Potlatch No. 1 Credit Union Post Falls ID | Affordable Vehicle Loans & Business Banking

Introduction

Welcome to Potlatch No. 1 Financial, your trusted credit union located at 3031 E Mullan Ave, Post Falls, ID 83854. Since opening our doors in 1938, we have been dedicated to serving the financial needs of our community and fostering lasting relationships with our members. With a membership base of over 127,000 individuals, we take pride in being a part of your financial journey. At Potlatch No. 1 Financial, we understand that every member's needs are unique. That's why we offer a wide range of services from checking and savings accounts to auto loans, mortgages, and business banking solutions. Our total assets amount to an impressive $2,145,789,869, which reflects our commitment to providing you with the best financial products and services available. Our leadership team is here to support you every step of the way. Under the guidance of CEO Chris Loseth and Board President Tod Dickeson, our dedicated staff of 411 employees works tirelessly to ensure that your experience is both pleasant and productive. With a net worth of $178,949,775 and total deposits exceeding $20,804,423, we are well-equipped to help you achieve your financial goals. While members can visit us at our branch location in Post Falls for all their banking needs, official correspondence should be sent to our mailing address: PO BOX 3432, POST FALLS, ID 83877. We invite you to explore how Potlatch No. 1 Financial can make a positive impact on your financial future. For more information or assistance, please reach out to us at (208) 777-7090 or visit our website at www.p1fcu.org. Join us as we continue to build a stronger community together!

Branch History & Mission

A Forward-Thinking Approach

In today's fast-paced world, we understand the importance of accessibility and convenience in banking. That's why we've embraced digital advancements such as online banking and mobile applications that allow you to manage your finances anytime, anywhere. Our focus on ADA compliance ensures that all members can access our services comfortably.

Commitment to Community

At Potlatch No. 1 Financial, we believe that being a good neighbor means more than just providing financial services. We actively engage in community outreach programs and partnerships that uplift local initiatives. This commitment extends beyond mere donations; it's about building relationships with local organizations and finding ways to make a lasting impact. While members can visit us at our branch address in Post Falls, official correspondence should be sent to PO BOX 3432, POST FALLS, ID 83877 if necessary.

Join Us!

As we continue this journey together, we invite you to join Potlatch No. 1 Financial. Experience firsthand the benefits of being part of a credit union that truly cares about its members and their financial well-being. Whether you're looking for personal loans or business solutions, our dedicated team is here to support you every step of the way. For more information or to become a member today, visit our website or give us a call at (208) 777-7090. Together, let's build a brighter financial future!

Our Evolution

Since opening our doors, Potlatch No. 1 Financial has continuously evolved to meet the needs of our members. From humble beginnings, we've expanded our services to include personal banking options like checking and savings accounts, auto loans, mortgages, and business banking solutions. Our mission is simple yet profound: to empower our members with quality financial tools while fostering a sense of community and belonging. Our operating hours are designed to accommodate busy schedules Monday through Thursday from 9:00 AM to 5:30 PM and Fridays until 6:00 PM. For those on-the-go, we offer both ATM access and drive-thru banking services for quick transactions.

Branch Location & Accessibility

Accessibility Features

We understand the importance of accessibility. Our branch features ADA-compliant facilities, including ramps and designated parking spots for those with disabilities. You can count on us for a welcoming experience.

Call to Action

Ready to take the next step? Visit us at our Post Falls Branch or give us a call at 208-777-7090. We look forward to serving you and helping you achieve your financial dreams!

Operating Hours

We are here for you Monday through Thursday from 9:00 AM to 5:30 PM and on Fridays until 6:00 PM. Our friendly staff is ready to assist you during these hours.

Services Offered

At Potlatch No. 1 Financial, we provide a range of services designed to meet your financial needs. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we have you covered. Plus, our ATM is available for cash withdrawals and balance checks anytime you need it. If you're looking for basic banking services without stepping inside, our drive-thru banking offers a convenient way to handle deposits and withdrawals quickly.

Member Eligibility

Becoming a member of Potlatch No. 1 Financial is like joining a family that truly cares about your financial well-being. If you're looking to take the next step in your financial journey, you'll be pleased to know that membership is open to anyone who lives, works, worships, or attends school in the Kootenai County area. This means that whether you're new to the community or have been here for years, there's a place for you at our branch. Not only do we offer competitive rates on loans and savings accounts, but we also provide personalized service to help you reach your financial goals. The process of opening an account is straightforward and welcoming! You can start by visiting our website for more details on eligibility at https://www.p1fcu.org/become-a-member. If you're ready to get started, check out our easy account opening process at https://homebanking.p1fcu.org/p1fcu/sdk/autoenrollmente2e. Have questions? Don't hesitate to give us a call at (208) 777-7090; we're here to help! Join us at Potlatch No. 1 Financial, located at 3031 E Mullan Ave Post Falls Id 83854, and experience the benefits of being part of a supportive financial community.

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 having a reliable partner that not only helps you accept various forms of payment but also ensures your transactions are secure and efficient. With Potlatch No. 1 Financial's merchant services, you can focus on what matters most growing your business. Located at 3031 E Mullan Ave Post Falls ID 83854, we're here to support your business journey every step of the way. Reach out at 208-777-7090 or visit us online at Potlatch No. 1 Financial to learn more about how we can assist you today!

Comprehensive List Of Services

Auto Loans & Vehicle Financing

If you're considering purchasing a new car or refinancing an existing vehicle loan, our auto loans provide flexible terms and competitive rates. We understand that buying a car is a big decision, which is why our experienced team is here to guide you through every step of the process. Picture yourself driving off in your dream car while enjoying manageable monthly payments tailored to fit your budget.

