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Railroad Federal Credit Union

Popular Accounts at this Credit Union

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

Overview / Commentary
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 1,516th largest credit union in the nation. It was established in 1956 and as of December of 2016, it had grown to 8 employees and 5,511 members at 1 location. Railroad Federal 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 - YTD0.07%
Return on Equity - YTD0.55%
Annual Interest Income$2.0MM
Assets and Liabilities
AssetsQ4 2016vs Q4 2015$107.5MM$104.7MM
LoansQ4 2016vs Q4 2015$14.7MM$14.5MM
DepositsQ4 2016vs Q4 2015$94.5MM$91.6MM
Equity CapitalQ4 2016vs Q4 2015$12.8MM$13.0MM
Loan Loss AllowanceQ4 2016vs Q4 2015$130.00K$114.00K
Unbacked Noncurrent LoansQ4 2016vs Q4 2015$82.00K$85.00K
Real Estate OwnedQ4 2016vs Q4 2015$0$0
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Railroad Federal Credit Union Savings Account Rates

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

Railroad Federal Credit Union Checking Account Rates

0.15%$2k-Crescent Checking

Railroad Federal Credit Union CD Rates

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

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