Rails West Federal Credit Union
LOCATIONS
2
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HEALTH RATING
B
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CURRENT TOP RATE
1.00% APY
120 Day Time Share (Share 77)
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Popular Accounts at this Credit Union
| APY | ACCOUNT TYPE | ACCOUNT NAME |
|---|---|---|
| 0.15% | 1-year CD | 1 Year CD 1.05% - Ally Bank High Yield 12-Month CD |
| 0.10% | Savings | Secondary Shares 1.00% - Ally Bank Online Savings Account |
| 0.55% | 2-year CD | 2 Year CD |
Overview / Commentary
Rails West Federal Credit Union is headquartered in Chubbuck and is the 19th largest credit union in the state of Idaho. It is also the 2,164th largest credit union in the nation. It was established in 1935 and as of June of 2016, it had grown to 25 employees and 9,668 members at 2 locations. Rails West Federal Credit Union has a B 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 other select are organizations.
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Health
B
Data as of Q2 2016
Learn more about bank healthAdditional 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 Chartered | 1935 |
| Employees | 25 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.15% |
| Return on Equity - YTD | 1.95% |
| Annual Interest Income | $1.1MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q2 2016vs Q2 2015 | $57.3MM$55.7MM |
| Loans | Q2 2016vs Q2 2015 | $42.2MM$44.3MM |
| Deposits | Q2 2016vs Q2 2015 | $52.0MM$50.5MM |
| Equity Capital | Q2 2016vs Q2 2015 | $4.4MM$4.3MM |
| Loan Loss Allowance | Q2 2016vs Q2 2015 | $192.00K$210.00K |
| Unbacked Noncurrent Loans | Q2 2016vs Q2 2015 | $424.00K$227.00K |
| Real Estate Owned | Q2 2016vs Q2 2015 | $0$0 |
Rates
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Rails West Federal Credit Union Savings Account Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 0.15% | $25 | - | IRA Savings | |
| 0.10% | $25 | - | Share Savings | |
| 0.10% | - | - | Young Conductors | |
| 0.10% | $25 | - | Golden Age Savings | |
| 0.10% | - | - | Christmas Club | |
| 0.10% | - | - | Secondary Shares |
Rails West Federal Credit Union Money Market Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 0.11% | $2k | - | Money Market Account |
Rails West Federal Credit Union Checking Account Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 0.00% | $500 | - | Free Checking | |
| 0.00% | $500 | - | Golden Age Checking |
Rails West Federal Credit Union CD Rates
Locations
| Rails West Federal Credit Union Locations | ||
|---|---|---|
| Branch Office | 4708 Yellowstone Ave | Chubbuck, ID 83202-2336 |
| Branch Office | 216 W Whitman St | Pocatello, ID 83204-3367 |