ALLYDigital Bank
Latest Ally Bank Interest Rates - September 2026
Ally Bank
1-Year CD: 3.9% Prime Rate: 6.75%
Interest Rate Summary
Ally Bank Interest Rates & Retail Products Overview
Quick Summary: Official interest rates, benchmark yields, and retail consumer products offered by Ally Bank (ALLY) across the United States:
Key Deposit Rates & Benchmark:
- Reference Prime Rate: Standing at 6.75%, serving as the broader market benchmark index.
- Online High Yield Savings: Ally Online Savings Account earns a variable 3.00% APY with $0 minimum balance requirements and automated smart savings tools (buckets and boosters).
- High Yield Certificates of Deposit (CDs): Fixed CD terms offer competitive yields with no minimum deposit to open:
- 3-Month CD: 2.70% APY
- 6-Month CD: 3.50% APY
- 9-Month CD: 3.75% APY
- 12-Month CD: 3.90% APY
- 14-Month Select CD: 4.00% APY (Special promotional term)
- 18-Month CD: 4.00% APY
- 2-Year to 3-Year CDs: 3.50% APY
- 11-Month No-Penalty CD: Up to 3.80% APY
- Loyalty Reward: Existing customers receive a 0.05% APY loyalty reward boost when renewing maturing CDs.
Consumer Lending & Financing Status:
- Mortgage Origination: Ally ceased direct retail residential mortgage originations to focus core capital on its flagship digital deposits and auto financing businesses.
- Auto Financing: Sourced through Ally Auto's nationwide automotive dealership network, financing rates for prime tier borrowers (720+ credit score) start around 4.75% APR for terms up to 72 months (6 years).
- Personal Loans & Credit Cards: Ally exited the point-of-sale consumer personal loan business (divestiture of Ally Lending) and completed the sale of its credit card operations, discontinuing new retail applications.
💡 Financial Tip: High-yield savings rates are variable, whereas High Yield CDs feature Ally's 10-Day Best Rate Guarantee to lock in the highest rate available within 10 days of funding.
CD & Savings Interest Rates - ALLY
Unit: %/year| Term / Maturity | Branch APY | Online / Digital APY 📱 |
|---|---|---|
| Standard Savings | 3% | 3.05% |
| 1 Month | - | 0.05% |
| 3 Months | 2.7% | 2.75% |
| 6 Months | 3.5% | 3.55% |
| 12 Months (Benchmark ⭐) | 3.9% | 3.95% |
| 24 Months | 3.5% | 3.55% |
| 36 Months | 3.5% | 3.55% |
Featured Loan Products - ALLY
Loan Guide & Terms →mortgageALLY
5.5% /yr
- • Promo period: 12 months
- • Max loan term: 25 years
- • Max borrowing limit: 80% of value
auto loanALLY
4.75% /yr
- • Max loan term: 6 years
- • Max borrowing limit: 80% of value
personal loanALLY
9.5% /yr
- • Max loan term: 5 years
student loanALLY
6.5% /yr
- • Max loan term: 15 years
Advanced Loan Calculator
Calculate Loan Payments for Ally Bank
Simulate monthly principal and interest payments at 6.75%/yr APR for ALLY with detailed amortization schedule and Excel export.
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