Credit union · NCUA insured
Rails West Federal Credit Union CD Rates
Rails West Federal Credit Union’s best CD rate is 3.82% APY on a 6-month share certificate (CD). Terms run from 4 months to 5 years. Rates checked October 22, 2026.
How Rails West Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Pocatello, ID, where Rails West Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Rails West Federal Credit Union
3.82%APY
- Term
- 6 months
- Minimum
- $500
- Earns on $10,000
- $189
Share Certificate
Top rate
Mountain America Credit Union
4.50%APY
- Term
- 24 months
- Minimum
- $5
- Earns on $10,000
- $920
2nd-highest rate
The Bank of Commerce
4.30%APY
- Term
- 18 months
- Minimum
- $500
- Earns on $10,000
- $652
Rails West Federal Credit Union CD score
70
CD score
Higher than 26% of U.S. banks and credit unions
- 3–8 months3–8 mo3.82%
- 9–15 months9–15 mo2.27%
- 16–30 months16–30 mo2.02%
- 31–60 months31–60 mo1.26%
- QualifiedQualified3.82%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Rails West Federal Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Share Certificate
Up to 3.82%APY · 6 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsDividends paid monthly | 3.82% | $189 |
| 12 monthsDividends paid monthly | 2.27% | $227 |
| 24 monthsDividends paid monthly | 2.02% | $408 |
| 36 monthsDividends paid monthly | 1.26% | $383 |
| 48 monthsDividends paid monthly | 0.40% | $161 |
| 60 monthsDividends paid monthly | 0.40% | $202 |
Share 72 (120 Day)
0.15%APY · 1 term
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 4 monthsDividends paid monthly | 0.15% | $5 |
Sources (1)
- railswestcu.org/savings-rates · captured Sep 16, 2026
Special-purpose accounts
Share 77 (120 Day)
0.15%APY · 1 term
Youth Account, must be age 17 or under
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 4 monthsYouth Account, must be age 17 or under; Dividends paid monthly | 0.15% | $5 |
Sources (1)
- railswestcu.org/savings-rates · captured Sep 16, 2026
Who can join Rails West Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.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.
Membership information collected October 4, 2026.