Sep 14, 2026: 0.25% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.20%

Rally Credit Union Money Market Rates

Product Rate APY View More
Money Market Account 2.20% 2.22%
Min Balance $100,000
Details 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 0.50% on the first $49,999.99, 0.65% on the next $49,999.99, 2.22% on the next $149,999.99 and 2.71% on the next $250,000.03. The blended APY of 2.20% is calculated based on a balance of $500,000. 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 or renewal date. Interest is calculated on the actual daily balance and paid quarterly.
Last Updated 10/10/2026
Rate History
1 change since Sep 14, 2026 · 2.20% → 2.22% ▲ 0.02 pts · high 2.22% / low 2.20%
1.70%2.21%2.72%Sep 14, 2026: 2.20% APYOct 10, 2026: 2.22% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20262.22%▲ from 2.20%
  • Sep 14, 20262.20%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.20%
Money Market Options 0.70% 0.70%
Min Deposit $2,000
Min Balance $0
Details Balance: $0 - 49,999.99
Last Updated 10/10/2026
Rate History
1 change since Sep 27, 2026 · 0.50% → 0.70% ▲ 0.20 pts · high 0.70% / low 0.50%
0.00%0.60%1.20%Sep 27, 2026: 0.50% APYOct 10, 2026: 0.70% APYSep 27, 2026Oct 13, 2026
  • Oct 10, 20260.70%▲ from 0.50%
  • Sep 27, 20260.50%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.20%

Rally Credit Union Business Money Market Rates

Product Rate APY View More
Business Money Market - 1.75%
Details 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, 0.50% on the next $49,999.99, 1.49% on the next $149,999.99 and 2.47% on the next $250,000.03. The blended APY of 1.75% is calculated on a balance of $500,000.
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 1.75% APY · checked 4 times
1.25%1.75%2.25%Sep 14, 2026: 1.75% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.20%
Business Money Market 0.45% 0.45%
Min Deposit $2,000
Min Balance $0
Details Balance: $0 - 49,999.99
Last Updated 10/10/2026
Rate History
1 change since Sep 18, 2026 · 0.25% → 0.45% ▲ 0.20 pts · high 0.45% / low 0.25%
0.00%0.48%0.95%Sep 18, 2026: 0.25% APYOct 10, 2026: 0.45% APYSep 18, 2026Oct 13, 2026
  • Oct 10, 20260.45%▲ from 0.25%
  • Sep 18, 20260.25%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.20%

Rally Credit Union Checking Rates

Product Rate APY View More
Liberty Checking - 3.00%
Min Deposit $20
Details Qualifications Required: Have and use a debit card for your Liberty Checking/Liberty Checking Plus Account; 10 or more debit card purchases post and clear each cycle . Each transaction must be a minimum of $5.00 to qualify.; At least 1 automatic payment or direct deposit post and clear each cycle .; Liberty Checking and Liberty Plus Checking our 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 on the portion of your balance within each tier. Monthly qualification criteria applies to earn tiered rate. Liberty Checking APY decreases as deposit amount increases. The advertised APY of 3% is calculated based on a balance of $25,000. The APY of 0.25% is calculated based on a balance of $250,000 for the top tier. 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 reimbursed if requested; an ATM receipt may be required. The maximum ATM fee refund cap is $25.00 monthly. If there's a month you don't meet the qualifications, there's no penalty and you still have a free checking account that earns a base annual percentage yield. Rate is subject to change without notice. Fees, such as Insufficient Funds or Account Inactivity, could reduce monthly earnings. Click here for a list of fees.
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 5 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.20%
Liberty/Liberty Plus Checking 2.97% 3.00%
Min Deposit $20
Min Balance $0
Details Balance: $0 - 25,000.00
Last Updated 10/10/2026
Rate History
No change since Oct 10, 2026 · 3.00% APY
2.50%3.00%3.50%Oct 10, 2026: 3.00% APYOct 10, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.20%
Liberty/Liberty Plus Checking 0.01% 0.01%
Min Deposit $20
Details Balance: $0 - 25,000.00
Last Updated 10/10/2026
Rate History
No change since Oct 10, 2026 · 0.01% APY
0.00%0.26%0.51%Oct 10, 2026: 0.01% APYOct 10, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.20%

