Railway Credit Union

Mandan, North Dakota
Last verified: August 4, 2026
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Verified rate book

Current Railway Credit Union rates

42 published offers verified as of August 4, 2026.

How we verify rates

Auto & vehicle rates

3 offers
Railway Credit Union auto & vehicle rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
New & Used Auto/Motorcycle Loanmotorcycle_any4.680% APR4.680%anyStandard
Auto Loanauto4.680% APR4.680%—Standard
RV Loanrv5.170% APR5.170%—Standard

HELOC rates

2 offers
Railway Credit Union heloc rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
HELOC (Fixed)heloc_fixed6.220% APR6.220%—Standard
Fixed Rate HELOC 5-year Term. Interest Only Paymentsheloc_fixed6.220% APR6.220%—Standard

Credit card rates

1 offer
Railway Credit Union credit card rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Credit Cardcredit_card9.950% APR9.950%—Standard

Savings & CD rates

36 offers
Railway Credit Union savings & cd rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
High Yield Savingssavings0.25% APY0.25%—Standard
High Yield Savingssavings0.45% APY0.45%—Standard
IRA Investments ($100.00 - $9,999.99)ira0.60% APY0.60%—Standard
IRA Investmentsira0.60% APY0.60%—Standard
High Yield Savingssavings0.70% APY0.70%—Standard
Senior Express Club Savings**savings0.75% APY0.75%—Specialty offer
IRA Investments ($10,000 - $24,999.99)ira0.85% APY0.85%—Standard
IRA Investmentsira0.85% APY0.85%—Standard
IRA Investmentsira1.10% APY1.10%—Standard
IRA Investments ($25,000 - $99,999.99)ira1.10% APY1.10%—Standard
High Yield Savingssavings1.20% APY1.20%—Standard
Senior Express Club Savings**savings1.20% APY1.20%—Specialty offer
IRA Investments ($100,000+)ira1.75% APY1.75%—Standard
High Yield Savingssavings1.75% APY1.75%—Standard
CD Investments** (9 month)cd_9mo2.50% APY2.50%9 moStandard
CD Investments** (48 month)cd_48mo2.96% APY2.96%48 moStandard
CD Investments** (36 month)cd_36mo2.96% APY2.96%36 moStandard
CD Investments** (18 month)cd_18mo2.96% APY2.96%18 moStandard
CD Investments** (30 month)cd_30mo2.96% APY2.96%30 moStandard
30-Month Certificatecd_30mo3.00% APY2.96%30 moStandard
18-Month Certificatecd_18mo3.00% APY2.96%18 moStandard
36-Month Certificatecd_36mo3.00% APY2.96%36 moStandard
CD Investments** (60 month Bump Rate)cd_60mo3.11% APY3.11%60 moStandard
CD Investments - Bumpcd_60mo3.15% APY3.11%60 moStandard
CD Investments** (24 month)cd_24mo3.25% APY3.25%24 moStandard
24-Month Certificatecd_24mo3.30% APY3.25%24 moStandard
CD Investments** (60 month)cd_60mo3.35% APY3.35%60 moStandard
60-Month Certificatecd_60mo3.40% APY3.35%60 moStandard
13-Month Certificatecd_13mo3.45% APY3.45%13 moStandard
12-Month Certificatecd_12mo3.69% APY3.69%12 moStandard
13-Month Certificatecd_13mo3.75% APY3.69%13 moStandard
12-Month Certificatecd_12mo3.75% APY3.69%12 moStandard
6-Month Certificatecd_6mo3.93% APY3.93%6 moStandard
6-Month Certificatecd_6mo4.00% APY3.93%6 moStandard
Certificateshare_certificate4.00% APY4.00%—Standard
6-Month Certificatecd_6mo4.00% APY4.00%6 moStandard

Vehicle loans available from 4.68% APR. HELOC rates from 6.22% APR. Credit card rates from 9.95% APR. Savings and certificate yields up to 4.00% APY.

Source: RateAPI.dev, verified from Railway Credit Union's official website

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About Railway Credit Union

Institution facts reported to the National Credit Union Administration for Invalid Date.

Members
8.6K
Assets
$207.3M
Founded
1954
Locations reported
3
NCUA charter
60787
Charter type
Federally insured state-chartered credit union

Services and member support

  • Online membership application
  • Online loan application
  • Open an account online
  • Electronic statements
  • Mobile check deposit
  • Mobile payments
  • Financial counseling
  • Financial education
  • First-time homebuyer program

Source: NCUA quarterly call report. Services are institution-reported; confirm availability with the credit union.

Other credit unions with branches nearby

Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby.

CapitalMandan · Mandan · ND · 58554Branch in the same ZIPFirst CommunityBranch - Mandan · Mandan · ND · 58554Branch in the same ZIPVue CommunityVue Community Credit Union · Bismarck · ND · 58501-4526About 12.5 miles awayHometownLINCOLN BRANCH · Lincoln · ND · 58504-8139About 12.8 miles awayDakota WestDakota West CU-Washburn Branch · Washburn · ND · 58577About 39.1 miles awayWestern CooperativeWestern Cooperative Credit Union · Hebron · ND · 58638About 52.7 miles away

Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance.

Who Can Join Railway Credit Union

Membership eligibility from Railway Credit Union's own published criteria. How we verify this.

Membership criteria are published on Railway Credit Union's website. Check the membership page below to confirm whether you qualify.

Verified from Railway Credit Union's membership page. Final membership determination is always made by the credit union.

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Frequently Asked Questions

What rates does Railway Credit Union offer?

Railway Credit Union currently offers vehicle loan, HELOC, and credit card rates. The rates shown on this page were last verified August 4, 2026 directly from the credit union's official website.

How often are Railway Credit Union rates updated?

RateAPI verifies Railway Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified August 4, 2026.

Where does RateAPI get Railway Credit Union's rate data?

Rate data is collected directly from Railway Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.

What are Railway Credit Union's auto, rv & motorcycle loan rates?

As of August 4, 2026, Railway Credit Union offers vehicle loans from 4.68% APR.

What is Railway Credit Union's HELOC rate?

As of August 4, 2026, Railway Credit Union offers home equity lines of credit from 6.22% APR.

What is Railway Credit Union's best CD rate?

As of August 4, 2026, Railway Credit Union offers savings and certificate (CD) yields up to 4.00% APY.

Related Rate Data

Compare Railway Credit Union's rates against national credit-union benchmarks.

More North Dakota credit unionsAuto loan rate benchmarkHELOC ratesCredit card ratesHow we verify rates

Source Information

Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.

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Methodology

Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives.

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  -H "Authorization: Bearer YOUR_API_KEY"
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