Railway Credit Union Mandan ND | Best Auto Loans & Business Banking

Introduction

At Railway Credit Union, we pride ourselves on being more than just a financial institution; we're a trusted partner in our members' financial journeys. Established in 1954, our mission has always been to provide the Mandan community with reliable, member-focused banking services. Located conveniently at 300 1st St SW, Mandan, ND 58554, we welcome you to visit us and discover how we can support your financial goals. With a strong foundation built on trust, we currently serve 8,343 members, helping them manage over $18,754,109 in assets. Our commitment to excellence is reflected in our robust offerings, including personal banking solutions like checking and savings accounts, auto loans, mortgage refinancing, and credit cards that reward your loyalty. Our dedicated team of 26 employees is here to ensure your experience is smooth and satisfying. Under the leadership of CEO Paul Brucker and Board President Douglas Erhart, we strive to foster an environment where every member feels valued and understood. We understand that life can be unpredictable; that's why our financial products are designed to meet your needs whether you're looking for a new vehicle or planning for your future. While members can visit us at our branch location, official correspondence should be sent to 300 1st St SW, Mandan, ND 58554-4157. Feel free to reach out to us at 701-667-2230 or check out our website at railwaycu.com for more information about our services. Join us today and experience the personalized service that sets Railway Credit Union apart. Whether you're opening an account or exploring loan options, we're here for you every step of the way!

Branch History & Mission

Community Engagement and Services

While you can visit us at 300 1st St SW, official correspondence should be sent to 300 1st St SW, Mandan, ND 58554-4157 if different from our branch address. We are here for you during lobby hours from 7:00 AM to 11:00 AM Monday through Friday. Our branch features an ATM for your convenience, ensuring easy access to your funds at any time. In addition to our core services like checking and savings accounts, auto financing, and credit cards with rewards, we prioritize digital accessibility with online banking options available for all members. We understand the importance of flexibility in today's world; thus, we provide mobile payment solutions and e-statements to streamline your banking experience.

Join Us

As we look ahead to the future of Railway Credit Union, we invite you to join us on this journey. Become part of a community-driven organization dedicated not only to your financial well-being but also to uplifting those around us. Experience firsthand the benefits that come with membership where your dreams become our mission! For more information about how you can join or explore membership options, please visit Railway Credit Union or call us at 701-667-2230 today!

Our Journey

Our history is rich with milestones that reflect our commitment to the community. From humble beginnings as a small credit union, we've steadily expanded our services over the decades. In the early years, we focused on providing basic banking services. As time passed, we recognized the evolving needs of our members and adapted accordingly. Today, we offer a wide range of products including auto loans, mortgage options, personal loans, and business banking solutions. We are proud of our member-focused approach which has allowed us to grow significantly since those early days. Each year, we strive to enhance our offerings and ensure that all members receive personalized service tailored to their unique financial goals.

Our Mission

At Railway Credit Union, our mission is straightforward: to empower our members by providing them with the tools and resources they need for financial success. We believe in offering more than just traditional banking; we aim to be an integral part of our members' lives by supporting their dreams and aspirations. Our commitment extends beyond banking; we actively engage in community outreach initiatives that make a real difference in people's lives. We work hard to build partnerships with local organizations and support efforts that improve the quality of life in Mandan and surrounding areas.

Branch Location & Accessibility

Convenient Access and Amenities

At Railway Credit Union, we prioritize accessibility for all our members. Our branch is fully compliant with ADA standards, ensuring that everyone can easily navigate our facilities. We offer convenient parking right outside the entrance, allowing for a hassle-free experience when you visit us. If you're looking to withdraw cash or check your balance quickly, we have an ATM available for your convenience. Unfortunately, we do not currently offer drive-thru banking; however, our lobby is open from 7:00 AM to 11:00 AM Monday through Friday to accommodate your schedule.

Services Tailored to You

We pride ourselves on providing a wide range of services tailored to meet your financial needs. From personal banking services like checking and savings accounts to auto loans and credit cards with rewards, we've got you covered. Business owners will also find valuable solutions such as merchant services and business loans at our branch. Our friendly team is always ready to assist you with any questions you may have about our services or how we can help you achieve your financial goals. Feel free to reach out by calling us at 701-667-2230 if you have any inquiries before visiting. We can't wait to welcome you to Railway Credit Union!

Member Eligibility

At Railway, we believe that everyone deserves to be part of a welcoming community where they can thrive financially. Joining us is simple and open to many! If you live, work, or worship in the Mandan area, you're likely eligible for membership. We also extend our invitation to immediate family members of current members, ensuring that your loved ones can benefit from our services too. The perks of being a member here are plentiful from personalized banking solutions to competitive loan rates and exceptional customer service. To learn more about the specific eligibility requirements, feel free to visit our website at http://www.railwaycu.com/apply/become-a-member. If you're ready to take the next step, opening an account is a breeze! Just check out this link: https://mobicint.net/rwy/autoenrollment/start or give us a call at (701) 667-2230 we're here to help you every step of the way. Welcome aboard!

