Skip to main content

Rates

Effective December 8th, 2025

 
CD Investments**
Term Stated Rate APY*
6 month 3.45% 3.50%
9 month 2.50% 2.50%
12 month 3.45% 3.50%
18 month 2.96% 3.00%
24 month 3.25% 3.30%
30 month 2.96% 3.00%
36 month 2.96% 3.00%
48 month 2.96% 2.96%
60 month 3.35% 3.40%
60 month Bump Rate 3.11% 3.15%
CD Specials
Term Stated Rate APY*
13 month 3.45% 3.50%

 

*APY = Annual Percentage Yield. Rates advertised as high as. $2,000 minimum 

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*
13 month 3.45% 3.50%

 

*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.

 

Consumer Loans
Loan Type Annual Percentage Rate Range (APR)
New & Used Auto/Motorcycle 4.68% to 17.15%¹
Recreational Vehicles² 5.17% to 17.15%¹
Home Loans
Loan Type Annual Percentage Rate Range (APR)
Fixed Rate Home Equity Line of Credit 5-year Term. Interest Only Payments 6.45% to 17.55%³

Fixed Rate Home Equity 5-15 year Terms

Please contact Amy (NMLS #766572) at 701-557-7164 or amy@railwaycu.com  for more details.

 

¹Annual Percentage Rate (APR) is accurate as of September 19, 2025, and subject to change. Example: based on a $35,000 loan for 36 months. Actual rate may vary by credit history and underwriting. All loans are subject to approval. Terms and conditions may change without notice. Restrictions may apply.
²Recreational Vehicles include but are not limited to: boats, campers, travel trailers, ATVs, UTVs, snowmobiles, and other titled/non-titled recreational units. 
³Annual Percentage Rate (APR) is accurate as of September 19, 2025, and subject to change. Fixed Rate Home Equity Loans (HELOC)  based on a $25,000 loan. Actual rate may vary by credit history and underwriting. All loans are subject to approval. Terms and conditions may change without notice. Restrictions may apply.
 

  • Auto Loan²

    as low as
    4.68
    %
    APR*
    Calculate

  • VISA Credit Card

    9.95
    %
    APR*
    Calculate

  • Home Equity Loan¹

    as low as
    6.45
    %
    APR*
    Calculate

  • Share Certificates

    as high as
    3.50
    %
    APY*
    Calculate

View All Rates

CO-OP Locator

Find a CO-OP ATM or
Shared Branch Near You