Rally Credit Union Mortgage Rates

Product Rate Points APR Term View More
Jumbo Loan 7.125% - 7.141% 15 Year
Details $766,551-$999,999; As Low As
Last Updated 10/10/2026
Rate History
1 change since Sep 14, 2026 · 6.64% → 7.14% ▲ 0.50 pts · high 7.14% / low 6.64%
6.14%6.89%7.64%Sep 14, 2026: 6.64% APROct 2, 2026: 7.14% APRSep 14, 2026Oct 13, 2026
  • Oct 2, 20267.14%▲ from 6.64%
  • Sep 14, 20266.64%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.20%
Jumbo Loan 7.50% - 7.513% 20 Year
Details $766,551 -$999,999; As Low As
Last Updated 10/10/2026
Rate History
1 change since Sep 14, 2026 · 7.01% → 7.51% ▲ 0.50 pts · high 7.51% / low 7.01%
6.51%7.26%8.01%Sep 14, 2026: 7.01% APROct 2, 2026: 7.51% APRSep 14, 2026Oct 13, 2026
  • Oct 2, 20267.51%▲ from 7.01%
  • Sep 14, 20267.01%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.20%
Super Jumbo Loan 7.375% 0.000% 7.748% 15 Year
Details Loan Amount Example: $1,500,000.00; Monthly Payment Example: $14,108.83
Last Updated 10/10/2026
Rate History
No change since Oct 10, 2026 · 7.75% APR
7.25%7.75%8.25%Oct 10, 2026: 7.75% APROct 10, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.20%
Super Jumbo Million or Greater Loan 7.375% - 7.748% 15 Year
Details $1; As Low As
Last Updated 10/10/2026
Rate History
1 change since Sep 14, 2026 · 6.89% → 7.75% ▲ 0.86 pts · high 7.75% / low 6.89%
6.02%7.32%8.61%Sep 14, 2026: 6.89% APROct 2, 2026: 7.75% APRSep 14, 2026Oct 13, 2026
  • Oct 2, 20267.75%▲ from 6.89%
  • Sep 14, 20266.89%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.20%
Super Jumbo Loan 7.75% 0.000% 7.758% 20 Year
Details Loan Amount Example: $1,500,000.00; Monthly Payment Example: $12,314.23
Last Updated 10/10/2026
Rate History
No change since Oct 10, 2026 · 7.76% APR
7.26%7.76%8.26%Oct 10, 2026: 7.76% APROct 10, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.20%
Super Jumbo Million or Greater Loan 7.75% - 7.758% 20 Year
Details $1; As Low As
Last Updated 10/10/2026
Rate History
1 change since Sep 14, 2026 · 7.26% → 7.76% ▲ 0.50 pts · high 7.76% / low 7.26%
6.76%7.51%8.26%Sep 14, 2026: 7.26% APROct 2, 2026: 7.76% APRSep 14, 2026Oct 13, 2026
  • Oct 2, 20267.76%▲ from 7.26%
  • Sep 14, 20267.26%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.20%
Jumbo Loan 7.75% - 7.761% 30 Year
Details $766,551 -$999,999; As Low As
Last Updated 10/10/2026
Rate History
1 change since Sep 14, 2026 · 7.26% → 7.76% ▲ 0.50 pts · high 7.76% / low 7.26%
6.76%7.51%8.26%Sep 14, 2026: 7.26% APROct 2, 2026: 7.76% APRSep 14, 2026Oct 13, 2026
  • Oct 2, 20267.76%▲ from 7.26%
  • Sep 14, 20267.26%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.20%
Super Jumbo Loan 8.00% 0.000% 8.006% 30 Year
Details Loan Amount Example: $1,500,000.00; Monthly Payment Example: $11,006.47
Last Updated 10/10/2026
Rate History
No change since Oct 10, 2026 · 8.01% APR
7.51%8.01%8.51%Oct 10, 2026: 8.01% APROct 10, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.20%
Super Jumbo Million or Greater Loan 8.00% - 8.006% 30 Year
Details $1; As Low As
Last Updated 10/10/2026
Rate History
1 change since Sep 14, 2026 · 7.51% → 8.01% ▲ 0.50 pts · high 8.01% / low 7.51%
7.01%7.76%8.51%Sep 14, 2026: 7.51% APROct 2, 2026: 8.01% APRSep 14, 2026Oct 13, 2026
  • Oct 2, 20268.01%▲ from 7.51%
  • Sep 14, 20267.51%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.20%

