Potlatch No1 Credit Union
Chartered in 1938, Potlatch No1 Credit Union has been providing financial services to the Lewiston, Idaho community for over 86 years.
Contact & Hours Online Banking LoginOverview
- Reachable: 31 branches and 28 ATMs. Locations
- Financial Resources: Stewards over $2.2 Billion in assets. Financial Reports
- Solid Financials: The 2nd largest credit union in Idaho
- Members: Proudly serves over 127,000 loyal members.
- Team Cohesion: Over 400 dedicated employees as of 2024, committed to exceptional service.
Dashboard
- Financial Tip of the Hour: Keep saving for big purchases to avoid finance charges and interest.
- Lobby Hours: Potlatch No1's lobby is currently closed.
- Drive Thru Hours: Potlatch No1's drive-thru is currently closed.
- P1FCU Website and App Status: Potlatch No1 CU is Online Report an Outage
- Latest Potlatch No1 Review: I WOULD NEVER RECOMMEND THIS CREDIT UNION. The loan officer misguided me throughout the entire process. I had only calle... Read More
Reviews
Get the Inside Scoop: Member Reviews
Wondering about Potlatch No1 CU? Read real reviews from real members! Get the inside scoop on services, features, and the overall member experience.
Member Rating
"I WOULD NEVER RECOMMEND THIS CREDIT UNION. The loan officer misguided me throughout the entire proce... Read More" - Brianna- "No star didn't answer the phone." - Gio
- "Trying to reach an actual person at the bank is getting harder and harder to do. Last time I called ... Read More" - Carol E. Jones Jr.
- "P1FCU is one of the worst places to get through to someone on the phone. I called to have funds ver... Read More" - Kate H.
- "I deposited paychecks in my account waiting on direct deposit for the next week, I rely on my payche... Read More" - Kimberly A LaBelle
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Financial Snapshot Q4 2023
- Total Assets $2,189,917,058
- Total Liabilities $2,060,076,883
- Total Equity $129,840,175
- Total Liabilities, Shares, & Equity $2,189,917,058
- Net Income (Loss) $6,929,777
Frequently Asked Questions
To log into online banking for Potlatch No1 Credit Union, visit the website and click on the "Online Banking" or "Login" button, typically located at the top right corner.
If you haven't registered for online access yet, look for a "Register" or "Sign Up" option available on the same page.
Available Services
- Account Aggregation
- Bill Payment
- e-Statements
- Electronic Signature Authentication/Certification
- External Account Transfers
- Mobile Payments
- Remote Deposit Capture
To access your account through online banking, visit the Potlatch No1 Credit Union login page.
Yes, Potlatch No1 Credit Union provides a variety of mortgage options to fit your needs. Visit the "Mortgages" page on the credit union's website or contact for more details.
- Fixed Rate Mortgages > 15 Years
- Fixed Rate Mortgages 15 Years or Less
- Balloon/Hybrid Mortgages > 5 Years
- Balloon/Hybrid Mortgages 5 Years or Less
- Adjustable Rate Mortgages
Estimate mortgage payments with our Mortgage Calculator.
Potlatch No1 Credit Union offers auto loans for cars, trucks, and SUVs at competitive rates and terms.
- New Auto Loans
- Used Auto Loans
For more details, visit the website, or contact the credit union for a loan application, pre-approval, or payment/payoff address inquiries.
Use the online Auto Loan Calculator to estimate your loan amount.
Potlatch No1 (Main Office) Service Status
Find the service status of online banking, mobile app, and the Main Office location at 1025 Warner Avenue. Report outages you're experiencing, including login issues and traditional services like ATM or telephone.
- Is P1FCU Potlatch No1 down?
- Is Potlatch No1 app down?
Main Office Service Status
Main Office Reports in the Past 24 Hours
Membership Eligibility
Who Can Join Potlatch No1 Credit Union?
Potlatch No1 operates under a state charter in Idaho, offering comprehensive financial solutions tailored to the residents of Idaho. With over 127,000 members, Potlatch No1 Credit Union offers a wide range of accounts, including Regular Savings (141,000+), Share Draft (74,000+), Money Market (7,000+), and Share Certificate (CDs: 15,000+) accounts.
Interest Rates
- Competitive Rates and Low Fees: As a not-for-profit institution, Potlatch No1 offers better rates and lower fees than many for-profit banks.
Unsecured Credit Card 17.25% Other Unsecured Loans/Lines of Credit 11.99% New Vehicle Loans 8.34% Used Vehicle Loans 8.34% Commercial Loans/Lines of Credit Secured 4.48% Commercial Loans/Lines of Credit Unsecured 6.25%
When exploring financial products such as loans or savings accounts, it's crucial to grasp the concepts of Annual Percentage Rate (APR) and Annual Percentage Yield (APY). These metrics serve as benchmarks for evaluating the true cost of borrowing or the potential returns on savings over a year, respectively.
For instance, a lower APR signifies a more cost-effective borrowing option, as it indicates lower overall expenses associated with the loan. Therefore, borrowers should prioritize selecting loans with the lowest APR to minimize the financial burden and maximize savings in the long run.
For savers, a higher APY translates to greater returns on their deposited funds, facilitating wealth accumulation and financial goals achievement. Hence, individuals seeking to optimize their savings should seek accounts offering competitive APY rates to maximize their earning potential and capitalize on the power of compound interest.
Shorter loan terms often entail higher monthly payments but result in lower total interest expenses over the loan's lifespan. Conversely, longer loan terms yield lower monthly payments but may lead to higher overall interest costs due to prolonged repayment periods.
It's imperative for borrowers to strike a balance between monthly affordability and long-term financial implications when selecting a loan term. By carefully evaluating their budgetary constraints and financial objectives, borrowers can opt for the most suitable term length that aligns with their repayment capacity while minimizing the total cost of borrowing.
