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Railroad Community Credit Union


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/10/2025
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
APY APY = Annual Percentage Yield Rates as of 7/10/2025
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
APY APY = Annual Percentage Yield Rates as of 7/10/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/10/2025
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
APY APY = Annual Percentage Yield Rates as of 7/10/2025
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
Bonus Amount
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 35th largest credit union in the state of Alabama. It is also the 1,818th 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
A

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
NCUA #68688
Year Chartered1956
Employees8
Primary Regulator
Profit Margin
Return on Assets - YTD0.38%
Return on Equity - YTD2.95%
Annual Interest Income$813K
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$101.8MM$103.4MM
LoansQ1 2025vs Q1 2024$13.2MM$14.6MM
DepositsQ1 2025vs Q1 2024$88.5MM$90.7MM
Equity CapitalQ1 2025vs Q1 2024$13MM$12.2MM
Loan Loss AllowanceQ1 2025vs Q1 2024$259K$230K
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$0$5K
Real Estate OwnedQ1 2025vs Q1 2024$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/10/2025
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
APY APY = Annual Percentage Yield Rates as of 7/10/2025
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
APY APY = Annual Percentage Yield Rates as of 7/10/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/10/2025
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
APY APY = Annual Percentage Yield Rates as of 7/10/2025
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
Bonus Amount
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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Railroad Community Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.45%$0-Regular Shares

Railroad Community Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.15%$2k-Crescent Checking

Railroad Community Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.70%$0-Regular IRA Shares
Locations


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

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