Railroad

irondale, Alabama
Last verified: July 9, 2026

As of July 9, 2026, Railroad offers a cd_24mo mortgage at 3.045% APR (3% rate, 0 points). Auto loans available from 5% APR. Personal loan rates from 1.5% APR.

Source: RateAPI.dev, verified from Railroad's official website

Mortgage Rates

Rates as of July 9, 2026

cd_24mo
3.045% APR
Rate3.000%
Points0
24 Month Certificate
cd_30mo
3.045% APR
Rate3.000%
Points0
30 Month Certificate
cd_36mo
3.045% APR
Rate3.000%
Points0
36 Month Certificate
cd_48mo
3.045% APR
Rate3.000%
Points0
48 Month Certificate
cd_60mo
3.045% APR
Rate3.000%
Points0
60 Month Certificate
cd_18mo
3.200% APR
Rate3.150%
Points0
18 Month Certificate
cd_6mo
3.303% APR
Rate3.250%
Points0
6 Month Certificate
cd_12mo
3.769% APR
Rate3.700%
Points0
12 Month Certificate

Auto Loan Rates

Rates as of July 9, 2026

auto_used
5.000% APR
Rate5.000%
Used car / truck purchase
auto_any
6.000% APR
Rate6.000%
New/Used street motorcycle 500cc>
auto_any
6.450% APR
Rate6.450%
New/Used boat
auto_any
6.500% APR
Rate6.500%
New/Used boats
auto_used
6.750% APR
Rate6.750%
Used street motorcycle 500cc>
auto_used
7.000% APR
Rate7.000%
Used boat purchase
auto_new
7.250% APR
Rate7.250%
New RVs
auto_used
7.750% APR
Rate7.750%
Used RVs
credit_card
8.990% APR
Rate8.990%
Visa Classic
auto_new
9.250% APR
Rate9.250%
New ATV/ personal watercraft / off-road motorcycle
auto_used
9.250% APR
Rate9.250%
Used ATV/ personal watercraft / off-road motorcycle

Personal Loan Rates

Rates as of July 9, 2026

personal_secured
1.500% APR
Rate1.500%
Certificate secured loans
personal_secured
2.050% APR
Rate2.050%
Share secured, variable rate
personal_secured
2.550% APR
Rate2.550%
Share secured, fixed rate
personal_unsecured
9.990% APR
Rate9.990%
Unsecured loan

Frequently Asked Questions

What rates does Railroad offer?

Railroad currently offers mortgage, auto loan, and personal loan rates. The rates shown on this page were last verified July 9, 2026 directly from the credit union's official website.

How often are Railroad rates updated?

RateAPI verifies Railroad's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified July 9, 2026.

Where does RateAPI get Railroad's rate data?

Rate data is collected directly from Railroad's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.

What is Railroad's mortgage rate?

As of July 9, 2026, Railroad offers a cd_24mo mortgage at 3.045% APR.

What is Railroad's auto loan rate?

As of July 9, 2026, Railroad offers auto loans from 5% APR.

Related Rate Data

Compare Railroad's rates against national credit-union benchmarks.

Source Information

Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.

View Original Source

Methodology

Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives.

View Methodology

Use it via API

Access this data programmatically with our REST API

terminal
# Get rates for Railroad
curl "https://api.rateapi.dev/credit-unions/alabama/railroad" \
  -H "Authorization: Bearer YOUR_API_KEY"