Railroad

P O Box 100185, Irondale, AL 35210

NCUA Insured4.8 (16 reviews)2 charter

Verified Information

NCUA Insured

Member-Owned

2 charter

Established in 1956

Contact this credit union directly for detailed information about membership eligibility and current rates.

Membership Eligibility

Anyone who lives, works, or worships in or around Irondale, AL may be eligible to join. Community credit unions are open to the general public within their service area.

Check eligibility on their website →

Verified Information

NCUA Insured — deposits protected up to $250,000

Member-Owned — not-for-profit cooperative

2 charter

Established in 1956

Contact this credit union directly for detailed information about membership eligibility, current rates, and services.

Services Offered

Auto LoansPersonal LoansChecking AccountsMortgagesBusiness LoansCredit Cards

Location & Directions

Address

P O Box 100185

Irondale, AL 35210

Google Maps 🗺Waze

(205) 956-0678

Service Area

This credit union is located in Irondale and serves members in the AL area. Currently serving 4,747 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

5.50%

Used Auto Loan

6.25%

Personal Loan

11.99%

Credit Card APR

13.00%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in AL

Lowest rates currently reported by credit unions in AL (NCUA Q4 2025).

North Alabama Papermakers— New Auto Loan

Stevenson, AL

2.36%

Nrs Community Development— Used Auto Loan

Birmingham, AL

2.25%

Baldwin County— Personal Loan

Bay Minette, AL

6.99%

Eco— Credit Card APR

Birmingham, AL

7.90%

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(1 total)

Member Reviews

4.8

16 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps

Alijah mims

5 years ago

I have been a member of this credit union since 1989. I have a direct deposit every week, I applied for a loan in the amount of 1,200 and I asked that they take the loan payment out every week and Dough said 25.00 a week will pay it out early. I did the paperwork and keep in mind, I have $3,800 a month going into that account. I turned in the paperwork and in 5 minutes I received a denial letter from Brian. Didn't say well let's start out with a 500.00. I told Brain this isn't the credit union for me. Applied with Navy Federal and they helped me out.

Jennifer Lyles

a year ago

We have used the credit union for many years. By being a single location they can give you that personal service that each person deserves.

Pk Smith

7 years ago

So far so go good! Nice employees, I've been with them for years. I wish they had a mobile app, better website you can do more on, and atms.... but they are a small company. All and all I'm satisfied, they just need to modernize their business more.

캼벨켈런

2 years ago

As an SD70 ACe, it's important for me to have the right credit union. And this one sure makes my engine purr and keeps me washed

Jennifer Leigh Taylor

3 years ago

Excellent customer service! Friendly staff on the phone and in person! From the front of the building all the way to the back of the building! I've been with RFCU since 2013 and they are something to talk about! 🤩🤩🤩🤩🤩