Featured Savings Rates
Featured Accounts
Overview / Commentary
1808 2nd Ave S
Irondale, AL 35210-1512

Railroad Community Credit Union is headquartered in Irondale and is the 31st largest credit union in the state of Alabama. It is also the 1,531st largest credit union in the nation. It was established in 1956 and as of September of 2017, it had grown to 8 employees and 5,346 members at 1 location. Railroad Community Credit Union's savings rates are 35% higher than the national average, and it boasts an A+ health rating.

Field of Membership Restrictions

Membership is open to Norfolk Southern employees working out of Norris Yard in Irondale, Alabama, their immediate family, and to 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 #11176
Year Chartered1956
Primary Regulator
Profit Margin
Return on Assets - YTD0.06%
Return on Equity - YTD0.51%
Annual Interest Income$1.5MM
Assets and Liabilities
AssetsQ3 2017vs Q3 2016$108.3MM$107.1MM
LoansQ3 2017vs Q3 2016$13.8MM$14.8MM
DepositsQ3 2017vs Q3 2016$95.0MM$93.3MM
Equity CapitalQ3 2017vs Q3 2016$13.0MM$13.7MM
Loan Loss AllowanceQ3 2017vs Q3 2016$99.00K$115.00K
Unbacked Noncurrent LoansQ3 2017vs Q3 2016$54.00K$24.00K
Real Estate OwnedQ3 2017vs Q3 2016$0$0
Skip to rates for:
Report an Issue

Always verify rates and promotions with the bank or credit union. We are not Railroad Community Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

Railroad Community Credit Union Savings Account Rates

0.95%--Regular IRA Shares
0.70%--Regular Shares

Railroad Community Credit Union Checking Account Rates

0.15%$2k-Crescent Checking

Railroad Community Credit Union CD Rates

1.87%$1k-60 Month CD
1.71%$1k-48 Month CD
1.56%$1k-36 Month CD
1.46%$1k-30 Month CD
1.36%$1k-24 Month CD
1.21%$1k-18 Month CD
1.16%$1k-12 Month CD
0.75%$1k-6 Month CD

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