Rally Credit Union Auto Loan Rates

Product Rate Points APR Term View More
Auto Loans - - 5.24%
Details As Low As
Last Updated 10/10/2026
Rate History
No change since Oct 10, 2026 · 5.24% APR
4.74%5.24%5.74%Oct 10, 2026: 5.24% APROct 10, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.20%

Rally Credit Union RV, Boat and Powersport Loan Rates

Product Rate APR Term View More
Recreational Vehicle Loan - 5.99% 0-120 Months
Details Published APR range: 5.99- 18.00%.
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 5.99% APR · checked 3 times
5.49%5.99%6.49%Sep 14, 2026: 5.99% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.20%

Rally Credit Union Personal Loan Rates

Product APR Term View More
Signature Loans 9.99%
Details Published APR range: 9.99 - 18.00%. Rates as low as
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 9.99% APR · checked 6 times
9.49%9.99%10.49%Sep 14, 2026: 9.99% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.20%

Rally Credit Union Other Rates

Product Rate Points APY/APR Term View More
Construction to Perm One Time Close Loan 6.375% - 6.49% 15 Year
Details As Low As
Last Updated 10/10/2026
Rate History
1 change since Sep 14, 2026 · 6.44% → 6.49% ▲ 0.05 pts · high 6.49% / low 6.44%
5.94%6.47%6.99%Sep 14, 2026: 6.44% APROct 2, 2026: 6.49% APRSep 14, 2026Oct 13, 2026
  • Oct 2, 20266.49%▲ from 6.44%
  • Sep 14, 20266.44%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.20%
Construction to Perm One Time Close Loan 7.00% - 7.094% 20 Year
Details As Low As
Last Updated 10/10/2026
Rate History
1 change since Sep 14, 2026 · 7.01% → 7.09% ▲ 0.08 pts · high 7.09% / low 7.01%
6.51%7.05%7.59%Sep 14, 2026: 7.01% APROct 2, 2026: 7.09% APRSep 14, 2026Oct 13, 2026
  • Oct 2, 20267.09%▲ from 7.01%
  • Sep 14, 20267.01%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.20%
Construction to Perm One Time Close Loan 7.25% - 7.323% 30 Year
Details As Low As
Last Updated 10/10/2026
Rate History
1 change since Sep 14, 2026 · 7.17% → 7.32% ▲ 0.16 pts · high 7.32% / low 7.17%
6.67%7.24%7.82%Sep 14, 2026: 7.17% APROct 2, 2026: 7.32% APRSep 14, 2026Oct 13, 2026
  • Oct 2, 20267.32%▲ from 7.17%
  • Sep 14, 20267.17%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.20%
Construction to Perm One Time Close Loan 7.125% 0.000% 7.141% 15 Year
Details Loan Amount Example: $900,000.00; Monthly Payment Example: $8,152.48
Last Updated 10/10/2026
Rate History
2 changes since Sep 14, 2026 · 6.44% → 7.14% ▲ 0.70 pts · high 7.14% / low 6.44%
5.75%6.79%7.84%Sep 14, 2026: 6.44% APROct 2, 2026: 6.49% APROct 10, 2026: 7.14% APRSep 14, 2026Oct 13, 2026
  • Oct 10, 20267.14%▲ from 6.49%
  • Oct 2, 20266.49%▲ from 6.44%
  • Sep 14, 20266.44%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.20%
Construction to Perm One Time Close Loan 7.50% 0.000% 7.513% 20 Year
