Vehicle Loans
Great Deal on Financing
           + Great Financing          
= Something to Smile About


Whether its brand new off the lot or gently used Rails West Federal Credit Union has some great financing options to choose from. Here is how the process usually works:

  1. Apply online and you will hear from us in less than 24 hours
  2. Well provide an intial loan approval & crunch the numbers for you (as many times as you would like)
  3. We will have you sign loan documents
  4. We will write you a check to pay for your vehicle.

In addition to great rates & terms you can enjoy these great benefits:

  • No Application Fees
  • GAP Coverage for $274 (Well below market rates) - Details
  • Financing up to 100%
  • Mechanical Repair Coverage - Details
  • Debt Protection Available - Details
  • Automatic Payments

Can I Obtain Financing with Pocatello Railroad FCU via Dealer Financing?
Many financial institutions provide financing at the dealership which can be convenient. However many don't realize the hidden costs such as paying a large loan commission to the car dealer and the administration costs of such a program. union. We feel like we owe it to our members to utilize our resources in a different manner to better serve you. By not offering dealer financing you can be assured that we have your best interest at heart. We do not have to choose between our members and our relationship with the dealers.

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NADA Guides - Vehicle Pricing
Edmunds - Car Buyers Go Here
This credit union is federally insured by the National Credit Union Administration.
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