"Keeping Our Railroad Family On Track"
RT# 307084004 | 300 N 6th St Belen, NM 87002 | (505) 864-4740
It's Monday 6:13 PM — We are currently CLOSED
"Keeping Our Railroad Family On Track"
Enjoy an easy-access dividend checking account with a MasterCard® Debit Card.
Open a savings account and watch your money grow! Just $25 to open, $5 for minor accounts.
We offer Traditional and Roth IRA’s. Start savings now for your future.
To open call (505) 864-4740, email us at info@recu.org, or come by 300 N 6th St Belen.
Open with $1,000 or more, fixed rate dividends, 6 to 60 month terms.
To open call (505) 864-4740, email us at info@recu.org, or come by 300 N 6th St Belen.
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% |
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% |
*Rates are subject to change without notice. APY = Annual Percentage Yield
6 MONTH | 12 MONTH | 24 MONTH | 36 MONTH | |
---|---|---|---|---|
RATE | 4.70% | 4.15% | 3.80% | 3.70% |
APY | 4.78% | 4.21% | 3.85% | 3.75% |
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 | $500 | 90 Days interest on amount withdrawn |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 | $500 | 90 Days interest on amount withdrawn |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 | $1,000 | 180 Days interest on amount withdrawn |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 | $1,000 | 180 Days interest on amount withdrawn |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 | $1,000 | 180 Days interest on amount withdrawn |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 | $1,000 | 180 Days interest on amount withdrawn |
Term Share accounts will automatically roll-over at maturity at the current market rate and have a 10-day grace period. Dividends are paid and/or compounded quarterly. Dividends may be compounded, transferred to another share account or mailed at the end of each quarter. Members who choose to transfer or mail their dividends will receive the stated dividend rate, not the APY.
Fees may reduce the earnings on dividend-earning accounts. Please refer to the Truth-in-Savings disclosure for Term Share Certificate details. Rates above are effective as of 3/1/2024. Rates are subject to change at any time. For the most current rate information call us at 505-864-4740 or toll free 844-655-0376.
Our Online Banking is easy to use and includes Bill Payer. Sign up by clicking “Enroll” in navigation.
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.
Have ultimate control over your debit card by easily being able to turn the card on and off. Learn more.
Organize and pay your bills all in one location. Free for members, easy to use, and secure. Access once signed into Online Banking.
Have your paychecks automatically deposited into your account. BNSF Employees who have Payroll Deduct can have their funds deposited to pay their loans automatically.
Easy access to your accounts with free transactions at any CU Anytime ATM’s.
Save a tree by signing up for E-Statements and eNotices.
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. Click Here for more information.
A more affordable warranty for your vehicle. Learn more here.
GAP is designed to reduce or eliminate the difference between the insurance settlement and the loan balance. Click Here for more information.
Our Medicare Review Assistant is Sheri Ulibarri.
She can assist with:
Schedule a Meeting HERE or call (505) 263-4633
This is our remote signature option. Open your account or close a loan from anywhere. Just sign with your fingertip!
Contact us for wiring instructions or Click Here for more information.
Official checks are available to members.
Free for members and only $5.00 for non-members. Come by the branch anytime to get your documents notarized. Make sure to bring your ID.
Free Fax & Copy Services for members in lobby.
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) | $0.50 |
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 |
Returned Deposit Item | $15.00 |
Statement Copy | $2.50 |
Stop Payment | $25.00 |
Weekly Negative Balance Fee | $20.00/Week |
Wire Transfer (Outgoing) | $15.00/Transfer |
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It's Monday 6:13 PM — We are currently CLOSED