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Rally Credit Union Rates & Review October 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
|✓Fact Checked|Rates Last Updated and Verified: October 10, 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.
Rally Credit Union has earned an overall safety grade of A+ (Exceptional, Score: 98/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective NCUA regulatory data.
MonitorBankRates Rating
?
5.0
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
Rally Credit Union has earned a Star Rating of 5.0 out of 5 stars (Exceptional).
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
?
4.20%
ExcellentLower than avg
Rally Credit Union Texas Ratio
Rally Credit Union's Texas Ratio is 4.20%, which is considered excellent and is lower than the national average of 6.13%.
Rally Credit Union has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
4.50% to 4.20% over 12 quarters, very strongFull history
Star Rating 5.0 to 5.0, Health Grade A+ to A+
The Texas Ratio for this credit union has stayed very strong since Q3 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
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 Updated10/10/2026
Rate History
1 change since Sep 14, 2026 · 4.05% → 4.30% ▲ 0.25 pts · high 4.30% / low 4.05%
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 Updated10/10/2026
Rate History
1 change since Sep 14, 2026 · 4.05% → 4.30% ▲ 0.25 pts · high 4.30% / low 4.05%
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 Updated10/10/2026
Rate History
1 change since Sep 14, 2026 · 4.05% → 4.30% ▲ 0.25 pts · high 4.30% / low 4.05%
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 Updated10/10/2026
Rate History
1 change since Sep 14, 2026 · 3.85% → 4.10% ▲ 0.25 pts · high 4.10% / low 3.85%
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 Updated10/10/2026
Rate History
1 change since Sep 14, 2026 · 3.85% → 4.10% ▲ 0.25 pts · high 4.10% / low 3.85%
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 Updated10/10/2026
Rate History
1 change since Sep 14, 2026 · 3.85% → 4.10% ▲ 0.25 pts · high 4.10% / low 3.85%
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 Updated10/10/2026
Rate History
1 change since Sep 14, 2026 · 3.85% → 4.10% ▲ 0.25 pts · high 4.10% / low 3.85%
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 Updated10/10/2026
Rate History
1 change since Sep 14, 2026 · 3.85% → 4.10% ▲ 0.25 pts · high 4.10% / low 3.85%
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 Updated10/10/2026
Rate History
1 change since Sep 14, 2026 · 3.85% → 4.10% ▲ 0.25 pts · high 4.10% / low 3.85%
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
DetailsWithdrawal 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 Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 4.05% APY · checked 6 times
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 Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 6 times
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 Updated10/10/2026
Rate History
1 change since Sep 14, 2026 · 3.60% → 3.85% ▲ 0.25 pts · high 3.85% / low 3.60%
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 Updated10/10/2026
Rate History
1 change since Sep 14, 2026 · 3.60% → 3.85% ▲ 0.25 pts · high 3.85% / low 3.60%
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 Updated10/10/2026
Rate History
1 change since Sep 14, 2026 · 3.55% → 3.80% ▲ 0.25 pts · high 3.80% / low 3.55%
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 Updated10/10/2026
Rate History
1 change since Sep 14, 2026 · 3.55% → 3.80% ▲ 0.25 pts · high 3.80% / low 3.55%
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 Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
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 Updated10/10/2026
Rate History
1 change since Sep 14, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
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 Updated10/10/2026
Rate History
1 change since Sep 14, 2026 · 3.35% → 3.60% ▲ 0.25 pts · high 3.60% / low 3.35%
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 Updated10/10/2026
Rate History
1 change since Sep 14, 2026 · 3.35% → 3.60% ▲ 0.25 pts · high 3.60% / low 3.35%
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 Updated10/10/2026
Rate History
1 change since Sep 14, 2026 · 3.35% → 3.60% ▲ 0.25 pts · high 3.60% / low 3.35%
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
DetailsWithdrawal 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 Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 6 times
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 Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 6 times
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 Updated10/10/2026
Rate History
1 change since Sep 14, 2026 · 3.10% → 3.35% ▲ 0.25 pts · high 3.35% / low 3.10%