Business Banking & Commercial Services

Loan Options for Every Need

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 That Make Sense

Imagine having the tools you need to accept payments seamlessly from customers. Our merchant services provide businesses with point-of-sale solutions tailored for every type of transaction. Whether it's a quick sale at a local market or managing subscriptions for a thriving online shop, we offer services that ensure you get paid promptly and securely. Located conveniently at 300 1St St Sw Mandan Nd 58554 in Mandan, ND, we're dedicated to helping you navigate the financial landscape of your business. Reach out today at (701) 667-2230 to learn more about how we can assist you in achieving your business goals!

Comprehensive List Of Services

Accessing Your Accounts Made Easy

Whether you're withdrawing cash or checking your balance, our basic ATM access ensures that you have what you need at your fingertips. If you have any questions or require assistance, feel free to reach out to us at 701-667-2230. At Railway Credit Union, we strive to create a welcoming environment where every member feels valued and understood. Ready to take the next step? Visit us today at 300 1st St SW in Mandan or explore more about our services on our website at www.railwaycu.com. We look forward to serving you!

Business Banking Services

For business owners, Railway offers tailored solutions including merchant services and business loans to help your enterprise thrive. We understand that running a business comes with unique challenges, and our team is ready to assist you every step of the way.

Convenient Digital Banking

In today's fast-paced world, convenience is key. Our online and mobile banking features allow you to manage your accounts anytime, anywhere. You can easily check balances, transfer funds, and pay bills right from your smartphone or computer. Plus, with our ATM and cash withdrawal services, getting cash when you need it is simple and hassle-free.

Personal Banking Solutions

Our personal banking services make managing your money easier than ever. With options like checking and savings accounts, you can choose the best fit for your lifestyle. If you're planning to purchase a new vehicle, explore our auto loans and vehicle financing that offer competitive rates and flexible terms. For those considering homeownership or refinancing, our mortgage loans can help guide you through the process smoothly. If you're facing unexpected expenses, our personal loans and debt consolidation options provide the support you need without the stress. And don't forget about our credit cards with rewards! Enjoy benefits while making everyday purchases.

Digital & Online Banking

Convenient Online Banking

With our 24/7 online banking services, you have the power to access your accounts whenever you need to. Whether you're checking your balance or making a transfer, our user-friendly platform is just a click away at https://www.railwaycu.com/. You can also enjoy the flexibility of electronic signature authorization, making it easier than ever to complete transactions without the hassle of paper forms.

Go Mobile with Confidence

We also support mobile payments, so you can pay for purchases directly from your phone just another way we're making banking more convenient for you. All these features are backed by strong security measures to keep your information safe while you bank online. At Railway, we strive to make banking not only accessible but also enjoyable. Join us today and experience how our digital banking services can make managing your finances easier than ever!

Manage Your Finances with Ease

Our e-statements provide you with a quick and eco-friendly way to keep track of your account activity. Instead of waiting for paper statements in the mail, you can access them instantly online. Plus, if you're on the go, our mobile application lets you manage your accounts right from your smartphone. Whether it's checking balances, depositing checks, or making payments, everything is at your fingertips.

Sending Money Made Simple

Need to send money to a friend or family member? With our person-to-person transfers feature, sending cash has never been simpler. Just a few taps on your phone and the money is on its way no need for complicated setups or extra fees.

Financial Strength

At Railway, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We understand that you want a financial partner you can trust, and we're proud to share the robust financial health that enables us to support your needs. 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 $1,218 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. Members' savings are secured through $72,176,474 in share certificates, offering stable and rewarding financial growth opportunities. 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. 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 is reflected in the $1,526 in used auto loans and $135,571,716 in total loans and leases, supporting your financial goals across various sectors. Our operational efficiency shines through with a net income of $995,774, enabling 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 dedicated to serving you with expertise and commitment. The total number of share accounts stands at 16,175, reflecting a strong and growing member base that trusts us with their finances. This strength means we can continue serving you with confidence. Our financial strength means we can keep supporting your dreams whether you're saving for the future or looking to secure a loan today. Visit us at 300 1St St Sw Mandan Nd 58554 or call (701) 667-2230 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Loan Offering

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 are looking for financing on a brand-new vehicle or a reliable used car, we have options that fit your budget and lifestyle.

Business Financing

For business owners, our outstanding commercial loans totaling $48,817,635 provide the capital needed to grow and expand. Whether you need funding for equipment, inventory, or operational costs, we're here to support your business journey.

Conclusion

At Railway, we're committed to serving our community and ensuring that every member has access to the financial tools they need. To learn more about our loan offerings or how you can become eligible for membership, feel free to contact us at (701) 667-2230 or visit us at our branch located at 300 1St St Sw Mandan Nd 58554 in Mandan, ND. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

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 strive to provide competitive rates and flexible terms to help you secure your dream home. If you're considering refinancing, our team is here to discuss your eligibility and options.

Unsecured Credit Card Loans

Managing expenses can sometimes be tricky. 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 benefits that make day-to-day purchases easier while providing you with the financial flexibility you need.

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