Rally Credit Union

Rally Credit Union (formerly known as Navy Army Community Credit Union and Navy Army Federal Credit Union) is a credit union headquartered in Corpus Christi, Texas, chartered and regulated under the authority of the Texas Credit Union Department of the U.S. federal government. Rally is the largest credit union in the coastal bend. As of December 2025, Rally had over $4.7 billion USD in assets, and over 238,000 members.^[2]

Rally was chartered on January 28, 1955, as Naval Employees Corpus Christi Federal Credit Union. Only employees from the Naval Air Station Corpus Christi were eligible to join. In 2003, the credit union changed its charter to open membership to all residents of the Coastal Bend.^[3] In 2012, the credit union expanded into the Rio Grande Valley, opening two locations, the first in McAllen Texas and the second in Brownsville Texas. As of 2025, there are nine branches in the Rio Grande Valley. In early 2023, the credit union announced it would be transitioning to its new name Rally Credit Union.^[4] Over the years, through careful management, outstanding customer service and over $1.3 billion in annual loans helping members buy homes, transportation and to grow their businesses, Rally has become the largest credit union headquartered in South Texas.

Rally's field of membership is set by the Texas Credit Union Department. As with all credit unions, membership in Rally is limited to individuals sharing the common bond defined in its credit union charter. Membership in Rally is limited to all people, businesses and/or legal entities who live, work, worship and/or go to school in Aransas, Bee, Cameron, Hidalgo, Jim Wells, Kleberg, Nueces, and San Patricio counties. In 2023, Rally Credit Union partnered with the Texas Consumer Council (TXCC) to open membership to anyone in Texas who has a membership with TXCC.

Rally is chartered with Texas Credit Union Department as a community credit union. Like all credit unions, Rally is governed by a board, elected by and from its membership.

In the summer of 2011 the board of Rally proposed changing from a federal charter to a State of Texas charter. This change would provide Rally the opportunity to expand into additional geographic areas of Texas.^[5]

Rally offers a suite of account services offered by most financial institutions, including savings accounts, checking accounts, IRA accounts, and CDs. The savings product is named "Share Savings" to reflect the fact that a member's initial savings deposit ($15) literally represents their share of ownership in the credit union. Rally also offers members consumer auto loans, mortgages and home equity lines of credit, as well as a full suite of small business services and accounts.

Rally has 23 branches and convenient ITMs located in its Coastal Bend and Rio Grande Valley branches and service area. Rally offers extensive online services via its corporate website with chat and video options, online banking, mobile banking, secure and flexible fund transfers, and more.