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 Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 6 times
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 Updated10/10/2026
Rate History
No change since Sep 18, 2026 · 4.05% APY · checked 3 times
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 Updated10/10/2026
Rate History
No change since Sep 18, 2026 · 3.55% APY · checked 3 times
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
DetailsQualifications 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 Updated10/10/2026
Rate History
No change since Sep 27, 2026 · 3.25% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.20%
IRA Savings Account
0.90%
0.90%
Min Deposit$50
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 0.90% APY · checked 6 times
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
DetailsBalance: $50.00 & Over
Last Updated10/10/2026
Rate History
No change since Sep 27, 2026 · 0.25% APY · checked 3 times
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
DetailsBalance: $50.00 & Over
Last Updated10/10/2026
Rate History
No change since Sep 27, 2026 · 0.25% APY · checked 3 times
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 Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 0.25% APY · checked 6 times
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
DetailsMoney 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 Updated10/10/2026
Rate History
1 change since Sep 14, 2026 · 2.20% → 2.22% ▲ 0.02 pts · high 2.22% / low 2.20%
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
DetailsBalance: $0 - 49,999.99
Last Updated10/10/2026
Rate History
1 change since Sep 27, 2026 · 0.50% → 0.70% ▲ 0.20 pts · high 0.70% / low 0.50%
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%
DetailsA 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 Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 1.75% APY · checked 4 times
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
DetailsBalance: $0 - 49,999.99
Last Updated10/10/2026
Rate History
1 change since Sep 18, 2026 · 0.25% → 0.45% ▲ 0.20 pts · high 0.45% / low 0.25%
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
DetailsQualifications 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 Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 5 times
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
DetailsBalance: $0 - 25,000.00
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 3.00% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.20%
Liberty/Liberty Plus Checking
0.01%
0.01%
Min Deposit$20
DetailsBalance: $0 - 25,000.00
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 0.01% APY
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 Updated10/10/2026
Rate History
1 change since Sep 14, 2026 · 6.64% → 7.14% ▲ 0.50 pts · high 7.14% / low 6.64%
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 Updated10/10/2026
Rate History
1 change since Sep 14, 2026 · 7.01% → 7.51% ▲ 0.50 pts · high 7.51% / low 7.01%
1 change since Sep 14, 2026 · 6.80% → 7.42% ▲ 0.62 pts · high 7.42% / low 6.80%
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
DetailsAs Low As
Last Updated10/10/2026
Rate History
1 change since Sep 14, 2026 · 6.20% → 6.84% ▲ 0.63 pts · high 6.84% / low 6.20%
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
DetailsAs Low As
Last Updated10/10/2026
Rate History
1 change since Sep 14, 2026 · 6.69% → 7.41% ▲ 0.72 pts · high 7.41% / low 6.69%
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
DetailsAs Low As
Last Updated10/10/2026
Rate History
1 change since Sep 14, 2026 · 6.80% → 7.42% ▲ 0.62 pts · high 7.42% / low 6.80%
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.
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
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
Quarter
Total assets
Texas Ratio
Star Rating
Health Grade
June 30, 2026
$4.8B
4.20%
5.0
A+
March 31, 2026
$4.8B
4.29%
5.0
A+
December 31, 2025
$4.7B
5.44%
5.0
A+
September 30, 2025
$4.7B
4.64%
5.0
A+
June 30, 2025
$4.6B
4.52%
5.0
A+
March 31, 2025
$4.7B
3.79%
5.0
A+
December 31, 2024
$4.5B
4.91%
5.0
A+
September 30, 2024
$4.4B
4.70%
5.0
A+
June 30, 2024
$4.4B
4.24%
5.0
A+
March 31, 2024
$4.4B
3.69%
5.0
A+
December 31, 2023
$4.3B
4.74%
5.0
A+
September 30, 2023
$4.3B
4.50%
5.0
A+
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.
Address
2730 Rodd Field Rd,
Corpus Christi, TX 78414-3146
Phone361-985-7300
Fax
PresidentGerald Villarreal
CEODana Sisk
Full-Time Employees727
Part-Time Employees38
Branch Locations22
ATM Locations3
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
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.
Learn more about the MBR Health & Safety Badge program on our methodology page.
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Average Rating
☆☆☆☆☆
Total Reviews
0
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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.