Details Loan Amount Example: $900,000.00; Monthly Payment Example: $7,250.34
Last Updated 10/10/2026
Rate History
2 changes since Sep 14, 2026 · 7.01% → 7.51% ▲ 0.50 pts · high 7.51% / low 7.01%
6.51%7.26%8.01%Sep 14, 2026: 7.01% APROct 2, 2026: 7.09% APROct 10, 2026: 7.51% APRSep 14, 2026Oct 13, 2026
  • Oct 10, 20267.51%▲ from 7.09%
  • Oct 2, 20267.09%▲ from 7.01%
  • Sep 14, 20267.01%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.20%
Construction to Perm One Time Close Loan 7.75% 0.000% 7.761% 30 Year
Details Loan Amount Example: $900,000.00; Monthly Payment Example: $6,447.71
Last Updated 10/10/2026
Rate History
2 changes since Sep 14, 2026 · 7.17% → 7.76% ▲ 0.59 pts · high 7.76% / low 7.17%
6.57%7.46%8.36%Sep 14, 2026: 7.17% APROct 2, 2026: 7.32% APROct 10, 2026: 7.76% APRSep 14, 2026Oct 13, 2026
  • Oct 10, 20267.76%▲ from 7.32%
  • Oct 2, 20267.32%▲ from 7.17%
  • Sep 14, 20267.17%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.20%
FHA Purchase / Refinance - 15 Year 6.625% 1.000% 6.837% 15 Year
Details Loan Amount Example: $300,000.00; Monthly Payment Example: $2,633.98
Last Updated 10/10/2026
Rate History
1 change since Sep 14, 2026 · 6.92% → 6.84% ▼ 0.09 pts · high 6.92% / low 6.84%
6.34%6.88%7.42%Sep 14, 2026: 6.92% APROct 2, 2026: 6.84% APRSep 14, 2026Oct 13, 2026
  • Oct 2, 20266.84%▼ from 6.92%
  • Sep 14, 20266.92%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.20%
FHA Purchase / Refinance - 20 Year 7.375% 0.000% 7.41% 20 Year
Details Loan Amount Example: $300,000.00; Monthly Payment Example: $2,393.90
Last Updated 10/10/2026
Rate History
1 change since Sep 14, 2026 · 7.31% → 7.41% ▲ 0.10 pts · high 7.41% / low 7.31%
6.81%7.36%7.91%Sep 14, 2026: 7.31% APROct 2, 2026: 7.41% APRSep 14, 2026Oct 13, 2026
  • Oct 2, 20267.41%▲ from 7.31%
  • Sep 14, 20267.31%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.20%
FHA Purchase / Refinance - 30 Year 7.375% 0.000% 7.416% 30 Year
Details Loan Amount Example: $300,000.00; Monthly Payment Example: $2,072.03
Last Updated 10/10/2026
Rate History
1 change since Sep 14, 2026 · 7.32% → 7.42% ▲ 0.10 pts · high 7.42% / low 7.32%
6.82%7.37%7.92%Sep 14, 2026: 7.32% APROct 2, 2026: 7.42% APRSep 14, 2026Oct 13, 2026
  • Oct 2, 20267.42%▲ from 7.32%
  • Sep 14, 20267.32%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.20%
FHA Purchase Refinance 6.625% - 6.837% 15 Year
Details As Low As
Last Updated 10/10/2026
Rate History
1 change since Sep 14, 2026 · 6.92% → 6.84% ▼ 0.09 pts · high 6.92% / low 6.84%
6.34%6.88%7.42%Sep 14, 2026: 6.92% APROct 2, 2026: 6.84% APRSep 14, 2026Oct 13, 2026
  • Oct 2, 20266.84%▼ from 6.92%
  • Sep 14, 20266.92%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.20%
FHA Purchase Refinance 7.375% - 7.41% 20 Year
Details As Low As
Last Updated 10/10/2026
Rate History
1 change since Sep 14, 2026 · 7.31% → 7.41% ▲ 0.10 pts · high 7.41% / low 7.31%
