Freedom Northwest Credit Union Kamiah ID | Affordable Auto Loans & ATM Services

Introduction

Welcome to Freedom Northwest, your trusted financial partner located at 303 Main Street, Kamiah, ID 83536. Since our establishment in 1963, we have proudly served our community with a commitment to providing exceptional banking services and fostering financial well-being. With over 13,000 members relying on us for their financial needs, we believe in putting people first. Our total assets stand at an impressive $584,225,450, highlighting our stability and strength as a credit union. At Freedom Northwest, we understand that every dollar matters. That's why we offer a range of services tailored to meet your needs from personal banking options like checking and savings accounts to auto loans and business financing solutions. With total deposits amounting to $44,556,493 and net worth of $66,199,727, you can trust that your money is safe with us. Our dedicated team of 45 employees, led by CEO Gregory Garrett and Board President Kevin Steere, is here to assist you every step of the way. Whether you're looking for advice on loans or simply need assistance managing your accounts, we're just a phone call away at (208) 935-0277. 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: PO Box 68, Kamiah, ID 83536. We invite you to explore our website at fnwcu.org for more information on how we can help you achieve your financial goals. Join us at Freedom Northwest today and experience the difference of community-focused banking!

Branch History & Mission

Community Engagement

As part of our dedication to community support, Freedom Northwest actively partners with local organizations and participates in events that uplift the residents of Kamiah and surrounding areas. From financial literacy workshops to charitable donations, we believe in giving back and making a difference where it matters most. We also embrace digital advancements by offering online banking options, mobile payments, and electronic signatures. These features make banking easier for our members while ensuring compliance with ADA standards. Join us today at Freedom Northwest! Experience firsthand how we can help you achieve your financial goals while being an active part of your community. Together, let's build a brighter future! For more information or inquiries, feel free to call us at 208-935-0277 during our operating hours from 9 AM to 5:30 PM Monday through Friday.

Our Mission

At Freedom Northwest, our mission is straightforward yet impactful: to enhance the financial well-being of our members while actively contributing to the growth and betterment of the communities we serve. We believe in fostering strong relationships built on trust and transparency. This guiding principle drives us to not only provide outstanding financial services but also engage deeply with local initiatives and outreach programs. We are committed to ensuring accessibility for all members through various channels. While you can visit us at our Kamiah branch, official correspondence should be sent to PO Box 68, Kamiah, ID 83536 if your communication differs from your visit. We proudly offer drive-thru banking services for added convenience, although ATM services are currently not available.

Branch Location & Accessibility

Welcome to Freedom Northwest, your friendly neighborhood credit union located at 303 Main Street in beautiful Kamiah, Idaho. Nestled in the heart of Lewis County, our branch is easily accessible and conveniently situated near local landmarks, making it simple for you to stop by for all your banking needs. Whether you're heading to the nearby Kamiah City Park or just running errands around town, our location is designed for your convenience. We offer easy parking options right outside our branch, and our facility is equipped with ADA-compliant features to ensure accessibility for everyone. At Freedom Northwest, we pride ourselves on providing exceptional service during our lobby hours from 9 AM to 5:30 PM, Monday through Friday. If you're looking for quick banking solutions, take advantage of our drive-thru service for deposits, withdrawals, and other simple transactions without leaving your vehicle. While members can visit us at 303 Main Street, official correspondence should be sent to PO Box 68 in Kamiah. Feel free to reach out at 208-935-0277 if you have any questions or need assistance. We also participate in shared services, allowing you to complete basic transactions like deposits and withdrawals at partner credit union locations. Although we currently do not have an ATM on-site, our drive-thru and shared services make it easy for you to manage your finances conveniently. Stop by Freedom Northwest today we're here to help you with personal banking, auto loans, mortgages, and much more! We look forward to welcoming you into our community-focused financial family.

Member Eligibility

At Freedom Northwest, we believe that joining our credit union is like becoming part of a close-knit family that truly cares about its members. If you're wondering how to become a member, it's simple! We welcome individuals who live, work, worship, or attend school in Lewis County, ID, and there are also options for immediate family members of existing members. This inclusive approach means more people can benefit from our wide range of financial services tailored just for you. To kickstart your journey with us at our branch located at 303 Main Street, Kamiah, ID 83536, simply reach out at 208-935-0277. Our friendly team is here to guide you through the easy application process and answer any questions you might have. For full details on eligibility requirements, you can visit our website at . We're excited to welcome you into the Freedom Northwest community where your financial well-being is our top priority!

Business Banking & Commercial Services

Merchant Services That Make a Difference

Running a business means managing transactions efficiently. Our merchant services provide practical solutions that simplify payments and enhance customer satisfaction. Imagine having the tools to process payments seamlessly whether it's in-store or online allowing you more time to focus on what you do best: running your business. Located at 303 Main Street, Kamiah, ID 83536, we're dedicated to being your partner in success. Contact us at (208) 935-0277 or visit our website at fnwcu.org for more information on how we can support your business journey!

