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 May 17, 2024

Unsecured Loans

TermsRate*
Up to 60 months10.90% - 17.79%
Teacher Supply Loan
Borrow up to $2,500 up to 24 months
8.99%

Line of Credit

TermsRate*
$10.00 minimum payment9.90% - 17.79%

Mastercard

TypeRate*
Gold 9.90%-12.90%
Classic12.90%-18.00%
Secured15.90%-18.00%
No annual fee. Required minimum payment of $18.00/month or 3% of outstanding balance.

New Auto - as low as ¹

TermsRate*
Up to 48 months 6.25%
49 - 60 months6.65%
61 - 72 months7.05%
¹+ Tax, Title, License, GAP coverage and Warranty
²Terms 61 months and greater apply to loan amounts > $20,000.

Used Auto - as low as

TermsRate*
Up to 48 months 6.99%
49 - 60 months7.25%
61 - 72 months7.65%
Terms 61 months and greater apply to loan amounts > $20,000.

Real Estate

All real estate, mortgage, home equity/cash out loan requests
Call a Loan Officer for information. Real estate loans comply with the Fair Housing Act.
Click here for a Personalized Rate Quote

Share (Deposit) Secured Loan

TermsRate*
Up to 60 months4.0%

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

Unsecured, Line of Credit, and Mastercard loans may be granted at the discretion of the loan officer. Consideration for a loan is that a member has an excellent credit rating; is financially able to repay; is of good character; and purpose is for good reason. Line of Credit, Unsecured, Share (deposit) Mastercard and Mastercard loans may not exceed a combined total of $30,000.00 per member.

Automobiles 6-9 years old, a .50% rate bump applies. For automobiles older than ten years old, a 2.50% rate bump applies. For automobiles with 100,000 miles or more, a 2.50% rate bump applies.

All loans except credit cards, Holiday Helper, Teacher Supply Loan, First Responder, and Kaufman City County Employee loans require a loan processing fee.  Please refer to Fee Schedule for the current fee.

All loan applications not approved by the Loan Officer will be referred to the Loan Committee for approval or disapproval.

Shown above are the limitations and regulations as set by Credit Union Law and policies as set by our Board of Directors and are subject to change without notice.

Dividend Rate Schedule

Effective January 12, 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

TermsAPY
12 month2.70%**
24 month2.65%**
36 month2.55%**
• APY = Annual Percentage Yield
• Dividends post monthly
• Early withdrawal of Certificate may incur a penalty

Other Savings Accounts

Account TypeAPY*
Regular Savings0.10%
Little Foot Youth Savings²
For members 17 & younger
$0.01 - $3,000.00
3.00%
$3,000.01+ 0.05%
RelyOn365 Interest Checking
Minimum balance of $500.00
0.01%
IRA Savings Accounts0.25%
Money Market Savings (Personal or Business)
$0 - $2,499.99
0.00%
$2,500 - $24,999.990.20%
$25,000 - $49,999.990.25%
$50,000 - $99,999.990.30%
$100,000+0.35%
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.

All RelyOn 365 Checking Account holders will also receive a rate bump on all new or renewing Term Share Certificates. Contact the credit union for more details.

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.

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