6.81%7.36%7.91%Sep 14, 2026: 7.31% APROct 2, 2026: 7.41% APRSep 14, 2026Oct 13, 2026
  • Oct 2, 20267.41%▲ from 7.31%
  • Sep 14, 20267.31%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.20%
FHA Purchase Refinance 7.375% - 7.416% 30 Year
Details As Low As
Last Updated 10/10/2026
Rate History
1 change since Sep 14, 2026 · 7.32% → 7.42% ▲ 0.10 pts · high 7.42% / low 7.32%
6.82%7.37%7.92%Sep 14, 2026: 7.32% APROct 2, 2026: 7.42% APRSep 14, 2026Oct 13, 2026
  • Oct 2, 20267.42%▲ from 7.32%
  • Sep 14, 20267.32%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.20%
Home Loans - - 6.673%
Details As Low As
Last Updated 10/10/2026
Rate History
1 change since Sep 14, 2026 · 6.17% → 6.67% ▲ 0.50 pts · high 6.67% / low 6.17%
5.67%6.42%7.17%Sep 14, 2026: 6.17% APROct 1, 2026: 6.67% APRSep 14, 2026Oct 13, 2026
  • Oct 1, 20266.67%▲ from 6.17%
  • Sep 14, 20266.17%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.20%
Homestead - Home Purchase Loan 6.625% - 6.673% 15 Year
Details As Low As
Last Updated 10/10/2026
Rate History
1 change since Sep 14, 2026 · 6.17% → 6.67% ▲ 0.50 pts · high 6.67% / low 6.17%
5.67%6.42%7.17%Sep 14, 2026: 6.17% APROct 1, 2026: 6.67% APRSep 14, 2026Oct 13, 2026
  • Oct 1, 20266.67%▲ from 6.17%
  • Sep 14, 20266.17%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.20%
Homestead - Home Purchase Loan 7.25% - 7.29% 20 Year
Details As Low As
Last Updated 10/10/2026
Rate History
1 change since Sep 14, 2026 · 6.79% → 7.29% ▲ 0.50 pts · high 7.29% / low 6.79%
6.29%7.04%7.79%Sep 14, 2026: 6.79% APROct 1, 2026: 7.29% APRSep 14, 2026Oct 13, 2026
  • Oct 1, 20267.29%▲ from 6.79%
  • Sep 14, 20266.79%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.20%
Homestead - Home Purchase Loan 7.50% - 7.531% 30 Year
Details As Low As
Last Updated 10/10/2026
Rate History
1 change since Sep 14, 2026 · 7.03% → 7.53% ▲ 0.50 pts · high 7.53% / low 7.03%
6.53%7.28%8.03%Sep 14, 2026: 7.03% APROct 1, 2026: 7.53% APRSep 14, 2026Oct 13, 2026
  • Oct 1, 20267.53%▲ from 7.03%
  • Sep 14, 20267.03%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.20%
Homestead - Refinance Cash Out Refinance 6.625% - 6.673% 15 Year
Details As Low As
Last Updated 10/10/2026
Rate History
1 change since Sep 14, 2026 · 6.16% → 6.67% ▲ 0.51 pts · high 6.67% / low 6.16%
5.65%6.42%7.18%Sep 14, 2026: 6.16% APROct 1, 2026: 6.67% APRSep 14, 2026Oct 13, 2026
  • Oct 1, 20266.67%▲ from 6.16%
  • Sep 14, 20266.16%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.20%
Homestead - Refinance Cash Out Refinance 7.50% - 7.531% 30 Year
Details As Low As
Last Updated 10/10/2026
Rate History
1 change since Sep 14, 2026 · 7.03% → 7.53% ▲ 0.51 pts · high 7.53% / low 7.03%
6.52%7.28%8.04%Sep 14, 2026: 7.03% APROct 2, 2026: 7.53% APRSep 14, 2026Oct 13, 2026
  • Oct 2, 20267.53%▲ from 7.03%
  • Sep 14, 20267.03%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.20%
