Potlatch No. 1 Credit Union Moscow ID | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Potlatch No. 1 Financial, your trusted partner in financial well-being since 1938. Located at 828 W Pullman Rd, Moscow, ID 83843, our branch is committed to serving the community with a personal touch and a range of financial services tailored just for you. With over 127,945 members and $2,145,789,869 in total assets, we are proud to be a cornerstone of support for families and businesses alike. Under the leadership of our dedicated CEO, Chris Lothseth, and Board President Tod Dickeson, we strive to create an environment where your financial goals can thrive. Our commitment goes beyond numbers; it's about building relationships within our community. Whether you're looking for personal banking options like checking accounts and auto loans or business services that include merchant services and business loans, we've got you covered. While members can visit us at our physical location in Moscow, please note that official correspondence should be sent to our mailing address: 828 W Pullman Rd, MOSCOW, ID 83843-2057. At Potlatch No. 1 Financial, we believe in transparency and reliability. With total deposits amounting to $20,804,423 and cash in hand of $36,225,591, we prioritize your peace of mind when it comes to managing your finances. Our membership growth reflects the trust placed in us by the community trust that we honor with every service we provide. Ready to take the next step towards your financial success? Feel free to reach out at (208) 892-1591 or visit our website at www.p1fcu.org. Join us today and experience the Potlatch difference!

Branch History & Mission

Community Commitment

Our growth has always been tied to our dedication to the community. With digital advancements such as online banking and mobile payments, we ensure that our members can access their finances with ease. We also maintain ADA compliance so everyone can use our facilities without barriers. We understand the importance of convenience; that's why we offer ATM availability and drive-thru banking services for quick transactions. We are here to meet your needs whether you're stopping by for a chat or using our self-service options.

Join Us

As we continue our journey from humble beginnings to a thriving credit union, we invite you to be part of our story. Experience the benefits of membership at Potlatch No. 1 Financial and discover how we can help you achieve your financial goals. Feel free to visit us during our operating hours Monday through Thursday from 8:30 AM to 5:30 PM, Friday until 6:00 PM, and Saturday from 9:00 AM to 3:00 PM or call us at 208-892-1591 for more information. Together, let's build a brighter financial future!

Our Mission

At Potlatch No. 1 Financial, our mission is straightforward: to provide reliable financial services while enhancing the well-being of our members and the community. We believe in fostering strong relationships and offering support through personal banking options like checking and savings accounts, auto loans, mortgages, and business loans. Our commitment to community engagement goes beyond finance; we actively participate in local events and initiatives that uplift those around us.

Branch Location & Accessibility

Accessibility Features

At Potlatch No. 1 Financial, we prioritize accessibility for all our members. Our branch is equipped with ADA-compliant features, including ramps and spacious parking areas that make it easy for everyone to visit us comfortably.

Convenient Location

Nestled near popular local spots, our Moscow branch is easy to find and access. You can swing by after visiting the nearby parks or grabbing a bite at one of the local eateries. We know how busy life can get, which is why our location is designed for your convenience.

Get in Touch

If you have any questions or need assistance, don't hesitate to call us at (208) 892-1591. Our team is always ready to help you navigate your financial journey. We look forward to welcoming you at Potlatch No. 1 Financial soon!

Operating Hours

We want to ensure you have plenty of time to take care of your banking needs. Our lobby hours are Monday through Thursday from 8:30 AM to 5:30 PM, and on Friday from 8:30 AM to 6:00 PM. For those who prefer a weekend visit, we're open Saturday from 9:00 AM to 3:00 PM!

Services Offered

When you visit us, you'll find a range of services tailored just for you! From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we've got you covered. Need quick cash? Our drive-thru service makes deposits and withdrawals simple and fast. Plus, enjoy the convenience of ATM access for balance checks and withdrawals any time. While members can visit us at 828 W Pullman Rd Moscow Id 83843, official correspondence should be sent to 828 W Pullman Rd, MOSCOW, ID 83843-2057.

Member Eligibility

At Potlatch No. 1 Financial, we believe that everyone deserves a supportive financial community, and becoming a member is your first step into that world! If you live, work, or worship in the areas we serve, or if you have a family member who is already a member, you're likely eligible to join us. We welcome individuals from all walks of life and offer a range of services designed to meet your financial needs. For more specific eligibility details, feel free to check out our website at Potlatch No. 1 Financial Membership. Opening an account with us is straightforward and can be done online. You'll find everything you need to get started at this link. If you have any questions along the way or just want to chat about membership benefits, don't hesitate to give us a call at 208-892-1591. We're here to help you every step of the way!

