Railroad Community Credit Union

TODAY'S FEATURED RATES

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.31%

Our Rating

4.0 / 5

Vio Bank

Cornerstone Money Market

See Offer

Sponsored Note: Interest is compounded daily, growing your money fast

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Overview / Commentary

www.railroadccu.com

205-956-0678

1808 2nd Ave S
Irondale, AL 35210

Railroad Community Credit Union is headquartered in Irondale and is the 35^th largest credit union in the state of Alabama. It is also the 1,818^th largest credit union in the nation. It was established in 1956 and as of March of 2025, it had grown to 8 employees and 4,820 members at 1 location. Railroad Community Credit Union's CD rates are 4X the national average, and it has an A health rating.

Field of Membership Restrictions

Membership in Railroad Community Credit Union is open to those who live or work in the Alabama counties of Blount, Jefferson, St. Clair, Shelby, Tuscaloosa, or Walker. Norfolk Southern employees working out of Norris Yard in Irondale, Alabama also qualify for membership, as do employees of the City of Irondale and Morris Shea Bridge.
See current membership details

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Health

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
NCUA #	68688
Year Chartered	1956
Employees	8
Primary Regulator

Profit Margin
Return on Assets - YTD	0.38%
Return on Equity - YTD	2.95%
Annual Interest Income	$813K

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$101.8MM$103.4MM
Loans	Q1 2025vs Q1 2024	$13.2MM$14.6MM
Deposits	Q1 2025vs Q1 2024	$88.5MM$90.7MM
Equity Capital	Q1 2025vs Q1 2024	$13MM$12.2MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$259K$230K
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$0$5K
Real Estate Owned	Q1 2025vs Q1 2024	$0$0

TODAY'S FEATURED RATES

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.31%

Our Rating

4.0 / 5

Vio Bank

Cornerstone Money Market

See Offer

Sponsored Note: Interest is compounded daily, growing your money fast

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

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Checking
CD
IRA

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Railroad Community Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.45%	$0	-	Regular Shares

Railroad Community Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.15%	$2k	-	Crescent Checking

Railroad Community Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
3.87%	$1k	-	12 Month CD
3.30%	$1k	-	6 Month CD
3.20%	$1k	-	18 Month CD
3.04%	$1k	-	24 Month CD
3.04%	$1k	-	30 Month CD
3.04%	$1k	-	36 Month CD
3.04%	$1k	-	48 Month CD
3.04%	$1k	-	60 Month CD

Railroad Community Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.70%	$0	-	Regular IRA Shares

Locations

Railroad Community Credit Union Locations
Corporate Office	1808 2nd Ave S	Irondale, AL 35210-1512

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