Potlatch No. 1 Credit Union Ponderay ID | Quick Personal Loans & Business Banking

Introduction

Welcome to Potlatch No. 1 Financial at our Ponderay Branch, located conveniently at 476864 Highway 95 Ste D, Ponderay, ID 83852. With a rich history dating back to 1938, we have proudly served our community for over eight decades. Our commitment to providing exceptional financial services is reflected in our growing membership of 127,945 individuals who trust us with their banking needs. At Potlatch No. 1 Financial, we understand that every member has unique goals and dreams. That's why we offer a wide range of services including checking and savings accounts, auto loans, mortgages, personal loans, and business banking solutions. With total assets exceeding $2.14 billion and deposits totaling $20,804,423, we are well-positioned to support you in achieving your financial aspirations. Led by our dedicated CEO, Chris Loseth, and Board President Tod Dickeson, our team of 411 employees is committed to fostering a welcoming environment where everyone can feel confident about their financial choices. Additionally, with over 71,684 loans and leases currently being managed, we take pride in the positive impact we have on our members' lives. While members can visit us at our Ponderay branch for personalized service, official correspondence should be sent to PO BOX 423, PONDERAY, ID 83852. Our friendly staff is available during lobby hours from 9:00 AM to 5:30 PM Monday through Thursday and until 6:00 PM on Fridays. Feel free to reach out at 208-255-5493 or explore more about our offerings at our website. Join us today as we strive together towards financial wellness! Whether you're looking for a new loan or simply want to discuss your options, we're here for you every step of the way.

Branch History & Mission

At Potlatch No. 1 Financial, we believe in building a strong foundation for our community and members, and our story reflects that commitment. Established in 1938, our Ponderay Branch has been a cornerstone of financial support for nearly a century. Located at 476864 Highway 95 Ste D, Ponderay, ID 83852, we are proud to serve a vibrant community where everyone is valued. Over the years, Potlatch No. 1 Financial has evolved significantly. From our humble beginnings to becoming a trusted partner for over 127,945 members today, our growth has been driven by our dedication to providing exceptional financial services. With total assets amounting to $2,145,789,869, we have established ourselves as a reliable institution that prioritizes the needs of our members. Our mission is clear: to empower individuals and families with the financial tools they need to thrive. We provide a wide array of services including personal banking options like checking and savings accounts, auto loans, mortgages, personal loans, credit cards with rewards, and business banking solutions. Our focus extends beyond just transactions; we aim to enhance the lives of our members through education and support. While members can visit us at 476864 Highway 95 Ste D, official correspondence should be sent to PO BOX 423, Ponderay, ID 83852 if necessary. Our branch operates with convenience in mind our lobby hours are Monday through Thursday from 9:00 AM to 5:30 PM and Friday from 9:00 AM to 6:00 PM. We also offer ATM services for quick access to funds. At Potlatch No. 1 Financial, we understand that community means more than just business; it's about forming lasting relationships. We actively engage in local initiatives and partnerships that support growth and development within Ponderay and beyond. Our commitment to ADA compliance ensures that all members feel welcome and can access our services with ease. We invite you to experience the benefits of being part of Potlatch No. 1 Financial. Join us today and discover how we can help you achieve your financial goals while being an integral part of our community's future. For more information or to become a member, please visit us online at Potlatch No. 1 Financial or give us a call at 208-255-5493. Your journey towards financial empowerment begins here!

Branch Location & Accessibility

Accessibility Features

At our Ponderay location, we prioritize accessibility for all our members. The branch features ADA-compliant entrances and ramps, ensuring everyone can visit us comfortably. Parking is ample and easily accessible, so you won't have to worry about finding a spot during busy times.

Connect with Us

Ready to experience exceptional service? Feel free to call us at 208-255-5493 or stop by today! We're excited to assist you with all your financial needs and help you become part of our growing family at Potlatch No. 1 Financial.

Operating Hours & Services

We understand that life can get hectic, which is why our lobby hours are designed to fit your schedule. We're open Monday through Thursday from 9:00 AM to 5:30 PM and extend our hours on Friday until 6:00 PM. Whether you need assistance with personal banking, auto loans, mortgages, or business services, our dedicated team is here to help. In addition to our friendly service inside the branch, we also offer convenient ATM access for quick cash withdrawals and balance checks whenever you need them. While members can visit us at 476864 Highway 95 Ste D for all their banking needs, official correspondence should be sent to PO BOX 423, PONDERAY, ID 83852.

Member Eligibility

Joining the Potlatch No. 1 Financial community is more than just opening an account; it's about becoming part of a supportive family that values your financial well-being. To be eligible for membership at our Ponderay branch, you simply need to live, work, worship, or attend school in the areas we serve. This includes anyone who has family ties to existing members or those who are employed by specific organizations associated with us. We believe everyone deserves access to personalized banking services that make a difference in their lives. Getting started is easy! You can find all the details on how to become a member by visiting our eligibility page at this link. Once you're ready, opening an account is just a few clicks away through our online platform here: account opening. If you have any questions, feel free to give us a call at 208-255-5493. We're excited to welcome you into our community at 476864 Highway 95 Ste D, Ponderay, ID 83852!

