Credit union · NCUA insured
Railway Credit Union CD Rates
Railway Credit Union’s best CD rate is 4.25% APY on a 5-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How Railway Credit Union’s CD rates compare
Compared with banks and credit unions near Bismarck, ND, where Railway Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Railway Credit Union
4.25%APY
- Term
- 60 months
- Minimum
- $2,000
- Earns on $10,000
- $2,313
CD Investments
Top rate
Dakota Community Bank & Trust
5.10%APY
- Term
- 89 months
- Minimum
- $2,500
- Earns on $10,000
- $4,462
2nd-highest rate
Hometown Credit Union
4.58%APY
- Term
- 72 months
- Minimum
- $1,000
- Earns on $10,000
- $3,083
Railway Credit Union CD score
90
CD score
Higher than 90% of U.S. banks and credit unions
- 3–8 months3–8 mo4.00%
- 9–15 months9–15 mo4.15%
- 16–30 months16–30 mo3.75%
- 31–60 months31–60 mo4.25%
- QualifiedQualified4.25%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Railway Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
CD Investments
Up to 4.25%APY · 10 terms
$2,000 minimum. Rates advertised as high as. Effective October 7, 2026.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsCD Specials. $2,000 minimum. Effective October 7, 2026 | 4.00% | $198 |
| 9 months$2,000 minimum. Effective October 7, 2026 | 2.50% | $187 |
| 12 monthsCD Specials. $2,000 minimum. Effective October 7, 2026 | 4.15% | $415 |
| 13 monthsCD Specials. $2,000 minimum. Effective October 7, 2026 | 4.15% | $450 |
| 18 months$2,000 minimum. Effective October 7, 2026 | 3.00% | $453 |
| 24 months$2,000 minimum. Effective October 7, 2026 | 3.75% | $764 |
| 30 months$2,000 minimum. Effective October 7, 2026 | 3.00% | $767 |
| 36 months$2,000 minimum. Effective October 7, 2026 | 4.00% | $1,249 |
| 48 months$2,000 minimum. Effective October 7, 2026 | 4.00% | $1,699 |
| 60 months$2,000 minimum. Effective October 7, 2026 | 4.25% | $2,313 |
| 60 months60 month Bump Rate. $2,000 minimum. Effective October 7, 2026 | 4.00% | $2,167 |
Sources (1)
- railwaycu.com/Rates · captured Oct 22, 2026
Share Certificates
4.15%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceRates as high as.Any balance | 4.15% | $415 | Rates as high as. |
Sources (1)
- railwaycu.com/Rates · captured Oct 22, 2026
Special-purpose accounts
IRA Certificate
Up to 4.15%APY · 3 terms
Rates advertised as high as. Effective October 7, 2026.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsRates advertised as high as. Effective October 7, 2026 | 4.00% | $198 |
| 12 monthsRates advertised as high as. Effective October 7, 2026 | 4.15% | $415 |
| 13 monthsRates advertised as high as. Effective October 7, 2026 | 4.15% | $450 |
Sources (1)
- railwaycu.com/Rates · captured Oct 22, 2026
Who can join Railway Credit Union
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