Rails West Credit Union Chubbuck ID | Best Auto Loans & Business Banking

Introduction

Welcome to Rails West, your trusted partner in financial growth and community support! Located at 4708 Yellowstone Ave, Chubbuck, ID 83202, our branch has proudly served the needs of our members since 1935. With a strong commitment to providing personalized banking solutions, we have grown to support over 7,932 members, helping them achieve their financial dreams. At Rails West, we understand that every member's journey is unique. That's why we offer a range of services tailored to fit your needs from checking and savings accounts to auto loans and mortgage refinancing. Our total assets currently stand at an impressive $74,535,798, with total deposits reaching $4,045,453. This solid foundation allows us to provide you with competitive rates and exceptional service. Under the leadership of our dedicated CEO, Paul Contreras, and Board President Jon Lamb, we foster a culture of trust and transparency. We also pride ourselves on being an integral part of the Chubbuck community, working diligently to make a positive impact through various initiatives and support programs. While members can visit us at our branch location, official correspondence should be sent to our mailing address at PO BOX 1450, Pocatello, ID 83204-1450. Our friendly team is here to assist you during our lobby hours Monday through Thursday from 9:00 AM to 5:30 PM and Friday until 6:00 PM. Whether you're looking for a new account or need assistance with loans, don't hesitate to reach out! You can call us at 208-232-5746 or explore more about what we offer at railswestcu.org. Join us today in experiencing a banking relationship built on trust and community!

Branch History & Mission

At Rails West, we take pride in our rich legacy of serving the Chubbuck community since our doors opened in 1935. With a commitment to providing exceptional financial services, we have grown alongside our members, evolving to meet their needs while staying true to our mission of enhancing the lives of those we serve. Located at 4708 Yellowstone Ave, Chubbuck, ID 83202, our branch stands as a beacon of support for over 7,932 members. Our total assets have reached an impressive $74,535,798, reflecting our dedication to responsible management and growth. We are more than just a credit union; we are a community partner that believes in fostering strong relationships and empowering individuals through sound financial education and services. Rails West was founded with a mission to provide accessible financial solutions while uplifting our local community. We offer a wide range of products including checking and savings accounts, auto loans, mortgages, personal loans, and credit cards with rewards. Beyond banking, we are dedicated to supporting community outreach initiatives that make a real difference in people's lives. We understand that convenience matters. That's why we provide ATM availability and drive-thru banking for easy access to your funds. Our operating hours are designed to accommodate your busy schedule: Monday through Thursday from 9:00 AM to 5:30 PM, and Friday until 6:00 PM. While you can visit us at our branch for all your banking needs, please note that official correspondence should be sent to our mailing address at PO BOX 1450, Pocatello, ID 83204-1450 if it differs from the branch address. In an ever-changing world, we've embraced digital advancements like online banking and mobile payments to enhance your experience. Our commitment to accessibility includes ADA compliance to ensure everyone can enjoy our services without barriers. As we continue this journey together, we invite you to join us at Rails West. Experience the difference of being part of a credit union that truly cares about its members and the community. Let's build a brighter future together! For more information or to get started on your membership journey, visit us online at Rails West or call us at 208-232-5746 today!

Branch Location & Accessibility

Drive-Thru Convenience

For those on the go, take advantage of our drive-thru banking services! You can quickly handle deposits, withdrawals, and simple transactions without leaving your vehicle. Plus, with ATM availability right at our location, accessing your funds has never been easier. While members can visit us at 4708 Yellowstone Ave Chubbuck Id 83202, official correspondence should be sent to PO BOX 1450 in Pocatello, ID. We invite you to come see how Rails West can make banking easier for you. Stop by today or give us a call we look forward to welcoming you!

Easy Access and Amenities

At our Chubbuck Office, you'll find ample parking available, ensuring that your visit is hassle-free. We're committed to accessibility, with features designed for everyone, including ADA-compliant ramps. Whether you're stopping in for personal banking or just need to withdraw cash from our ATM, we've got you covered.

Operating Hours Designed for You

We understand that life can be busy, which is why our operating hours are designed with your schedule in mind. Join us Monday through Thursday from 9:00 AM to 5:30 PM and on Friday from 9:00 AM to 6:00 PM. Need assistance? Feel free to call us at 208-232-5746 during these hours; our friendly staff is always ready to help.

Member Eligibility

At Rails West, we believe that everyone deserves a chance to be part of a friendly and supportive community. Becoming a member is not just about opening an account; it's about joining a family that prioritizes your financial well-being. If you live, work, worship, or attend school in our local area, you're likely eligible to join us! You can easily check the specific eligibility details on our website at http://www.railswestcu.org/membership. Once you confirm your eligibility, opening an account is a breeze! We're here to guide you every step of the way, ensuring a smooth and welcoming experience. Whether you're interested in checking and savings accounts, auto loans, or any of our other services, our dedicated team is ready to assist you. If you have any questions or need further assistance, feel free to call us at (208) 232-5746. Join us at Rails West located at 4708 Yellowstone Ave Chubbuck Id 83202 we can't wait to welcome you into our community!

Business Banking & Commercial Services

Business Loans That Fuel Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs. While currently we have not issued any commercial loans, our aim is always to provide flexible financing options that can help you expand operations, purchase equipment, or manage cash flow effectively.

