Not for profit, not for charity, but for service
Chartered in 1956
Monday-Friday, 8AM - 4:30 PM
About Us
A federal credit union is a cooperative, not-for-profit financial institution and is member-owned and controlled. As a federal credit union, members' savings are insured by the National Credit Union Share Insurance Fund (NCUSIF). Membership in federal credit unions such as ours is not open to the general public, but is limited to persons sharing a common bond, such as occupation or employer group. Railroad Federal Credit Union was chartered in 1956 to serve employees of the Southern Railway System in Alabama. Our charter has been amended over the years to add other smaller employee groups.
The Railroad Federal Credit Union’s primary mission is to provide services that meet our members’ financial needs. Our goal is to offer personalized service, high deposit rates and competitive loan rates while maintaining a safe and strong credit union.
NEWS & ADVISORIES
Please join us Friday, March 2, 2012 for our annual meeting. We meet at 7PM at Our Lady of Lourdes Catholic Church gymnasium located at 980 Huffman Road in Birmingham. This is an opportunity to fellowship with your credit union family, enjoy refreshments and have a very good chance of going home with a door prize or cash. We look forward to seeing you there!
- Prepaid card is changing names. Attention DebitPass cardholders: Please be on the lookout for your new branded "Paycard." This will replace the DebitPass card previously issued. Please contact the CU office with the new card number. The new number must be provided so that we can load funds onto your card. The PayCard customer service number is: 866-212-9650.
- WARNING: If you receive an automated recording or an e-mail stating the message is from Railroad Federal Credit Union (Irondale, Alabama) concerning debit account compromises, this communication is not from our credit union. We will never send an e-mail request asking for your account number at our credit union. Also, no government agency will contact you requesting specific personal information unless you have previously contacted the agency. Do not reply or enter any information should you receive an email of this nature.
FEATURED RATES
- Auto loans as low as 2.65% APR
- Certificates as high as 2.020% APY
- IRA as high as 1.358% APY
- Credit Cards as low as 8.99% APR
Copyright © 2012 Railroad Federal Credit Union. All Rights Reserved.
Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. Your savings are additionally insured to $250,000 by Excess Share Insurance. To estimate your National Credit Union Share Insurance Fund coverage, use this insurance estimator or download NCUA's Your Insured Funds brochure. Railroad Federal Credit Union does business in accordance with the Equal Credit Opportunity Act and the Federal Fair Housing Law. We are an Equal Housing Lender. Rates expressed as Annual Percentage Rate or Annual Percentage Yield; all rates and terms subject to change without notice. For complete account disclosures, ask for a copy of our Membership & Account Agreement, Reg CC (Funds Availability) and Reg E (Electronic Transfers) disclosures, and Fee Schedule. Membership eligibility required. Railroad Federal Credit Union is not responsible for content of Web sites which may be accessible via links from this site but are not operated by Railroad Federal Credit Union, and does not represent either the third party or the member if the two enter into a transaction; privacy and security policies may differ from those practiced by Railroad Federal Credit Union.