Railway Credit Union Bismarck ND | Affordable Auto Loans & Business Banking

Introduction

Welcome to Railway Credit Union, where our commitment to you is at the heart of everything we do. Located at 112 S 24th St, Bismarck, ND 58501, we have been serving our community since 1954. With over 8,343 members and total assets reaching an impressive $187,541,099, we pride ourselves on being a reliable financial partner for individuals and businesses alike. At Railway Credit Union, we understand that financial decisions can shape your future. That's why we offer a range of services tailored to meet your needs from personal banking solutions like checking and savings accounts to various loan options, including auto loans and mortgages. Our total loans amount to 3,997, ensuring that we are ready to assist you in achieving your financial goals. Our leadership team, headed by CEO Paul Brucker and Board President Douglas Erhart, is dedicated to fostering a supportive environment for all our members. With a net worth of $22,870,494 and total deposits totaling $14,125,085, you can trust that your finances are in safe hands. While you can reach us at the branch for all your banking needs, please note that any official correspondence should be sent to the same address: 112 S 24th St, Bismarck, ND 58501-4924. We invite you to visit us during our operating hours from 8:30 AM to 5:30 PM Monday through Friday or give us a call at 701-222-8736. Experience the difference of community-focused banking with Railway Credit Union! For more information about our services or to become a member, check out our website at www.railwaycu.com.

Branch History & Mission

Railway Credit Union has been a pillar of the Bismarck community since its inception in 1954. Located at 112 S 24th St, Bismarck, ND 58501, our branch has grown alongside its members, fostering a culture of trust and support. Over the years, we have expanded our services and membership base, currently serving over 8,300 members with total assets amounting to $187,541,099. From our humble beginnings, Railway Credit Union has evolved significantly. We started with a simple goal: to provide financial services that benefit our local community. As we grew, so did our commitment to enhancing the financial well-being of our members. With innovations like online banking and mobile payments, we ensure that our members can access their accounts anytime, anywhere. We also offer services such as auto loans, mortgages, personal loans, and business banking to meet diverse needs. Our mission is clear: we strive to empower our members through exceptional financial services while actively supporting the community around us. We believe in giving back whether it's through educational outreach programs or partnerships with local organizations aimed at strengthening Bismarck and beyond. While you can visit us at our branch for all your banking needs during our operating hours from 8:30 AM to 5:30 PM Monday through Friday, official correspondence should be sent to our mailing address at 112 S 24th St, Bismarck, ND 58501-4924. At Railway Credit Union, we are proud of our rich history and dedicated mission. We invite everyone in the area to join us and experience firsthand the benefits of being part of a community-focused credit union. Discover how we can help you achieve your financial goals today! For more information or to become a member, please call us at 701-222-8736 or visit our website at railwaycu.com.

Branch Location & Accessibility

Welcome to the Railway Credit Union branch, your friendly financial partner located at 112 S 24Th St in Bismarck, ND. Our branch is conveniently situated in Burleigh County, making it easy for you to access our services whether you're running errands or just passing through. We're close to local landmarks that add a familiar touch to your visit, so you'll feel right at home when you stop by. At Railway Credit Union, we prioritize accessibility for all our members. Our branch features ADA-compliant entrances and ramps, ensuring everyone can reach us with ease. Plus, we offer ample parking nearby, so you can find a spot without hassle. Our operating hours are designed to fit your busy schedule: we're open Monday through Friday from 8:30 AM to 5:30 PM. Whether you need to make a quick deposit or have more complex banking needs, our team is ready to assist you during these hours. If you're on the go, take advantage of our drive-thru banking services for deposits and withdrawals without leaving your vehicle. For added convenience, we also have an ATM available at the branch. This means you can access cash anytime you need it day or night! While members can visit us at this address for all their banking needs, please note that official correspondence should be sent to our mailing address at 112 S 24th St, Bismarck, ND 58501-4924. We invite you to stop by or call us at 701-222-8736 with any questions or inquiries about our services. At Railway Credit Union, we're here to help you achieve your financial goals!

Member Eligibility

Joining the Railway community is more than just opening an account; it's about becoming part of a family that supports your financial journey. To become a member, you'll need to meet some simple eligibility criteria. Generally, individuals who live, work, worship, or attend school in the Bismarck area are welcome to join us. This means if you're part of our local community, we'd love to have you! You can find the detailed criteria at this link for any specific questions you might have. Opening an account with us is a breeze and brings along a host of benefits like competitive rates and personalized service. Whether you're looking to save for the future, finance a vehicle, or simply manage your day-to-day banking needs, Railway has got your back. If you're ready to take the next step or have questions about the process, feel free to give us a call at (701) 222-8736. We can't wait to welcome you!

Business Banking & Commercial Services

Commercial Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $386 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $5 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $48,817,635, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

In addition to loans, we offer merchant services that simplify payment processing for your business. Imagine being able to accept payments seamlessly, whether your customers are shopping online or at your store. Our tools help you manage transactions effortlessly, giving you more time to focus on what really matters growing your business. Located conveniently at 112 S 24Th St Bismarck Nd 58501 in Bismarck, ND, our team is here to provide personalized service and support. For any questions or to learn more about how we can assist your business, call us at (701) 222-8736. Let's work together to build your success!

