Credit union · NCUA insured
Railway Employees Auto Loan Rates
Railway Employees auto loans start at 5.00% APR for a new vehicle and 7.00% for a used one. Rates checked October 22, 2026.
How Railway Employees’s auto loan rates compare
Compared with banks and credit unions near Florence, AL, where Railway Employees has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Railway Employees
5.00%APR
- Terms
- —
Auto Loans
Lowest rate
Florence Federal Credit Union
5.00%APR
- Terms
- up to 60 months
3rd-lowest rate
Alabama Central CU
5.25%APR
- Terms
- up to 60 months
Railway Employees auto loan score
74
Auto loan score
Higher than 37% of U.S. banks and credit unions
- New vehicleNew5.00%
- Used vehicleUsed7.00%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Railway Employees 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 Loans
Conditions apply, and terms may be limited by loan amount, credit history and other factors. Not all collateral items qualify for terms shown.
| Terms | APR | Conditions |
|---|---|---|
| — | 5.00% | New (Current year) |
| — | 7.00% | Used (2023 - 2026) |
| — | 8.00% | Used (2021 - 2022) |
| — | 8.50% | Used (2019 - 2020) |
Sources (1)
- railwaycreditunion.com/ps/loans.php · captured Oct 7, 2026
Motorcycles
Conditions apply, and terms may be limited by loan amount, credit history and other factors. Not all collateral items qualify for terms shown.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 4.99% | New: Up to 60 Months |
| up to 36 months | 13.40% | Used: Up to 36 Months |
Sources (1)
- railwaycreditunion.com/ps/loans.php · captured Oct 7, 2026
Who can join Railway Employees
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Current and former employees of Norfolk Southern Railway are eligible to join.
Family and household
- Families and immediate relatives of eligible employees or members are eligible to join.
Membership information collected October 4, 2026.