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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! If you spend $500 on an item, rather than just earning 500 points, we'll throw in an additional 2,000 points making the total points earned per item $500 or more 2500 points! 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.
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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Smart Option Student Loans by Sallie Mae
The Smart Option Student Loan® for Railroad & Industrial Federal Credit Union by Sallie Mae® for borrowers attending degree-granting institutions.
Now you can pay for college the smart way with three great repayment options and competitive interest rates!
The Smart Option Student Loan features and benefits:
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Multiple in-school repayment options plus a choice of competitive fixed and variable interest rates provided even more flexibility
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No origination fees and no prepayment penalty
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Benefits and an interest rate reduction available
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Rates that reward creditworthy borrowers
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Applying with a creditworthy cosigner may help you qualify
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100% US-based Student Loan Specialists
This loan is an ideal solution to help you pay for college expenses not covered by scholarships and federal loans.
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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.
View Video
Apply Online Loan Rates Loan Calculator
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