Railroad Credit Union
Verified rate book
Current Railroad Credit Union rates
27 published offers verified as of August 4, 2026.
Auto & vehicle rates
12 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| New/ Used 48 mo. (current & prior 2 model years)auto_any_48mo | 4.500% APR | 4.500% | 48 mo · any | Standard |
| New / Used 60 mo. (current & prior 2 model years)auto_any_60mo | 4.750% APR | 4.750% | 60 mo · any | Standard |
| New/Used (curr & prior 2 yrs) street motorcycle 500cc> 48 mo.motorcycle_any_48mo | 6.000% APR | 6.000% | 48 mo · any | Standard |
| New/Used boat (curr & prior 2 yrs) 60 mo.boat_any_60mo | 6.450% APR | 6.450% | 60 mo · any | Standard |
| New/Used (curr & prior 2 yrs) street motorcycle 500cc> 60 mo.motorcycle_any_60mo | 6.500% APR | 6.500% | 60 mo · any | Standard |
| Used boat purchase 60 mo.boat_used_60mo | 7.000% APR | 7.000% | 60 mo · used | Standard |
| New RVs 75 mo.rv_new_75mo | 7.250% APR | 7.250% | 75 mo · new | Standard |
| Used RVs 75 mo.rv_used_75mo | 7.750% APR | 7.750% | 75 mo · used | Standard |
| New RVs 120 mo.(>$30K)rv_new_120mo | 7.750% APR | 7.750% | 120 mo · new | Standard |
| Used RVs 120 mo., (>$30K)rv_used_120mo | 8.250% APR | 8.250% | 120 mo · used | Standard |
| Used ATV/ personal watercraft / off-road motorcycle, 36 mo.powersports_used_36mo | 9.250% APR | 9.250% | 36 mo · used | Standard |
| New ATV/ personal watercraft / off-road motorcycle, 36 mo.powersports_new_36mo | 9.250% APR | 9.250% | 36 mo · new | Standard |
Personal loan rates
1 offer| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Unsecured Personal Loanpersonal_unsecured | 9.990% APR | 9.990% | — | Standard |
Savings & CD rates
11 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Crescent Checkingsavings | 0.15% APY | 0.15% | — | Standard |
| Regular Shares*savings | 0.55% APY | 0.55% | — | Standard |
| Regular IRA Shares*ira | 0.80% APY | 0.80% | — | Standard |
| 24-Month Certificatecd_24mo | 3.04% APY | 3.00% | 24 mo | Standard |
| 36-Month Certificatecd_36mo | 3.04% APY | 3.00% | 36 mo | Standard |
| 30-Month Certificatecd_30mo | 3.04% APY | 3.00% | 30 mo | Standard |
| 60-Month Certificatecd_60mo | 3.04% APY | 3.00% | 60 mo | Standard |
| 48-Month Certificatecd_48mo | 3.04% APY | 3.00% | 48 mo | Standard |
| 18-Month Certificatecd_18mo | 3.20% APY | 3.15% | 18 mo | Standard |
| 6-Month Certificatecd_6mo | 3.30% APY | 3.25% | 6 mo | Standard |
| 12-Month Certificatecd_12mo | 3.77% APY | 3.70% | 12 mo | Standard |
Equipment loan rates
3 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| New farm equipment 60 mo.equipment_new_60mo | 6.750% APR | 6.750% | — | Standard |
| New farm equipment 72 mo. **equipment_new_72mo | 7.250% APR | 7.250% | — | Standard |
| Used farm equipment 60 mo.equipment_used_60mo | 7.350% APR | 7.350% | — | Standard |
Vehicle loans available from 4.5% APR for 48 months. Personal loan rates from 9.99% APR. Savings and certificate yields up to 3.77% APY. Equipment loans from 6.75% APR.
Source: RateAPI.dev, verified from Railroad Credit Union's official website
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About Railroad Credit Union
Institution facts reported to the National Credit Union Administration for Invalid Date.
- Members
- 4.8K
- Assets
- $100.8M
- Founded
- 1956
- Locations reported
- 1
- NCUA charter
- 68688
- Charter type
- Federally insured state-chartered credit union
Services and member support
- Online membership application
- Electronic statements
Source: NCUA quarterly call report. Services are institution-reported; confirm availability with the credit union.
Other credit unions with branches nearby
Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby.
Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance.
Who Can Join Railroad Credit Union
Membership eligibility from Railroad Credit Union's own published criteria. How we verify this.
Membership via employers (Norfolk Southern +2 more)
- LocationJefferson, St. Clair, Shelby, Tuscaloosa, Blount, Walker
- EmployerNorfolk Southern, City of Irondale, Morris Shea Bridge
Cost to join: About $25.
Verified from Railroad Credit Union's membership page. Final membership determination is always made by the credit union.
Work at Railroad Credit Union?
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Frequently Asked Questions
What rates does Railroad Credit Union offer?
Railroad Credit Union currently offers vehicle loan, and personal loan rates. The rates shown on this page were last verified August 4, 2026 directly from the credit union's official website.
How often are Railroad Credit Union rates updated?
RateAPI verifies Railroad Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified August 4, 2026.
Where does RateAPI get Railroad Credit Union's rate data?
Rate data is collected directly from Railroad Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.
What are Railroad Credit Union's auto, rv, boat, motorcycle & powersports loan rates?
As of August 4, 2026, Railroad Credit Union offers vehicle loans from 4.5% APR.
What is Railroad Credit Union's personal loan rate?
As of August 4, 2026, Railroad Credit Union offers personal loans from 9.99% APR.
What is Railroad Credit Union's best CD rate?
As of August 4, 2026, Railroad Credit Union offers savings and certificate (CD) yields up to 3.77% APY.
Related Rate Data
Compare Railroad Credit Union's rates against national credit-union benchmarks.
Source Information
Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.
View Original SourceMethodology
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View MethodologyTrack Railroad Credit Union rates
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# Get rates for Railroad Credit Union
curl "https://api.rateapi.dev/credit-unions/alabama/railroad" \
-H "Authorization: Bearer YOUR_API_KEY"