Other Loans

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.


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. For participating Verified by Visa, click here. Coming soon, Visa Checkout!

You may have seen and heard about the more secure EMV Visa. Our credit card program is ready. If you carry our Visa credit card, you will be receiving your new EMV chip enabled card soon. View the 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 now.

RV Loan

Finance up to 80% of the list price on new, and up to NADA wholesale value on used, recreational vehicles. We do not finance mobile homes.

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.

Farm Equipment

We will finance new farm equipment at up to 80% of the list price. Come see us first or apply online.

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.

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!

This loan is an ideal solution to help you pay for college expenses not covered by scholarships and federal loans. To learn more or to apply, please get started here.

The Smart Option Student Loan features and benefits:

  • Multiple in-school repayment options plus a choice of competitive fixed and variable interest rates provided even more flexibility
  • No origination fees and no prepayment penalty
  • Benefits and an interest rate reduction available
  • Rates that reward creditworthy borrowers
  • Applying with a creditworthy cosigner may help you qualify
  • 100% US-based Student Loan Specialists

To learn more, please get started here.

Get Started Here

Green Loans

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. Click here to see if your vehicle qualifies as "environmentally friendly."

Apply Online  Loan Rates  Loan Calculator