Potlatch No. 1 Credit Union Culdesac ID | Affordable Auto Loans & Personal Banking

Introduction

At Potlatch No. 1 Financial, we believe in building strong relationships with our members and the community. Located at 806 Phinney St, Culdesac, ID 83524, our Culdesac Branch has been serving the financial needs of our members since 1938. Over the years, we've proudly grown to support 127,945 members, providing them with a range of services designed to help them thrive financially. While you can visit us at our branch for all your banking needs, please note that official correspondence should be sent to PO BOX 202, CULDESAC, ID 83524 if different from our physical address. Our branch is more than just a financial institution; it's a place where community members come together to find support and solutions tailored to their unique situations. With total assets exceeding $2.14 billion and total deposits reaching $20,804,423, Potlatch No. 1 Financial is committed to safeguarding your money while offering competitive rates on loans and savings. We currently hold $1,857,876,351 in total shares deposited and have extended over 71,684 loans to empower our members' dreams whether it's buying a home or financing a vehicle. Led by CEO Chris Loseth and Board President Tod Dickeson, our dedicated team of 411 employees works tirelessly to ensure you receive exceptional service every time you visit us or reach out via phone at 208-843-5100. Whether you're looking for personal banking options like checking accounts and auto loans or business services including merchant accounts and loans, we're here to help. Join us today and discover how Potlatch No. 1 Financial can support your financial journey. Visit our website at Potlatch No. 1 Financial or stop by our branch during lobby hours: Monday through Tuesday from 10 AM - 5 PM and Friday from 10 AM - 6 PM. We look forward to welcoming you into our community!

Branch History & Mission

Welcome to the Potlatch No. 1 Financial Culdesac Branch, a place where community spirit and financial growth come together. Since opening our doors in 1938, we've dedicated ourselves to serving the members of Culdesac, Idaho, and surrounding areas with passion and commitment. Over the decades, we have grown alongside our community, proudly achieving a membership of over 127,000 individuals who trust us with their financial needs. Located at 806 Phinney St, Culdesac, ID 83524, our branch is not just a financial institution; it's a hub for local residents to access essential banking services. Whether you're stopping by for personal banking or to explore loan options, you'll find that our friendly staff is here to help. If you need to send official correspondence, please use our mailing address: PO BOX 202, Culdesac, ID 83524. At Potlatch No. 1 Financial, our mission is straightforward yet impactful: we strive to empower our members through quality financial services while enhancing the communities we serve. We offer a range of services including checking and savings accounts, auto loans, mortgage loans, and more each designed to support your financial journey. We believe that when our members thrive, so does the entire community. As part of our dedication to innovation and accessibility, we provide modern conveniences like online banking and mobile payments. Our commitment extends beyond just technology; we ensure that all members can navigate our services with ease by maintaining ADA compliance throughout our facilities. Our branch also actively engages in community outreach programs that foster partnerships with local organizations. These efforts help us give back to Culdesac and its residents in meaningful ways. We invite you to experience all that Potlatch No. 1 Financial has to offer. Visit us during our operating hours Monday through Tuesday from 10:00 am to 5:00 pm and Friday from 10:00 am to 6:00 pm to discover how we can assist you with your financial goals. With an ATM on-site and drive-thru banking available for your convenience, we're here for you every step of the way. Join us today and be part of a credit union that's focused on putting its members first! For more information about becoming a member or opening an account, feel free to call us at 208-843-5100 or check out our website at Potlatch No. 1 Financial. Together, let's build a brighter future for Culdesac!

Branch Location & Accessibility

Join Us Today!

We invite you to come visit us at the Culdesac Branch or give us a call at 208-843-5100 if you have any questions or need further assistance. Our dedicated team is eager to welcome you and help guide you through all your banking needs. Experience the friendly service at Potlatch No. 1 Financial today!

Nearby Landmarks and Accessibility

Our branch sits in the heart of Culdesac, a charming town that's just a stone's throw away from local favorites like the scenic Clearwater River and community parks. You'll find ample parking available right outside our doors, ensuring that your visit is hassle-free. We take pride in being ADA compliant, offering features such as ramps and accessible entrances so everyone can enjoy our services comfortably.

