Credit union · NCUA insured
Railway Credit Union Savings Rates
Railway Credit Union’s best savings rate is 0.45% APY on $10,000, with its Regular Savings. Rates checked October 22, 2026.
How Railway Credit Union’s savings 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
0.45%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $45
Regular Savings
Top rate
U.S. Bank
2.00%APY
- Requires
- Another account
- Minimum
- $25
- Earns on $10,000 a year
- $200
2nd-highest rate
Dacotah Bank
1.50%APY
- Requires
- None
- Minimum
- $100
- Earns on $10,000 a year
- $150
Railway Credit Union savings score
77
Savings score
Higher than 45% of U.S. banks and credit unions
- $1,000 balance$1,0000.25%
- $10,000 balance$10,0000.45%
- $100,000 balance$100,0001.21%
- QualifiedQualified0.45%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Regular Savings
0.45%APY
Interest earned on daily balances over $100.00. No monthly service fees. Free E-services (CU Online, E-Statements, Mobile App), direct deposit, and debit card (certain restrictions apply).
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $100 – $5,000 | 0.25% | — |
| $5,000 – $25,000 | 0.45% | $45 |
| $25,000 – $100,000 | 0.70% | — |
| $100,000 – $250,000 | 1.21% | — |
| $250,000 and up | 1.76% | — |
Sources (3)
All captured Sep 19, 2026
Special-purpose accounts
IRA Savings
0.85%APY
Interest earned on balances over $100. Available as Traditional IRA and Roth IRA. Traditional IRA allows accumulation of dividends with no taxes to pay until funds are withdrawn, and contributions may be tax deductible in the year made. Roth IRA contributions are not tax-deductible, but withdrawals could be penalty and tax free. Subject to conditions.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $100 – $10,000 | 0.60% | — |
| $10,000 – $25,000 | 0.85% | $85 |
| $25,000 – $100,000 | 1.11% | — |
| $100,000 and up | 1.76% | — |
Sources (2)
All captured Oct 15, 2026
Pee Wee Club
0.45%APY
For members ages 0-12. Interest earned on daily balances over $100.00. Includes birthday card mailing, free gift at account opening, and Pee Wee Club exclusive events. Shares savings rates.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 – $5,000Shares regular savings rate schedule. For members ages 0-12. | 0.25% | — | Shares regular savings rate schedule. For members ages 0-12. |
| $5,000 – $25,000Shares regular savings rate schedule. For members ages 0-12. | 0.45% | $45 | Shares regular savings rate schedule. For members ages 0-12. |
| $25,000 – $100,000Shares regular savings rate schedule. For members ages 0-12. | 0.70% | — | Shares regular savings rate schedule. For members ages 0-12. |
| $100,000 – $250,000Shares regular savings rate schedule. For members ages 0-12. | 1.21% | — | Shares regular savings rate schedule. For members ages 0-12. |
| $250,000 and upShares regular savings rate schedule. For members ages 0-12. | 1.76% | — | Shares regular savings rate schedule. For members ages 0-12. |
Sources (3)
All captured Sep 19, 2026
Teen Central
0.45%APY
For members ages 13-17. Interest earned on daily balances over $100.00. Includes free gift at account opening, Special Teen Central CD, Grades for Green, debit card (certain restrictions apply), and free E-services (CU Online, Bill Pay, Mobile App, E-Statements, Mobile Deposit). Shares savings rates.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 – $5,000Shares regular savings rate schedule. For members ages 13-17. | 0.25% | — | Shares regular savings rate schedule. For members ages 13-17. |
| $5,000 – $25,000Shares regular savings rate schedule. For members ages 13-17. | 0.45% | $45 | Shares regular savings rate schedule. For members ages 13-17. |
| $25,000 – $100,000Shares regular savings rate schedule. For members ages 13-17. | 0.70% | — | Shares regular savings rate schedule. For members ages 13-17. |
| $100,000 – $250,000Shares regular savings rate schedule. For members ages 13-17. | 1.21% | — | Shares regular savings rate schedule. For members ages 13-17. |
| $250,000 and upShares regular savings rate schedule. For members ages 13-17. | 1.76% | — | Shares regular savings rate schedule. For members ages 13-17. |
Sources (3)
All captured Sep 19, 2026
Senior Express Club Savings
0.75%APY
Must be 55 years or older. Maintain a $500 daily balance. Interest earned on daily balances over $500.00. No monthly service fees. Includes senior club exclusive events, quarterly newsletters, and debit card (certain restrictions apply).
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $500 – $25,000Maintain a $500 daily balance. Have to be 55 years or older. | 0.75% | $75 | Maintain a $500 daily balance. Have to be 55 years or older. |
| $25,000 and upMaintain a $500 daily balance. Have to be 55 years or older. | 1.21% | — | Maintain a $500 daily balance. Have to be 55 years or older. |
Sources (3)
All captured Sep 19, 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.