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

Railway Credit Union is headquartered in Mandan and is the 10th largest credit union in the state of North Dakota. It is also the 1,530th largest credit union in the nation. It was established in 1954 and as of December of 2018, it had grown to 19 employees and 7,355 members at 3 locations. Railway Credit Union's CD rates are 2X the national average, and it boasts 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.
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Health Grade Components

NCUA #60787
Year Chartered1954
Primary Regulator
Profit Margin
Return on Assets - YTD1%
Return on Equity - YTD7.04%
Annual Interest Income$4.2MM
Assets and Liabilities
AssetsQ4 2018vs Q4 2017$111.0MM$105.7MM
LoansQ4 2018vs Q4 2017$81.8MM$74.3MM
DepositsQ4 2018vs Q4 2017$93.4MM$89.3MM
Equity CapitalQ4 2018vs Q4 2017$15.7MM$14.6MM
Loan Loss AllowanceQ4 2018vs Q4 2017$610.00K$560.00K
Unbacked Noncurrent LoansQ4 2018vs Q4 2017$140.00K$237.00K
Real Estate OwnedQ4 2018vs Q4 2017$99.00K$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

0.95%*$75k*-High Yield Savings
OTHER TIERS: 0.35% $100 - $5k | 0.45% $5k - $10k | 0.55% $10k - $25k | 0.70% $25k - $75k
0.90%*$25k*-IRA Investments
OTHER TIERS: 0.55% Up to $10k | 0.75% $10k - $25k
0.85%$500-Senior Express Club
0.30%$100-Christmas Club

Railway Credit Union Checking Account Rates

0.80%*$25k*-Senior Checking
OTHER TIERS: 0.35% Up to $1k | 0.55% $1k - $25k
0.15%$100-Regular Checking

Railway Credit Union CD Rates

3.04%$2k-60 Month CD Special
2.63%$2k-60 Month Bump Rate CD
2.53%$2k-48 Month CD
2.38%$2k-36 Month CD
2.38%$2k-24 Month CD Special
2.32%$2k-30 Month CD
2.17%$2k-13 Month CD Special
2.12%$2k-18 Month CD
1.87%$2k-12 Month CD
1.11%$2k-6 Month CD
1.11%$2k-7 Month CD
1.11%$2k-9 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

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