Homestead- Refinance Cash Out Refinance 7.25% - 7.29% 20 Year
Details As Low As
Last Updated 10/10/2026
Rate History
1 change since Sep 14, 2026 · 6.78% → 7.29% ▲ 0.51 pts · high 7.29% / low 6.78%
6.27%7.04%7.80%Sep 14, 2026: 6.78% APROct 2, 2026: 7.29% APRSep 14, 2026Oct 13, 2026
  • Oct 2, 20267.29%▲ from 6.78%
  • Sep 14, 20266.78%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.20%
Land - Lot Loan 8.50% - 8.712% 10 Year
Details As Low As
Last Updated 10/10/2026
Rate History
1 change since Sep 14, 2026 · 8.23% → 8.71% ▲ 0.48 pts · high 8.71% / low 8.23%
7.73%8.47%9.21%Sep 14, 2026: 8.23% APROct 2, 2026: 8.71% APRSep 14, 2026Oct 13, 2026
  • Oct 2, 20268.71%▲ from 8.23%
  • Sep 14, 20268.23%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.20%
Land - Lot Loan 8.75% - 8.905% 15 Year
Details As Low As
Last Updated 10/10/2026
Rate History
1 change since Sep 14, 2026 · 8.42% → 8.91% ▲ 0.49 pts · high 8.91% / low 8.42%
7.92%8.66%9.41%Sep 14, 2026: 8.42% APROct 2, 2026: 8.91% APRSep 14, 2026Oct 13, 2026
  • Oct 2, 20268.91%▲ from 8.42%
  • Sep 14, 20268.42%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.20%
Line of Credit - - 9.99%
Details Published APR range: 9.99 - 18.00%. Rates as low as
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 9.99% APR · checked 6 times
9.49%9.99%10.49%Sep 14, 2026: 9.99% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.20%
Second Lien - Refinance / Cash Out Refinance 8.625% 0.000% 8.779% 15 Year
Details Loan Amount Example: $100,000.00; Monthly Payment Example: $992.08
Last Updated 10/10/2026
Rate History
2 changes since Sep 14, 2026 · 8.42% → 8.78% ▲ 0.36 pts · high 8.78% / low 8.25%
7.72%8.51%9.31%Sep 14, 2026: 8.42% APRSep 27, 2026: 8.25% APROct 2, 2026: 8.78% APRSep 14, 2026Oct 13, 2026
  • Oct 2, 20268.78%▲ from 8.25%
  • Sep 27, 20268.25%▼ from 8.42%
  • Sep 14, 20268.42%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.20%
Second Lien - Refinance / Cash Out Refinance 9.25% 0.000% 9.379% 20 Year
Details Loan Amount Example: $100,000.00; Monthly Payment Example: $915.87
Last Updated 10/10/2026
Rate History
1 change since Sep 18, 2026 · 8.86% → 9.38% ▲ 0.52 pts · high 9.38% / low 8.86%
8.33%9.12%9.90%Sep 18, 2026: 8.86% APROct 2, 2026: 9.38% APRSep 18, 2026Oct 13, 2026
  • Oct 2, 20269.38%▲ from 8.86%
  • Sep 18, 20268.86%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.20%
Second Lien Refi Cash Out Refinance 8.625% - 8.779% 15 Year
Details As Low As
Last Updated 10/10/2026
Rate History
1 change since Sep 14, 2026 · 8.25% → 8.78% ▲ 0.53 pts · high 8.78% / low 8.25%
7.72%8.51%9.31%Sep 14, 2026: 8.25% APROct 2, 2026: 8.78% APRSep 14, 2026Oct 13, 2026
  • Oct 2, 20268.78%▲ from 8.25%
  • Sep 14, 20268.25%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.20%
Second Lien Refi Cash Out Refinance 9.25% - 9.379% 20 Year
Details As Low As
