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
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.
Data as of Q3 2019
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| NCUA # | 68688 |
| Year Chartered | 1956 |
| Employees | 8 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.13% |
| Return on Equity - YTD | 1.02% |
| Annual Interest Income | $1.8MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q3 2019vs Q3 2018 | $106.7MM$105.6MM |
| Loans | Q3 2019vs Q3 2018 | $13.3MM$13.4MM |
| Deposits | Q3 2019vs Q3 2018 | $93.2MM$93.1MM |
| Equity Capital | Q3 2019vs Q3 2018 | $13.3MM$12.4MM |
| Loan Loss Allowance | Q3 2019vs Q3 2018 | $180.00K$127.00K |
| Unbacked Noncurrent Loans | Q3 2019vs Q3 2018 | $52.00K$24.00K |
| Real Estate Owned | Q3 2019vs Q3 2018 | $0$0 |
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
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 1.21% | - | - | Regular IRA Shares | |
| 0.95% | - | - | 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 | VIEW DETAILS |
|---|---|---|---|---|
| 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 Office | 1808 2nd Ave S | Irondale, AL 35210-1512 |