Credit union · NCUA insured
Rails West Federal Credit Union
A $78.5M credit union headquartered in Chubbuck, ID, with 7,520 members and 2 branches in Idaho. Best rates: CDs 3.82% and savings 0.25% APY.
Rails West Federal Credit Union Carrot Score
64
Carrot Score
Higher than 12% of U.S. banks and credit unions
#10 of 16 in Pocatello, ID metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Rails West Federal Credit Union
Headquartered in Chubbuck, Idaho, Rails West Federal Credit Union has been serving members since 1935.
Owned and controlled by its members, it was the first credit union established in Idaho.
- Headquarters
- 4708 Yellowstone Ave, Chubbuck, ID 83202-2336
- NCUA charter
- 490
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of this credit union are eligible for membership.
- Employees of listed select employer groups and organizations are eligible for membership.
- Persons retired from the listed employers are eligible for membership.
Family and household
- Members of the families of eligible persons from the listed employers are eligible for membership.
- Spouses of persons who died while within the field of membership of this credit union are eligible for membership.
Other ways
- Individuals who join the Bannock Humane Society with a $20 donation are eligible for membership.
Cost to join
- A $20 donation is required to join the Bannock Humane Society to qualify for credit union membership.
Branches
2 branches in Idaho
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Idaho
2 branches
- Chubbuck OfficeMain office4708 Yellowstone Ave, Chubbuck, ID 83202Directions
- Clark Street Branch751 E Clark St, Pocatello, ID 83201Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 11.17% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.26% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.95% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $56 | $59 | — |
- CapitalNet worth ratio11.17%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.26%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.95%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$56Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Rails West Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.