Founded more than nine decades ago for railroad workers, CN/IC Employees Credit Union in Memphis, Tennessee serves employees connected to the Canadian National and Illinois Central railroad family. This long-standing cooperative offers savings, loans, and personal financial services with a proud rail-industry heritage.

Ninety-plus years of history ride behind CN/IC Employees Credit Union, the Memphis institution created for Canadian National and Illinois Central railroad workers. Generations of railroaders have trusted this cooperative for fair loans, steady savings, and service that treats members like family. Keep that legacy of smart money going strong with Fluz: buy gift cards through the app for groceries, gas, dining, and more, and collect instant cashback on spending you would do anyway. Railroad-grade reliability from your credit union plus modern rewards from Fluz means your paycheck works harder down every mile of track.