Business Banking & Commercial Services

At Potlatch No. 1 Financial, we understand that every business has unique needs and dreams. Whether you're a local startup or an established company in Moscow, ID, our business banking and commercial services are designed to support your growth. Imagine securing the financing you need to expand your operations or invest in new technology. 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. In addition to loans, our merchant services make daily transactions easier for your business. Imagine accepting payments seamlessly from customers whether they're shopping online or in-store. This way, you can focus on what truly matters growing your business. Visit us at 828 W Pullman Rd, Moscow, ID 83843 or call us at 208-892-1591 to learn how we can partner with you on your journey to success!

Comprehensive List Of Services

ATM Services

Need cash in a hurry? We have ATMs available for quick withdrawals and balance checks. You can also take advantage of our drive-thru banking for simple transactions like deposits or withdrawals without leaving your car. At Potlatch No. 1 Financial in Moscow, ID, we strive to provide not just services but solutions that fit into your lifestyle. With our friendly staff ready to assist you at every turn, reaching your financial goals has never been easier. If you're interested in learning more about how we can assist you or if you're ready to open an account today, feel free to reach out! Give us a call at 208-892-1591 or visit our website at www.p1fcu.org. Your journey toward better financial health starts here!

Business Banking

For entrepreneurs and business owners, Potlatch No. 1 Financial provides robust business banking solutions. Our merchant services make transactions easy and efficient, while our business loans can give you the capital needed to grow or start your venture.

Online and Mobile Banking

In today's fast-paced world, convenience is key. That's why we offer online and mobile banking services that allow you to manage your accounts anytime, anywhere. From making deposits and transfers to checking balances and paying bills, everything is just a few taps away on your smartphone or computer.

Personal Banking

For individuals seeking reliable financial management, our personal banking options are tailored just for you. Open a checking or savings account with us to help manage your day-to-day expenses and save for the future. If you're thinking about buying a new car or refinancing your current vehicle, our auto loans and vehicle financing can provide the support you need. We also offer mortgage loans and refinancing options that can help make your dream home a reality. If you're facing debt challenges, our personal loans and debt consolidation services are here to help you regain control of your finances. Plus, don't forget about our credit cards with rewards perfect for earning points on everyday purchases.

Digital & Online Banking

Key Features

Our online banking platform provides you with 24/7 access to your accounts, allowing you to check balances, pay bills, and transfer funds in real time. We also offer the convenience of e-statements, which means you can view your account statements electronically instead of waiting for them to arrive in the mail. Plus, with electronic signature authorization, signing documents is as simple as a click. For those on the go, our mobile application lets you manage your banking right from your smartphone. You can easily make person-to-person transfers to friends or family without needing cash or checks. And if you're into mobile payments, you'll be glad to know that we support this feature too!

Security and User-Friendliness

We prioritize your security with robust measures in place to protect your personal information. Our user-friendly interface ensures that even those who may not be tech-savvy can navigate their accounts effortlessly. Whether you're depositing a check through the app or setting up automatic payments, we've made sure that everything is straightforward and secure. At Potlatch No. 1 Financial, our goal is to empower you with tools that simplify your financial life while keeping everything safe. Explore all these features and more by visiting us online at https://www.p1fcu.org today!

Financial Strength

Growing Together

We have a robust member base with 245,485 total share accounts, showing that more people trust us with their finances every day. The funds available for lending and investments amount to $1,946,250 in net shares. 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 828 W Pullman Rd Moscow ID 83843 or call 208-892-1591 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings

Your savings are safe with us. 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.

Operational Efficiency

Our financial results reflect our operational efficiency. Although our net income stands at $0 currently, this allows us to focus on enhancing our offerings without compromising service quality. 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.

Reinvesting in Our Community

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; we have $29,835 in used auto loans and a total of $1,780,416,004 in loans and leases available to help you achieve what you desire.

Solid Financial Foundation

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.

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 also have options for refinancing if you're looking to lower your monthly payments or overall interest rate.

Business Financing

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 by offering customized solutions that fit your unique needs. At Potlatch No. 1 Financial located at 828 W Pullman Rd, Moscow ID 83843, we're here to assist you every step of the way. Feel free to call us at 208-892-1591 for personalized assistance or visit our website at p1fcu.org for more details about our loan offerings. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Your financial well-being is our priority!

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 provide guidance throughout the process and offer competitive rates to help you find the best fit for your financial situation.

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 build credit while having access to funds when you need them most.

Loan Aggregator

Benefits of Using LendMesh

Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. You can trust that the information you receive is up-to-date and reliable. No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. Every comparison is rooted in factual data, allowing users to focus solely on what matters: finding the best loan for their situation. Real-Time Rate Comparisons: Users benefit from up-to-date loan rates from multiple institutions, which helps them make informed decisions quickly. The ability to see current offers side by side empowers borrowers to choose wisely. 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!" Such testimonials highlight the impact of using a reliable comparison tool in today's lending environment. 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