--- title: "Rails West Credit Union Rates - Idaho" description: "Current savings & cd rates from Rails West Credit Union in Idaho. Updated daily with source verification. See who can join Rails West Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/idaho/rails-west" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Rails West Credit Union Rates - Idaho ### Savings & CD rates 13 offers | Product | Published | Rate | Term / condition | Status | | **Golden Age Savings** savings | — APY | 0.05% | — | Context only | | **Savings** share_savings | — APY | 0.05% | — | Context only | | **Share** savings | — APY | 0.15% | — | Context only | | **Money Market** money_market | — APY | 0.25% | — | Context only | | **60-Month Certificate** cd_60mo | — APY | 0.40% | 60 mo | Standard | | **48-Month Certificate** cd_48mo | — APY | 0.40% | 48 mo | Standard | | **36-Month Certificate** cd_36mo | — APY | 1.26% | 36 mo | Standard | | **24-Month Certificate** cd_24mo | — APY | 2.02% | 24 mo | Standard | | **12-Month Certificate** cd_12mo | — APY | 2.27% | 12 mo | Standard | | **6-Month Certificate** cd_6mo | — APY | 3.82% | 6 mo | Standard | | **72-Month Certificate** cd_72mo | — APY | 5.09% | 72 mo | Standard | | **Reward Share** savings | — APY | 5.17% | — | Context only | | **84-Month Certificate** cd_84mo | — APY | 5.49% | 84 mo | Standard | Rails West Credit Union savings & cd rates as of November 12, 2026 ### Other rates 16 offers | Product | Published | Rate | Term / condition | Status | | **Please see the credit union for discount details. (36 Months)** other | — % | 4.490% | — | Standard | | **Please see the credit union for discount details. (48 Months)** other | — % | 4.790% | — | Standard | | **Please see the credit union for discount details. (72 Months)** other | — % | 5.090% | — | Standard | | **Please see the credit union for discount details. (60 Months)** other | — % | 5.090% | — | Standard | | **Please see the credit union for discount details. (84 Months)** other | — % | 5.490% | — | Standard | | **5 Years/10 Years** other | — % | 5.750% | — | Standard | | **10 Years/ 10 Years** other | — % | 5.990% | — | Standard | | **5 Years/7 Years** other | — % | 7.740% | — | Standard | | **APR as low as 100% financing (72 Months)** other | — % | 8.040% | — | Standard | | **APR as low as 100% financing (60 Months)** other | — % | 8.040% | — | Standard | | **APR as low as 100% financing (48 Months)** other | — % | 8.040% | — | Standard | | **APR as low as 100% financing (96 Months)** other | — % | 8.040% | — | Standard | | **APR as low as 100% financing (120 Months)** other | — % | 8.040% | — | Standard | | **APR as low as 100% financing (36 Months)** other | — % | 8.040% | — | Standard | | **APR as low as 100% financing (84 Months)** other | — % | 8.040% | — | Standard | | **APR as low as 100% financing (144 Months)** other | — % | 8.840% | — | Standard | Rails West Credit Union other rates as of November 12, 2026 Rails West Credit Union is a credit union in Idaho. Rate data is being verified. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/idaho/rails-west) , verified from [Rails West Credit Union's official website](https://www.railswestcu.org/) Loading branch locator… ## About Rails West Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 7.5K Assets $78.5M Founded 1935 Locations reported 2 NCUA charter 490 Charter type Federal credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Mobile payments - Bilingual services - Credit-builder products - Payday Alternative Loans I Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Connections** Olympus · Pocatello · ID · 83201-2019 About 5.2 miles away](https://rateapi.dev/credit-unions/idaho/connections) [**Advantage Plus** Center Street · Pocatello · ID · 83201-2616 About 6.0 miles away](https://rateapi.dev/credit-unions/idaho/advantage-plus) [**Idaho Central** Member Service Center · Chubbuck · ID · 83202 About 6.3 miles away](https://rateapi.dev/credit-unions/idaho/idaho-central) [**Frontier** Pocatello · Pocatello · ID · 83202 About 6.5 miles away](https://rateapi.dev/credit-unions/idaho/frontier) [**Mountain America** 0122 Pocatello Yellowstone Ave · Pocatello · ID · 83201-4419 About 6.7 miles away](https://rateapi.dev/credit-unions/utah/mountain-america) [**Lookout** Lookout FCU Alameda Branch · Pocatello · ID · 83201 About 6.9 