Merchant Services for Seamless Transactions

Imagine running your business without worrying about payment processing. Our merchant services simplify transactions, allowing you to focus on what matters most serving your customers and growing your brand. We equip you with the tools necessary for accepting payments easily and securely, helping you streamline operations and enhance customer satisfaction. For more information about how we can help your business thrive, visit us at our branch located at 4708 Yellowstone Ave Chubbuck Id 83202 in Chubbuck, ID or call us at (208) 232-5746. Your success is our priority!

Comprehensive List Of Services

Accessibility at Your Fingertips

At Rails West, we're dedicated to making banking as accessible as possible for everyone in our community. With easy access through both physical locations and digital platforms, managing your finances has never been simpler. If you have any questions or want to learn more about how we can assist you further, don't hesitate to reach out! Call us at (208) 232-5746, visit us at our branch in Chubbuck, ID, or explore more about our services on our website: https://www.railswestcu.org/. We look forward to serving you!

Business Banking Solutions

For our business members, we offer specialized services tailored to meet your unique needs. Our Business Banking solutions include essential tools like Merchant Services and various types of Business Loans. We're committed to supporting local businesses and helping them grow.

Convenient Digital Banking

In today's fast-paced world, convenience is key. That's why we've invested in robust Online & Mobile Banking platforms that allow you to manage your accounts anytime, anywhere. You can easily transfer funds, pay bills, and check your balances right from your smartphone or computer. Need cash? Our ATM & Cash Withdrawal Services ensure you have access to your funds whenever you need them. For simple transactions like deposits or withdrawals, take advantage of our convenient Basic Drive-Thru Banking services.

Personal Banking Services

We understand that managing personal finances can be challenging. That's why we offer Personal Banking, which includes both checking and savings accounts designed to help you achieve your financial goals. If you're thinking about buying a car, our Auto Loans & Vehicle Financing options are here to make the process easier and more affordable. For those considering homeownership, our Mortgage Loans & Refinancing services provide competitive rates and flexible terms. When unexpected expenses arise, our Personal Loans & Debt Consolidation options can give you peace of mind by helping you manage those costs effectively. Plus, enjoy the benefits of our Credit Cards with Rewards, allowing you to earn points on everyday purchases.

Digital & Online Banking

Anytime Access

With our online banking services, you have real-time access to your accounts anytime you need it. This means no more waiting until business hours to check balances or make transfers. Whether it's day or night, our services are always available to you. Embrace the convenience of modern banking with Rails West your financial partner every step of the way!

Key Services

Our online banking platform, accessible at https://www.railswestcu.org/, allows you to check balances, pay bills, and transfer money with just a few clicks. You can also take advantage of our person-to-person transfer feature, making it simple to send funds to friends and family without any hassle. Plus, with e-statements available, you can keep track of your transactions in an eco-friendly way while enjoying the convenience of paperless banking.

Security and Ease of Use

Security is a top priority for us at Rails West. We use electronic signature authorization to ensure that all your transactions are safe and secure. Our mobile application is user-friendly and packed with features like mobile payments, so you can make purchases or send money directly from your smartphone. Whether you're in line at the grocery store or relaxing at home, managing your finances has never been easier.

Financial Strength

At Rails West, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We are proud to share our strong financial position, which reflects our commitment to serving you. With a net worth of $7,446,026, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $999 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. Members' savings are secured through $2,077,718 in share certificates and $1,034,425 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks. Our financial strength is further highlighted by having $7,446,026 in undivided earnings, allowing us to reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. With $1,166 in used auto loans and $42,260,807 in total loans and leases, our lending capacity supports members' financial goals across various sectors. Our operational efficiency is evident with a net income of $0, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 21 full-time employees and 3 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. Total Share and Deposit Accounts: 13,508, show a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $0. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Rails West is your trusted partner. Visit us at 4708 Yellowstone Ave Chubbuck Id 83202 or call (208) 232-5746 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $17,538,154 in used vehicle loans and $5,028,754 in new vehicle loans already helping members get on the road. We provide flexible terms and straightforward application processes to ensure you get the financing you need quickly and efficiently.

Credit Lines and Unsecured Credit Card Loans

For those needing extra flexibility, we offer credit lines totaling $4,000,000 that can help cover unexpected expenses or large purchases. Additionally, we provide flexible terms on unsecured credit card loans, with a total of $2,760,220 in loans helping members manage their finances effectively. These options allow you to maintain control over your spending while enjoying peace of mind.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $3,002,644, make buying or refinancing simple. We work closely with you to find the right mortgage solution that fits your budget and lifestyle. Whether you're a first-time buyer or looking to refinance your existing mortgage, we can guide you through every step.

Refinancing Options

If you're considering refinancing an existing loan for better rates or terms, we're here to assist you. Our team can evaluate your current financial situation and determine if refinancing is a beneficial option for you. At Rails West, we're dedicated to offering financial solutions tailored to your needs. For more information about our loan offerings or how to apply, feel free to contact us at (208) 232-5746 or visit us at our branch located at 4708 Yellowstone Ave Chubbuck Id 83202 in Chubbuck, ID. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Let us help you take the next step toward achieving your financial goals!

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Rails West