Credit union · NCUA insured
Railway Credit Union Credit Card Rates
Railway Credit Union credit cards start at 9.95% APR on purchases, after any introductory rate. Rates checked October 22, 2026.
How Railway Credit Union’s credit card rates compare
Compared with banks and credit unions near Bismarck, ND, where Railway Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Railway Credit Union
9.95%APR
- Up to
- —
Visa Credit Card
2nd-lowest rate
Vue CCU
10.90%APR
- Up to
- —
3rd-lowest rate
First International Bank & Trust
14.99%APR
- Up to
- 26.99% APR
Railway Credit Union credit card score
83
Credit card score
Higher than 64% of U.S. banks and credit unions
- Purchase APRPurchase APR9.95%
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 credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Visa Credit Card
Membership with RCU required. No annual fees.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 9.95% | None | No annual fees. Earn points with every purchase. |
Sources (4)
- railwaycu.com/Information/Disclosures
- railwaycu.com
- railwaycu.com/Rates
- railwaycu.com/Services/Card-Services
All captured Oct 7, 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.