Rails West Federal Credit Union

Overview / Commentary
4708 Yellowstone Ave
Chubbuck, ID 83202

Rails West Federal Credit Union is headquartered in Chubbuck and is the 18th largest credit union in the state of Idaho. It is also the 2,120th largest credit union in the nation. It was established in 1935 and as of December of 2023, it had grown to 21 employees and 7,971 members at 2 locations. Rails West Federal Credit Union's CD rates are 3X the national average, and it has a B health rating.

Field of Membership Restrictions

Membership in Rails West Federal Credit Union is open to anyone through making a $20 donation to join the Bannock Humane Society. Membership is also open to employees and members of Belmont Care Center, Forced Air Systems, KPKY Radio, and over 50 area select organizations.
See current membership details

Reviews (1)


Posted by: |

RailsWest has become like a bank with its predatory application of transaction processing order. I have not had a single teller able to tell me the daily process order for transactions. Most banks it is largest to smallest without concern if it is a debit or credit., Granted some will do debit first then credit, but to not know, and worse yet, to seemingly change based on what will generate the greatest fees is disconcerting. I have had issues with them forcing he waiving of Reg CC rules in order to use their remote deposit feature then placing holds on those funds that rival the 60's in duration.
Their website is either deliberately misleading or never updated. In the FAQ it says they Follow Regulation CC guidelines for Remote Deposit, but the actually policy states quite the opposite. However, they can not even stay consistent with complying with what is within their official policy.
Two words.... SEEK ANOTHER, (Lender, Check account provider, savings provider, financial service provider)

Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Rails West Federal Credit Union has a relatively low asset base.

Health Grade Components

NCUA #490
Year Chartered1935
Primary Regulator
Profit Margin
Return on Assets - YTD0.86%
Return on Equity - YTD9.17%
Annual Interest Income$2.9MM
Assets and Liabilities
AssetsQ4 2023vs Q4 2022$73.1MM$78MM
LoansQ4 2023vs Q4 2022$42MM$41.4MM
DepositsQ4 2023vs Q4 2022$64.7MM$70.6MM
Equity CapitalQ4 2023vs Q4 2022$6.9MM$6.2MM
Loan Loss AllowanceQ4 2023vs Q4 2022$185K$188K
Unbacked Noncurrent LoansQ4 2023vs Q4 2022$382K$200K
Real Estate OwnedQ4 2023vs Q4 2022$0$0
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Rails West Federal Credit Union Savings Account Rates

5.17%--Roll-up Rewards Savings
0.15%$5-IRA Savings
0.15%$5-Roth IRA Savings
0.05%$5-Share Savings
0.05%$5-Young Savings
0.05%$5-Golden Age Savings
0.05%$5-Auxillary Shares

Rails West Federal Credit Union Money Market Rates

0.25%$5-Money Market

Rails West Federal Credit Union CD Rates

3.04%$1k-12 Month Share Certificate
1.26%$1k-24 Month Share Certificate
1.26%$1k-36 Month Share Certificate
0.40%$1k-48 Month Share Certificate
0.40%$1k-60 Month Share Certificate
0.15%$1k-120 Day Time Share (Share 72)
0.15%$100-Youth 120 Day Time Share (Share 77)

Rails West Federal Credit Union IRA Rates

3.04%$1k-12 Month Traditional IRA
3.04%$1k-12 Month Roth IRA
1.26%$1k-24 Month Traditional IRA
1.26%$1k-36 Month Traditional IRA
1.26%$1k-24 Month Roth IRA
1.26%$1k-36 Month Roth IRA
0.40%$1k-48 Month Traditional IRA
0.40%$1k-60 Month Traditional IRA
0.40%$1k-48 Month Roth IRA
0.40%$1k-60 Month Roth IRA

Rails West Federal Credit Union Locations
Branch Office4708 Yellowstone AveChubbuck, ID 83202-2336
Branch Office751 E Clark StPocatello, ID 83201-6238

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