Credit Cards
Reliance FCU regularly beats top branded credit card rates - starting as low as 10.99% we offer the perfect combination of access to credit, lower interest rate, and connection to the Visa payment network across the world.
2026 Balance Transfer Promotion
Our 2026 Balance Transfer Promotion is finally here! Transfer credit card balances to Reliance FCU at 6.99% - that’s over 3x less than the national credit card average. Rate remains 6.99% of transferred balance until paid in full. See attached form for more details and the full terms and conditions.
Credit Card Rates
| Loans | Rate | APR* | Credit Limit |
|---|---|---|---|
| RFCU Visa Classic | 12.99 | 12.99 | $300-$4,900 |
| RFCU Visa Platinum | 10.99 | 10.99 | $5,000 and up |
| Secured Visa (Secured) | Contact Us | Contact Us | Secured Amount |
Lower Your Rate with Collateral
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A Home Equity Loan from Reliance Federal Credit Union gives you a dependable, fixed‑rate way to borrow against the value of your home. It’s ideal when you know exactly how much you need to borrow—such as for home improvements, major purchases, or consolidating higher‑interest debt.
You receive your funds in one lump sum and repay them through predictable monthly payments over a set term. This option is designed for members who want stability, straightforward budgeting, and the confidence of a fixed rate throughout the life of the loan.
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A Home Equity Line of Credit (HELOC) from Reliance FCU offers flexible, revolving access to your home’s equity.
Instead of receiving a single lump sum, you draw funds as needed—perfect for ongoing projects, unexpected expenses, or situations where costs may change over time. The line of credit features a variable rate tied to the Prime Rate, and members can borrow up to 90% loan‑to‑value (LTV). With terms up to 15 years, a HELOC gives you the freedom to borrow, repay, and borrow again as life evolves.