3710 50TH ST N
Tampa, FL 33619

Notable Rates APY Vs.Others
Savings 0.15% 2.20% →
1-Year CD 1.40% 2.20% →
2-Year CD 1.65% 2.20% →
5-Year CD 2.30% 2.60% →
30-Year Mortgage N.A. 3.31% →
15-Year Mortgage N.A. 2.77% →
HELOC N.A. 4.00% →

2020 Overview

General Credit Union Information

Railroad & Industrial is an NCUA insured institution located in Tampa, FL. It was founded in 1935 and has approximately $354.83 millions in assets.

Who can join?

Membership in Railroad & Industrial Federal Credit Union is open to the following individuals:

Employees or retirees of CSX Railroad
Employees or members of Railroad & Industrial Company Groups
Family members of current member-owners in good standing

NCUA Insured Yes
Charter Number # # 24703
Date Established 1935
Assets $354.83 million
Loans $170.46 million
Deposits $306.59 million
Capital $44.44 million

Field of Membership Restrictions

Must be an employee or retiree of CSX Railroad or be an employee or member of one of the several Railroad & Industrial Company Groups. Family members of current member-owners in good standing

Deposit Rates - February 20, 2020

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Money Market
0.35% $2,000 $9,999 Learn MoreShow Less
Money Market
0.40% $10,000 $24,999 Learn MoreShow Less
Money Market
0.50% $25,000 $49,999 Learn MoreShow Less
Fixed IRA
1.40% $500 $99,999 Learn MoreShow Less
CD Rates (Share Certificate Rates) APY MIN MAX
1.05% $500 $99,999 Learn MoreShow Less
12 Mo CD
1.40% $500 $99,999 Learn MoreShow Less
18 Mo CD
1.55% $500 $99,999 Learn MoreShow Less
24 Mo CD
1.65% $500 $99,999 Learn MoreShow Less
1.90% $500 $99,999 Learn MoreShow Less
2.05% $500 $99,999 Learn MoreShow Less
2.30% $500 $99,999 Learn MoreShow Less
Variable IRA Rates APY MIN MAX
0.35% $5 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.10% $4,000 - Learn MoreShow Less

Loan Rates - February 20, 2020

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for RAILROAD & INDUSTRIAL

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Learn More
Rocket Mortgage
NMLS ID: 3030
4.668% 4.625% 0.00 $1,250 $1,286 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
4.919% 4.875% 0.00 $1,250 $1,324 Learn More
NMLS ID: 2890
License#: MC-3098
3.375% 3.375% 0.00 ($22) $1,106 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Figure Home Equity Line
Figure Home Equity Line
0.000 %
$0 Learn More
More Info
Bethpage Federal Credit Union
Bethpage Federal Credit Union
Intro APR
3.990 %
After Intro: 5.000 %
Intro Period: 12 months
$25,000 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
3.740 %
$0 Learn More
More Info

To upload and update your bank's rates please register. It is free to register and add rates.


Below are Railroad & Industrial branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:

Railroad & Industrial Locations

Financial Details

Railroad & Industrial Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Railroad & Industrial. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
Railroad & Industrial U.S. Average
2.72% 5.86

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of June 30, 2019, Railroad & Industrial had $1,195,059 in non-current loans and $45,735 in owned assets. To cover these potential losses it had $44,435,393 in net worth and $1,240,333 in loans loss reserves. That gives it a Texas Ratio of 2.72%.

Net Worth
Railroad & Industrial U.S. Average
12.95% 13.65%

Railroad & Industrial FCU has a net worth of 12.95% versus the BestCashCow average of 13.65. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About Railroad & Industrial

Branches and Savings

What is Railroad & Industrial?

A federal credit union, registered with the NCUA under certificate #24703.
Learn more about credit unions here.

Is Railroad & Industrial FDIC insured?

No, credit unions are not insured by the FDIC. They are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance.

Who can join Railroad & Industrial?

Please see Field of Membership information above for information on who is eligible to join.

What are Railroad & Industrial's share account and share certificate rates?

Railroad & Industrial's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is Railroad & Industrial?

Railroad & Industrial has total capital of $44.44 million. Full information on Railroad & Industrial's financial position is located above.

Who owns Railroad & Industrial?

Credit Unions are owned by their members.

Where are Railroad & Industrial branches located?

See branch locations nearby.

Are Railroad & Industrial ATMs Open 24/7?

Do Railroad & Industrial ATMs accept cash deposits?

Can Railroad & Industrial customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Railroad & Industrial have a mobile app?

Does Railroad & Industrial have mobile deposit?

Does Railroad & Industrial have quick pay?

How can Railroad & Industrial transfer money to other banks or credit unions?

Does Railroad & Industrial report to credit bureaus?

Does Railroad & Industrial use Chexsystems?

Does Railroad & Industrial use Equifax?

What is Railroad & Industrial's toll free phone number?

What is Railroad & Industrial's ACH Routing Number?

What is Railroad & Industrial's SWIFT code?

Where can I find Railroad & Industrial's wire transfer form?

What is the Railroad & Industrial address for deposits?

What Products Does Railroad & Industrial Offer

Does Railroad & Industrial offer mortgages?

Compare mortgage rates here.

Does Railroad & Industrial offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Railroad & Industrial offer auto and RV loans?

Compare auto loan rates here.

Does Railroad & Industrial offer student loans or personal loans?

Compare personal loan rates here.

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