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Rails West Credit Union

Overview
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Rails West Credit Union is a federal credit union based in Pocatello, Idaho. It has been opened since 1935, for 85 years.

With around $59,330,000 in assets, Rails West Credit Union is considered to be a large credit union. It has 2 branches and 2 ATM locations.

About
Address Po Box 1450
Pocatello, Idaho 83204
Website http://www.railswestcu.org
Phone (208) 232-5746
Fax (208) 234-8640
CEO Richard Ely
President of the Board Jon Lamb
Services Offered
Map
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Score Card
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85 years
Years in business
Opened in 1935
Well Capitalized
Net worth classification
Source: NCUA
9,320 members
Membership type: Multiple common bond – primary transportation
Above average number of members
466:1
Credit union member to staff ratio
466 per each FTE employee
Compared to 411:1 nationally
Fewer staff
$59,327,299
Total assets
Above average
2 branches
Compared with an average of 4 nationally and 5 in Idaho
Above average number of branches
0.12%
Savings interest rate
Compared to 0.3% nationally
9.35%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
Branches
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2 branches
Compared with an average of 4 nationally and 5 in Idaho
Above average number of branches
Rails West Credit Union Branch Locations

Rails West Credit Union: Chubbuck Office
4708 Yellowstone Avenue
Chubbuck, Idaho 83202
ATM Available
Rails West Credit Union: Old Town Branch
216 W. Whitman Street
Pocatello, Idaho 83204
ATM Available
Members
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9,320 members
Membership type: Multiple common bond – primary transportation
Above average number of members

With 9,320 members, the Rails West Credit Union is considered to be a large credit union. It is larger than 69% of credit unions.

Fees
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$60
Average fee per member
The average fee per member at the Rails West Credit Union is $60, which is comparable to most credit unions. This rate is lower than 40% of all credit unions.
Fees are average

Credit unions, like banks, charge members various fees, such as overdraft fees, ATM fees, credit card fees, inactivity or dormat account fees, and more.

The average fee per member gives you a general sense of how much you might pay in fees as a member of the Rails West Credit Union. Some credit unions tend to charge more fees, while others charge less.

Staff
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466:1
Credit union member to staff ratio
466 per each FTE employee
Compared to 411:1 nationally
Fewer staff
20 staff members
FTE (full-time equivalent)
0% of employees are part-time
20 full-time, 0 part-time

Rails West Credit Union has 20 full-time staff members and 0 part-time staff members.

The number of members relative to staff members is an indication of how well staffed the credit union is. Rails West Credit Union has around 466 members per staff, a higher ratio compared to other credit unions.

Assets
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$59,327,299
Total assets
Above average
Net worth
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Well Capitalized
Net worth classification
Source: NCUA
A well capitalized credit union has a net worth ratio of 7% or greater and also meets applicable risk-based net worth requirements, according to the National Credit Union Administration.
8.8%
Net worth ratio
A higher net worth ratio is better.
Compared to an average of 13.6% nationally

A credit union's net worth ratio is one of the most important metrics you should consider when deciding whether to join a credit union. Why? It's a measure of financial strength

The net worth ratio is equal to a credit union's net worth divided by its assets. According to the National Credit Union Administration, a minimum net worth ratio of 7% is required to be considered to be a well capitalized credit union.

Loans & leases
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$8,495
Average loan and lease size
Loan & lease sizes are small. They are smaller than at 65% of credit unions.

Rails West Credit Union holds a total of $43,850,000 in loans and leases, which is about $8,495 per member on average.

Savings interest rate
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0.12%
Savings interest rate
Compared to 0.3% nationally

A credit union share account is an account at a credit union. It's called a share account because the credit union is member owned and as a result, members own shares in the credit union.

A share savings account pays you interest on your savings, similar to a savings account at a bank. The interest you receive can vary. Rails West Credit Union pays 0.12%.

Loan rates
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9.35%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
12.46%
Unsecured non-credit card loan interest rate
Compared to 11.2% nationally
5.62%
Other secured non-real estate loans and lines of credit interest rate
Compared to 5.3% nationally
Car loan rates
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3.48%
New car loan rate
Compared to 4.0% nationally
5.60%
Used car loan rate
Compared to 5.2% nationally
Mortgage rates
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5.10%
Mortgage rate (secured by junior lien)
Compared to 3.4% nationally
4.39%
Mortgage rate (secured by 1st lien)
Compared to 3.3% nationally
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