Last Updated 10/10/2026
Rate History
1 change since Sep 14, 2026 · 8.86% → 9.38% ▲ 0.52 pts · high 9.38% / low 8.86%
8.33%9.12%9.90%Sep 14, 2026: 8.86% APROct 2, 2026: 9.38% APRSep 14, 2026Oct 13, 2026
  • Oct 2, 20269.38%▲ from 8.86%
  • Sep 14, 20268.86%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.20%
VA Purchase / Refinance - 15 Year 6.625% 1.000% 6.837% 15 Year
Details As Low As; Loan Amount Example: $300,000.00; Monthly Payment Example8: $2,633.98
Last Updated 10/10/2026
Rate History
1 change since Sep 14, 2026 · 6.20% → 6.84% ▲ 0.63 pts · high 6.84% / low 6.20%
5.57%6.52%7.47%Sep 14, 2026: 6.20% APROct 10, 2026: 6.84% APRSep 14, 2026Oct 13, 2026
  • Oct 10, 20266.84%▲ from 6.20%
  • Sep 14, 20266.20%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.20%
VA Purchase / Refinance - 20 Year 7.375% 0.000% 7.41% 20 Year
Details As Low As; Loan Amount Example: $300,000.00; Monthly Payment Example8: $2,393.90
Last Updated 10/10/2026
Rate History
1 change since Sep 14, 2026 · 6.69% → 7.41% ▲ 0.72 pts · high 7.41% / low 6.69%
5.97%7.05%8.13%Sep 14, 2026: 6.69% APROct 10, 2026: 7.41% APRSep 14, 2026Oct 13, 2026
  • Oct 10, 20267.41%▲ from 6.69%
  • Sep 14, 20266.69%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.20%
VA Purchase / Refinance - 30 Year 7.375% 0.000% 7.416% 30 Year
Details As Low As; Loan Amount Example: $300,000.00; Monthly Payment Example8: $2,072.03
Last Updated 10/10/2026
Rate History
1 change since Sep 14, 2026 · 6.80% → 7.42% ▲ 0.62 pts · high 7.42% / low 6.80%
6.18%7.11%8.03%Sep 14, 2026: 6.80% APROct 10, 2026: 7.42% APRSep 14, 2026Oct 13, 2026
  • Oct 10, 20267.42%▲ from 6.80%
  • Sep 14, 20266.80%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.20%
VA Purchase Refinance 6.625% - 6.837% 15 Year
Details As Low As
Last Updated 10/10/2026
Rate History
1 change since Sep 14, 2026 · 6.20% → 6.84% ▲ 0.63 pts · high 6.84% / low 6.20%
5.57%6.52%7.47%Sep 14, 2026: 6.20% APROct 2, 2026: 6.84% APRSep 14, 2026Oct 13, 2026
  • Oct 2, 20266.84%▲ from 6.20%
  • Sep 14, 20266.20%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.20%
VA Purchase Refinance 7.375% - 7.41% 20 Year
Details As Low As
Last Updated 10/10/2026
Rate History
1 change since Sep 14, 2026 · 6.69% → 7.41% ▲ 0.72 pts · high 7.41% / low 6.69%
5.97%7.05%8.13%Sep 14, 2026: 6.69% APROct 2, 2026: 7.41% APRSep 14, 2026Oct 13, 2026
  • Oct 2, 20267.41%▲ from 6.69%
  • Sep 14, 20266.69%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.20%
VA Purchase Refinance 7.375% - 7.416% 30 Year
Details As Low As
Last Updated 10/10/2026
Rate History
1 change since Sep 14, 2026 · 6.80% → 7.42% ▲ 0.62 pts · high 7.42% / low 6.80%
6.18%7.11%8.03%Sep 14, 2026: 6.80% APROct 2, 2026: 7.42% APRSep 14, 2026Oct 13, 2026
  • Oct 2, 20267.42%▲ from 6.80%
  • Sep 14, 20266.80%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.20%

