Vicksburg Railroad Credit Union

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A short history of Vicksburg Railroad CU

Since its inception in 1934 the Vicksburg Railroad Credit Union has been serving its members in the Vicksburg, Mississippi area with exceptional financial products. You can find their current interest rates on used car loans, new car loans, 1st mortgage loans and interest rates on both fixed and adjustable mortgages here on these pages. Currently led by David Bell, the Vicksburg Railroad CU has grown its membership to over 1,217 with assets of more than $11,431,877. They have a main office and 1 branch offices. Please see the credit unions website or contact them by phone at (601) 638-3134 or email them at to get exact details . There are many other credit unions in the local area. See them all here. Credit Unions in Vicksburg, MS.

General Information For Vicksburg Railroad CU was taken from their 6/30/2017 quarterly report, which is the most current available public information.

Charter Number 61553
Address P O Box 802 
City Vicksburg 
State Mississippi 
Zip-Code 39181
Phone Number (601) 638-3134
Fax Number (601) 638-3163
Email Address:
CEO/President David Bell
Members 1,217 
Full-Time Employees
Part-Time Employees
Number of Branch Offices
Total Assets 11,431,877 

Compare Vicksburg Railroad Credit Union To Other Local Credit Unions

Credit Union Name
Branch Name
Zip Code
Phone Number
ATM Access
Distance (Miles)
Mutual CU Mutual Credit Union 1604 Cherry St 39181 (601) 636-7523 No 0.43
Vickswood CU Vicksburg Main Branch 107 Thalweg Dr 39182 (601) 636-4434 No 2.81
M S T C CU MSTC Federal Credit Union 500 Clinton Center Dr 39225 (601) 923-7445 No 29.23

Vicksburg Railroad Credit Union Financial Performance Charts

Performance Charts

Website Image

Financial Data

Vicksburg Railroad Credit Union Lowest Loan Rates With State and USA Rankings

Unsecured Credit Card New Car Loans Used Car Loans 1st Mortgage Loans Other Real Estate
Rate N/A 4.75 6.50 6.00 N/A
Mean Rate For All USA Based Credit Unions 10.56 3.72 5.00 4.48 4.95
Rank Among All USA Credit Unions N/A 369 499 373 N/A
Rank Among All Mississippi Credit Unions N/A 31 24 17 N/A

Vicksburg Railroad Credit Union Highest Deposit Rates With State and USA Rankings

Checking Regular Savings Money Market Certificates of Deposits IRA/KEOGH
Rate 0.25 0.25 N/A 0.50 0.50
Mean Rate For All USA Based Credit Unions 0.19 0.26 0.29 0.73 0.66
Rank Among All USA Credit Unions 95 95 N/A 263 227
Rank Among All Mississippi Credit Unions 7 21 N/A 29 14
Vicksburg Railroad Credit Union Loans and Leases

Interest Rate Number of Loans Amount
Unsecured Credit Card Loans 0.00000
All Other Unsecured Loans/Lines of Credit 12.000307876,889
Short-Term, Small Amount Loans (STS) (Federal CU Only) 0.00000
Non-Federally Guaranteed Student Loans 0.00000
New Vehicle Loans 4.750701,524,453
Used Vehicle Loans 6.5001411,781,887
Total 1st Mortgage Real Estate Loans/Lines of Credit 6.000201,293,427
Total Other Real Estate Loans/Lines of Credit 0.00000
Leases Receivable 0.00000
Total All Other Loans/Lines of Credit 8.000101940,701
TOTAL LOANS & LEASES 6396,417,357

Vicksburg Railroad Credit Union Real Estate Loans and Lines of Credit


No. of Loans Outstanding Amt of Loans Outstanding No. of Loans Granted Year- to-Date Amount Granted Year-To-Date
Fixed Rate
    a. > 15 years 5671,25900
    b. 15 Years or less 15622,16800
    a. > 15 years 0000
    b. 15 Years or less 0000
Other Fixed Rate 0000
Adjustable Rate 1 yr or less 0000
Adjustable Rate > 1 yr 0000


Closed-End Fixed Rate 0000
Closed-End Adjustable Rate 0000
Open-End Adjustable Rate 0000
Open-End Fixed Rate 0000
TOTALS 201,293,42700


Interest Only & Payment Option 1st Mortgage Loans 000
Interest Only & Payment Option Other RE/LOC Loans 000
    a. Federally Insured Home Equity Conversion Mortgage (HECM) 0000
    b. Proprietary Reverse Mortgage Products 0000

Vicksburg Railroad Credit Union Member Offerings
First Time Homebuyer Program No
Real Estate Loans Yes
Pay Day Lending No
Share Secured Credit Cards No
Overdraft Protection/Courtesy Pay No
Overdraft Lines of Credit No
ATM/Debit Card Program Yes
Interest Only and Payment Option 1st Mortgage Loans No
Check Cashing No
Money Orders No
No Surcharge ATMs No
Home Banking Via Internet Website Yes