Tri State Rail Federal Credit Union is a member-owned financial cooperative headquartered in Erie, Pennsylvania. Founded to serve employees and affiliated groups connected with the regional rail sector, the organization operates within a framework that emphasizes democratic governance, with members selecting the volunteer board of directors from eligible field of membership. Its historical trajectory reflects a cooperative model that evolved alongside changes in railroad, transit, and related industries, prioritizing financial inclusion for individuals who share a common professional or community bond.
The credit union provides a range of core financial services designed to meet everyday banking needs. Primary functions typically include accepting deposits, offering loan products, and providing basic payment services, all administered through member-facing branches and supportive administrative operations. The organizational scope centers on fostering responsible financial management for members, supporting savings, credit access, and routine banking transactions, while maintaining compliance with applicable regulatory frameworks and cooperative principles.
Better than 43% of providers in Erie
In addition to the primary service, Tri State Rail Federal Credit Union also offers:
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Tri State Rail Federal Credit Union is a verified financial service provider. This means we have confirmed their business information, contact details, and they have received customer reviews. You can trust this provider for your financial needs.
Find answers to common questions
Tri State Rail Federal Credit Union is listed as a financial service provider in Erie, PA and must follow both state and federal regulations that apply to this type of business. As with any financial provider, you should review the agreement carefully before signing, make sure you understand all fees and repayment terms, and only use official contact details from this page or the company's own website. Avoid sharing personal or payment information with anyone who contacts you unexpectedly and, if something seems unclear, ask Tri State Rail Federal Credit Union to explain the terms in writing before you proceed.
To improve your chances of getting better terms from Tri State Rail Federal Credit Union, be prepared with accurate information about your income, existing debts, and the amount you really need to borrow. If possible, check your credit history in advance, avoid late payments on other accounts, and consider offering collateral if the product allows it, as stronger overall finances can help you qualify for more favorable rates or fees. It's also a good idea to compare Tri State Rail Federal Credit Union with other providers in Erie and to ask directly about any current promotions, loyalty benefits, or ways to reduce the total cost of your loan.
Tri State Rail Federal Credit Union has a rating of 3.8, which is better than 43% of providers in Erie.
Requirements can vary by product, but for most visits you should be ready to bring a valid government-issued ID, proof of income (such as recent pay stubs or bank statements), and proof of address like a utility bill or lease. If you are applying for a title or secured loan, you may also need the vehicle title, registration, and insurance details, along with any other documents Tri State Rail Federal Credit Union requests. It is always best to call ahead using the phone number on this page so Tri State Rail Federal Credit Union can confirm exactly which documents you need for your specific situation.
In addition to its primary service, Tri State Rail Federal Credit Union also offers: Credit union, Federal credit union.