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Rails West Federal Credit Union

Popular Accounts at this Credit Union

APYACCOUNT TYPEACCOUNT NAME
2.10%5-year CD5 Year Share Certificate
2.50% - Ally Bank High Yield 5 Year CDAdvertisement
0.60%1-year CD1 Year Share Certificate
2.10% - Goldman Sachs Bank USA High-yield 12 Month CDAdvertisement
0.10%SavingsSecondary Shares
1.30% - Nationwide Bank Online Savings Account
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Overview / Commentary
www.railswestcu.org
208-232-5746
4708 Yellowstone Ave
Chubbuck, ID 83202-2336

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 2,160th largest credit union in the nation. It was established in 1935 and as of December of 2017, it had grown to 24 employees and 9,496 members at 2 locations. Rails West Federal Credit Union has a C health rating.

Field of Membership Restrictions

Membership 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

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Health
C

Data as of Q4 2017

Learn why bank health matters
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

Overall
NCUA #490
Year Chartered1935
Employees24
Primary Regulator
Profit Margin
Return on Assets - YTD0.27%
Return on Equity - YTD3.29%
Annual Interest Income$2.2MM
Assets and Liabilities
AssetsQ4 2017vs Q4 2016$58.1MM$59.9MM
LoansQ4 2017vs Q4 2016$43.7MM$42.4MM
DepositsQ4 2017vs Q4 2016$52.2MM$53.9MM
Equity CapitalQ4 2017vs Q4 2016$4.7MM$4.6MM
Loan Loss AllowanceQ4 2017vs Q4 2016$213.00K$162.00K
Unbacked Noncurrent LoansQ4 2017vs Q4 2016$779.00K$405.00K
Real Estate OwnedQ4 2017vs Q4 2016$0$0
Rates
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Rails West Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.15%--IRA Savings
0.10%--Share Savings
0.10%--Young Conductors
0.10%--Golden Age Savings
0.10%--Christmas Club
0.10%--Secondary Shares

Rails West Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.11%$2k-Money Market

Rails West Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.00%$500-Free Checking
0.00%$500-Golden Age Checking

Rails West Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.10%$1k-5 Year Share Certificate
2.00%$1k-4 Year Share Certificate
1.20%$1k-3 Year Share Certificate
1.00%$100-120 Day Time Share (Share 77)
1.00%$1k-2 Year Share Certificate
0.60%$1k-1 Year Share Certificate
0.13%$1k-120 Day Time Share (Share 72)
0.12%$1k-90 Day Time Share (Share 71)
0.11%$1k-60 Day Time Share (Share 70)
Locations


Rails West Federal Credit Union Locations
Branch Office4708 Yellowstone AveChubbuck, ID 83202-2336
Branch Office216 W Whitman StPocatello, ID 83204-3367

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