Railroad Community Credit Union

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

Railroad Community Credit Union is headquartered in Irondale and is the 33rd largest credit union in the state of Alabama. It is also the 1,693rd largest credit union in the nation. It was established in 1956 and as of March of 2021, it had grown to 8 employees and 4,936 members at 1 location. Railroad Community Credit Union 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 - YTD0.62%
Return on Equity - YTD5.06%
Annual Interest Income$409.00K
Assets and Liabilities
AssetsQ1 2021vs Q1 2020$113.4MM$108.1MM
LoansQ1 2021vs Q1 2020$11.4MM$12.6MM
DepositsQ1 2021vs Q1 2020$99.5MM$94.5MM
Equity CapitalQ1 2021vs Q1 2020$13.7MM$13.6MM
Loan Loss AllowanceQ1 2021vs Q1 2020$234.00K$226.00K
Unbacked Noncurrent LoansQ1 2021vs Q1 2020$39.00K$41.00K
Real Estate OwnedQ1 2021vs Q1 2020$0$0
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Railroad Community Credit Union Savings Account Rates

0.55%--Regular IRA Shares
0.30%--Regular Shares

Railroad Community Credit Union Checking Account Rates

0.15%$2k-Crescent Checking

Railroad Community Credit Union CD Rates

0.30%$1k-60 Month CD
0.25%$1k-48 Month CD
0.20%$1k-30 Month CD
0.20%$1k-36 Month CD
0.15%$1k-6 Month CD
0.15%$1k-12 Month CD
0.15%$1k-18 Month CD
0.15%$1k-24 Month CD

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

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