Loan Rates & Guidelines
Effective July 1, 2022
RelyOn Credit Union would like to lighten your financial burden by offering you the ability to “skip-a-payment”. By contacting our Loan Department, we can arrange a 30 day extension on your scheduled loan payment for a small processing fee that we've lowered to $40.00, for qualified borrowers. Call our Loan Department today!
Unsecured Loans
Terms |
Rate* |
Up to 60 months |
7.99% - 17.79% |
Teacher Supply Loan**
Borrow up to $1,200 up to 12 months |
1.00% |
Tide Over Loan**
Borrow up to $1,200 up to 12 months |
12.00% |
Line of Credit
Terms |
Rate* |
Up to 48 months;
$10.00 minimum payment |
7.99% |
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 |
2.69% |
49 - 60 months |
2.99% |
61 - 75 months |
3.59% |
76 - 84 months |
4.49%2 |
Used Auto - as low as
Terms |
Rate* |
Up to 48 months |
3.49% |
48 - 60 months |
3.79% |
61 - 75 months |
4.39% |
76 - 84 months |
5.29% |
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
Terms |
Rate* |
Up to 60 months |
4.0% |
RelyOn Certificate of Deposit Secure Loan
3.00% over the certificate rate or an average rate where multiple certificates are being used to secure a loan, 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, RV, Tractor, Trailer, Equipment, Tiny Home, Motorcycle and
Motor Home Loans, New and Used - as low as 3
Type |
Terms |
Rate* |
New and Used |
Up to 75 months |
7.39% |
New and Used |
76 - 84 months |
8.79% |
New and Used |
85 months and greater |
9.79% |
Rate Disclosures
**$99 processing fee. This loan does not require a credit pull. Member must be in good standing for at least 90 days and have a minimum monthly income of $800. After perfect payment history, member can get the Holiday Helper Loan for $1,000 with no processing fee. Contact the Credit Union for full details.