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About Us

Our Story

The Credit Union was chartered in 1952 in Texarkana, Texas. We were originally organized to serve only the employees and families of the East Texas Motor Freight System. Over the years, we’ve changed our name but we’ve always had the same mission: to improve the financial life of each member while offering affordable, quality service you can rely on and trust. And so RelyOn Credit Union was born. We’ve opened our doors to our community and expanded our charter to allow everyone who lives, works, worships, or attends school in Dallas and Kaufman Counties.

As a member-owned credit union serving our community for over 65 years, you can RelyOn us to be there for you and your family through all of life’s milestones. Whether it’s teaching your kids good savings habits, buying your first home, or preparing for retirement, you can trust that RelyOn Credit Union will be here to help you every step of the way.

Mission Statement

Uncommon, kindhearted banking for the local good.


We’ve expanded our field of membership!

We are very excited to announce that we’ve expanded our field of membership. Now, anyone who lives, works, worships, or attends school in Dallas County can become a member of RelyOn Credit Union! This exciting change means that all of your friends and family can become a part of our Credit Union family. Additionally anyone living, working, worshiping or attending school in Kaufman County can also join the Credit Union. So tell your friends, family, or anyone you know that they can become a member of RelyOn today!

Become a Member

We also have a member referral program going on right now. Refer someone you know to open their membership with RelyOn and an additional account or loan and you’ll be rewarded!

For information and restrictions about how to be included in the RelyOn field of membership, interested parties should contact our Marketing Department for details and eligibility.

Please call or text 214-357-3328, or email marketing@RelyOnCU.org

Join a team that's fun and really cares!

Sure, we’ve got great benefits and competitive salaries. But that’s not the main reason you should work with us.

We have fun! We celebrate national days and holidays. We celebrate each other on birthdays. We dress up in costumes for Halloween. We don’t just preach fun. We live it!

We also care about the communities we serve. It’s what we talk about. It’s where we invest our resources. Making our community financially strong and secure is what gets us up in the morning.

We’re looking for team members that like to have fun and care, as well. If you want to be a part of an authentic, bright, and creative community that goes the extra mile to make sure the Kaufman, Forney, and Dallas areas have everything they need to succeed, we’d love to have you.

Along with a day filled with purpose, our employees get the following benefits:

  • A competitive base salary, with a living wage of $18/hour minimum
  • 13 paid holidays
  • Generous paid-time-off (PTO)
  • Extra floating day for your birthday
  • $2,000 funded to your Health Savings Account
  • Excellent medical, dental, and vision plans with substantial company contribution
  • A 401(k) with immediately-vested company match
  • Volunteer time off
  • Company-paid life insurance - three times your salary
  • Company-paid short- and long-term disability
  • Emergency Time Off
  • $25 Cell Phone Stipend
  • And much more!

See below for open positions!

RelyOn CU Values

At RelyOn, our values are more than just words that hang on the wall. Our teammates RelyOn each other to live them daily. They are woven into everything - our strategies, tactics, brand, employee and member experience.

  • Authentic
    Our team members are true to themselves, our members and each other. We don’t pretend to be something we’re not, and we accept everyone for who they are.
  • Bright
    We are bold and vivid in our decision-making and cheerful in our treatment of members and each other. We make smart decisions, and our brand is a light that guides our members to make smart financial decisions.
  • Creative
    We think outside the box and go beyond traditional ideas to create innovative solutions for our members, and a meaningful, progressive workplace for each other.

Career Opportunities

RelyOn Credit Union is an Equal Opportunity Employer.


Every quarter, we provide our members with an eNewsletter to keep you updated on what's going on at your Credit Union. Each newsletter will have new promotions, product and service offerings, financial education articles, community events, and anything else going on that you should be aware of. 

Spring 2021 Newsletter

Fall 2020 Newsletter

Summer 2020 Newsletter

Winter 2020 Newsletter

Fall 2019 Newsletter

Summer 2019 Newsletter

Spring 2019 Newsletter

Winter 2019 Newsletter


Not receiving our eNewsletters? Sign up for our emails now! 

Members are entitled to review or receive a copy of the most recent version of a number of credit union documents, including:

  • Balance Sheet and Income Statement 
  • Summary of Annual Audit 
  • Written board policy regarding access to the articles of incorporation, bylaws, rules, guidelines, board policies, and copies thereof 
  • Internal Revenue Service Form 990 

If you'd like to request a copy of any of these documents, please submit your request to accounting@RelyOnCU.org

Meet the Board

Board of Directors
2022 - 2025 Term Dejan Leskaroski and David Knop
2021 - 2024 Term Albert Gomez: Chairman
2023 - 2026 Term Anne Glasscock, Carolyn Mize & Joe Farrier  

Board Advisory Members:  Marian Monroe-Stewart, Camille Ehlers
Vacant Position: 2021-2024

Executive Staff

  • Sarah Spooner, CEO
  • Nicolle Kovacs, EVP/CFO

Financial Protection & Education 

At RelyOn, our goal is to be the financial institution our members can RelyOn. In addition to assisting you with all your financial needs, we also equip you with financial literacy protection as well as financial education resources. Your security is our top priority, so we've gathered the below resources to help you stay protected. 