Comprehensive List Of Services

Accessibility Matters

We understand the importance of accessibility in banking. Our branch offers basic drive-thru banking for simple transactions and ATM access for quick balance checks and withdrawals. We're committed to ensuring that all members can easily access their accounts without hassle. Whether you're looking for personal banking solutions or support for your business endeavors, Railway is here for you every step of the way. We invite you to visit us at our Bismarck location or reach out via phone at 701-222-8736 during our lobby hours from 8:30 AM to 5:30 PM on weekdays. Take charge of your financial future today! Explore all that Railway has to offer by visiting us online at Railway Credit Union. Your journey toward better banking starts here!

Business Banking Support

If you're a business owner, you'll find that our Business Banking services are designed with your success in mind. From Merchant Services that simplify transactions to Business Loans that help you expand or manage cash flow, we provide the support you need to thrive.

Credit Cards with Rewards

For those who love to earn while they spend, our Credit Cards with Rewards allow you to accumulate points on everyday purchases. This means you can enjoy benefits like cashback or travel rewards simply by using your card for things you would buy anyway!

Digital Convenience

In today's fast-paced world, convenience matters. That's why we offer robust Online & Mobile Banking features. You can manage your accounts, pay bills, and even transfer funds right from your smartphone or computer anytime and anywhere! With our ATM & Cash Withdrawal Services, accessing cash is straightforward; whether it's through our ATM or at the drive-thru for quick deposits and withdrawals.

Personal Banking Made Easy

When it comes to personal banking, we offer various options to suit every lifestyle. Whether you're looking to open a checking or savings account, we've got you covered with accounts designed to help you save more and spend wisely. Need a little extra cash for that dream car? Our Auto Loans & Vehicle Financing make it simple to get behind the wheel without breaking the bank. Plus, if you're thinking about purchasing a home or refinancing your current mortgage, our Mortgage Loans & Refinancing options can help make your dream of homeownership a reality. Sometimes life throws unexpected expenses your way. That's where our Personal Loans & Debt Consolidation services come in handy. We provide flexible solutions that can ease your financial burden and help you regain control over your finances.

Digital & Online Banking

Accessible Online Banking

With our 24/7 online banking services available at https://www.railwaycu.com/, you can check your account balances, pay bills, and transfer funds anytime you need. Our platform is user-friendly and secure, ensuring that your information stays protected while you manage your finances with ease.

Mobile Application and Features

For those who prefer banking on their mobile devices, our mobile application brings all the essential features right to your fingertips. You can make mobile payments, send money to friends through person-to-person transfers, and even access e-statements all with just a few taps on your screen. The convenience of managing your account from anywhere is truly empowering!

Security You Can Trust

Security is our top priority. With electronic signature authorization available, signing documents online is not only easy but also safe. You can rest easy knowing that your financial information is secure as you take advantage of our digital offerings.

Stay Informed

We also provide e-statements to help you keep track of your transactions without the clutter of paper statements. This eco-friendly option allows you to easily access your account history whenever you need it. In a world where time is precious, Railway's digital and online banking services are here to simplify your banking experience. Join us today at https://www.railwaycu.com/ and discover how easy it is to take control of your finances!

Financial Strength

Commitment to Growth

With $21,673,720 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity supports members' financial goals across various sectors with $1,526 in used auto loans and $135,571,716 in total loans and leases. Our solid operational efficiency is reflected in our $433,018, which enables us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 26 full-time employees who are always ready to serve you with a knowledgeable, committed team.

Growing Member Base

Total Share and Deposit Accounts stand at 16,175, showing a strong and growing member base that trusts us with their finances. This trust is the backbone of our community-focused approach. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Railway is your trusted partner. Visit us at 112 S 24Th St Bismarck Nd 58501 or call (701) 222-8736 to learn more about how we can help you achieve your financial goals.

Secure Savings Opportunities

Members' savings are secured through $72,176,474 in share certificates, offering stable and rewarding financial growth opportunities. This ensures that your hard-earned money is not just safe but also working for you. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Strong Financial Health

With a net worth of $22,870,494, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 12.18% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Additional Services

In addition to these loan products, we offer various financial services designed for convenience. Our mobile banking features allow for easy account management right from your smartphone. Plus, if you're considering refinancing options or want to learn more about eligibility for any of our products, feel free to reach out! You can contact us at 701-222-8736 or visit us at 112 S 24Th St Bismarck ND 58501 during our operating hours from 8:30 AM - 5:30 PM Monday through Friday. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Your journey toward financial wellness starts here at Railway Credit Union!

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $24,960,150 in used vehicle loans and $2,596,009 in new vehicle loans already helping members get on the road. Whether you're interested in financing a new or used vehicle, our team is ready to assist you through the process and ensure you find a plan that works for you.

Business Financing

For business owners, our outstanding commercial loans totaling $48,817,635 provide the capital needed to grow and expand your business. We recognize the unique challenges faced by entrepreneurs and are committed to providing support through our tailored financing options.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $3,977,086, make buying or refinancing simple. We provide personalized support throughout the mortgage process to help you secure the best terms possible.

Unsecured Credit Cards

We also offer flexible terms on unsecured credit card loans, with a total of $616,139 in loans helping members manage their finances effectively. These cards come with competitive interest rates and rewards programs designed to benefit our members.

Loan Aggregator

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RAILWAY CREDIT UNION - Bismarck, ND

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