Rates and Products

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Ally Bank Annual Percentage Yields (APYs) displayed are accurate as of 12/17/2014

CDs

  • High Yield CD

    1.05%
    APY
    12 months
    TermAPY
    3 month0.30%
    6 month0.60%
    9 month0.65%
    12 month1.05%
    18 month1.04%
    3 year1.40%
    5 year2.00%
  • Raise Your Rate CD

    1.25%
    APY
    2 Years
    • No minimum deposit to open
    • Ally Ten Day Best Rate Guarantee
    • Daily compounded interest
    • Automatic renewal at maturity
    • Early withdrawal penalty will apply
    • Change your rate after your account is opened--if our rate on this CD goes up, yours can too. One interest rate increase with the 2 year term and two interest rate increases with the 4 year term.
    TermAPY
    2 year1.25%
    4 year1.30%
  • No Penalty CD

    0.87%
    APY
    11 months
    • No minimum deposit to open
    • Ally Ten Day Best Rate Guarantee
    • Daily compounded interest
    • Automatic renewal at maturity
    • You can withdraw all your money anytime after the first six days following the date you funded the account, and keep the interest earned with no penalties.

Checking

  • Interest Checking

    0.10%
    APY

    Balances less than $15,000

    0.60%
    APY

    Balances of $15,000 or more

    • No minimum deposit to open
    • Daily compounded interest
    • Make deposits from home with Ally eCheck Deposit℠  
    • Rate is variable and may change after the account is opened
    • Free standard checks, Popmoney®, Debit MasterCard® and Bill Pay
    • Some fees, such as those for returned deposit items and outgoing wires, may reduce earnings
    Balances APY
    less than $15,000 0.10%
    $15,000 or more 0.60%

Savings

  • Online Savings

    0.95%
    APY
    • No minimum deposit to open
    • No monthly maintenance fees
    • Daily compounded interest
    • Six transactions per statement cycle with no fees. Why only 6?
    • Rate is variable and may change after the account is opened
    • Some fees, such as those for returned deposit items and outgoing wires, may reduce earnings
  • Money Market

    0.85%
    APY
    • No minimum deposit to open
    • No monthly maintenance fees
    • Daily compounded interest
    • Free Visa® Debit Card and standard checks
    • Six transactions per statement cycle with no fees. Why only 6?
    • Rate is variable and may change after the account is opened
    • Some fees, such as those for returned deposit items and outgoing wires, may reduce earnings

IRAs

  • IRA High Yield CD

    1.05%
    APY
    12 months
    • No minimum deposit to open
    • Secure growth for retirement savings
    • Traditional, Roth and SEP IRA plans available
    • Early withdrawal penalty will apply
    TermAPY
    3 month0.30%
    6 month0.60%
    9 month0.65%
    12 month1.05%
    18 month1.04%
    3 year1.40%
    5 year2.00%
  • IRA Raise Your Rate CD

    1.30%
    APY
    4 Years
    • No minimum deposit to open
    • Secure growth for retirement savings
    • Traditional, Roth and SEP IRA plans available
    • Early withdrawal penalty will apply
    • Change your rate after your account is opened--if our rate on this CD goes up, yours can too. One interest rate increase with the 2 year term and two interest rate increases with the 4 year term.
    TermAPY
    2 year1.25%
    4 year1.30%
  • IRA Online Savings

    0.95%
    APY
    • No minimum deposit to open
    • Earn a higher rate than traditional IRA savings
    • Traditional, Roth and SEP IRA plans available
    • Rate is variable and may change after the account is opened
    • Some fees, such as those for returned deposit items and outgoing wires, may reduce earnings