Credit union · NCUA insured
Railway Credit Union Auto Loan Rates
Railway Credit Union auto loans start at 5.17% APR for a new vehicle and 5.17% for a used one. Rates checked October 22, 2026.
How Railway Credit Union’s auto loan rates compare
Compared with banks and credit unions near Bismarck, ND, where Railway Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Railway Credit Union
5.17%APR
- Terms
- —
Auto Loan
Lowest rate
First Community Credit Union
4.74%APR
- Terms
- —
2nd-lowest rate
Western Cooperative Credit Union
4.75%APR
- Terms
- up to 60 months
Railway Credit Union auto loan score
81
Auto loan score
Higher than 54% of U.S. banks and credit unions
- New vehicleNew5.17%
- Used vehicleUsed5.17%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Railway Credit Union ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
Auto Loan
Membership with Railway Credit Union (RCU) is required. Actual rates and terms may vary based on credit, loan amount, loan term, vehicle value, and model year. A checking account with automatic payments may be required.
| Terms | APR | Conditions |
|---|---|---|
| — | 5.17% | Calculated on a $20,000 auto loan with a 48-month term for 2022 or newer vehicles with fewer than 100,000 miles. Actual rates and terms may vary based on credit, loan amount, loan term, vehicle value, and model year. A Railway Credit Union (RCU) checking account with automatic payments may be required. Not all applicants will qualify for the lowest rate. Rate subject to change. Additional terms and conditions may apply. Membership with RCU is required. Please contact us for full details and eligibility requirements. |
Sources (4)
- railwaycu.com/Information/Disclosures
- railwaycu.com/Loans
- railwaycu.com/Rates
- railwaycu.com/Apply/Apply-for-a-Loan
All captured Oct 15, 2026
New & Used Auto/Motorcycle
Membership with Railway Credit Union (RCU) is required. Actual rates and terms may vary based on credit, loan amount, loan term, vehicle value, and model year. A checking account with automatic payments may be required.
| Terms | APR | Conditions |
|---|---|---|
| — | 5.17%–17.15% | Example: based on a $35,000 loan for 36 months. Actual rate may vary by credit history and underwriting. All loans are subject to approval. Terms and conditions may change without notice. Restrictions may apply. |
| — | 5.17% | Calculated on a $20,000 auto loan with a 48-month term for 2022 or newer vehicles with fewer than 100,000 miles. Actual rates and terms may vary based on credit, loan amount, loan term, vehicle value, and model year. A Railway Credit Union (RCU) checking account with automatic payments may be required. Not all applicants will qualify for the lowest rate. Rate subject to change. Additional terms and conditions may apply. Membership with RCU is required. Please contact us for full details and eligibility requirements. |
Sources (4)
- railwaycu.com/Information/Disclosures
- railwaycu.com/Rates
- railwaycu.com/Loans
- railwaycu.com/Apply/Apply-for-a-Loan
All captured Oct 4, 2026
Who can join Railway Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.