  • RelyOn will never sell or share your information with any unnecessary third party companies or vendors
  • We will never ask you for highly sensitive information such as your Social Security Number, account numbers, etc. via email or any other non-secure virtual means
  • If you receive communication via these channels asking you for this type of information, it's most likely spam and we ask you to contact us directly as soon as possible
  • When you are reaching out to us via email or any other non-secure virtual means, please do not share highly sensitive information such as your Social Security Number, account numbers, etc.
  • You may share with us your phone number, address, etc. if you are certain you are communicating with us directly, but we suggest not listing or sharing any personal information if you are looking to communicate with us via non-secure virtual means. We will directly contact you should we need this kind of information from you.

ATM Security

Because ATMs give out cash, they are usually easy targets for scammers and thieves. Protect yourself with these security tips when using an ATM. 

  • Be aware of your surroundings. First always try to use an ATM in a well-lit, public area; ATMs located inside financial institutions or supermarkets is always best. Always look around for suspicious people in the area and if you notice anything out of the ordinary or questionable, come back later or use another ATM. 
  • Inspect your machine. Our era of scammers are smarter than ever and have began creating devices (skimmers) that connect to ATM machines and read your personal information. Inspect the machine before using it and if it looks like someone has tampered with the ATM equipment, don't use it! You should also contact the financial institution to alert them of the issue. 
  • Keep your information secure. Never write down your personal identification number (PIN), especially on the back of your card. Never tell anyone your PIN; no one, including RelyOn or the police, will ever ask you for your PIN. When typing in your PIN at the ATM or when making a purchase, cover the number pad so no one near you can see your PIN. After transactions, shred or destroy your ATM receipts so that fraudsters can't get any details from your account.
  • Put your money and card away before you leave the ATM. This will ensure that you don't forget either in the machine. Also, make sure to verify the amount you receive matches the amount you withdrew, but be discreet about it. Avoid showing your cash or fanning it out for others to see. 
  • Always report lost or stolen cards. Whether its your debit or credit card, you should always contact your financial institution as soon as you notice a card is lost or stolen. This also goes for stolen card information or fraud on your account. Report your card immediately so it can be blocked and no one can transact on your account. 

Mobile Banking Security

Mobile apps provide the convenience of banking on-the-go. But with this convenience also comes additional risks that you need to be aware of. Make sure you're protecting yourself when doing mobile banking. 

  • Check your password. Your first line of security is your password, so you want to make sure that you are using a strong password, with a mix of numbers, letters, and special characters; a strong password is something that hackers will have a hard time deciphering. Many Mobile Banking Apps now allow you to use biometric login (face, fingerprint, RelyOn's included!), which is a great alternative to using a traditional password for logging in. 
  • Pay attention to your location. Keep your mobile phone close to you at all times when you're out in public, it's very easy for someone to snatch it when you're not looking and now have all your personal information in the palm of their hand. Additionally, be cautious when using mobile banking apps or making mobile deposits in public, as you don't want to share any personal information with anyone lurking over your shoulder. 
  • Avoid using public WiFi. Sure we all connect to public WiFi when we're out and about (not everyone has unlimited data), but never access your online banking or mobile app when connected to public WiFi. These networks are open to the public and more suscptible. Hackers could be monitoring your activity and stealing your information. 

Identity Theft 

Identity theft is today's number one crime. Protecting your identity and financial assets from identity thieves and cyber-criminals requires consistency and discipline. These basic guidelines will go a long way toward protecting your identity.

  • Know who you are communicating with. Be cautious when revealing any personal financial information, especially your social security number (SSN). Tip: Your SSN is only required for income tax, medical or college records, loan applications, and vehicle registration. No one from RelyOn Credit Union will ask you for your SSN through an unsolicited call, email or mailing.
  • Use caution when giving out your information. If your bank or the IRS is contacting you, they should already have your social security or account number.
  • Keep items with personal information in a safe place. Shred anything you don't need, such as bank statements and paycheck stubs (yearly), checking/share draft copies and credit card receipts (every 45 days), insurance forms, and credit card solicitations (immediately). Don't carry your social security card in your wallet. If you have a street-side mailbox, consider sending your bills and statements to a P.O. Box or sign up for electronic statements. 
  • Stay up to date. Order a free copy of your credit report from each credit reporting agency every year. Verify the accuracy of your credit report and any credit activity.


