Credit union · NCUA insured
Rails West Federal Credit Union Savings Rates
Rails West Federal Credit Union’s best savings rate is 0.25% APY on $10,000, with its Money Market. Rates checked October 22, 2026.
How Rails West Federal Credit Union’s savings 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
0.25%APY
- Minimum
- —
- Earns on $10,000 a year
- $25
Money Market
Top rate
WaFd Bank
3.82%APY
- Minimum
- $0
- Earns on $10,000 a year
- $382
2nd-highest rate
ICCU
3.40%APY
- Minimum
- $1,000
- Earns on $10,000 a year
- $340
Rails West Federal Credit Union savings score
71
Savings score
Higher than 29% of U.S. banks and credit unions
- $1,000 balance$1,0000.25%
- $10,000 balance$10,0000.25%
- $100,000 balance$100,0000.25%
- QualifiedQualified0.25%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Roll-Up Rewards
5.17%APY
Each time debit card is used, money is automatically rounded up and placed in the savings account.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0Dividends paid monthly.Over $0 | 5.17% | $517 | Dividends paid monthly. |
Money Market
0.25%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upDividends paid monthly.$5 and up | 0.25% | $25 | Dividends paid monthly. |
Auxiliary Shares
0.05%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upDividends paid monthly.$5 and up | 0.05% | $5 | Dividends paid monthly. |
Sources (1)
- railswestcu.org/savings-rates · captured Oct 3, 2026
Basic Savings
0.05%APY
A Basic Savings account to get membership underway.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upDividends paid monthly.$5 and up | 0.05% | $5 | Dividends paid monthly. |
Special-purpose accounts
Golden Age Savings
0.05%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upDividends paid monthly.$5 and up | 0.05% | $5 | Dividends paid monthly. |
Sources (1)
- railswestcu.org/savings-rates · captured Oct 3, 2026
Youth Savings
0.05%APY
A savings program designed to provide incentives for younger savers.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upDividends paid monthly.$5 and up | 0.05% | $5 | Dividends paid monthly. |
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.