Railroad Credit Union Irondale AL | Affordable Auto Loans & Business Banking

Introduction

At Railroad, we believe in building strong financial foundations for our members. Located at 1808 2Nd Ave S, Irondale, AL 35210, our main office has been serving the community since 1956. With a commitment to trust and reliability, we've grown to serve 4,840 members, managing total assets of $102,594,762 and providing loans totaling 1,424 to help our members achieve their financial goals. Our leadership team, led by CEO Sharon Hazelwood and Board President Leslie Smith, is dedicated to making sure your financial needs are met with care and understanding. We offer a variety of services from personal banking to auto loans and business banking solutions. With our total deposits standing at $7,371,912, you can trust us to handle your finances securely. While members can visit us at our branch location, official correspondence should be sent to our mailing address: P O Box 100185, Irondale, AL 35210. Our friendly staff is ready to assist you Monday through Friday from 8:00 AM to 4:30 PM. With over $13,873,435 in net worth and ample cash on hand amounting to $540,312, we are well-equipped to support your financial journey. We invite you to explore the many benefits of membership with us. Visit our website at railroadccu.com or give us a call at 205-956-0678 today! Let's work together towards your financial success!

Branch History & Mission

A Story of Growth and Commitment

From our humble beginnings, we have consistently evolved to meet the needs of our members. With total assets amounting to an impressive $102,594,762, we have built a solid foundation that enables us to provide a range of financial services. Our focus has always been on fostering strong relationships with our members and providing them with the tools they need for financial success. Over the years, we have expanded our offerings significantly. We provide personal banking options such as checking and savings accounts, auto loans, mortgage loans, personal loans, and credit cards with rewards. Our business banking services include merchant services and business loans designed to support local entrepreneurs.

Community-Centric Initiatives

Our branch is equipped with a drive-thru service for convenient transactions during our operating hours from 8:00 am to 4:30 pm Monday through Friday. While we currently do not have ATM availability or shared service centers, we are dedicated to enhancing your banking experience through online and mobile banking features. We believe in being accessible and ensuring that everyone can take part in our services. As part of our commitment to community outreach, we work alongside local organizations to create programs that uplift those around us.

Join Us Today!

We invite you to become part of the Railroad family. Experience firsthand the difference that a member-focused credit union can make in your life. Whether you're looking for personal banking solutions or seeking support for your business endeavors, we're here for you every step of the way. For more information about membership and how you can benefit from joining us, please visit our website or call us at 205-956-0678. Together, let's build a brighter future!

Our Mission

At Railroad, our mission is clear: we strive to empower our members through accessible financial solutions while actively contributing to the well-being of the communities we serve. We understand that financial health goes beyond banking; it's about building stronger communities together. Our initiatives focus not only on meeting your financial needs but also on supporting local causes and events that enrich lives in Irondale and beyond. While you can visit us at 1808 2nd Ave S, official correspondence should be sent to P.O. Box 100185, Irondale, AL 35210 if you need to reach out via mail.

Branch Location & Accessibility

Accessibility Features

At Railroad, we prioritize accessibility for all our members. Our branch features ADA-compliant ramps and spacious parking for your convenience. You'll find ample parking right outside the entrance, making your visit hassle-free. If you prefer not to come inside, we also offer drive-thru banking services for quick deposits and withdrawals.

Get in Touch!

Have questions? Don't hesitate to call us at 205-956-0678. We're eager to help you navigate your financial journey and look forward to welcoming you at Railroad! Whether you need assistance with an account or simply want to learn more about our offerings, our dedicated staff is here for you every step of the way. Come visit us today!

Operating Hours

We know your time is valuable. That's why we're open Monday through Friday from 8:00 am to 4:30 pm. This schedule allows you to fit banking into your busy day without any stress.

Services Offered

Our team is here to assist you with a wide range of services tailored to meet your needs from checking and savings accounts to auto loans and mortgage refinancing options. We even offer credit cards with rewards! You can also manage many of these services online or via our mobile banking options for added convenience.

Member Eligibility

At Railroad, we believe in creating a welcoming community where everyone can thrive. Becoming a member is simple and open to those who live, work, worship, or attend school in our service area. If you're part of our vibrant community, you're already on your way to enjoying the many benefits we offer! Not only will you gain access to personalized financial services, but you'll also be joining a supportive network that truly cares about your financial well-being. To learn more about the specific eligibility criteria, you can check out the details at https://railroadccu.com/membership.asp . Once you've confirmed your eligibility, opening an account is a breeze! Just give us a call at (205) 956-0678 for assistance or visit us at our branch located at 1808 2Nd Ave S Irondale Al 35210 during our convenient hours. We're excited to help you embark on your journey with us!

Business Banking & Commercial Services

Financing Your Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $0 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services That Work for You

Imagine being able to accept payments easily from your customers, whether they prefer cash, card, or mobile payment options. Our merchant services simplify transactions so you can focus on what you do best running your business. With secure payment processing and quick access to funds, managing your finances becomes hassle-free. Discover how Railroad, located at 1808 2Nd Ave S Irondale Al 35210, Irondale, AL, can empower your business with innovative banking solutions. Contact us today at (205) 956-0678 to learn more about how we can help you achieve your financial goals!

Comprehensive List Of Services

Auto Loans & Vehicle Financing

If you're considering purchasing a new or used vehicle, our Auto Loans & Vehicle Financing options can help make that dream a reality. We provide competitive rates and flexible terms that fit your budget, ensuring you can drive away in the car you want without breaking the bank.

