Products

New Checking Program

We are currently offering two types of checking accounts:  Classic and Crescent.  The choice is yours; please see the account description for each and decide which will best fit your needs.  You may print out the “Account Card” and complete it if you wish, or we will complete it for you.  Simply stop by or call our office; we’ll be glad to help you get your credit union checking account open!    

If you choose to print the account card and return it to us by mail, you must also select an option on “Courtesy Pay” form, sign the form and return with the Account Card.

New Auto Loans

Begin your new car search with us. True dealer cost figures, customer & dealer rebate information. Financing to 72 months for qualifying members (minimum loan amount is $30,000 for 72 mos.).

Used Autos

Call for NADA values on used cars & trucks. Click HERE for our LOW RATES!.

Home Equity Loans

Opening rate of 5.00% for the first full year. Minimum rate thereafter is 6.00%, maximum annual rate change is 2.00% and the loan cannot exceed 12.00%.

Motorcycles

Five year financing is available on new & used motorcycles. This applies only to street bikes of 500CC or greater.

RVs, Boats & ATVs

We make loans for new and used recreational vehicles. For 5th wheel trailers & motor homes terms to 10 years are available (credit & min. loan restrictions apply). New boats may be financed up to 72 months (credit & loan amount restrictions apply).

Personal Loans

Unexpected bills, travel expenses, car repairs? Give us a call. We'll tailor a loan that will fit your budget.

Railroad Federal Credit Union Visa

For card-carrying convenience, apply for a Railroad FCU Visa Classic card. You will appreciate the cost-saving advantages of a low annual percentage rate, no annual fee, and a 25-day grace period. Administered by people you know and trust. Accepted world-wide.

Regular & Roth IRA

Deposits to IRA accounts are limited. Ask your tax advisor for details on your contribution limits, allowable deductions and help in determining which IRA is right for you.

Educational IRA

Unlike traditional IRA’s, your contributions to an Educational IRA are never tax-deductible. However, an Educational IRA offers you the potential for tax-free withdrawals – including earnings. Call for more details.

Share Accounts

Our returns are consistently among the highest in the industry.

Regular Shares

Our Share Savings Account establishes you as a Member. Low minimum opening balance of $25.00. Dividends are computed on the average daily balance and paid each calendar month No monthly service fee.

Share Certificates

$1,000 min. to open. Dividends are paid from the date of deposit to the date of withdrawal on the last day of each month. Terms available from 6 months to 5 years. Monthly dividends can be mailed to you or credited to your checking account by automatic transfer.