miles away](https://rateapi.dev/credit-unions/idaho/lookout) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Rails West Credit Union Membership eligibility from Rails West Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Rails West Credit Union's website. Check the membership page below to confirm whether you qualify. - Employer Rails West Federal Credit Union, Aberdeen-Springfield Canal Company, American Electric, Belmont Care Center, Courtesy Ford Lincoln Mercury, Inc., DBA Great Western Malting Co., Gold’s Gym, Idaho Business Systems, Old Faithful Sprinkler & Landscaping, Pioneer Title Company, Rich Broadcasting, Safari Graphics, Shoshone-Bannock Tribes, Union Pacific Railroad, University Financial Group, Vogts Heating & Air, Westwood Discount, Bannock Humane Society - Association Bannock Humane Society Verified from [Rails West Credit Union's membership page](https://www.railswestcu.org/membership) . Final membership determination is always made by the credit union. ## Membership rules for Rails West Credit Union Employers 30 · Associations · Family 3 34 published paths to membership, last verified August 27, 2026, quoted from Rails West Credit Union’s own published criteria. ### Employers 30 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Employee of Rails West Federal Credit Union “Employees of this credit union” > [source ↗](https://www.railswestcu.org/membership) - Employee of Rails West Federal Credit Union - Employee of Aberdeen-Springfield Canal Company “Aberdeen-Springfield Canal Company” > [source ↗](https://www.railswestcu.org/membership) - Employee of Aberdeen-Springfield Canal Company - Employee of American Electric “American Electric” > [source ↗](https://www.railswestcu.org/membership) - Employee of American Electric - Employee of Belmont Care Center “Belmont Care Center” > [source ↗](https://www.railswestcu.org/membership) - Employee of Belmont Care Center - Employee of Courtesy Ford Lincoln Mercury, Inc. “Courtesy Ford Lincoln Mercury, Inc.” > [source ↗](https://www.railswestcu.org/membership) - Employee of Courtesy Ford Lincoln Mercury, Inc. - Employee of DBA Great Western Malting Co. “DBA Great Western Malting Co.” > [source ↗](https://www.railswestcu.org/membership) - Employee of DBA Great Western Malting Co. - Employee of Gold’s Gym “Gold’s Gym” > [source ↗](https://www.railswestcu.org/membership) - Employee of Gold’s Gym - Employee of Idaho Business Systems “Idaho Business Systems” > [source ↗](https://www.railswestcu.org/membership) - Employee of Idaho Business Systems - Employee of Old Faithful Sprinkler & Landscaping “Old Faithful Sprinkler & Landscaping” > [source ↗](https://www.railswestcu.org/membership) - Employee of Old Faithful Sprinkler & Landscaping - Employee of Pioneer Title Company “Pioneer Title Company” > [source ↗](https://www.railswestcu.org/membership) - Employee of Pioneer Title Company - Employee of Rich Broadcasting “Rich Broadcasting” > [source ↗](https://www.railswestcu.org/membership) - Employee of Rich Broadcasting - Employee of Safari Graphics “Safari Graphics” > [source ↗](https://www.railswestcu.org/membership) - Employee of Safari Graphics - Employee of Shoshone-Bannock Tribes “Shoshone-Bannock Tribes” > [source ↗](https://www.railswestcu.org/membership) - Employee of Shoshone-Bannock Tribes - Employee of Union Pacific Railroad “Union Pacific Railroad” > [source ↗](https://www.railswestcu.org/membership) - Employee of Union Pacific Railroad - Employee of University Financial Group “University Financial Group” > [source ↗](https://www.railswestcu.org/membership) - Employee of University Financial Group - Employee of Vogts Heating & Air “Vogts Heating & Air” > [source ↗](https://www.railswestcu.org/membership) - Employee of Vogts Heating & Air - Employee of Westwood Discount “Westwood Discount” > [source ↗](https://www.railswestcu.org/membership) - Employee of Westwood Discount - Retired employee of American Electric “American Electric” > [source ↗](https://www.railswestcu.org/membership) - Retiree of American Electric - Retired employee of Belmont Care Center “Belmont Care Center” > [source ↗](https://www.railswestcu.org/membership) - Retiree of Belmont Care Center - Retired employee of Courtesy Ford Lincoln Mercury, Inc. “Courtesy Ford Lincoln Mercury, Inc.” > [source ↗](https://www.railswestcu.org/membership) - Retiree