Potlatch No. 1 Credit Union Osburn ID | Quick Personal Loans & ATM Services

Introduction

Welcome to Potlatch No. 1 Financial at our Osburn Branch, located at 730 E Mullan Ave, Osburn, ID 83849. Since our establishment in 1938, we've been dedicated to serving our community with trust and reliability. With a current membership of over 127,945 individuals, we pride ourselves on being a cornerstone of financial support in the area. At Potlatch No. 1 Financial, our total assets stand strong at $2,145,789,869, ensuring that we have the resources necessary to support our members' needs. We offer a range of services including checking and savings accounts, auto loans, mortgage financing, personal loans, and business banking options. With more than 411 employees working diligently for you, we strive to make your banking experience smooth and beneficial. While members can visit us at our Osburn location for all their banking needs, any official correspondence should be directed to our mailing address: PO Box 897, Lewiston, ID 83501. Our team is here to assist you during lobby hours from Monday to Thursday from 9 AM to 5:30 PM and Friday until 6 PM. Led by our CEO Chris Loseth and Board President Tod Dickeson, we are committed to fostering financial well-being within our community. Whether you're looking for a new loan or simply need assistance managing your account, we're just a phone call away at 208-746-8900. Join us at Potlatch No. 1 Financial today and discover how we can help you achieve your financial goals! For more information about becoming a member or opening an account, visit us online at p1fcu.org. We look forward to serving you!

Branch History & Mission

At Potlatch No. 1 Financial, we are proud of our rich history and strong commitment to serving our community in Osburn, Idaho. Established in 1938, our branch has grown alongside the members we serve, fostering a sense of trust and community spirit. Over the decades, we have expanded our reach and services while remaining dedicated to our founding mission: to provide accessible financial solutions that empower individuals and families. Located at 730 E Mullan Ave, Osburn, ID 83849, our branch is easily accessible for members and visitors alike. We are right at the heart of the community, surrounded by local landmarks that highlight the beauty and charm of Osburn. While members can visit us at this address, official correspondence should be sent to PO Box 897, Lewiston, ID 83501. Our mission is clear: we strive to deliver exceptional financial services while actively contributing to the well-being of our community. With over 127,945 members and total assets exceeding $2.14 billion, Potlatch No. 1 Financial has become a cornerstone in the financial landscape of Idaho. Our commitment extends beyond just banking; we aim to support local initiatives and partnerships that foster growth and prosperity within our neighborhoods. As technology has advanced, so have we. Our branch offers convenient online and mobile banking options, enabling members to manage their finances with ease. Additionally, we prioritize accessibility through ADA-compliant facilities and services. With an ATM on-site and drive-thru banking available for quick transactions, we're here to meet your needs efficiently. Community outreach is central to who we are. We work closely with local organizations to support various initiatives that uplift those around us. Whether through financial education programs or sponsorship of local events, our goal is to make a meaningful impact in the lives of our members and neighbors. We invite you to join Potlatch No. 1 Financial today! Experience firsthand how our commitment to service can enhance your financial journey while being part of a caring community dedicated to helping each other thrive. Visit us or call 208-746-8900 for more information about becoming a member. Together, let's build a brighter future!

Branch Location & Accessibility

Easy Access for Everyone

At Potlatch No. 1 Financial, we prioritize accessibility for all members. Our branch features ADA-compliant facilities, including ramps and designated parking spaces to ensure that everyone can visit us with ease. Whether you're stopping by for a quick transaction or need assistance with your banking needs, our team is ready to help.

Operating Hours Tailored for You

We understand that life can be busy. That's why we offer flexible operating hours designed to fit your schedule. Visit us Monday through Thursday from 9 AM to 5:30 PM and on Fridays from 9 AM to 6 PM. If you prefer to use our drive-thru service, it's open Monday through Thursday from 8:30 AM to 5:30 PM and until 6 PM on Fridays.

Services Designed for Your Needs

At the Osburn Branch, we provide a variety of services tailored just for you. From personal checking and savings accounts to auto loans and mortgage options, we've got your financial needs covered. Plus, enjoy the convenience of ATM access and shared banking services with partner credit unions. If you have any questions or need assistance, don't hesitate to reach out! Give us a call at 208-746-8900, or better yet come visit us in person! We look forward to welcoming you soon at Potlatch No. 1 Financial in Osburn.

Member Eligibility

At Potlatch No. 1 Financial, we believe that everyone deserves a chance to be part of a caring and supportive financial community. Joining us is simple! If you live, work, or worship in our local area, you're likely eligible to become a member. We welcome individuals who share our commitment to building strong financial futures together. For those interested in learning more about the specific eligibility criteria, feel free to check out our detailed guide at https://www.p1fcu.org/become-a-member. Opening an account with us is just as easy. Whether you're looking for a checking account, savings options, or loans, we have something for everyone. You can start your journey with us by visiting this link: https://homebanking.p1fcu.org/p1fcu/sdk/autoenrollmente2e. If you have any questions or need assistance, don't hesitate to reach out at (208) 746-8900. We're excited to help you take the first step toward becoming a valued member of Potlatch No. 1 Financial, located at 730 E Mullan Ave Osburn Id 83849!

