Rails West Federal Credit Union
Headquarters
Po Box 1450
Pocatello, ID 83204
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2024 Overview
General Credit Union Information
Rails West is an NCUA insured institution located in Pocatello, ID. It was founded in 1935 and has approximately $73.87 millions in assets.
| NCUA Insured | Yes / Federally Chartered |
| Charter Number # | # 490 |
| Date Established | 1935 |
| Assets | $73.87 million |
| Loans | $43.00 million |
| Deposits | $65.17 million |
| Capital | $7.24 million |
Field of Membership Restrictions
Membership is open to anyone through making a $20 donation to join the Bannock Humane Society. Membership is also open to employees and members of Belmont Care Center, Forced Air Systems, KPKY Radio, and over 50 area select organizations.
Deposit Rates - November 18, 2024
Your Current Location: Ohio, OH 43085
We do not yet have rates for Rails West
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Loan Rates - November 18, 2024
Your Current Location: Ohio, OH 43085
There are currently no loan rates available for Rails West
Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:
Featured - Ohio 30 Year Fixed Mortgage Rates 2024
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
Learn More |
|---|---|---|---|---|---|---|
NMLS ID: 2578474 |
6.596% | 6.500% | 0.63 | $3,210 | $2,023 | Learn More |
NMLS ID: 1025894 |
6.868% | 6.750% | 1.00 | $3,884 | $2,076 | Learn More |
NMLS ID: 3030 |
7.225% | 7.125% | 1.00 | $3,200 | $2,156 | Learn More |
NMLS ID: 491986 |
Learn More |
Featured - Ohio Home Equity Line Of Credit Rates 2024
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Third Federal Savings and Loan See Table |
Intro APR 7.240 % After Intro: 7.240 % |
$0 |
Learn More
More Info |
Note to Rails West
To upload and update your bank's rates please register.
It is free to register and add rates.
Branches
Below are Rails West branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.
Your Location:
Columbus,Ohio
Rails West Locations around zip code 43085
| Branch | Distance | Map | View Lobby Hours |
|---|---|---|---|
| 1573.61 | A | View Lobby Hours | |
| 1575.05 | B | View Lobby Hours |
Climate Policy and Initiatives
RAILS WEST is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
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Financial Details
Rails West Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of Rails West. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.
Texas Ratio
| Rails West | U.S. Average |
|---|---|
| 2.34% | 5.83 |
The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.
As of June 30, 2024, Rails West had $96,635 in non-current loans and $75,352 in owned assets. To cover these potential losses it had $7,238,662 in net worth and $120,961 in loans loss reserves. That gives it a Texas Ratio of 2.34%.
Net Worth
| Rails West | U.S. Average |
|---|---|
| 9.8% | 13.93% |
Rails West FCU has a net worth of 9.8% versus the BestCashCow average of 13.93. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
Customer Reviews for Rails West
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