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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Railroad Credit Union Rates & Review September 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: September 16, 2026
Railroad Credit Union's RV, Boat and Powersport Loan Rates are as low as 9.25%. MonitorBankRates evaluates the financial stability of Railroad Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.09%. Rates last updated and verified on 09/16/2026. Railroad Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Railroad Credit Union? Share your experience about Railroad Credit Union by leaving a review below, or read customer reviews before you decide to use Railroad Credit Union. 
Railroad Credit Union Auto Loan Rates
Railroad Credit Union RV, Boat and Powersport Loan Rates
Railroad Credit Union Personal Loan Rates
Financial Health HistoryRailroad Credit Union’s Texas Ratio stayed near 0.00% in Q2 2023 to 0.09% in Q1 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
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How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Railroad Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Railroad Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Railroad Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Railroad Credit Union
Website
https://railroadccu.com
Address
1808 2nd Ave S,
Irondale, AL 35210-1512
Phone
205-956-0678
Fax
205-956-0834
President
Leslie Smith
CEO
Doug Watson
Full-Time Employees
9
Part-Time Employees
0
Branch Locations
1
ATM Locations
0
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (100/100)
Texas Ratio
0.09%
Return on Assets (ROA)
0.1603%
Return on Equity (ROE)
1.1284%
Non-Performing Loans Ratio (NPL)
0.11%
Total Assets
100,828,257
Total Amount of Shares and Deposits
86,814,379
Total Shares and Deposits < 1 Year
86,214,224
Total Shares and Deposits 1 3 Years
555,657
Total Shares and Deposits > 3 Years
44,498
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
1,579,608
Total Uninsured Shares and Deposits > $250K (F+J)
1,579,608
Total Insured Shares and Deposits > $250K (item 17 less item K)
85,234,771
Total Interest Expense (Sum of items 6 8)
393,550
Share Certificates
470
Number of Accounts for Share Drafts
768
IRA KEOGH Accounts
484
Number of Accounts for Regular Shares
4,561
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
9,558,374
Total Liabilities
87,223,942
Source: NCUA — Last Updated 03/31/2026
Customer Reviews
There are no reviews for Railroad Credit Union yet. Feel free to create one below.
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Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for Railroad Credit Union
Frequently Asked Questions About Railroad Credit UnionHow many branches does Railroad Credit Union operate?Railroad Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join Railroad Credit Union?Yes, to access services at Railroad Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, Railroad Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Railroad Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Railroad Credit Union offer online and mobile banking?Most modern institutions like Railroad Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://railroadccu.com. Compare to Other Credit Unions
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