A phishing scam is the fraudulent attempt to obtain sensitive information by sending spam (unwanted e-mail) to lure people to bogus websites to obtain personal information and commit identity theft. Be advised: Phishing scams and their websites often appear authentic or from a trusted source, using a company's proper logo, colors, and design elements. Use these measures to avoid being hooked by a phisher:

  • Protect your computer. Install and use a firewall, anti virus software and anti-spy ware programs on your computer.
  • Stay on top of your emails. Delete emails requesting personal information. Tip: RelyOn Credit Union will never send you an email requesting personal information.
  • When in doubt, don't click. Don't visit a website listed in an unsolicited email if you have any suspicion about its authenticity. Never use a link within an email to visit a website; instead, open a new browser and type in the URL.
  • Protect your personal information and passwords. Change your online banking and shopping account passwords every three to six months. Only enter credit card or account information via a secure website. Tip: Use websites that begin with "https" in the URL and has a padlock icon on the browser frame. If you have online access, monitor your accounts frequently.

Report Phishing Scams
Forward phishing emails to spam@uce.gov and to the company, bank, or organization impersonated in the email. You also may report phishing emails to reportphishing@antiphishing.org. The Anti-Phishing Working Group, a group of ISPs, security vendors, financial institutions and law enforcement agencies, uses these reports to fight phishing.


Vishing scams use phones instead of emails and websites like phishing scams.  The term comes from combining "voice" with "phishing". Fraudsters make it look like calls are coming from a legitimate or known phone number. They may ask to provide credit card numbers, PIN codes, and/or Social Security Numbers to verify their account or they provide another number where the consumer is to call to provide account details.

  • Be cautious. Be suspicious of all unknown callers, just as if someone is emailing you to ask for personal information. Just because your caller ID displays a phone number or name of a legitimate company, it doesn't guarantee the call is really coming from that company.
  • No soliciting. If someone is trying to sell you something or asking for your personal or financial information, ask them to identify who they work for, and then check them out to see if they are legitimate. Or if it's a bank or credit card company, call them back using a number from your bill or your card. Never provide credit card information or other private information to anyone who calls you.

Register Your Phone Number
Register your number with the National Do Not Call registry at donotcall.gov. If you are on the list and get a call from a supposed telemarketer, that could be a tip that the offer is bogus.

Report Vishing Scams
Report vishing calls to www.ftc.gov or call (888) 382-1222. If you think you've been a victim of a vishing attack you can also contact the Internet Crime Complaint Center.

Elder Abuse 

Elder Abuse is a single or repeated act occurring within any relationship where there is an expectation of trust which causes harm or distress to an elderly person. At-risk adults are vulnerable to illegal or unethical exploitation targeting funds, property, or other assets. Financial exploitation typically involves one of the following:

  • Theft of Income. This is the most common form of financial exploitation and fraud, typically involving less than $1,000 per transaction.
  • Theft of Assets. This type of fraud is typically more extensive, and often involves abuse associated with Powers of Attorney, real estate transactions, identity theft, or tax manipulation.

Report Elderly Abuse
To report suspected elder abuse, contact the Texas Department of Family and Protective Services at (800) 252-5400 or visit their website at txabusehotline.org.

Security Resources 

Act immediately if you think your identity or any of your accounts have been compromised. Here is a list of things you can do: 

  • Lost or Stolen RelyOn debit card: Call (866) 664-9364 to report your debit card lost or stolen 24/7. 
  • Lost or Stolen RelyOn credit card: Call (833) 541-0777 to report your credit card lost or stolen. You will automatically be directed to our card service provider to block your card immediately.
  • Suspicious Charges or Unusual Activity on your RelyOn debit or credit card: Call us at (214) 357-3328 during regular business hours. 
  • Unusual Activity on your RelyOn Checking or Savings Accounts: Call or text (214) 357-3328 or visit one of our nearest branches during regular business hours.
  • Think your identity has been compromised: If you're a RelyOn 365 Checking Account holder, call (800) 357-6392 to speak with a dedicated Privacy Advocate. If not, you can visit idtheftcenter.org immediately to learn more about the next steps you should take. 
  • Worried someone is using your Social Security Number: Call the Social Security Administration at (800) 772-1213 to check your Social Security Statement. 

NCUA Fraud Prevention Center
The National Credit Union Administration (NCUA) now provides a great resource for credit union members covering a variety of frauds and scams, identity theft and online security information and protection measures. Click here to visit this financial protection tool.