Operating Hours and Services

We understand that your time is valuable. That's why we're open Monday through Tuesday from 10:00 AM to 5:00 PM and Fridays from 10:00 AM to 6:00 PM, making it easy for you to stop by when it suits you best. Our drive-thru service is also available during these hours, allowing for quick transactions without leaving your vehicle. At Potlatch No. 1 Financial, we offer a variety of services tailored for both personal and business banking needs. From checking and savings accounts to auto loans and mortgages, we aim to provide solutions that fit your financial journey. Plus, with ATM access available on-site, you can manage cash withdrawals anytime. While members can visit us at our physical location, any official correspondence should be directed to PO BOX 202, CULDESAC, ID 83524.

Member Eligibility

At Potlatch No. 1 Financial, we believe that everyone deserves a chance to thrive in their financial journey, and becoming a member is your first step into a welcoming community where your needs come first. To join us, you simply need to be part of our service area or share a common bond with other members, such as being employed by one of our partner organizations or living in the communities we serve. If you're curious about whether you qualify, feel free to check out our detailed eligibility criteria at https://www.p1fcu.org/become-a-member. Once you confirm your eligibility, opening an account is a breeze! You can get started right away by visiting us in person at 806 Phinney St Culdesac Id 83524 or online through our easy account opening process found here: https://homebanking.p1fcu.org/p1fcu/sdk/autoenrollmente2e. Should you have any questions along the way, don't hesitate to give us a call at (208) 843-5100. We're excited to help you on your path to financial well-being!

Business Banking & Commercial Services

Commercial Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $602 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $3 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $275,689,862, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

In today's fast-paced market, having reliable payment solutions is crucial. Our merchant services provide businesses with the tools they need to accept payments seamlessly. Imagine running a café where customers can pay quickly with their cards or mobile wallets, allowing you to serve more patrons without delays. This ease of transaction not only enhances customer satisfaction but also boosts your sales. With our tailored services at Potlatch No. 1 Financial, you're not just getting a bank; you're gaining a partner dedicated to your business success. Visit us at 806 Phinney St Culdesac Id 83524 or call us at (208) 843-5100 to learn how we can help your business thrive!

Comprehensive List Of Services

Always Here For You

At Potlatch No. 1 Financial, we're committed to making your banking experience as smooth as possible. If you have any questions or need assistance, feel free to reach out at (208) 843-5100 during our operating hours: M-T 10:00 am - 5:00 pm and F 10:00 am - 6:00 pm. We invite you to explore all the ways we can help simplify your financial life. Visit us today or check out our website at Culdesac Branch to learn more about how we can serve you!

Business Solutions Tailored for Success

For local businesses, we offer comprehensive Business Banking solutions including Merchant Services & Business Loans that help facilitate growth and efficiency. We believe that supporting local businesses is essential for community prosperity.

Convenience at Your Fingertips

In today's fast-paced world, convenience matters. That's why we provide robust Online & Mobile Banking services that let you manage your accounts anytime, anywhere. With features like ATM & Cash Withdrawal Services, accessing your money is easier than ever. Our basic drive-thru banking allows quick deposits and withdrawals without leaving your vehicle perfect for busy days! For members of partner credit unions, we also offer Basic Shared Branch Transactions, allowing deposits and withdrawals seamlessly across networks.

Credit Options That Work for You

When it comes to spending power, our Credit Cards with Rewards allow you to earn while you spend, making everyday purchases even more rewarding. No matter what your financial situation looks like, we have options tailored just for you.

Personal Banking Made Easy

We understand that managing your finances is an important part of life. That's why our personal banking services include Checking & Savings Accounts that help you save while enjoying easy access to your funds. When it comes to purchasing a vehicle, our Auto Loans & Vehicle Financing options make it simple and affordable for you to drive away in the car you want. If you're thinking about buying a home or refinancing your current mortgage, our Mortgage Loans & Refinancing services can guide you through the process smoothly. Additionally, for those unexpected expenses, our Personal Loans & Debt Consolidation options provide flexibility and support when you need it most.

