Chartered in 1956
Not for profit, not for charity, but for service.
We were chartered to serve the employees of the Southern Railway System at Norris Yard. Seventy years on, we still operate with a small staff dedicated to helping members.
Check your rate
- New / used auto, 48 mo
- 4.50%APR*
- 12 month certificate
- 4.081%APY*
- Regular shares
- 0.602%APY*
*APY = as high as | APR = as low as
All rates & termsProducts & services
Personalized service, high deposit rates, competitive loan rates
Share accounts
A $25 opening balance establishes you as a member. Dividends paid monthly, no service fee.
Classic & Crescent checking
New programTwo checking accounts. Pick the one that fits how you bank.
Auto loans
True dealer cost figures and NADA values on used cars and trucks.
Railroad CCU Visa
Low annual percentage rate, no annual fee, 25-day grace period.
Today's rates
Our returns are consistently among the highest in the community
- Regular shares
As high as
0.602%APY
Compounded monthly
- Regular IRA shares
As high as
0.853%APY
Compounded monthly
- 12 month certificateBest rate
As high as
4.081%APY
$1,000 minimum
Compounded daily
- New / used auto, 48 moLowest
As low as
4.50%APR
48 months
- Visa Classic
As low as
8.99%APR
Revolving
- New / used boat, 60 mo
As low as
6.45%APR
60 months
Rates effective May 1, 2026 and subject to change.
Who can join
Membership is closer than you think
Our 2017 move to a state charter opened membership beyond our original employer groups, without denying access to the employers who have been with us all along.
Check your eligibility- I work for Norfolk Southern Railroad — Irondale, Alabama
- I am a family member of an eligible employee — Spouse, child, parent, sibling or grandparent
- I work for the City of Irondale or Morris Shea Bridge — Employees and their family members
- I live or work in an eligible county — Jefferson, St. Clair, Shelby, Tuscaloosa, Blount or Walker