Overview / Commentary
208-232-5746
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 2,144th largest credit union in the nation. It was established in 1935 and as of December of 2018, it had grown to 20 employees and 9,320 members at 2 locations. Rails West Federal Credit Union's CD rates are 11% higher than the national average, and it 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.
See current membership details

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Reviews (1)

RAILS WEST DERAILS

Posted by: refarns71 | Jan 14, 2019

RailsWest has become like a bank with its predatory application of transaction processing order. I have not had a single teller able to tell me the daily process order for transactions. Most banks it is largest to smallest without concern if it is a debit or credit., Granted some will do debit first then credit, but to not know, and worse yet, to seemingly change based on what will generate the greatest fees is disconcerting. I have had issues with them forcing he waiving of Reg CC rules in order to use their remote deposit feature then placing holds on those funds that rival the 60's in duration.
Their website is either deliberately misleading or never updated. In the FAQ it says they Follow Regulation CC guidelines for Remote Deposit, but the actually policy states quite the opposite. However, they can not even stay consistent with complying with what is within their official policy.
Two words.... SEEK ANOTHER, (Lender, Check account provider, savings provider, financial service provider)
Just SEEK ANOTHER!



Health
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
Employees20
Primary Regulator
Profit Margin
Return on Assets - YTD0.9%
Return on Equity - YTD10.08%
Annual Interest Income$2.3MM
Assets and Liabilities
AssetsQ4 2018vs Q4 2017$59.3MM$58.1MM
LoansQ4 2018vs Q4 2017$43.9MM$43.7MM
DepositsQ4 2018vs Q4 2017$52.9MM$52.2MM
Equity CapitalQ4 2018vs Q4 2017$5.2MM$4.7MM
Loan Loss AllowanceQ4 2018vs Q4 2017$201.00K$213.00K
Unbacked Noncurrent LoansQ4 2018vs Q4 2017$620.00K$779.00K
Real Estate OwnedQ4 2018vs Q4 2017$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
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

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
1.80%$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)
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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