Credit union · NCUA insured
Railroad Federal Credit Union Auto Loan Rates
Top CarrotRailroad Federal Credit Union auto loans start at 4.75% APR for a new vehicle and 5.00% for a used one. Rates checked October 22, 2026.
How Railroad Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Birmingham, AL, where Railroad Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Railroad Federal Credit Union
4.75%APR
- Terms
- up to 60 months
Used Auto Loans
Lowest rate
ASE Credit Union
2.99%APR
- Terms
- up to 84 months
2nd-lowest rate
AOD Federal Credit Union
2.74%APR
- Terms
- up to 75 months
Railroad Federal Credit Union auto loan score
85
Auto loan score
Higher than 69% of U.S. banks and credit unions
- New vehicleNew4.75%
- Used vehicleUsed5.00%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Railroad Federal Credit Union ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
Motorcycles
Member credit score determines actual rate, and published rates are the lowest available.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 6.00% | Street motorcycle, 500cc+. Current & prior 2 model years. Member credit score determines actual rate; published rates are as low as. |
Sources (1)
- railroadccu.com/rates · captured Oct 15, 2026
New Auto Loans
Member credit score determines actual loan rate, and published rates are the lowest available. Loan amounts of $20,000 or greater are subject to credit and policy limitations.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 4.50% | Current & prior 2 model years. Member credit score determines actual rate; published rates are as low as. |
| up to 60 months | 4.75% | Current & prior 2 model years. Member credit score determines actual rate; published rates are as low as. |
| up to 75 months | 5.25% | $20K or greater loan amount, subject to credit and policy limitations. Member credit score determines actual rate; published rates are as low as. |
| up to 84 months | 6.25% | $30K or greater loan amount, subject to credit and policy limitations. Member credit score determines actual rate; published rates are as low as. |
Used Auto Loans
Member credit score determines actual loan rate, and published rates are the lowest available. Loan amounts of $20,000 or greater are subject to credit and policy limitations.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 4.50% | Current & prior 2 model years. Member credit score determines actual rate; published rates are as low as. |
| up to 60 months | 4.75% | Current & prior 2 model years. Member credit score determines actual rate; published rates are as low as. |
| up to 75 months | 5.25% | $20K or greater loan amount, subject to credit and policy limitations. Member credit score determines actual rate; published rates are as low as. |
| up to 84 months | 6.25% | $30K or greater loan amount, subject to credit and policy limitations. Member credit score determines actual rate; published rates are as low as. |
| up to 60 months | 5.00% | 3 model years & older, 60 month max term. Member credit score determines actual rate; published rates are as low as. |
Who can join Railroad Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Persons living or working in Jefferson, St. Clair, Shelby, Tuscaloosa, Blount, and Walker counties are eligible to join.
Employers and groups
- Employees of Morris Shea Bridge may use credit union services.
- Membership is available to Norfolk Southern employees working out of Norris Yard in Irondale.
Military, government and schools
- Employees of the City of Irondale may use credit union services.
Family and household
- Family members of employees of the City of Irondale and Morris Shea Bridge are eligible to join.
- Family members of Norfolk Southern employees working out of Norris Yard in Irondale are eligible to join.
Cost to join
- A deposit of $25 is required to open a regular share account and must be maintained to access accounts or services.
Membership information collected October 4, 2026.