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RelyOn Credit Union

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RelyOn Credit Union Rates & Review March 2026

Q: How many branches does RelyOn Credit Union operate?

RelyOn Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is a member application needed to join RelyOn Credit Union?

Yes, to access services at RelyOn Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Q: Is there a first-time homebuyer program?

Currently, RelyOn Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, RelyOn Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: March 29, 2026

You can compare RelyOn Credit Union rates to other rates in our database, including 12-month share certificate rates currently at 3.40%, 6-month share certificate rates at 4.06% and 3-month share certificate rates at 4.10%. Savings rates are at 0.03% and money market rates are at 0.50%. Mortgage rates on 30-year fixed loans are around 6.22%. All these rates can be compared to RelyOn Credit Union rates. MonitorBankRates evaluates the financial stability of RelyOn Credit Union with a 4.3 Star Rating, an B- Overall Health Grade, and a Texas Ratio of 23.68%. Rates were last updated on 03/29/2026.

RelyOn Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at RelyOn Credit Union? Share your experience about RelyOn Credit Union by leaving a review below, or read customer reviews before you decide to use RelyOn Credit Union.

Overall Health & Safety Grade

B-

Adequate Health Score: 81/100

MonitorBankRates Rating

4.3

Excellent Out of 5.0 Stars

Texas Ratio

23.68%

Good Higher than avg

RelyOn Credit Union
RelyOn Credit Union

315 E Fair St
Kaufman, TX 75142 3527

https://www.relyoncu.org

Current Rate Availability

We do not have RelyOn Credit Union rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for RelyOn Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather RelyOn Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with RelyOn Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name RelyOn Credit Union

Website https://www.relyoncu.org

Address 315 E Fair St, Kaufman, TX 75142 3527

Phone 972-932-8323

Fax 972-932-8393

President Alberto Gomez

CEO Sarah Spooner

Full-Time Employees 27

Part-Time Employees 3

Branch Locations 2

ATM Locations 2

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

4.3 / 5.0 ★

Overall Health & Safety Grade

B- (81/100)

Texas Ratio

23.68%

Return on Assets (ROA)

-0.3924%

Return on Equity (ROE)

-5.5000%

Non-Performing Loans Ratio (NPL)

2.01%

Total Assets

76,120,383

Total Amount of Shares and Deposits

67,907,340

Total Shares and Deposits < 1 Year

64,917,397

Total Shares and Deposits 1 3 Years

2,739,573

Total Shares and Deposits > 3 Years

250,372

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

5,840,926

Total Uninsured Shares and Deposits > $250K (F+J)

5,840,926

Total Insured Shares and Deposits > $250K (item 17 less item K)

62,066,414

Total Interest Expense (Sum of items 6 8)

275,433

Share Certificates

345

Number of Accounts for Share Drafts

3,306

IRA KEOGH Accounts

157

Number of Accounts for Regular Shares

8,456

Non Member Deposits

Money Market Shares

251

Net Income (unless the amount is already included in Undivided Earnings)

-298,700

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

4,727,374

Total Liabilities

71,300,399

Source: NCUA — Last Updated 03/31/2024

Customer Reviews

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Total Reviews

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Frequently Asked Questions About RelyOn Credit Union

Is RelyOn Credit Union a safe place to deposit money?

Yes, RelyOn Credit Union is considered a safe financial institution. With a Texas Ratio of 23.684283694363%, the institution's financial health is rated as stable. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category.

How many branches does RelyOn Credit Union operate?

RelyOn Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join RelyOn Credit Union?

Yes, to access services at RelyOn Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, RelyOn Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, RelyOn Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does RelyOn Credit Union offer online and mobile banking?

Most modern institutions like RelyOn Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.relyoncu.org.