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Loans

Railway Credit Union offers a variety of loan options and lines of credit to suit your needs and budget. Whether you're buying or refinancing, we're here to assist you. Explore the options below, give us a call to learn more, or apply online today. 

Vehicle pricing with NADA

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Please contact Amy (NMLS #766572) at 701-557-7164  for more details.

Home Loans

We offer a variety of mortgage loan options up to 30 years with great rates and low fees, including:

  • Conventional
  • FHA
  • Rural Housing
  • VA

Home Equity Loans

Home Equity Loans offer several benefits, including a fixed interest rate that may be lower than other types of loans and a regular monthly payment. This option gives you a predictable payment schedule up to 15 years. 

If you're looking for a line of credit option, we also offer HELOC options.

A Home Equity Line of Credit (HELOC) is a flexible loan that allows homeowners to borrow against the equity in their home. This gives you access to funds for home improvements, debt consolidation, or other expenses. You only pay interest on the amount you use, making it a convenient way to manage larger or ongoing costs. 

Manufactured Loans

RCU offers loans on mobile/manufactured homes in rented lots and on owned land. Terms and rates depend on the age of the home and creditworthiness. 

Additional

We also offer flexible, affordable financing options for Lot Loans and Construction Loans.

Consumer Loans

Vehicle, Boat, Recreational Vehicle, Motorcycle, Personal, or Debt Consolidation

Apply online or call any of our offices for more details.

Credit Score Enhancement Program

Most people don’t know what they score on a credit report or understand why that score influences the rates they pay on loans. We have created a program that will help you take control of your finances. Railway Credit Union offers every member one free credit report every year so we can help guide you through  the credit report and explain all the pieces and how they fit together.

Business Loans

Let Railway help you with your business loan needs!

Apply online or call Chad Bartosh to find out more information.

  • Auto Loan²

    as low as
    5.23
    %
    APR*
    Calculate

  • VISA Credit Card

    9.95
    %
    APR*
    Calculate

  • Home Equity Loan¹

    as low as
    6.73
    %
    APR*
    Calculate

  • Share Certificates

    as high as
    4.00
    %
    APY*
    Calculate

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