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 1, 2023
Unsecured Loans
Terms | Rate* |
---|---|
Up to 60 months | 9.90% - 17.79% |
Teacher Supply Loan Borrow up to $2,500 up to 24 months | 7.00% |
Line of Credit
Terms | Rate* |
---|---|
$10.00 minimum payment | 9.90% - 17.79% |
Mastercard
Type | Rate* |
---|---|
Gold | 9.90%-12.90% |
Classic | 12.90%-18.00% |
Secured | 15.90%-18.00% |
New Auto - as low as ¹
Terms | Rate* |
---|---|
Up to 48 months | 5.75% |
49 - 60 months | 6.15% |
61 - 75 months | 6.55% |
76 - 84 months | 6.79%² |
²Terms 76 months and greater apply to loan amounts > $30,000.
Used Auto - as low as
Terms | Rate* |
---|---|
Up to 48 months | 5.99% |
49 - 60 months | 6.45% |
61 - 75 months | 6.99% |
76 - 84 months | 7.14% |
Real Estate
All real estate, mortgage, home equity/cash out loan requests |
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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
Terms | Rate* |
---|---|
Up to 60 months | 4.0% |
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. |
Boat, Tractor, Equipment and Motorcycle: New and Used - as low as ³
Type | Terms | Rate* |
---|---|---|
New and Used | Up to 48 months | 6.99% |
New and Used | 49 - 60 months | 7.29% |
New and Used | 61 - 75 months | 7.89% |
New and Used | 76 - 84 months | 8.79% |
New and Used | 85 months and greater | 9.79% |
*Annual percentage rate, as low as – all rates subject to change and can vary based on credit-worthiness and terms of the loan.
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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 March 1, 2023
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.
Term Share Certificates
Terms | APY |
---|---|
3 month | 0.60%** |
6 month | 2.75%** |
12 month | 4.00%** |
18 month | 4.15%** |
24 month | 4.05%** |
30 month | 4.00%** |
36 month | 4.00%** |
RelyOn 365 checking member can get a 0.365% APR 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 0.365% APR bump on all new and renewing Term Share Certificates!¹ |
Term IRA Certificates - Traditional & Roth
Terms | APY |
---|---|
12 month | 4.00%** |
24 month | 4.05%** |
36 month | 4.00%** |
• Dividends post monthly
• Early withdrawal of Certificate may incur a penalty
Other Savings Accounts
Account Type | APY* |
---|---|
Regular Savings | 0.10% |
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 Accounts | 0.25% |
Money Market Savings (Personal or Business) $0 - $2,499.99 | 0.00% |
$2,500 - $24,999.99 | 0.20% |
$25,000 - $49,999.99 | 0.25% |
$50,000 - $99,999.99 | 0.30% |
$100,000+ | 0.35% |
Health Savings Accounts (HSA)² $0.01 - $3,000.00 | 3.00% |
$3,000.01 + | 0.05% |
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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 0.365% APR bump on all new or renewing Term Share Certificates.
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.