Privacy Policy

As you know, businesses must adhere to certain standards regarding the collection and distribution of personal information. As required annually, the credit union will publish its privacy policy. The following is the credit union’s policy concerning members’ information:

“We will collect nonpublic, personal information about our members from the following sources:

Information we receive from the members on applications and other forms;
Information about member transactions with us, our affiliates or others;
Information we receive from a consumer reporting agency.

We will not disclose any nonpublic, personal information about our members and former members to anyone, except as permitted by law.

We may disclose all of the information we collect, as described above, to companies that perform marketing services on our behalf or to other financial institutions with whom we have a joint marketing agreement. Any such company will adhere to our practice of strictly protecting the members’ personal financial information.

We will restrict access to nonpublic, personal information about our members to those employees who need to know that information in order to provide products or services to our members. We will maintain physical, electronic and procedural safeguards that comply with federal regulations to guard the members’ nonpublic, personal information.”

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.

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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

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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.