Overview / Commentary
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 2,155th largest credit union in the nation. It was established in 1935 and as of June of 2018, it had grown to 24 employees and 9,471 members at 2 locations. Rails West Federal Credit Union's CD rates are 11% higher than the national average, and it 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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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 - YTD0.52%
Return on Equity - YTD6.37%
Annual Interest Income$1.1MM
Assets and Liabilities
AssetsQ2 2018vs Q2 2017$59.8MM$58.8MM
LoansQ2 2018vs Q2 2017$43.5MM$42.9MM
DepositsQ2 2018vs Q2 2017$53.3MM$53.0MM
Equity CapitalQ2 2018vs Q2 2017$4.9MM$4.6MM
Loan Loss AllowanceQ2 2018vs Q2 2017$227.00K$188.00K
Unbacked Noncurrent LoansQ2 2018vs Q2 2017$651.00K$648.00K
Real Estate OwnedQ2 2018vs Q2 2017$0$0
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Rails West Federal Credit Union Savings Account Rates

0.15%$5-IRA Savings
0.10%$5-Share Savings
0.10%$5-Young Conductors
0.10%$5-Golden Age Savings
0.10%$1-Christmas Club
0.10%$1-Secondary Shares

Rails West Federal Credit Union Money Market Rates

0.11%$2k-Money Market

Rails West Federal Credit Union Checking Account Rates

0.00%$500-Free Checking
0.00%$500-Golden Age Checking

Rails West Federal Credit Union CD Rates

2.10%$1k-5 Year Share Certificate
2.00%$1k-4 Year Share Certificate
1.80%$1k-3 Year Share Certificate
1.50%$1k-2 Year Share Certificate
1.00%$100-Youth 120 Day Time Share (Share 77)
1.00%$1k-1 Year Share Certificate
0.25%$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)

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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