Business Banking Services

For small business owners, we offer specialized Business Banking solutions including merchant services and business loans tailored to fuel growth and success. Your business deserves financial tools that work as hard as you do.

Credit Cards with Rewards

With our Credit Cards with Rewards, every purchase brings you closer to exciting benefits. Enjoy cashback offers, travel rewards, and other perks that add value to your everyday spending while keeping your finances in check.

Drive-Thru Services

For those times when you're on the move but still need banking assistance, our basic Drive-Thru Banking service lets you complete deposits, withdrawals, and simple transactions without leaving your vehicle. At Railroad, we're committed to making banking easy and accessible for everyone in Irondale and beyond. Our friendly staff is always ready to assist you in finding the right financial products for your needs. Don't hesitate! Visit us today at 1808 2Nd Ave S Irondale Al 35210, or give us a call at (205) 956-0678 we look forward to helping you achieve your financial goals!

Mortgage Loans & Refinancing

Buying a home is one of the biggest decisions you'll ever make. Our Mortgage Loans & Refinancing services cater to first-time homebuyers and seasoned homeowners alike. We guide you through every step, offering personalized solutions that suit your lifestyle and financial situation.

Online & Mobile Banking Convenience

In today's fast-paced world, convenience matters. That's why we provide robust Online & Mobile Banking options that allow you to manage your finances anytime, anywhere. From checking balances to transferring funds and paying bills online, our digital banking features ensure that you stay connected on the go.

Personal Banking Solutions

We understand that managing your personal finances is essential for achieving your goals. That's why we offer various Personal Banking services, including checking and savings accounts designed to help you save for the future while enjoying easy access to your funds. Whether you're budgeting for a special occasion or planning for retirement, our accounts are built with you in mind.

Personal Loans & Debt Consolidation

Life can throw unexpected expenses your way. Our Personal Loans & Debt Consolidation options are here to assist when you need it most. Whether it's an emergency expense or consolidating existing debt into manageable payments, we work closely with you to find the best solution.

Digital & Online Banking

Key Features

Our online banking platform, accessible at https://railroadccu.com/ , is user-friendly and secure. You can view your account balances, track transactions, and pay bills with just a few clicks. If you're looking for an eco-friendly option, you'll be pleased to know that we offer e-statements, making it simple to keep your financial records organized while reducing paper waste. For those who love the flexibility of mobile transactions, we provide person-to-person transfers. This feature allows you to send money directly to friends or family without needing cash or checks perfect for splitting dinner bills or sharing expenses! While we currently do not offer a dedicated mobile application or mobile payments feature, our online platform is optimized for all devices. You can easily log in from your smartphone or tablet and manage your accounts on the go.

Security and Accessibility

Your security is our priority. We ensure that all transactions are encrypted and protected, giving you peace of mind as you bank online. Though electronic signature authorization is not available at this time, our straightforward processes make it easy for you to manage your financial activities without unnecessary complications. With Railroad, banking is more than just transactions; it's about creating a relationship built on trust and convenience. Whether you're checking balances or transferring funds, we're here to support you every step of the way. Experience the ease of digital banking today!

Financial Strength

Focused on Member Benefits

Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks. Our commitment to our members is reflected in our operational efficiency; our $233,581 allows us to continue offering competitive loan rates and solid financial products for our members.

Growing Together

Our growing member base is evident with a total of 6,382 share accounts, showcasing the trust members place in us. This trust strengthens our community bond and encourages us to reinvest in innovative banking tools and enhanced security measures. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Railroad is your trusted partner. Visit us at 1808 2Nd Ave S Irondale Al 35210 or call (205) 956-0678 to learn more about how we can help you achieve your financial goals.

Secure Savings Options

Members' savings are secured through $26,743,548 in share certificates, offering stable and rewarding financial growth opportunities. While our total amount money market shares stands at $0, we prioritize your savings by providing attractive options tailored to your needs.

Strong Financial Health

With a net worth of $13,873,435, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,352 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Supporting Your Financial Goals

With $333 in used auto loans and $13,955,870 in total loans and leases, our lending capacity supports members' financial goals across various sectors. We take pride in having 8 full-time employees ready to serve you with knowledge and commitment.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $5,143,837 in used vehicle loans and $3,787,582 in new vehicle loans already helping members get on the road. We provide financing options that make it easy for you to drive away in the vehicle you want.

Credit Lines and Other Financing Options

In addition to auto and mortgage loans, we provide credit lines totaling $2,000,000, giving you access to funds when you need them most. This flexibility allows you to handle unexpected expenses without stress. If you're considering refinancing any of your existing loans or would like more information about eligibility options, our team is ready to assist you with personalized advice tailored to your financial situation. To learn more about our loan offerings or how we can help you achieve your financial goals, feel free to reach out at (205) 956-0678 or visit us at our branch located at 1808 2Nd Ave S Irondale Al 35210 in Irondale, AL. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. We look forward to helping you secure the financing that fits your needs!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $21,642, make buying or refinancing simple. Whether you're a first-time homebuyer or looking to refinance your existing mortgage, we're here to guide you through the process.

Unsecured Credit Card Loans

Managing day-to-day expenses can be challenging. We also offer flexible terms on unsecured credit card loans, with a total of $461,072 in loans helping members manage their finances effectively. These cards come with competitive rates and benefits designed to fit your lifestyle.

Loan Aggregator

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Ensuring Accurate Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov ). This commitment to accuracy ensures that users receive fair and transparent offers. Each loan option is thoroughly vetted, allowing potential borrowers to trust that they are viewing legitimate and competitive rates.

RAILROAD CREDIT UNION - Irondale, AL