Business Banking & Commercial Services

Merchant Services That Work for You

In today's fast-paced market, having reliable merchant services can make all the difference. Our payment processing solutions help streamline transactions so you can focus on what you do best running your business. Picture this: a customer walks into your store, makes a purchase, and thanks to our efficient payment systems, the transaction is seamless and quick. This not only enhances customer satisfaction but also boosts your bottom line. Let us partner with you on your business journey at Potlatch No. 1 Financial, located at 476864 Highway 95 Ste D Ponderay Id 83852 in Ponderay, ID. Reach out to us at (208) 255-5493 to learn more about how we can help your business thrive!

Tailored 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.

Comprehensive List Of Services

Business Solutions

For our business members, we provide essential services such as Merchant Services & Business Loans that help support and grow your enterprise. We believe that small businesses are vital to our community's success, and we're dedicated to helping them thrive.

Convenience at Your Fingertips

With an ATM available for cash withdrawals and balance checks, managing your finances is straightforward and hassle-free. And if you prefer the convenience of digital transactions, our mobile payments feature makes it easy to pay bills or send money directly from your smartphone. At Potlatch No. 1 Financial, we're more than just a credit union; we're a partner in your financial journey. With dedicated service hours from Monday through Friday M-T 9:00 am - 5:30 pm and F 9:00 am - 6:00 pm you'll always find someone ready to assist you. Ready to take the next step? Visit us today at 476864 Highway 95 Ste D Ponderay Id 83852 or call us at (208) 255-5493. Discover how we can help you achieve your financial goals!

Financing Your Dreams

If you're in the market for a vehicle, look no further than our Auto Loans & Vehicle Financing options. We provide competitive rates and flexible terms to make sure you can drive away with confidence. For those considering homeownership or refinancing their current mortgage, our Mortgage Loans & Refinancing services are designed to guide you through the process smoothly and efficiently. We know purchasing a home is a significant step, and we're here to support you with personalized service.

Personal Banking Made Easy

When it comes to personal banking, we understand that every member has unique needs. That's why we offer Checking & Savings Accounts designed with you in mind, ensuring you have the right tools for managing your finances. Imagine being able to effortlessly track your spending while saving for future goals all through our user-friendly Online & Mobile Banking platforms. You can access your accounts anytime, anywhere, whether you're at home or on the go.

Support When You Need It

Life can be unpredictable, and sometimes unexpected expenses arise. Our Personal Loans & Debt Consolidation options offer a way for you to manage those costs without added stress. Plus, with our Credit Cards with Rewards, you can earn points on everyday purchases turning your spending into savings!

Digital & Online Banking

Accessible Anytime

Whether you're at home or out and about, our online banking services empower you with real-time account management. No more waiting in lines or rushing to the bank before closing time; everything you need is just a click away. Join us at Potlatch No. 1 Financial and experience the ease of modern banking!

Key Features for Your Convenience

Our online banking services include a range of user-friendly features that cater to all your banking needs. You can easily view your account balances, transfer funds, and pay bills all from the comfort of your home or on the go. Need to send money to a friend? Our person-to-person transfer feature makes it simple and quick. For those who prefer managing their finances through their mobile devices, our mobile application offers all the same great features with added convenience. Plus, with mobile payments enabled, making purchases directly from your phone has never been easier.

Security You Can Trust

We prioritize your security with electronic signature authorization for transactions, ensuring that only you have access to your sensitive information. Additionally, e-statements are available for members who want a more eco-friendly way to keep track of their financial statements without compromising security.

Financial Strength

Growing Member Base

Total Share and Deposit Accounts stand at 245,485, showing a strong and growing member base that trusts us with their finances. Net Shares available for lending and investments amount to $1,946,250, further emphasizing our commitment to serving you effectively. 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 476864 Highway 95 Ste D Ponderay Id 83852 or call 208-255-5493 to learn more about how we can help you achieve your financial goals.

Investing in Our Members

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 supports your financial goals with $29,835 in used auto loans and a total of $1,780,416,004 in loans and leases across various sectors. Our operational efficiency is reflected in our net income of $0, which allows us to continue providing competitive loan rates and solid financial products for our members. 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 team.

Secure Savings Options

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.

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.

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 flexible terms and competitive interest rates designed to fit various budgets.

Business Loans

For business owners, our outstanding commercial loans totaling $275,689,862 provide the capital needed to grow and expand. We understand that every business has unique financing needs and are committed to helping you find the right solution.

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. Whether you're a first-time homebuyer or looking to refinance an existing mortgage, our experienced team is here to guide you through every step of the process.

Refinancing Options

In addition to our standard loan offerings, we provide refinancing options for auto loans and mortgages. If you're looking for ways to lower your monthly payments or reduce your interest rate, be sure to ask about our eligibility requirements and how we can assist you. At Potlatch No. 1 Financial located at 476864 Highway 95 Ste D Ponderay ID 83852, our knowledgeable staff is ready to assist you with any questions you may have about our loan products. For more information or assistance with applications, feel free to call us at 208-255-5493. 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 online at Potlatch No. 1 Financial to explore our loan offerings further!

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. Our credit cards come with rewards and benefits that can help you maximize your spending power while staying within your budget.

Loan Aggregator

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Ensuring Accurate Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov). This ensures that every offer presented is fair and transparent, allowing users to trust the information they receive.

Potlatch No 1 Financial