RelyOn Credit Union (TX) Celebrates 70th Anniversary With CD Specials


Deal Summary: 21-month Certificate Special, 2.70% APY, $500 minimum deposit, new money.

Availability: Residents of Dallas County and Kaufman County, Texas.

In celebration of its 70th anniversary, RelyOn Credit Union (RelyOn) has added three limited-time Certificate Specials, all of which incorporate “70” in the APYs. While the 21-month Certificate Special (2.70% APY) is quite competitive, the 7-month (0.70% APY) and 14-month (1.70% APY) have less than stellar rates. The minimum deposit for any Specials is $500, with no stated balance cap. There is no specified end-date for the Certificate Specials; it’s another case of “it’s available until it no longer is.”

As stated on the Fee Schedule page, the Early Withdrawal Penalty reads as follows:

Terms greater than 12 months, less than 35 months – 180 days interest

According to CSR, partial withdrawals are allowed.

Funding a Certificate Special can be done by ACH, wire (no charge for incoming wires), check, or cash. CSR stated that if a check is mailed, the Certificate Special will not be considered to be officially “open” until the check is received by RelyOn. Maturing funds will be distributed by cashier’s check mailed to the address on file or by wire ($30 fee).


Headquartered in Dallas, Texas, RelyOn Credit Union’s field of membership (FOM) is residency based, with individuals who live, work, worship, or attend school in either Dallas County or Kaufman County eligible to join.

Joining RelyOn can be done online, or at either of two full-service Texas branches located in Forney and Kaufman.

The Membership Application is available as a fillable download and can be returned to any branch location in person or by mail.

There is news about the Dallas branch location:

Our Dallas building at 8989 Harry Hines has been sold. It is currently under contract, and our last day to occupy the building is June 30, 2022.

The Dallas location of RelyOn is too large for our needs and costs too much money to maintain. We are in the business of saving our members money, not costing you money!

In an unusual and innovative move, the Dallas branch will transition to a virtual branch beginning on August 2, 2022.

With so many members adapting to our digital services, it no longer makes sense to operate the Dallas Branch. Instead, we are choosing to reinvest our resources into helping you bank more on your own time—which is a good thing!

After the membership application is approved, a Certificate Special can be opened over the phone (214.357.3328) or at either of the above-mentioned branches.

A minimum $10 deposit into a Regular Savings Account establishes membership with RelyOn.

RelyOn participates in the CO-OP ATM network, but not the Shared Branch network.

Credit Union Overview

RelyOn Credit Union has an overall health grade of "B" at, with a Texas Ratio of 11.99% (above average), based on March 31, 2022 data. In the past year, RelyOn Credit Union has increased its total non-brokered deposits by $4.32 million, an excellent annual growth rate of 6.35%. Please refer to our financial overview of RelyOn Credit Union (NCUA Charter #68325) for more details.

RelyOn Credit Union was founded in 1952 as the Employees Credit Union (ECU), serving the employees of the East Texas Motor Freight System of Texarkana. The RelyOn rebrand occurred about five years ago, when ECU merged with Kaufman County Credit Union. In 2020, RelyOn partnered with the North Carolina-based Zogo, which provides a financial literacy app targeting Gen Z.

Zogo is a mobile app for kids 13+ that pays you (yes, pays you!) to learn financial literacy.

Earn points that get you gift cards to your favorite places (think: Amazon, Walmart, Starbucks) by successfully completing short, bite-sized modules.

How the 21-Month Certificate Special Compares

When compared to similar length-of-term CDs tracked by that are available nationally and have minimum deposit requirements of $10k or less, only one credit union has a higher rate than currently offered on the RelyOn Credit Union 21-Month Certificate Special. The following tables compares the 21-Month Certificate Special to the two highest-rate CDs from other credit unions and the two highest-rate CDs from banks.

The above information and rates are accurate as of 6/11/2022.

To look for the best CD rates, both nationwide and state specific, please refer to our CD Rates Table page.

Related Pages: Dallas CD rates, 1-year CD rates, 5-year CD rates

RelyOn Credit Union (TX) Adds Two Short-Term CD Specials
Deal Summary: Certificate Specials – 6-month (1.00% APY) and 12-month (1.10% APY), $2.5k minimum deposit, new money.

Availability: Residents of Dallas County and Kaufman County, Texas.

Beginning today, RelyOn Credit Union (RelyOn) is offering two limited-time Certificate Specials: 6-month (1.00% APY) and 12-month (1.10% APY). The minimum deposit for either of these Specials is $2.5k of new money, which is defined as funds not currently in a RelyOn account. There is no specified end-date for the Certificate Specials: it’s another case of “it’s available...

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RelyOn Credit Union (TX) Adds 24-Month CD Special
Deal Summary: Certificate Specials – 18-month (2.80% APY), 24-month (3.00% APY), 30-month (3.10% APY) $1k minimum deposit, new money.

Availability: Residents of Dallas and Kaufman Counties, Texas.

For a limited time, RelyOn Credit Union is offering three Certificate Specials: 18-month (2.80% APY), 24-month (3.00% APY), and 30-month (3.10% APY). The minimum deposit for any of these Specials is $1k of new money. “Current money in a RelyOn account does not qualify for promotional rate.”

According to CSR, the Early Withdrawal Penalty for any...

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