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Rails West

PO BOX 1450, Pocatello, ID 83204
NCUA Insured3.5 (27 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 1935

Contact this credit union directly for detailed information about membership eligibility and current rates.

Location & Directions

Address

PO BOX 1450

Pocatello, ID 83204

Google Maps🗺Waze
(208) 232-5746

Service Area

This credit union is located in Pocatello and serves members in the ID area. Currently serving 7,538 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

4.92%

Used Auto Loan

6.71%

Personal Loan

13.02%

Credit Card APR

9.84%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in ID

Lowest rates currently reported by credit unions in ID (NCUA Q4 2025).

Boise Fire Department— New Auto Loan

Boise, ID

3.00%
Clarity— Used Auto Loan

Nampa, ID

3.99%
Boise Fire Department— Personal Loan

Boise, ID

7.00%
Latah— Credit Card APR

Moscow, ID

8.34%

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(2 total)

Member Reviews

3.5

27 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps
Sydnee Cole

Sydnee Cole

3 months ago

Bonnie is an absolute gem! She helped my husband with an issue for his mother getting her account squared away and stop fraudulent charges from happening. She was very detailed and helped us every step of the way and made it super easy to fix everything! We appreciate the amazing customer service and the true compassion! Thanks again!

Dee Jaye

Dee Jaye

5 months ago

Chevelle is amazing. She has great Great customer service and she smiles the whole time. She is a wonderful lady. Thank you for dealing with me.

Paul Schaeffer

Paul Schaeffer

a year ago

Been with Railswest for a very long time with varing experiences. Just did an auto loan with them and Bonnie did an excellent job! Attentive, organized, very friendly and easy to work with. Great customer service, thank you.

Chad Blayne Brokens

Chad Blayne Brokens

2 years ago

These guys have been amazing every time I have used them. I have had several loans through them over the past 6 years and they always beat the interest rate of my other bank and credit union. All I have to do is send in the information for the loan by email and by the time I get there they have it all ready and in less than 10 minutes I’m usually out of there. I highly recommend these these guys for any auto or Recreational vehicle loan.

Izaic LLC

Izaic LLC

a year ago

My customer just had a fraud charge and called rails west to report it and stop it. The teller told them they had to call the fraud company and ask them to refund the money they stole. I would say bank at mountain america and keep your money safe.

Contact Tips

Best Time to Call

Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.

What to Ask

  • • Current loan rates & terms
  • • Membership eligibility requirements
  • • Minimum deposit to open an account
  • • Online & mobile banking features

NCUA Insured

Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).