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 addition to loans, our merchant services simplify payment processing for your business. Imagine a busy day where customers can easily pay with their cards, making transactions smooth and quick. This means happier customers and more time for you to focus on what you do best running your business. Located at 730 E Mullan Ave Osburn Id 83849 in Osburn, ID, we're here to assist you in reaching your goals. For more information, give us a call at (208) 746-8900 or visit us online at https://www.p1fcu.org/. Let's work together to unlock the full potential of your business!

Comprehensive List Of Services

ATM & Drive-Thru Access

For those who prefer in-person transactions, we have an accessible ATM and basic drive-thru banking available for deposits and withdrawals. This makes it easy for you to access your funds without stepping inside the branch during busy hours.

Business Banking Services

For our business members, we offer comprehensive banking solutions including merchant services and business loans tailored to help your business thrive. We understand the unique challenges small businesses face and are committed to supporting your growth.

Convenient Online & Mobile Banking

In today's fast-paced world, convenience is key. That's why we provide robust online and mobile banking features, allowing you to manage your accounts anytime, anywhere. You can easily check balances, transfer funds, pay bills, and even send money directly to friends through our person-to-person payment service.

Credit Options with Benefits

At Potlatch No. 1 Financial, we know that having access to credit is essential for many members. Our credit cards with rewards provide you with benefits while allowing you to make everyday purchases efficiently. With flexible repayment options, you'll find the perfect card that meets your lifestyle.

Personal Banking Solutions

We understand that managing your finances is important. That's why we offer various personal banking options including checking and savings accounts tailored to fit different lifestyles. If you're planning a big purchase or need extra cash, our auto loans and vehicle financing options are designed to get you on the road without the stress. Are you considering buying a home? Our mortgage loans and refinancing services make it easier than ever to secure your dream house or lower your monthly payments on an existing mortgage. Additionally, our personal loans and debt consolidation solutions can help streamline your finances by combining multiple debts into one manageable payment.

Shared Branch Transactions

If you're a member of another participating credit union, don't worry! We offer basic shared branch transactions that allow you to conduct deposits and withdrawals conveniently. We invite you to explore all these services and more at Potlatch No. 1 Financial in Osburn. Experience personalized service from our dedicated team who genuinely care about helping you achieve your financial goals. For more information or assistance with opening an account, feel free to visit us in person or check out our website at www.p1fcu.org. Let's work together towards a brighter financial future!

Digital & Online Banking

Key Features

One of the standout features we offer is electronic signature authorization. This means you can sign documents securely from home without needing to visit a branch. It's quick and easy, allowing you to handle important transactions without any hassle. We also provide e-statements, which are a great way to keep track of your finances while reducing paper clutter. You'll receive your statements electronically, making it easier to stay organized and monitor your spending. For those who love modern conveniences, our mobile payments feature allows you to make purchases directly from your phone. Whether you're shopping or dining out, simply tap to pay and enjoy the ease of cashless transactions. Need to send money to a friend? Our person-to-person transfer service makes it simple to send funds instantly. Just a few taps on your device, and the money is sent! At Potlatch No. 1 Financial, we're committed to providing secure services that fit into your lifestyle. With all these features combined along with our focus on accessibility you'll find managing your finances is not just straightforward but also enjoyable. So why wait? Start exploring all that digital banking has to offer today!

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 understand that your trust in us goes hand in hand with our commitment to maintaining strong financial health. 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, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity is robust; we have provided $29,835 in used auto loans and have a total of $1,780,416,004 in loans and leases available to support your financial goals across various sectors. Our operational efficiency is highlighted by our reported net income of $0, reflecting our focus on long-term stability rather than short-term profits. 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. We have a healthy net shares balance of $1,946,250, which helps fund lending and investments for our members. Furthermore, the number of total share accounts stands at 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 730 E Mullan Ave Osburn Id 83849 or call 208-746-8900 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

Additional Offerings

For business owners looking to expand their operations, our outstanding commercial loans totaling $275,689,862 provide essential capital to grow your business. We also offer personal loans for debt consolidation and other personal financing needs. If you're interested in refinancing your existing loans or want to know if you're eligible for any of our products, feel free to reach out! You can contact us at 208-746-8900 for more information. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Visit us at our branch located at 730 E Mullan Ave Osburn ID 83849, and let us help you find the right loan product for your needs today!

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry. We've already issued $550,451,895 in used vehicle loans and $216,238,610 in new vehicle loans, helping members get on the road with confidence. Whether you're interested in financing a brand-new model or a reliable pre-owned vehicle, we have options for you.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $47,239,459. With our straightforward application process and competitive rates, owning a home is more accessible than ever.

Unsecured Credit Cards

Managing everyday expenses can be challenging. That's why we provide flexible terms on unsecured credit card loans. With a total of $5,909,209 in loans available, our credit cards can help you handle finances effectively without the burden of collateral requirements.

Loan Aggregator

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Potlatch No 1 Financial