Credit union · NCUA insured
Railroad Federal Credit Union Credit Card Rates
Top CarrotRailroad Federal Credit Union credit cards start at 8.99% APR on purchases, after any introductory rate. Rates checked October 22, 2026.
How Railroad Federal Credit Union’s credit card rates compare
Compared with banks and credit unions near Birmingham, AL, where Railroad Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Railroad Federal Credit Union
8.99%APR
- Up to
- 13.00% APR
Visa Classic
Lowest rate
AmFirst
7.80%APR
- Up to
- —
2nd-lowest rate
AOD Federal Credit Union
8.49%APR
- Up to
- 16.99% APR
Railroad Federal Credit Union credit card score
88
Credit card score
Higher than 82% of U.S. banks and credit unions
- Purchase APRPurchase APR8.99%
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 credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Visa Classic
For California Borrowers, the Visa Classic is a secured credit card secured by personal property, purchased goods, and/or pledged shares.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 8.99%–13.00% | None | Rate is based on creditworthiness. 25-day grace period to avoid interest on purchases. |
Sources (3)
All 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This may be incomplete or out of date, so check with the credit union before you apply.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.