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Rails West Federal Credit Union


Overview / Commentary
www.railswestcu.org
208-232-5746
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 2,100th largest credit union in the nation. It was established in 1935 and as of June of 2024, 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

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Health
B

Data as of Q2 2024

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
Employees21
Primary Regulator
Profit Margin
Return on Assets - YTD1.02%
Return on Equity - YTD10.46%
Annual Interest Income$1.6MM
Assets and Liabilities
AssetsQ2 2024vs Q2 2023$73.9MM$74.5MM
LoansQ2 2024vs Q2 2023$43MM$42.3MM
DepositsQ2 2024vs Q2 2023$65.2MM$67.1MM
Equity CapitalQ2 2024vs Q2 2023$7.2MM$6.4MM
Loan Loss AllowanceQ2 2024vs Q2 2023$188K$169K
Unbacked Noncurrent LoansQ2 2024vs Q2 2023$404K$71K
Real Estate OwnedQ2 2024vs Q2 2023$0$0
Rates
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Always verify rates and promotions with the bank or credit union. We are not Rails West Federal Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

Rails West Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
5.17%$0-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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%$5-Money Market

Rails West Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.53%$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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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
Locations


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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