Featured Savings Rates
Featured Accounts

Railroad Federal Credit Union

Popular Accounts at this Credit Union

APYACCOUNT TYPEACCOUNT NAME
1.71%5-year CD60 Month CD
1.05%1-year CD12 Month CD
0.70%SavingsRegular Shares

Overview / Commentary
205-956-0678
1808 2nd Ave S
Irondale, AL 35210-1512

Railroad Federal Credit Union is headquartered in Irondale and is the 31st largest credit union in the state of Alabama. It is also the 1,518th largest credit union in the nation. It was established in 1956 and as of March of 2016, it had grown to 8 employees and 5,592 members at 1 location. Railroad Federal Credit Union's savings rates are 35% higher than the national average, and it has 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
A

Health Grade Components

Overall
NCUA #11176
Year Chartered1956
Employees8
Primary Regulator
Profit Margin
Return on Assets - YTD0.05%
Return on Equity - YTD0.38%
Annual Interest Income$524.00K
Assets and Liabilities
AssetsQ1 2016vs Q1 2015$106.1MM$105.9MM
LoansQ1 2016vs Q1 2015$14.3MM$14.4MM
DepositsQ1 2016vs Q1 2015$92.1MM$91.9MM
Equity CapitalQ1 2016vs Q1 2015$13.5MM$13.6MM
Loan Loss AllowanceQ1 2016vs Q1 2015$119.00K$111.00K
Unbacked Noncurrent LoansQ1 2016vs Q1 2015$16.00K$74.00K
Real Estate OwnedQ1 2016vs Q1 2015$0$0
Rates
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Railroad Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.95%--Regular IRA Shares
0.70%--Regular Shares

Railroad Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.15%$2k-Crescent Checking

Railroad Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.71%$1k-60 Month CD
1.63%$1k-48 Month CD
1.46%$1k-36 Month CD
1.36%$1k-30 Month CD
1.26%$1k-24 Month CD
1.11%$1k-18 Month CD
1.05%$1k-12 Month CD
0.70%$1k-6 Month CD
Locations


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