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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:

  • Competitive variable and fixed interest rates
  • No origination fee or prepayment penalty1
  • Multiple repayment options

Learn which loan is right for you

Undergraduate

  • Smart Option Student Loan® for Undergraduate Students
    Pay for your bachelor’s, associate’s, or certificate expenses at a degree-granting school

Graduate

  • Graduate School Loan
    Pay for expenses as you pursue your master’s and doctoral degrees
  • MBA Loan
    Pay for your business school expenses as you pursue your Masters of Business Administration degree
  • Medical School Loan
    Pay for your medical degree expenses in allopathic, general, osteopathic, podiatric, radiology, sports, and veterinary medicine
  • Dental School Loan
    Pay for your dental degree expenses in general dentistry, endodontics, oral and maxillofacial surgery, orthodontics, pediatric dentistry, periodontics, and prosthodontics
  • Graduate School Loan for Health Professions
    Pay for your health professions degree expenses in allied health, nursing, pharmacy, and other graduate-level health programs
  • Law School Loan
    Pay for your school and associated expenses as you study for your law degree

Parents

  • 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.

1 Although we do not charge a penalty or fee if you prepay your loan, any prepayment will be applied as outlined in your promissory note—first to Unpaid Fees and costs, then to Unpaid Interest, and then to Current Principal.

SALLIE MAE RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS, SERVICES, AND BENEFITS AT ANY TIME WITHOUT NOTICE.

© 2020 Sallie Mae Bank. All rights reserved. Sallie Mae, the Sallie Mae logo, and other Sallie Mae names and logos are service marks or registered service marks of Sallie Mae Bank. All other names and logos used are the trademarks or service marks of their respective owners. SLM Corporation and its subsidiaries, including Sallie Mae Bank, are not sponsored by or agencies of the United States of America.

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. 

View Video

Apply Online  Loan Rates  Loan Calculator