Accounts
We offer multiple accounts to suit your needs.
Savings Account
Open a savings account and watch your money grow! $25 to open, $5 for minors.
Term Shares
Open with $1,000 or more, fixed rate dividends, 6 to 60 month terms.
Savings Rates
| SAVINGS RATES* | APR/APY |
|---|---|
| Up to $9,999.99 | 0.35% |
| $10,000.00 to $74,999.99 | 0.45% |
| $75,000.00 + | 0.55% |
| IRA Savings* | 1.15% |
| Checking Dividends | 0.15% |
Term Share Accounts
| 6 MONTH | 12 MONTH | 24 MONTH | 36 MONTH | |
|---|---|---|---|---|
| RATE | 4.43% | 4.15% | 3.46% | 3.22% |
| APY | 4.50% | 4.21% | 3.50% | 3.25% |
| TERMS | MINIMUM | EARLY WITHDRAWAL PENALTY |
|---|---|---|
| 6 mo. | $500 | 90 Days interest on amount withdrawn |
| 12 mo. | $500 | 90 Days interest on amount withdrawn |
| 24 mo. | $1,000 | 180 Days interest on amount withdrawn |
| 36 mo. | $1,000 | 180 Days interest on amount withdrawn |
| 48 mo. | $1,000 | 180 Days interest on amount withdrawn |
| 60 mo. | $1,000 | 180 Days interest on amount withdrawn |
Money Market
| Money Market | Dividend/APY | Dividend Compound | Dividends Credited |
| $5.00 – $999 | 0 | 0 | 0 |
| $1000 – $9999 | 0.55%/0.55% | Monthly | Monthly |
| $10,000 – $24,999 | 1.00%/1.00% | Monthly | Monthly |
| $25,000 – $49,999 | 1.75%/1.76% | Monthly | Monthly |
| $50,000+ | 2.00%/2.01% | Monthly | Monthly |
All The Services You Need!
Online Banking
Our Online Banking is easy to use and includes Bill Payer. Sign up by clicking “Enroll” in navigation or click here.
Mobile App
Digital Wallet
We offer digital wallet for your convience! Click here for help setting it up!
E-Statements & E-Notices
Save a tree by signing up for E-statements and E-notices.
CardNAV
Remote Deposit Capture (RDC)
Deposit checks from a mobile app on your phone. Safe and secure. Gives you access to your funds sooner than traditional deposits. This feature is found in our Mobile App.
Bill Pay
Organize and pay your bills all in one location. Free for members, easy to use, and secure. Access once signed into Online Banking.
Direct Deposit & Payroll Deduct
Have your paychecks automatically deposited into your account. BNSF Employees who have Payroll Deduct can have their funds deposited to pay their loans automatically.
Debit & ATM Cards
Easy access to your accounts with free transactions at any CU Anytime ATM’s.
Cashiers & Bank Checks
Wires (Incoming & Outgoing)
Medicare Review Assistant
Our Medicare Review Assistant is Sheri Ulibarri.
She can assist with:
- Review Medicare Advantage, Supplements and RX Plans
- Help with signing up for Medicare
- Answer Medicare questions
- Lower Drug Costs
- Increase Dental, Vision and Hearing Aid benefits
- Maximize Medicare benefits and more!
Schedule a Meeting HERE or call (505) 263-4633
Vehicle Service Protection
A more affordable warranty for your vehicle.
GAP Insurance
GAP is designed to reduce or eliminate the difference between the insurance settlement and the loan balance.
UnEmployment Protection
Life can be wonderful. But it can also get complicated when unexpected things happen. Protecting your loan payments against death, disability, or involuntary unemployment could help protect your finances.
Notary Service
Fax & Copy Service
Free Fax & Copy Services for members in lobby.
DocuSign
Fee Schedule | Effective February 15, 2020
| Card Replacement (Debit or ATM) | $10.00 |
|---|---|
| Charge Card Convenience Fee (by phone) | $4.95 |
| Check (Cashiers) | $3.00 |
| Check (Counter) | $.50 each |
| Check (Official) | $1.00 |
| Doc Prep Fee (Consumer Loans) | $30.00 |
| Early Closure Fee (1st 90 days) | $10.00 |
| Excessive Savings Withdrawals (after 10 withdrawals per month) | $0.50 |
| Inactive Account (12 months with no activity and balance under $500.00 fee waived for minor accounts) | $5.00/Month |
| Late Fee (Mortgage Loans) | $35.00 |
| Late Fee (Consumer Loans) | $18.00 |
| Loan Payment Skip-Pay Fee (Summer or Winter) | $20.00 |
| Notary (Non-member) | $5.00 |
| NSF Fee (Paid or Returned) | $30.00 |
| Phone Transfer | $5.00 |
| Reconciliation/Research | $20.00/Hour |
| Redeposited Item | $5.00 |
| Statement Copy | $2.50 |
| Stop Payment | $25.00 |
| Daily Negative Balance Fee | $2.50 |
| Wire Transfer (Outgoing) | $15.00/Transfer |
"Keeping our Railroad Family on Track since 1955!"
