Credit union · NCUA insured
Railroad Federal Credit Union CD Rates
Top CarrotRailroad Federal Credit Union’s best CD rate is 4.08% APY on a 1-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How Railroad Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Birmingham, AL, where Railroad Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Railroad Federal Credit Union
4.08%APY
- Term
- 12 months
- Minimum
- $1,000
- Earns on $10,000
- $408
Share Certificates
Top rate
Birmingham City Credit Union
5.00%APY
- Term
- 18 months
- Minimum
- $500
- Earns on $10,000
- $759
2nd-highest rate
Woodforest National Bank
4.25%APY
- Term
- 9 months
- Minimum
- $500
- Earns on $10,000
- $317
Railroad Federal Credit Union CD score
82
CD score
Higher than 58% of U.S. banks and credit unions
- 3–8 months3–8 mo3.51%
- 9–15 months9–15 mo4.08%
- 16–30 months16–30 mo3.25%
- 31–60 months31–60 mo3.05%
- QualifiedQualified4.08%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Railroad Federal Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Share Certificates
Up to 4.08%APY · 6 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsCompounded daily | 3.51% | $174 |
| 12 monthsCompounded daily | 4.08% | $408 |
| 18 monthsCompounded daily | 3.25% | $492 |
| 24 monthsCompounded daily | 3.05% | $618 |
| 36 monthsCompounded daily | 3.05% | $942 |
| 60 monthsCompounded daily | 3.05% | $1,618 |
Sources (1)
- railroadccu.com/rates · captured Oct 15, 2026
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This may be incomplete or out of date, so check with the credit union before you apply.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.