Railroad Community Credit Union

Overview / Commentary
1808 2nd Ave S
Irondale, AL 35210

Railroad Community Credit Union is headquartered in Irondale and is the 32nd largest credit union in the state of Alabama. It is also the 1,574th largest credit union in the nation. It was established in 1956 and as of September of 2019, it had grown to 8 employees and 5,122 members at 1 location. Railroad Community Credit Union's savings rates are 83% higher than the national average, and it has an A health rating.

Field of Membership Restrictions

Membership in Railroad Community Credit Union is open to the following: 1) those who live or work in Blount, Jefferson, St. Clair, Shelby, Tuscaloosa, or Walker Counties in Alabama; 2) Norfolk Southern employees working out of Norris Yard in Irondale, Alabama; 3) employees of the City of Irondale and Morris Shea Bridge.
See current membership details

Reviews (1)

Nice One-Location CU

Their rate competitiveness has gone down, so I have only had the minimum deposit for about a year now. I've previously held a couple CDs and my first car loan was with these guys. Until recently, this was where I held my emergency fund.

It's a small, single-location credit union. There is no online account access although you can do a lot of on the phone. As far as customer service, they'll remember your name by your third visit and the bank manager will probably be the person you get bumped to if the teller can't help.


Health Grade Components

NCUA #68688
Year Chartered1956
Primary Regulator
Profit Margin
Return on Assets - YTD0.13%
Return on Equity - YTD1.02%
Annual Interest Income$1.8MM
Assets and Liabilities
AssetsQ3 2019vs Q3 2018$106.7MM$105.6MM
LoansQ3 2019vs Q3 2018$13.3MM$13.4MM
DepositsQ3 2019vs Q3 2018$93.2MM$93.1MM
Equity CapitalQ3 2019vs Q3 2018$13.3MM$12.4MM
Loan Loss AllowanceQ3 2019vs Q3 2018$180.00K$127.00K
Unbacked Noncurrent LoansQ3 2019vs Q3 2018$52.00K$24.00K
Real Estate OwnedQ3 2019vs Q3 2018$0$0
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Railroad Community Credit Union Savings Account Rates

1.21%--Regular IRA Shares
0.95%--Regular Shares

Railroad Community Credit Union Checking Account Rates

0.15%$2k-Crescent Checking

Railroad Community Credit Union CD Rates

1.62%$1k-60 Month CD
1.57%$1k-48 Month CD
1.52%$1k-36 Month CD
1.47%$1k-30 Month CD
1.41%$1k-24 Month CD
1.36%$1k-18 Month CD
1.31%$1k-12 Month CD
1.16%$1k-6 Month CD

Railroad Community Credit Union Locations
Corporate Office1808 2nd Ave SIrondale, AL 35210-1512

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