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Overview / Commentary
4708 Yellowstone Ave
Chubbuck, ID 83202-2336

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 2,126th largest credit union in the nation. It was established in 1935 and as of December of 2016, it had grown to 25 employees and 9,582 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 Belmont Care Center, Forced Air Systems, KPKY Radio, and over 50 area select organizations.
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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 - YTD0.33%
Return on Equity - YTD4.22%
Annual Interest Income$2.2MM
Assets and Liabilities
AssetsQ4 2016vs Q4 2015$59.9MM$56.6MM
LoansQ4 2016vs Q4 2015$42.4MM$42.7MM
DepositsQ4 2016vs Q4 2015$53.9MM$51.6MM
Equity CapitalQ4 2016vs Q4 2015$4.6MM$4.4MM
Loan Loss AllowanceQ4 2016vs Q4 2015$162.00K$239.00K
Unbacked Noncurrent LoansQ4 2016vs Q4 2015$405.00K$385.00K
Real Estate OwnedQ4 2016vs Q4 2015$0$0
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Rails West Federal Credit Union Savings Account Rates

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

0.11%$2k-Money Market Account

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

1.00%$100-120 Day Time Share (Share 77)
0.55%$1k-2 Year CD
0.15%$1k-1 Year CD
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)

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