Credit union · NCUA insured
Railroad Federal Credit Union Savings Rates
Top CarrotRailroad Federal Credit Union’s best savings rate is 0.60% APY on $10,000, with its Regular Shares. Rates checked October 22, 2026.
How Railroad Federal Credit Union’s savings 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
0.60%APY
- Requires
- None
- Minimum
- $25
- Earns on $10,000 a year
- $60
Regular Shares
Top rate
Guardian Credit Union
4.00%APY
- Requires
- Monthly account activity
- Minimum
- $10
- Earns on $10,000 a year
- $400
2nd-highest rate
SouthPoint Bank
4.00%APY
- Requires
- None
- Minimum
- $10,000
- Earns on $10,000 a year
- $400
Railroad Federal Credit Union savings score
81
Savings score
Higher than 56% of U.S. banks and credit unions
- $1,000 balance$1,0000.60%
- $10,000 balance$10,0000.60%
- $100,000 balance$100,0000.60%
- QualifiedQualified0.60%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Regular Shares
0.60%APY
A $25 opening balance establishes membership. Dividends paid monthly, no service fee. Rates are declared by the Board of Directors and subject to change.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceCompounded monthly. Dividends paid monthly, no service fee. Rates are declared by the Board of Directors and subject to change.Any balance | 0.60% | $60 | Compounded monthly. Dividends paid monthly, no service fee. Rates are declared by the Board of Directors and subject to change. |
Special-purpose accounts
Regular IRA Shares
0.85%APY
Rates are declared by the Board of Directors and subject to change. Compounded monthly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceCompounded monthly. Rates are declared by the Board of Directors and subject to change.Any balance | 0.85% | $85 | Compounded monthly. Rates are declared by the Board of Directors and subject to change. |
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This may be incomplete or out of date, so check with the credit union before you apply.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.