Rally Credit Union has big plans for the Rio Grande Valley

Rally Credit Union, formerly Navy Army Community Credit Union, has its roots in Corpus Christi but has seen significant growth in its Rio Grande Valley footprint since expanding into the region in 2012. 

About half of its 238,742 members live across the Valley, and the credit union is expanding its branch footprint and opening a corporate office in McAllen by the end of 2026. 

The credit union’s membership includes Nueces, Kleberg, San Patricio, Jim Wells, Aransas, Bee, Hidalgo, and Cameron counties, but any Texas resident is eligible for membership through a partnership with the Texas Consumer Council. 

The credit union primarily serves consumers with checking and savings accounts, auto loans, and home mortgages. But it also does some business lending and has rolled out products for homebuilders in recent years, such as 100% financing for new home construction, rather than the 80% financing that is more common. 

It’s a customized loan product known as a construction-to-permanent loan, which provides a one-time approval for the homeowner to pay for the construction of a home, which is then converted into a monthly loan payment as a home mortgage. A construction loan and a mortgage are typically two different products with different interest rates and closing costs.

“We felt like we filled a need for financial services in South Texas, so we looked for areas that fit the same demographics as those here in Corpus,” said Dana Sisk, CEO, Rally Credit Union, based in Corpus Christi. “We knew our model works for the demographic: a modest household income, maybe a little bit of banged-up credit. We are sometimes what we consider the last line of defense between traditional financial services and predatory financial services like check cashing and buy here, pay here dealerships.” 

The credit union has ten locations across the Valley so far and expects to add more. 

“We’re still building branches when a lot of financial institutions are not because we believe that South Texans still want to come see us in person pretty often,” Sisk said. 

For example, the credit union is currently expanding its lobby in Pharr to accommodate more tellers. 

Rally Credit Union expects to open a $1.3 million branch office in Brownsville along Ruben Torres Boulevard near Sunrise Mall by September 2026, state construction records show. The credit union opened branches in Harlingen and Alamo in recent years and retrofitted branches in Weslaco and Pharr. 

The credit union’s newest corporate office will be next to a branch on Northgate Lane and North 10th Street. Some of those employees will be contact center agents, especially those with Spanish-language skills, as well as the information technology department and other workers who are currently in the branch network. Most of the credit union’s contact center workers are in Corpus now, and fewer speak Spanish. 

“If a hurricane hits Corpus and the contact center’s closed, we’ve got people on the phones in the Valley, same thing with a lot of the processing staff that handles direct deposits and debit cards,” Sisk said. 

Rally Credit Union has nearly 800 employees, and 150 of them already live in the Valley. The McAllen office alone will fit about 120 workers. So they expect to hire 50 more workers in the Valley in the coming years, bringing the total workforce to an approaching 900 people. 

The next branch is expected to be in Edinburg along Interstate 69 just south of Freddy Gonzalez Drive, where the credit union purchased land in 2025 and expects to build in 2027. 

Rally Credit Union has steadily increased its total assets over the past decade, reaching $4.7 billion as of December 2025. And its net income has mostly risen to $48.5 million in 2025. 

The stimulus money in the market from the COVID-19 era somewhat distorted consumer spending, but most members have since readjusted their budgets since then, she said. 

“People seem to have adjusted their budgets to the new reality and to the inflation we saw in those years, and so loan performance was better in 2025,” she said. “We’ve also invested in a lot of technology in recent years, and we believed that would bring us efficiencies. And we’re beginning to see that happen.”