Rails West

Po Box 1450
Pocatello, ID 83204


General Credit Union Information

NCUA Insured Yes
Charter Number # # 490
Date Established 1935
Assets $58.50 million
Loans $43.40 million
Deposits $52.70 million
Capital $4.67 million

Rails West is an NCUA insured institution located in Pocatello, ID. It was founded in 1935 and has approximately $58.5 millions in assets.

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.

Deposit Rates

Your Current Location: Virginia, VA 20146

We do not yet have rates for Rails West

We're working to get deposit rates for every credit union in the world. Please bare with us until we are able to get rates for this credit union.

Back to Rails West

Note to Rails West
To upload and update your credit union's rates please register. It is free to register and add rates.

There are currently no rates available for Rails West, but see these great savings and CD rates:

1.55% APY High Yield Savings from Synchrony Bank
1.95% APY 12 Month CD from Synchrony Bank

Loan Rates

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for RAILS WEST

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2018

Lender APR Rate (%) Points Fees Monthly
Learn More
Flagstar Bank, FSB
NMLS ID: 417490
4.553% 4.500% 0.25 $1,548 $1,267 Learn More
PenFed Credit Union
NMLS ID: 401822
4.459% 4.375% 0.00 $2,500 $1,249 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
5.040% 4.990% 0.25 $1,424 $1,341 Learn More
Rocket Mortgage
NMLS ID: 3030
5.040% 4.990% 0.25 $1,424 $1,341 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2018

Lender Rate (%) Monthly Payment Learn More
Third Federal Savings & Loan Assoc. of Cleveland 3.740% $231.27 Learn More
Flagstar Bank 5.240% $275.79 Learn More

To upload and update your bank's rates please register. It is free to register and add rates.


Below are Rails West branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:

Rails West Locations

Financial Details

Rails West Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Rails West. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
Rails West U.S. Average
9.62% 7.77

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of September 30, 2017, Rails West had $394,471 in non-current loans and $72,081 in owned assets. To cover these potential losses it had $4,673,543 in net worth and $178,088 in loans loss reserves. That gives it a Texas Ratio of 9.62%.

Net Worth
Rails West U.S. Average
7.98% 13.15%

Rails West FCU has a net worth of 7.98% versus the BestCashCow average of 13.15. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions On Rails West

What is Rails West?

A federal credit union, registered with the NCUA under certificate #490.
Learn more about credit unions here.

Is Rails West FDIC insured?

No, credit unions are not insured by the FDIC. They are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance.

Who can join Rails West?

Please see Field of Membership information above for information on who is eligible to join.

What are Rails West's share account and share certificate rates?

Rails West's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is Rails West?

Rails West has total capital of $4.67 million. Full information on Rails West's financial position is located above.

Who owns Rails West?

Credit Unions are owned by their members.

Where are Rails West branches located?

See branch locations nearby.

Are Rails West ATMs Open 24/7?

Do Rails West ATMs accept cash deposits?

Can Rails West customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Rails West have a mobile app?

Does Rails West have mobile deposit?

Does Rails West have quick pay?

How can Rails West transfer money to other banks or credit unions?

Does Rails West report to credit bureaus?

Does Rails West use Chexsystems?

Does Rails West use Equifax?

What is Rails West's toll free phone number?

What is Rails West's ACH Routing Number?

What is Rails West's SWIFT code?

Where can I find Rails West's wire transfer form?

What is the Rails West address for deposits?

What Products Does Rails West Offer

Does Rails West offer mortgages?

Compare mortgage rates here.

Does Rails West offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Rails West offer auto and RV loans?

Compare auto loan rates here.

Does Rails West offer student loans or personal loans?

Compare personal loan rates here.

Customer Reviews for Rails West

There are currently no comments for Rails West. Be the first to share your experience. Please provide comments that will help others.

Add Your Review

Rate it here →