Supporting Your Growth with Commercial Loans

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $185 in commercial loans for our members, helping businesses scale and succeed. - With an outstanding commercial loan portfolio of $54,134,994, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Business Banking Services

If you're a business owner, explore our business banking services which include merchant services and business loans. We understand the challenges of running a business and are here to support your growth with tailored financial solutions.

Convenient Banking Access

We know convenience matters, which is why we provide various ways for you to access your funds. Enjoy the ease of online and mobile banking, where you can make payments, transfer funds, and view your transaction history right from your smartphone or computer. For those who prefer in-person service, our branch offers drive-thru banking for deposits, withdrawals, and other simple transactions without having to step inside.

Credit Cards with Rewards

Our credit cards come with rewards that let you earn while you spend. Whether it's cashback or points redeemable for travel or merchandise, using our card means you're getting more out of your purchases.

Loans and Financing

When it comes to financing, Freedom Northwest has you covered with various loan options tailored for different needs. Looking to buy a new car? Our auto loans and vehicle financing solutions provide competitive rates and flexible terms. If you're considering buying a home, our mortgage loans and refinancing options can help you secure the best deal possible. We also offer personal loans and debt consolidation services to assist you in managing existing debts effectively.

Personal Banking Solutions

For individuals looking to manage their finances efficiently, we offer personal banking options that include checking and savings accounts. Whether you're saving for a dream vacation or just want a reliable account for everyday expenses, our accounts come with features that help you stay on top of your finances. You can easily access your funds through our online and mobile banking platforms, making it simple to check balances or transfer money anytime, anywhere.

Shared Branch Transactions

As part of our commitment to accessibility, we also participate in shared branch transactions for partner credit union members. This means if you're traveling or away from home, you can still handle basic transactions like deposits and withdrawals at other participating branches. At Freedom Northwest, we're proud to serve our community in Kamiah and beyond. Whether you're looking for personal banking solutions or need assistance with business finances, our team is ready to help. Feel free to call us at 208-935-0277 or visit us today! Your financial well-being is our priority, and we're here to support you every step of the way.

Digital & Online Banking

Key Features

One of the standout features is our mobile application, which allows you to manage your accounts right from your smartphone. With this app, you can enjoy mobile payments, making transactions quick and easy at participating merchants. Plus, if you need to send money to friends or family, our person-to-person transfer feature has got you covered no cash needed! In addition to these convenient tools, we prioritize your security. Our electronic signature authorization ensures that your transactions are not only easy but also safe. And for those who prefer going green, e-statements are available so you can receive all your account information digitally without the clutter of paper statements. With all these benefits at your fingertips, managing your finances has never been easier. Experience hassle-free banking with Freedom Northwest today!

Financial Strength

At Freedom Northwest, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. With a strong foundation built on trust and reliability, we are committed to providing the best services possible. With a net worth of $66,199,727, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 1133 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 $179,282,976 in share certificates and $70,768,714 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $110,892,160, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks. With $66,199,727 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity supports members' financial goals across various sectors with $1472 in used auto loans and $476,493,198 in total loans and leases. Our $0 net income reflects our operational efficiency as we strive to keep our services affordable while still offering competitive loan rates and solid financial products for our members. We also take pride in having 42 full-time employees and 3 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable and committed team. Net Shares (Funds available for lending and investments): $0. Total Share Accounts: 26,445, showing a strong and growing member base that trusts us with their finances. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Freedom Northwest is your trusted partner. Visit us at 303 Main Street Kamiah ID 83536 or call 208-935-0277 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 $16,100,881 in used vehicle loans and $1,910,434 in new vehicle loans already helping members get on the road. Whether you're purchasing a new or used vehicle, we have flexible financing options that fit your budget.

Credit Lines and Commercial Loans

For those looking for additional flexibility, our total credit lines amount to $110,815,860, providing you the resources needed for various financial situations. Additionally, for business owners, our outstanding commercial loans totaling $54,134,994 offer the capital necessary to grow and expand your business. At Freedom Northwest, we prioritize your financial well-being by offering tailored loan solutions. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. We invite you to visit us or call today to learn more about how we can assist you in achieving your financial dreams!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $10,107,018, make buying or refinancing simple. We offer competitive rates and terms tailored to meet your needs. If you're interested in refinancing your current mortgage, we can guide you through our straightforward process.

Unsecured Credit Card Loans

We also provide flexible terms on unsecured credit card loans, with a total of $758,918 in loans helping members manage their finances effectively. Our credit card options come with rewards and are designed to give you peace of mind when making purchases.

Loan Aggregator

Benefits of Using LendMesh

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Ensuring Accurate Comparisons

LendMesh sources its loan data directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards. This commitment to accuracy is based on the latest results (Source: https://www.ncua.gov ), ensuring that users receive fair and transparent offers. By working exclusively with verified institutions, LendMesh guarantees that the information presented is both reliable and current.

FREEDOM NORTHWEST CREDIT UNION