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Railway Credit Union

Popular Accounts at this Credit Union

1.51%5-year CD5 Year Bump a Rate CD
0.75%1-year CD12 Month CD
0.25%SavingsHigh Yield Savings

Overview / Commentary
1006 E Main St
Mandan, ND 58554-3762

Railway Credit Union is headquartered in Mandan and is the 12th largest credit union in the state of North Dakota. It is also the 1,614th largest credit union in the nation. It was established in 1954 and as of March of 2016, it had grown to 21 employees and 6,963 members at 3 locations. Railway Credit Union has an A health rating.

Field of Membership Restrictions

Membership is open to employees and retirees of MDU Resources Group, BNSF Corporation, Teamsters 123 and AFL-CIO members, CP Rail, Century Link, AT&T and all affiliated telecommunication employees.
See current membership details


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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Railway Credit Union has a relatively low asset base.

Health Grade Components

NCUA #60787
Year Chartered1954
Primary Regulator
Profit Margin
Return on Assets - YTD1.15%
Return on Equity - YTD8.59%
Annual Interest Income$915.00K
Assets and Liabilities
AssetsQ1 2016vs Q1 2015$95.5MM$92.2MM
LoansQ1 2016vs Q1 2015$66.6MM$61.5MM
DepositsQ1 2016vs Q1 2015$81.3MM$78.8MM
Equity CapitalQ1 2016vs Q1 2015$12.6MM$11.4MM
Loan Loss AllowanceQ1 2016vs Q1 2015$562.00K$480.00K
Unbacked Noncurrent LoansQ1 2016vs Q1 2015$153.00K$135.00K
Real Estate OwnedQ1 2016vs Q1 2015$0$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Railway Credit Union Savings Account Rates

0.35%*$25k*-IRA Investments
OTHER TIERS: 0.15% Up to $10k | 0.20% $10k - $25k
0.25%*$75k*-High Yield Savings
OTHER TIERS: 0.05% $100 - $5k | 0.10% $5k - $10k | 0.15% $10k - $25k | 0.20% $25k - $75k
0.25%$500-Senior Express Club
0.10%$100-Christmas Club

Railway Credit Union Checking Account Rates

0.25%*$25k*-Senior Checking
OTHER TIERS: 0.05% Up to $1k | 0.15% $1k - $25k
0.05%$100-Regular Checking

Railway Credit Union CD Rates

2.02%$2k-60 Month CD Special
1.51%$2k-48 Month CD
1.51%$2k-5 Year Bump a Rate CD
1.51%--36 Month CD Special
1.11%--24 Month CD
1.11%--30 Month CD
1.00%$2k-18 Month CD
0.80%$2k-13 Month CD Special
0.75%$2k-12 Month CD

Railway Credit Union Locations
Branch Office1006 E Main StMandan, ND 58554-3762
Branch Office112 S 24th StBismarck, ND 58501-4924
Branch Office300 1st St SWMandan, ND 58554-4157