Loan & Saving Rates

RelyOn us for the best rates.

APY = Annual Percentage Yield. | APR = Annual Percentage Rate. | Terms and dividends rates are subject to change without notice.

Loan Rates & Guidelines

Effective September 1, 2024

Unsecured Personal Loans

Terms	Rate*
Up to 60 months	as low as 10.99%

Credit application is required. Must be 18 years of age or older and a member of RelyOn Credit Union. Terms from 0 months to 60 months. Rates range from as low as 10.99% APR up to 17.99% maximum APR. Rates, terms and conditions are subject to change and may vary based on credit worthiness. Interest begins accruing the day the loan is funded. Restrictions may apply. (Repayment Example: The payment on a $10,000 loan would be $217.37 per month at a non-variable interest rate of 10.99% APR with a 60 month term. This equates to $3,042.46 over the life of the loan.) Membership required. Equal Opportunity Lender.

Line of Credit

Terms	Rate*
Revolving	as low as 10.99%

Mastercard

Type	Rate*
Gold	as low as 9.90%
Classic	as low as 12.90%

No annual fee. Required minimum payment of $18.00/month or 3% of outstanding balance.

Auto Purchase or Refinance & Motorcycle

Terms	Rate*
60 months or less	as low as 5.99%
72 months	as low as 6.25%

¹+ Tax, Title, License, GAP coverage and Warranty

Other Vehicle Loans (RV & Boats)

Terms	Rate*
60 months or less	as low as 7.49%
72 months	as low as 7.75%

Share (Deposit) Secured Loan

Terms	Rate*
Up to 60 months	Share Rate plus 3.0%

RelyOn Certificate of Deposit Secured Loan

3.00% over the certificate rate not to exceed the term of the certificate.

Other Secured Loans

The limit is set by law and Credit Union policy, repayment depends on security. Call for rate information.

*Annual percentage rate, as low as – all rates subject to change and can vary based on credit-worthiness and terms of the loan.

Rate Disclosures

Credit application is required. Must be 18 years of age or older. Membership required. Rates, terms, and conditions are subject to change and may vary based on credit worthiness. Interest begins accruing the day the loan is funded. Other restrictions may apply. Equal Opportunity Lender.

Dividend Rate Schedule

Effective September 1, 2024

Important Notice: Your credit union is NOT a bank or investment firm. Your aggregate funds in Savings, Checking, Money Markets, and Certificates are insured by NCUA up to $250,000.

Financial institutions may not deposit funds at RelyOn.

RelyOn 365 checking member can get a rate bump on all new and renewing Term Share Certificates!¹

APY = Annual Percentage Yield
$500 Minimum
Dividends post monthly
Early withdrawal of Certificate may incur a penalty
RelyOn 365 checking member can get a rate bump on all new and renewing Term Share Certificates!¹

Term IRA Certificates - Traditional & Roth

Terms	APY
12 month	4.20%**
24 month	3.85%**
36 month	3.25%**

• APY = Annual Percentage Yield
• Dividends post monthly
• Early withdrawal of Certificate may incur a penalty

Regular Certificate Rates (Term Share Certificates)

Terms	APY
3 month	3.50%
6 month	4.00%
12 month	4.20%
18 month	3.85%
24 month	3.85%
30 month	3.45%
36 month	3.25%

• APY = Annual Percentage Yield
• Dividends post monthly
• All Term Share Certificates receive a bump of 0.365% APR with RelyOn 365 Checking.

Other Savings Accounts

Account Type	APY*
Regular Savings	0.10%
Little Foot Youth Savings² For members 17 & younger	0.10%
RelyOn365 Interest Checking Minimum balance of $500.00	0.10%
IRA Savings Accounts	0.10%
Money Market Savings (Personal)	0.10%

Compounded daily and credited monthly

All rates are subject to change without notice. For additional information call 214-357-3328.

*APY = Annual Percentage Yield. ** Pays APR monthly

+/- $500.00 Minimum to open. Dividends are posted monthly. Early withdrawal of the certificate may incur a penalty.

¹Other terms and conditions may apply. No other specials or offers apply. Please contact the Credit Union for full details. Insured by NCUA.

²Rates are subject to change without notice.