of Courtesy Ford Lincoln Mercury, Inc. - Retired employee of DBA Great Western Malting Co. “DBA Great Western Malting Co.” > [source ↗](https://www.railswestcu.org/membership) - Retiree of DBA Great Western Malting Co. - Retired employee of Idaho Business Systems “Idaho Business Systems” > [source ↗](https://www.railswestcu.org/membership) - Retiree of Idaho Business Systems - Retired employee of Rich Broadcasting “Rich Broadcasting” > [source ↗](https://www.railswestcu.org/membership) - Retiree of Rich Broadcasting - Retired employee of Safari Graphics “Safari Graphics” > [source ↗](https://www.railswestcu.org/membership) - Retiree of Safari Graphics - Retired employee of Shoshone-Bannock Tribes “Shoshone-Bannock Tribes” > [source ↗](https://www.railswestcu.org/membership) - Retiree of Shoshone-Bannock Tribes - Retired employee of Union Pacific Railroad “Union Pacific Railroad” > [source ↗](https://www.railswestcu.org/membership) - Retiree of Union Pacific Railroad - Retired employee of Westwood Discount “Westwood Discount” > [source ↗](https://www.railswestcu.org/membership) - Retiree of Westwood Discount - Retired employee of Gold’s Gym “**Gold’s Gym” > [source ↗](https://www.railswestcu.org/membership) - Retiree of Gold’s Gym - Retired employee of Pioneer Title Company “**Pioneer Title Company” > [source ↗](https://www.railswestcu.org/membership) - Retiree of Pioneer Title Company - Retired employee of Bannock Humane Society (as written on the source page) “***Bannock Humane Society” > [source ↗](https://www.railswestcu.org/membership) - Retiree of Bannock Humane Society ### Associations 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Member of Bannock Humane Society “Bannock Humane Society” > [source ↗](https://www.railswestcu.org/membership) - Member of Bannock Humane Society ### Family 3 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Family of a member spouse “Spouses of persons who died while within the field of membership of this credit union” > [source ↗](https://www.railswestcu.org/membership) - Family member (spouse) of a member - Family of a member “Members of their families” > [source ↗](https://www.railswestcu.org/membership) - Family member of a member - Family Of Deceased surviving spouse “Spouses of persons who died while within the field of membership of this credit” > [source ↗](https://www.railswestcu.org/membership) - Family member (surviving spouse) of a deceased eligible person Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Rails West Credit Union? Yes No ## Work at Rails West Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Rails West Credit Union ranks against Idaho peers. - See which AI assistants fetched Rails West Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Idaho - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=rails-west&state=idaho&code=ID&name=Rails%20West%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Rails West Credit Union offer? Rails West Credit Union is a credit union in Idaho. Rate data is currently being verified. ### How often are Rails West Credit Union rates updated? RateAPI verifies Rails West Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get Rails West Credit Union's rate data? Rate data is collected directly from Rails West Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### Who can join Rails West Credit Union? Rails West Credit Union publishes its membership criteria on its own website. RateAPI tracks 34 published membership paths covering 30 employers and 1 association for Rails West Credit Union, each quoted from Rails West Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Rails West Credit Union's rates against national credit-union benchmarks. [More Idaho credit unions](https://rateapi.dev/credit-unions/idaho) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.railswestcu.org/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Rails West Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Idaho credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Rails West Credit Union curl "https://api.rateapi.dev/credit-unions/idaho /rails-west " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Rails West Credit Union locations Search, filter, and browse all 2 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/idaho/rails-west Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp