NavyArmy Community Credit Union Rebrands As Rally Credit Union


Deal Summary: 15-month CD, 5.00% APY, $1k minimum opening deposit.

Availability: Eight South Texas counties.

It's time to RALLY!
NavyArmy is changing its name to Rally Credit Union.

It’s been more than a year since I last wrote about NavyArmy Community Credit Union and a lot has changed for the Texas credit union, including a new name and a new website. The newly-rebranded Rally Credit Union (Rally) has added a new 15-month CD to the product line. Offering a competitive 5.00% APY, the 15-month CD can be opened with $1k minimum deposit, with no stated balance cap. While several of the Rally CDs are also offered as Jumbo CDs ($100k minimum) with substantially higher rates, the 15-month CD is not available as a Jumbo CD.

The 15-month CD is also offered as an IRA CD (Traditional, Roth, CESA), earning the same APY with the same deposit requirement.

As stated the Member Account Agreement brochure (page 28), the Early Withdrawal Penalty (EWP) reads as follows:

The penalty we may impose will equal 180 days interest whether earned or not.

In other words, the principal balance may be reduced if not enough dividends have been earned (i.e., within six months of account opening).


Headquartered in Corpus Christi, Texas, Rally Credit Union’s field of membership (FOM) has remained unchanged from the NavyArmy Community Credit Union FOM: individuals who live, work, worship, or attend school in the South Texas counties of Aransas, Bee, Cameron, Hidalgo, Jim Wells, Kleberg, Nueces, or San Patricio, are eligible for membership.

Joining Rally can be done online (there is an “Open Account” button at the top of each page of Rally’s website) or at any of the 18 full-service Texas branches, located in Aransas, Beeville, Brownsville, Corpus Christi (7), Edinburg, Kingsville, McAllen (2), Mission, Portland, Rockport, and Weslaco.

Opening and maintaining a Basic Savings account with a minimum $25 balance is required to become and remain a Rally CU member in good standing.

CDs cannot be opened online. A CD can be opened at any of the above-mentioned branch locations, or over the phone (800-622-3631) once a membership application has been approved. Existing members can open a CD in-branch or over the phone (800-622-3631).

Rally members can perform transactions at over 5,000 Shared Branch locations, including deposits, loan payments, loan advances, and much more, all without incurring any service fees.

Funding and Other Details

The following information is from a conversation with CSR.

  • Funding – ACH, wire ($25 fee), or check (if opening in-branch).
  • CO-OP Shared Branch Participant – Yes.
  • Dividends – Compounded/credited monthly. Dividends can be withdrawn by check or transferred to a Rally Basic Savings account.
  • Maturing Funds – ACH, wire ($25 fee), cashier’s check, or internal transfer to a Rally Basic Savings account.
  • Beneficiaries – Unlimited, percentages can be assigned, Social Security numbers are required.
  • Grace Period –7 calendar days before automatic renewal.
  • Credit Check – Soft pull.

Credit Union Overview

Rally Credit Union has an overall health grade of "A" at, with a Texas ratio of 4.27% (excellent) based on September 30, 2022 data. In the past year, Rally has increased its total non-brokered deposits by $119.15 million, an excellent annual growth rate of 3.35%. Please refer to our financial overview of Rally Credit Union (NCUA Charter # 68615) for more details.

A lot can change in nearly 70 years. We started out in 1955 as Naval Employees Corpus Christi Federal Credit Union (NECCFCU)—a name that said exactly who we served: the civil service employees of the Naval Air Station Corpus Christi, Texas.

Now, it’s time for a name that clearly states who we serve today. One that speaks to the way we welcome everyone who lives, works, worships or goes to school in our communities—making up our 200,000+ military and non-military members.

Following a couple of name changes, the NavyArmy Community Credit Union name was adopted in 2011, following the change to a state charter that allowed expansion into two additional Rio Grande Valley counties. Rally Credit Union is currently the fifth largest credit union headquartered in Texas (and the 91st largest in the country), with more than 217,000 members and assets in excess of $4.2 billion.

How the 15-Month CD Compares

When compared to similar length-of-term CDs tracked by which are available within the FOM and have minimum deposit requirements of $10k or less, no bank or credit union has a higher rate than currently offered on the Rally Credit Union 15-month CD. The following table compares the 15-month CD to the two highest-rate CDs from other credit unions and to the two highest-rate CDs from banks.

The above information and rates are accurate as of 2/9/2023.

To look for the best CD rates, both nationwide and state specific, please refer to our CD Rates Table page.

Related Pages: Corpus Christi CD rates, Harlingen CD rates, 1-year CD rates, IRA CD rates

NavyArmy Community Credit Union (TX) Jumbo CDs Remain Competitive
Deal Summary: Jumbo CDs ($100k min) – 1-year, 1.10% APY; 2-year, 1.15% APY; 3-year, 1.20% APY.

Availability: Residents of eight South Texas counties.

About a year ago, I wrote about the competitive 1-year Jumbo CD offered by NavyArmy Community Credit Union (NavyArmy). While NavyArmy has been offering Jumbo CDs for only about 18 months, the 1-, 2-, and 3-year Jumbo CDs have maintained competitive rates throughout that time frame, as the majority of CD rates dropped. The non-Jumbo CDs have been part of the product line for more than...

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NavyArmy Community Credit Union (TX) 1-Yr CD Offers Competitive Rate
Deal Summary: 1-year Jumbo CD, 1.20% APY, $100k minimum deposit; 1-year CD, 1.10% APY, $1k minimum deposit.

Availability: Residents of eight South Texas counties.

A “New to Summary” CD in this week’s CD Rates Summary is the 1-year Jumbo (1.20% APY, $100k minimum) offered by NavyArmy Community Credit Union (NavyArmy). Added to the product line about six months ago, the 1-year Jumbo CD initially earning 1.50% APY. Two rates drops (in June and September) resulted in the current 1.20% APY. The 1-year CD (1.10% APY, 1k minimum)...

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NavyArmy Community CU Has Competitive 2-Year Jumbo CD
Deal Summary: 2-year Jumbo CD, 1.45% APY, $100k minimum deposit; 2-year CD, 1.35% APY, $1k minimum deposit.

Availability: Residents of eight South Texas counties.

Another “New to Summary” CD in yesterday’s CD Rates Summary is the 2-year Jumbo (1.45% APY, $100k minimum) offered by NavyArmy Community Credit Union (NavyArmy). The 2-year Jumbo CD was added to the product line about four months ago, initially earning 1.60% APY. The rate dropped to the current 1.45% APY in early June. The 2-year CD (1.35% APY, 1k minimum) has a...

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NavyArmy Community Credit Union (TX) Liberty Checking Is Rate Leader
Deal Summary: Liberty Checking, 3.01% APY on qualifying balances up to $25k.

Availability: Residents of eight South Texas counties.

It’s been ten years since I last wrote about NavyArmy Community Credit Union’s (NavyArmy) Liberty Checking account. This rewards checking account currently earns 3.01% APY on qualifying balances up to $25k. Qualifying balances over $25k earn 0.50% APY, with non-qualifying balances earning 0.10% APY.

The Liberty Checking account was added to NavyArmy’s product line in 2009, with an initial rate of 4.51% APY. While the qualifying balance cap...

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NavyArmy Community Credit Union Ups 30-Month CD
Deal Summary: CD Specials – 13-month (2.83% APY) and 30-month (3.33% APY), $1k minimum deposit.

Availability: Residents of eight South Texas counties.

It’s only been three months since NavyArmy Community Credit Union (NavyArmy) offered a 30-month CD earning 2.75% APY. In early June, that rate was increased to 3.00% APY. Last week, NavyArmy re-named that product, calling it a CD Special, and boosted the APY to 3.33%. NavyArmy also added 58 bps to its 13-month CD Special, which now earns 2.83% APY. Either CD Special can...

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