Railroad Federal Credit Union

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A short history of Railroad FCU

Since its inception in 1956 the Railroad Federal Credit Union has been serving its members in the IRONDALE, Alabama area with exceptional financial products. You can find their current interest rates on used car loans, new car loans, 1st mortgage loans and interest rates on both fixed and adjustable mortgages here on these pages. Currently led by Sharon Hazelwood, the Railroad FCU has grown its membership to over 5,359 with assets of more than $108,428,670. They have a main office and 1 branch offices. Please see the credit unions website or contact them by phone at (205) 956-0678 or email them at shazelwood@railroadfcu.com to get exact details . There are many other credit unions in the local area. See them all here. Credit Unions in IRONDALE, AL.

General Information For Railroad FCU was taken from their 6/30/2017 quarterly report, which is the most current available public information.

Charter Number 11176
Address P O BOX 100185 
State Alabama 
Zip-Code 35210
Phone Number (205) 956-0678
Fax Number (205) 956-0834
Email Address: shazelwood@railroadfcu.com
CEO/President Sharon Hazelwood
Members 5,359 
Full-Time Employees
Part-Time Employees
Number of Branch Offices
Total Assets 108,428,670 
Website https://railroadfcu.com 

Compare Railroad Federal Credit Union To Other Local Credit Unions

Credit Union Name
Branch Name
Zip Code
Phone Number
ATM Access
Distance (Miles)
Nrs Community Development CU MAIN OFFICE 7400 LONDON AVE 35213 (205) 833-3556 No 3.01
Ang CU ANG Federal Credit Union 5401 E Lake Blvd Bldg 630 35217 (205) 841-4525 No 5.17
O'neal CU ONeal Credit Union 744 41st St N 35202 (205) 599-8010 No 6.10
People's First CU People's First Federal CU 1140 Ford Ave 35217 (205) 841-1818 No 6.35
Alabama Central CU Florence 1902 Bruin Dr 35630 (256) 766-9198 No 6.44

Railroad Federal Credit Union Financial Performance Charts

Performance Charts

Website Image

Financial Data

Railroad Federal Credit Union Lowest Loan Rates With State and USA Rankings

Unsecured Credit Card New Car Loans Used Car Loans 1st Mortgage Loans Other Real Estate
Rate 13.00 3.65 5.50 4.00 5.00
Mean Rate For All USA Based Credit Unions 10.56 3.72 5.00 4.48 4.95
Rank Among All USA Credit Unions 459 228 384 138 229
Rank Among All Alabama Credit Unions 29 25 39 12 21

Railroad Federal Credit Union Highest Deposit Rates With State and USA Rankings

Checking Regular Savings Money Market Certificates of Deposits IRA/KEOGH
Rate 0.15 0.70 N/A 1.00 0.95
Mean Rate For All USA Based Credit Unions 0.19 0.26 0.29 0.73 0.66
Rank Among All USA Credit Unions 108 48 N/A 174 166
Rank Among All Alabama Credit Unions 6 7 N/A 17 12
Railroad Federal Credit Union Loans and Leases

Interest Rate Number of Loans Amount
Unsecured Credit Card Loans 13.000420510,875
All Other Unsecured Loans/Lines of Credit 11.9006682,064,824
Short-Term, Small Amount Loans (STS) (Federal CU Only) 0.00000
Non-Federally Guaranteed Student Loans 0.00000
New Vehicle Loans 3.6501512,711,205
Used Vehicle Loans 5.5004354,352,855
Total 1st Mortgage Real Estate Loans/Lines of Credit 4.00031550,677
Total Other Real Estate Loans/Lines of Credit 5.00047246,881
Leases Receivable 0.00000
Total All Other Loans/Lines of Credit 9.7503813,429,919
TOTAL LOANS & LEASES 2,13313,867,236

Railroad Federal Credit Union Real Estate Loans and Lines of Credit


No. of Loans Outstanding Amt of Loans Outstanding No. of Loans Granted Year- to-Date Amount Granted Year-To-Date
Fixed Rate
    a. > 15 years 0000
    b. 15 Years or less 275,90100
    a. > 15 years 0000
    b. 15 Years or less 134,09900
Other Fixed Rate 0000
Adjustable Rate 1 yr or less 28440,67700
Adjustable Rate > 1 yr 0000


Closed-End Fixed Rate 118,16600
Closed-End Adjustable Rate 0000
Open-End Adjustable Rate 46228,7152125,000
Open-End Fixed Rate 0000
TOTALS 78797,5582125,000


Interest Only & Payment Option 1st Mortgage Loans 000
Interest Only & Payment Option Other RE/LOC Loans 000
    a. Federally Insured Home Equity Conversion Mortgage (HECM) 0000
    b. Proprietary Reverse Mortgage Products 0000

Railroad Federal Credit Union Member Offerings
First Time Homebuyer Program No
Real Estate Loans Yes
Pay Day Lending No
Share Secured Credit Cards Yes
Overdraft Protection/Courtesy Pay Yes
Overdraft Lines of Credit No
ATM/Debit Card Program Yes
Interest Only and Payment Option 1st Mortgage Loans No
Check Cashing No
Money Orders Yes
No Surcharge ATMs Yes
Home Banking Via Internet Website Yes