Financial Health History

Rally Credit Union’s Texas Ratio stayed near 4.50% in Q3 2023 to 4.20% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

0% 1.0★ 1.8% 2.0★ 3.7% 3.0★ 5.5% 4.0★ 7.3% 5.0★ Healthy zone – entire history below the 15% limit 4.50% A+ Q3 2023 A+ Q4 2023 A+ Q1 2024 A+ Q2 2024 A+ Q3 2024 A+ Q4 2024 A+ Q1 2025 A+ Q2 2025 A+ Q3 2025 A+ Q4 2025 A+ Q1 2026 4.20% A+ Q2 2026
Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
Powered by MonitorBankRates

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures
QuarterTotal assetsTexas RatioStar RatingHealth Grade
June 30, 2026$4.8B4.20%5.0A+
March 31, 2026$4.8B4.29%5.0A+
December 31, 2025$4.7B5.44%5.0A+
September 30, 2025$4.7B4.64%5.0A+
June 30, 2025$4.6B4.52%5.0A+
March 31, 2025$4.7B3.79%5.0A+
December 31, 2024$4.5B4.91%5.0A+
September 30, 2024$4.4B4.70%5.0A+
June 30, 2024$4.4B4.24%5.0A+
March 31, 2024$4.4B3.69%5.0A+
December 31, 2023$4.3B4.74%5.0A+
September 30, 2023$4.3B4.50%5.0A+
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating
Our rating for Rally Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Rally Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Rally Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Rally Credit Union
Address 2730 Rodd Field Rd, Corpus Christi, TX 78414-3146
Phone 361-985-7300
Fax
President Gerald Villarreal
CEO Dana Sisk
Full-Time Employees 727
Part-Time Employees 38
Branch Locations 22
ATM Locations 3
NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
4.20%
Return on Assets (ROA)
0.5807%
Return on Equity (ROE)
4.1416%
Non-Performing Loans Ratio (NPL)
0.75%
Total Assets
4,779,524,878
Total Amount of Shares and Deposits
4,035,243,825
Total Shares and Deposits < 1 Year
3,804,281,309
Total Shares and Deposits 1 3 Years
230,962,516
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
632,814,698
Total Uninsured Shares and Deposits > $250K (F+J)
632,814,698
Total Insured Shares and Deposits > $250K (item 17 less item K)
3,402,429,127
Total Interest Expense (Sum of items 6 8)
52,886,446
Share Certificates
22,670
Number of Accounts for Share Drafts
142,826
IRA KEOGH Accounts
6,852
Number of Accounts for Regular Shares
275,013
Money Market Shares
2,092
Net Income (unless the amount is already included in Undivided Earnings)
27,756,612
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
383,686,944
Total Liabilities
4,102,882,896
Source: NCUA — Last Updated 06/30/2026
MonitorBankRates Verified Healthy Badge Q2 2026
Q2 2026 MBR Health & Safety Badge

Rally Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

<a href="https://monitorbankrates.com/credit-unions/rally-credit-union-rates-review-68615">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>
Learn more about the MBR Health & Safety Badge program on our methodology page.

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Frequently Asked Questions About Rally Credit Union

How many branches does Rally Credit Union operate?

Rally Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Rally Credit Union?

Yes, to access services at Rally Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Rally Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Rally Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Rally Credit Union offer online and mobile banking?

Most modern institutions like Rally Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://rallycu.com.

Current Rally Credit Union Rates

  • 12-Month CD3.35%
  • 24-Month CD3.25%
  • Savings3.25%
  • MMA2.22%
Retrieved from our database of financial products. Rates subject to change.