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Savings Accounts

Railway Credit Union offers convenient, interest-earning CD's, IRA's and savings accounts. Let us help you find the accounts that best fit your lifestyle.

  • No monthly service fees
  • FREE E-Services:
    • CU Online
    • E-Statements
    • Mobile App
  • ‚ÄčInterest Earned on Daily Balances Over $100.00
  • Direct Deposit
  • Debit Card*

  • Have to be 55 years or older
  • Senior Club Exclusive Events
  • Maintain a $500 daily balance
  • No Monthly Service Fees
  • Interest Earned on Daily Balances Over $500.00
  • Quarterly Newsletters
  • Debit Card*

For your convenience we have compiled a list of frequently requested phone numbers by our Senior Express Club members:

  • Social Security - 701-250-4620
  • Veteran Affairs - 1-800-827-1000
  • Railroad Retirement - 1-877-772-5772

  • Members Ages 0-12
  • Birthday Card Mailing
  • Free Gift at Account Opening
  • Pee Wee Club Exclusive Events
  • Interest Earned on Daily Balances Over $100.00

  • Members ages 13 - 18
  • Free gift at Account Opening
  • Special Teen Central CD
  • Grades for Green
  • Free Debit Card*
  • Interest Earned on Daily Balances Over $100.00
  • Free E-Services:
    • ‚ÄčCU Online
    • Bill Pay
    • Mobile App
    • E-Statements
    • Mobile Deposit

  • Roth IRA
  • Traditional IRA
  • Coverdell Educational IRA
  • Interest earned on balances over $100

* certain restrictions apply


  • Consumer & IRA CD’s
  • Terms from 6 months to 60 months
  • Minimum deposit of $2000.00 to open

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Traditional IRA's

This type of IRA allows you to accumulate dividends on your earnings with no taxes to pay until funds are withdrawn. Contributions are tax deductible in the year for which they are made.

Roth IRA’s

Unlike a traditional IRA, contributions made to a Roth IRA are not tax-deductible. However, the withdrawals could be penalty and tax free.

Coverdell Education Savings Account

Education savings accounts are available as a means to save for your child's education. The advantages of an education savings account are tax and penalty free withdrawals (including earnings) for qualified education expenses.

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