Railway Employees

P.O. Box 3776, Muscle Shoals, AL 35662

NCUA Insured2.6 (5 reviews)2 charter

Verified Information

NCUA Insured

Member-Owned

2 charter

Established in 1935

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 Muscle Shoals, 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 1935

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

Services Offered

Auto LoansPersonal LoansChecking AccountsMortgagesBusiness Loans

Location & Directions

Address

P.O. Box 3776

Muscle Shoals, AL 35662

Google Maps 🗺Waze

(256) 383-7940

Service Area

This credit union is located in Muscle Shoals and serves members in the AL area. Currently serving 1,366 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

5.00%

Used Auto Loan

7.00%

Personal Loan

18.00%

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(2 total)

Member Reviews

2.6

5 Google reviews

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

View on Google Maps

Pamela Brooks

4 months ago

The team at the credit union is Amazing. They go out of their way to be professional and courteous. I have been a member for many years and it is always a pleasure doing business with them.

Alex glover

8 months ago

Do not expect to use the atm here, it has not been in service in 8 or so months. If you need to check funds or need some cash while they are closed forget about it. Would recommend any other bank in the area over this credit union.

Kaleb Keith

a year ago

VERY RUDE AND UNPROFESSIONAL. DO NOT RECOMMEND. I called asking for information that should be displayed on their website, and was greeted with hostility and disrespect. How do you expect to gain members if they can’t inquire?