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VISA® Credit Cards
Today it just makes sense to carry a Visa® credit card. With Railroad & Industrial's great rates and Visa®, you can't go wrong. We offer two platinum card programs to qualifying members. Whether it's our CURewards card, or regular credit card, we have programs that are sure to fit your needs and your wallet.
Payment Protection
We offer plans to protect your monthly payment. Ask us about our plans when you apply.
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CURewards
Our Platinum Rewards - CURewards offers cash, merchandise, travel and more. In most cases, you'll earn 1-point for every $1 spent, there are bonus point accumulations too! You will earn 2,500 points when you spend $500 within the first 90 days on your new Platinum Rewards card! Another way to earn more points is when you redeem points for travel! If you use the programs recommended travel partner, Montrose Travel, they will double your points used once the travel is completed.
CURewards FAQs
For program rules and reward offers click, CURewards.
Upgrade to CURewards
Our cards offer competitive variable interest rates, 25-day grace period on purchases, no annual fee, 24-hour toll free service and more!
Security and your card go hand in hand. With Visa Checkout and Verified by Visa, your online purchases will have an additional layer of security. Find participating Verified by Visa merchants.
Our credit card programs are EMV enabled. Here are EMV Chip Card FAQs.
We offer competitive rates and terms on RVs, motorcycles, and boats. Contact a branch or call today for more information or apply. When you apply for any of these loans, be sure to ask about our Protection Plans.
Protection Plans
We offer ways for you to protect your payment and your investment. Ask us for more information.
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RV Loan
Finance up to 80% of the list price on new, and up to NADA wholesale value on used, recreational vehicles.
Mobile Home Loans
We will finance up to 100% of a New Mobile home and 80% of a Used Mobile Home.
Motorcycle Loan
Finance up to 100% of the purchase price or NADA value plus tax, tag and title on new and used motorcycles. Special low rates are offered on Harley Davidson bikes.
Boat and Watercraft Loans
If you need a loan for your sailboat, fishing boat, motorboat or jet skis, come see us. Our Boat/Personal Watercraft loan is for you! We'll finance up to 90% of the purchase price of new watercraft, and up to 80% of the used boat guide value for used watercraft.
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Personal Loans/Revolving Lines of Credit
We offer Personal Loans, for a fixed amount of money and at a fixed term. Our Revolving-Line-of-Credit loans can be set up with a limit, so you can get cash when you need it. We will even finance short term, small amount loans for first time and troubled borrowers.
Hurricane Seasonal Loans
We know firsthand the devastation a hurricane can cause. During the Hurricane Season, we offer members affected by a named Hurricane unsecured loans that will help them recover and rebuild their lives as soon as possible. These loans are available to all members that qualify. The loan can be up to $2,500 for 48 months at a fixed rate of 5%.
Payment Protection
We offer plans to protect your payment, be sure to ask us about the program when you apply.
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Get the money you need to help make higher education happen. Student loans from Railroad & Industrial Federal Credit Union in partnership with Sallie Mae® could help!
For those attending or borrowing for a student attending a degree-granting institution
Whether you’re an undergraduate student, graduate student, or parent helping a student pay for school, these flexible loans are designed to meet your needs:
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Competitive variable and fixed interest rates
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No origination fee or prepayment penalty1
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Multiple repayment options
Learn which loan is right for you
Undergraduate
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Smart Option Student Loan® for Undergraduate Students
Pay for your bachelor’s, associate’s, or certificate expenses at a degree-granting school
Graduate
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Graduate School Loan
Pay for expenses as you pursue your master’s and doctoral degrees
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MBA Loan
Pay for your business school expenses as you pursue your Masters of Business Administration degree
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Medical School Loan
Pay for your medical degree expenses in allopathic, general, osteopathic, podiatric, radiology, sports, and veterinary medicine
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Dental School Loan
Pay for your dental degree expenses in general dentistry, endodontics, oral and maxillofacial surgery, orthodontics, pediatric dentistry, periodontics, and prosthodontics
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Graduate School Loan for Health Professions
Pay for your health professions degree expenses in allied health, nursing, pharmacy, and other graduate-level health programs
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Law School Loan
Pay for your school and associated expenses as you study for your law degree
Parents
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Parent Loan
Help your student by taking responsibility with a loan in your name
Learn which loan is right for you
Borrow responsibly
We encourage students and families to start with savings, grants, scholarships, and federal student loans to pay for college. Students and families should evaluate all anticipated monthly loan payments, and how much the student expects to earn in the future, before considering a private student loan.
These loans are made by Sallie Mae Bank or a lender partner. Railroad & Industrial Federal Credit Union is not the creditor for these loans and is compensated by Sallie Mae for the referral of loan customers.
Smart Option Student Loan and graduate loan products: This information is for students attending participating degree-granting schools. Smart Option Student Loan information is for undergraduates only. Graduate Certificate/Continuing Education coursework is not eligible for MBA, Medical, Dental, and Law School Loans. Borrowers must be U.S. citizens or U.S. permanent residents if the school is located outside of the United States. Non-U.S. citizen borrowers who reside in the U.S. are eligible with a creditworthy cosigner (who must be a U.S. citizen or U.S. permanent resident) and are required to provide an unexpired government-issued photo ID to verify identity. Applications are subject to a requested minimum loan amount of $1,000. Current credit and other eligibility criteria apply.
Parent Loan: This loan must be used to pay for eligible student expenses at participating degree-granting schools. The student cannot be a borrower or cosigner and is not responsible for repaying the loan. The borrower, cosigner, and student must be U.S. citizens or U.S. permanent residents. If the school issues a refund directly to the student, the borrower and cosigner (if applicable) are still responsible for repaying that amount. Applications are subject to a requested minimum loan amount of $1,000. Current credit and other eligibility criteria apply.
Green Auto Loan
When you decide to go green - you could save some green too! If your vehicle meets the Environmental Protection Agency's qualifications of being more efficient and less polluting, you may qualify for 0.25% off of your quoted loan rate. “Green Cars” are vehicles with a combined EPA rating of 28 MPG or greater. Visit http://epa.gov/greenvehicles to see if your vehicle qualifies as "environmentally friendly."
Payment Protection
Protect your investment with a payment protection plan, ask us for more information when you apply.
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Hurricane Seasonal Loans
We know firsthand the devastation a hurricane can cause. During the Hurricane Season, we offer members affected by a named Hurricane unsecured loans that will help them recover and rebuild their lives as soon as possible. These loans are available to all members that qualify. The loan can be up to $2,500 for 48 months at a fixed rate of 5%.
Payment Protection
Rest easy when you protect your loan from unforeseen problems with a payment protection plan. Ask us for more information when you apply.
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Apply Online Loan Rates Loan Calculator