Digital & Online Banking

Key Features

One of the standout features we offer is electronic signature authorization. This means you can complete many transactions without needing to visit the branch in person, adding an extra layer of ease to your banking experience. Plus, if you prefer going paperless, e-statements are available for all members, making it easy to keep track of your finances while being environmentally friendly. Our mobile application takes convenience a step further by allowing you to manage your accounts directly from your smartphone. With mobile payments enabled, you can easily pay for purchases with just a tap no need to carry cash or cards! Additionally, our person-to-person transfer feature makes sending money to friends and family as simple as sending a text.

Security and Accessibility

We know that security matters when it comes to online banking. That's why we prioritize user-friendly features alongside robust security measures, ensuring your personal information is always protected. You can have peace of mind knowing that your financial data is safe while you enjoy the flexibility of managing your accounts from anywhere. Join us at Potlatch No. 1 Financial and experience how our digital and online banking services can simplify your financial life! Visit us today or check out our website at https://www.p1fcu.org/ for more information.

Financial Strength

At Potlatch No. 1 Financial, 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 insights into our strong financial position, which assures you that your money is in safe hands. With a net worth of $178,949,775, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 833 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 $643,273,667 in share certificates and $272,322,964 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $5,000,000, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks. With $156,412,458 in undivided earnings, we reinvest in innovative banking tools and stronger lending options to serve our members better. Our lending capacity supports your financial goals across various sectors with $29,835 in used auto loans and a total of $1,780,416,004 in loans and leases. Our operational efficiency is reflected in our net income of $0 for the period. This allows us to continue offering competitive loan rates and solid financial products for our members without compromising quality or service. We also take pride in having 403 full-time employees and 8 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable and committed team. With net shares available for lending and investments totaling $1,946,250, our resources are dedicated to helping you achieve your financial dreams. Our total share accounts stand at an impressive 245,485, showcasing 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, Potlatch No. 1 Financial is your trusted partner. Visit us at 806 Phinney St Culdesac Id 83524 or call 208-843-5100 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 $550,451,895 in used vehicle loans and $216,238,610 in new vehicle loans already helping members get on the road. We provide financing for both new and used vehicles, ensuring that you can find the right option that fits your budget.

Business Loans

For business owners, our outstanding commercial loans totaling $275,689,862 provide the capital needed to grow and expand. We are dedicated to supporting local businesses with tailored financing solutions that suit their unique needs. Our commitment is not only to help you secure financing but also to ensure that you understand all your options. If you're considering refinancing or want more information on eligibility requirements for any of our loan products, don't hesitate to reach out. You can contact us at (208) 843-5100 or visit us at our branch located at 806 Phinney St, Culdesac ID 83524. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Explore how Potlatch No. 1 Financial can assist you today!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $47,239,459, make buying or refinancing simple. We offer competitive rates and flexible terms that cater to first-time buyers as well as seasoned homeowners looking to refinance.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $5,909,209 in loans helping members manage their finances effectively. These cards can be a great way to cover unexpected expenses or make everyday purchases while enjoying benefits like rewards and cash back.

Loan Aggregator

Finding the best loan rates can be overwhelming. LendMesh simplifies this process by providing real-time, unbiased comparisons of mortgage, auto, and personal loan rates from verified financial institutions. With a commitment to transparency and reliability, LendMesh is designed to help you make informed decisions regarding your financial needs. LendMesh ensures accurate loan comparisons by sourcing data directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards. This approach is based on the latest results (Source: https://www.ncua.gov), guaranteeing that users receive fair and transparent offers. One of the key features of LendMesh is its commitment to Verified Data. Loan offers are sourced from legitimate financial institutions, which means you can trust the information presented on the platform. Additionally, LendMesh does not utilize Sponsored Listings; lenders are not prioritized based on paid promotions. This ensures that all users see unbiased results tailored to their needs. Another significant advantage of using LendMesh is the Real-Time Rate Comparisons. Users have access to up-to-date loan rates from multiple institutions, making it easier to evaluate options and choose what best fits their circumstances. Thousands of users trust LendMesh for loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Ready to explore your options? Compare real-time loan offers today at LendMesh and find the best rates for your needs. *Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.*

Potlatch No 1 Financial