Not for profit, not for charity, but for service
Chartered in 1956
Monday-Friday, 8AM - 4:30 PM
Products
Loan Info
Interest income pays your share dividends!
New Auto Loans
Begin your new car search with us. True dealer cost figures, customer & dealer rebate information. Financing to 72 months for qualifying members (minimum loan amount is $30,000 for 72 mos.).
Used Autos
Call for NADA values on used cars & trucks. Check our current rates here.
Home Equity Loans
Opening rate of 5.00% for the first full year. Minimum rate thereafter is 6.00%, maximum annual rate change is 2.00% and the loan cannot exceed 12.00%.
Motorcycles
Five year financing is available on new & used motorcycles. This applies only to street bikes of 500CC or greater.
RVs, Boats & ATVs
We make loans for new and used recreational vehicles. For 5th wheel trailers & motor homes terms to 10 years are available (credit & min. loan restrictions apply). New boats may be financed up to 72 months (credit & loan amount restrictions apply).
Personal Loans
Unexpected bills, travel expenses, car repairs? Give us a call. We'll tailor a loan that will fit your budget.
Railroad Federal Credit Union Visa
For card-carrying convenience, apply for a Railroad FCU Visa Classic card. You will appreciate the cost-saving advantages of a low annual percentage rate, no annual fee, and a 25-day grace period. Administered by people you know and trust. Accepted world-wide.
Regular & Roth IRA
Deposits to IRA accounts are limited. Ask your tax advisor for details on your contribution limits, allowable deductions and help in determining which IRA is right for you.
Educational IRA
Unlike traditional IRA’s, your contributions to an Educational IRA are never tax-deductible. However, an Educational IRA offers you the potential for tax-free withdrawals – including earnings. Call for more details.
Share Info
Our returns are consistently among the highest in the industry.
Regular Shares
Our Share Savings Account establishes you as a Member. Low minimum opening balance of $25.00. Dividends are computed on the average daily balance and paid each calendar month No monthly service fee.
Share Certificates
$1,000 min. to open. Dividends are paid from the date of deposit to the date of withdrawal on the last day of each month. Terms available from 6 months to 5 years. Monthly dividends can be mailed to you or credited to your checking account by automatic transfer.
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.