Rails West Federal Credit Union Rates and Review January 2026
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Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Compare Rails West Federal Credit Union CD rates to other credit union and bank CD rates by searching our comprehensive rate tables. You can do side-by-side comparisons of Rails West Federal Credit Union savings rates, CD rates and money market rates, with rates from other banks and credit unions below. You can also compare loan rates, including mortgage rates, personal loan rates and credit card rates. Rate Updates and AvailabilityRails West Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best CD rates or other rates available. Have you opened an account or have any experiences at Rails West Federal Credit Union? Share your experience about Rails West Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Rails West Federal Credit Union. Overall, Rails West Federal Credit Union is an excellent credit union worth considering, with an overall rating of 5 stars out of 5 stars. Current Interest RatesRate
APY/APR
vs Avg
"N/A" indicates the product is not offered or the rate is unavailable. Rails West Federal Credit Union Chubbuck Office 4708 Yellowstone Ave Chubbuck, ID 83202 2336  CD & Savings Rate ComparisonShow More
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts. Mortgage Rate ComparisonLender
Product
Rate
APR
Points
View 50 More
Credit Card Rate ComparisonEveryday Rewards+ Card Visa
19.490% - 29.740%
Earn up to 4x unlimited points AND receive a $150 bonus.
Security Service Power Rewards MasterCard
18.000%
GM Business™ Mastercard®
19.240% - 29.240%
0% Intro purchase APR for first 12 months
Show More
The credit card rates presented are solely intended for informational use. Please consult the mentioned institutions for up-to-date credit card rates. The actual credit card rates and other loan conditions depend on the institution's approval and are not guaranteed. Personal Loan Rate ComparisonPersonal Line of Credit
7.750% - 16.750%
$0
1 - 36
Credit Starter Loan
16.250%
$0
Personal Loans
11.000%
$0
37 - 60
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The personal loan rates presented are solely intended for informational use. Please consult the mentioned institutions for up-to-date personal loan rates. The actual personal loan rates and other loan conditions depend on the institution's approval and are not guaranteed. Our apologies, we do not have Rails West Federal Credit Union rate data right now. Credit Union Profile & OverviewCredit Union Name: Rails West Federal Credit Union
Website: https://www.railswestcu.org
Full Time Employees: 21Part Time Employees: 3 President: Jon Lamb CEO: Paul Contreras Branch Locations: 3 ATM Locations: 2 Corporate Office Address:
4708 Yellowstone Ave
Chubbuck, ID 83202 2336 Phone Number: 208-232-5746 Fax Number: 208-234-8640 FinancialsTotal Assets:
75,565,796
Total Amount of Shares and Deposits:
66,088,676
Total Shares and Deposits < 1 Year:
65,718,530
Total Shares and Deposits 1 3 Years:
361,278
Total Shares and Deposits > 3 Years:
8,868
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E):
1,879,687
Total Uninsured Shares and Deposits > $250K (F+J):
1,879,687
Total Insured Shares and Deposits > $250K (item 17 less item K):
64,208,989
Total Interest Expense (Sum of items 6 8):
76,378
Share Certificates:
107
Number of Accounts for Share Drafts:
4,128
IRA KEOGH Accounts:
107
Number of Accounts for Regular Shares:
8,842
Money Market Shares:
34
Total Cash on Deposit (Amounts Deposited in Financial Institutions):
3,537,552
Total Liabilities:
67,162,016
Show More
Source: NCUA Last Updated 09/30/2025
Customer ReviewsThere are no reviews for Rails West Federal Credit Union yet. Feel free to create one below.
Add Your Rating and Review for Rails West Federal Credit Union
Frequently Asked Questions About Rails West Federal Credit UnionIs a member application needed to join Rails West Federal Credit Union?Yes, to access services at Rails West Federal Credit Union, a member application is required. Is there a first-time homebuyer program?Currently, Rails West Federal Credit Union provides a range of mortgage and home equity products. Is Rails West Federal Credit Union a safe place to deposit money?Yes, Rails West Federal Credit Union is considered a safe financial institution. Your accounts are federally insured by the NCUA up to $250,000 per depositor. Does Rails West Federal Credit Union offer online and mobile banking?Most modern institutions like Rails West Federal Credit Union provide digital access including online balance checks and transfers. Compare to other Credit Unions |
12-month CD rates can be found at 3.55%, 6-month CD rates at 3.81% and 3-month CD rates at 3.80%. Savings rates are at 1.76% and money market rates are at 0.35%. Mortgage rates on 30-year fixed loans are around 5.67%. Credit Card rates are at 8.75%. Personal Loan rates are at 9.75%. All these rates, and more, can be found in our database of rates which you can compare to 
