Railway Credit Union - Rates

Effective September 15th, 2025

CD Investments**
Term	Stated Rate	APY*
9 month	2.50%	2.50%
12 month	3.45%	3.50%
13 month	3.45%	3.45%
18 month	3.00%	3.04%
24 month	3.45%	3.50%
30 month	3.00%	3.04%
36 month	3.00%	3.04%
48 month	3.00%	3.04%
60 month	3.45%	3.50%
60 month Bump Rate	3.25%	3.30%

CD Specials
Term	Stated Rate	APY*
6 month	3.93%	4.00%

*APY = Annual Percentage Yield. Rates advertised as high as.

Effective March 01, 2025

IRA Investments
Balance	Stated Rate	APY*
$100.00 - $9,999.99	0.60%	0.60%
$10,000 - $24,999.99	0.85%	0.85%
$25,000 - $99,999.99	1.10%	1.11%
$100,000+	1.75%	1.76%

CD Specials
Term	Stated Rate	APY*
6 month	3.93%	4.00%

*APY = Annual Percentage Yield. Rates advertised as high as.

Effective October 01, 2024

High Yield Savings
Balance	Stated Rate	APY*
$100 - $4,999.99	0.25%	0.25%
$5,000 - $24,999.99	0.45%	0.45%
$25,000 - $99,999.99	0.70%	0.70%
$100,000 - $249,999.99	1.20%	1.21%
$250,000+	1.75%	1.76%

Senior Express Club Savings**
Balance	Stated Rate	APY*
$500.00 - $24,999.99	0.75%	0.75%
$25,000+	1.20%	1.21%

Club Savings Accounts
Account Name	Stated Rate	APY*
Pee Wee Club	See Savings Rates	N/A
Teen Central Club	See Savings Rates	N/A

*APY = Annual Percentage Yield. Rates advertised as high as.

**Maintain a $500 daily balance. Have to be 55 years or older to have a Senior Express Club Savings account

Effective October 01, 2024

Regular Checking Accounts**
Balance	Stated Rate	APY*
$100+	0.05%	0.05%

Senior Checking Accounts**
Balance	Stated Rate	APY*
$100 - $24,999.99	0.10%	0.10%
$25,000 - $99,999.99	0.30%	0.30%
$100,000+	0.50%	0.50%

*APY = Annual Percentage Yield. Rates advertised as high as.

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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