Business Banking

For entrepreneurs and business owners, we provide comprehensive business banking services including merchant services and business loans designed to support growth. Whether you're starting out or expanding your operations, we have the tools and resources necessary for your success.

Convenient Access

We know convenience matters. That's why at Post Falls Branch, you'll find ATM access for quick withdrawals and balance checks, as well as basic drive-thru banking services for deposits and withdrawals without leaving your vehicle. Our branch hours are designed with you in mind: we're open Monday through Friday with extended hours on Fridays to better serve you. If you'd like more information about any of our services or wish to become a member of Potlatch No. 1 Financial, don't hesitate to reach out! Call us at (208) 777-7090 today or visit our website at https://www.p1fcu.org/. We look forward to assisting you on your financial journey!

Credit Cards with Rewards

Make everyday purchases work for you with our credit cards that offer rewards. Whether you're shopping for groceries or planning a vacation, earn points on every purchase that can be redeemed for cash back, travel, and more! This is just one way we help you get more out of your spending.

Mortgage Loans & Refinancing

For those looking to buy a home or refinance their current mortgage, we offer various mortgage products that cater to different needs. Whether you're a first-time homebuyer or looking to tap into equity for renovations, our mortgage specialists will help you find the right solution. With personalized service and expert advice, we aim to make your home-buying experience as smooth as possible.

Personal Banking

When it comes to personal banking, we offer checking and savings accounts that are tailored to your lifestyle. Imagine having easy access to your funds through our user-friendly online and mobile banking platforms. You can check balances, transfer money, and pay bills all from your smartphone. Our accounts come with no hidden fees and competitive interest rates, making saving money easier than ever.

Personal Loans & Debt Consolidation

Life can throw unexpected expenses your way. That's where our personal loans come in handy. These loans can be used for anything from medical bills to vacations or debt consolidation. Imagine being able to streamline your finances by combining multiple debts into one easy payment at a lower interest rate our team is ready to assist you with this process.

Digital & Online Banking

Accessibility and Mobile Features

Our commitment to accessibility continues with our mobile application. Whether you're on the go or relaxing at home, you can manage your finances directly from your smartphone or tablet. Plus, with mobile payments enabled, you can make purchases quickly and securely without needing cash or cards. Need to send money to friends or family? Our person-to-person transfer feature allows you to send funds instantly, making it easier than ever to share expenses or gifts.

Always Available Support

With 24/7 online banking services, you can access your accounts whenever it suits you best. There's no need to worry about business hours your finances are always within reach. At Potlatch No. 1 Financial, we prioritize your safety and ease of use in every service we provide. Join us today and experience the benefits of modern banking tailored just for you!

Key Features

With our online banking services available at Potlatch No. 1 Financial, you can easily check your account balance, pay bills, and transfer funds with just a few clicks. We also provide electronic signature authorization, making it easier for you to sign documents securely without the hassle of printing and scanning. For those who prefer going paperless, our e-statements feature is perfect for receiving your account statements electronically. You'll have access to your financial information right at your fingertips while helping the environment.

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 pride ourselves on being a reliable partner in your financial journey, ensuring that you can save, borrow, and invest with confidence. Our robust financial performance is a testament to our commitment to our members. 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. This solid foundation is reflected in our net worth ratio of 833, demonstrating our ability to support loans and provide competitive savings options even during uncertain economic times. Members' savings are secured through $643,273,667 in share certificates and $272,322,964 in money market shares, providing stable and rewarding growth opportunities for your hard-earned money. Unlike traditional banks that may prioritize profits over people, we focus on our members. With non-member deposits at $5,000,000, we ensure that our resources are directed towards benefiting you through improved loan rates and exclusive perks. In addition to safeguarding your funds, we have $156,412,458 in undivided earnings that allow us to reinvest in innovative banking tools and stronger lending options. Our capacity to lend is evident with $29,835 in used auto loans and a total of $1,780,416,004 across all loans and leases supporting your financial goals across various sectors. Despite facing challenges like many others in the industry, our operations remain efficient with a recorded net income of $0, reflecting our commitment to maintaining strong financial practices while continuing to serve our members effectively. We also take pride in having 403 full-time employees and 8 part-time employees, ensuring that we have a knowledgeable team ready to assist you whenever you need it. The trust placed in us by our growing member base 245,485 total share accounts further highlights our dedication to serving the community. Our financial strength means we can continue serving you with confidence. Whether you're saving for a new car or planning your future investments, Potlatch No. 1 Financial is here as your trusted partner. Visit us at 3031 E Mullan Ave Post Falls ID 83854 or call us at 208-777-7090 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. Whether you're interested in financing a brand-new vehicle or a reliable used one, we can tailor an auto loan that fits your budget.

Business Financing

For business owners in our community, our outstanding commercial loans totaling $275,689,862 are available to provide the capital needed for growth and expansion. We understand that every business has unique needs; our dedicated team will work with you to find the right financing solutions.

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, designed for both first-time buyers and seasoned homeowners looking to refinance. Our team is here to guide you through every step of the process.

Refinancing Options

If you're considering refinancing any existing loans or credit lines with us at Potlatch No. 1 Financial, we have various eligibility options available to suit your circumstances. Contact us for more details on how we can assist you in restructuring your debt efficiently. Whether you're looking for an auto loan at our branch located at 3031 E Mullan Ave Post Falls ID 83854, or exploring mortgage options over the phone at 208-777-7090, we're committed to helping you navigate your financial journey with ease. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. At Potlatch No. 1 Financial, we're here to support you every step of the way!

Unsecured Credit Card Loans

We also provide flexible terms on unsecured credit card loans. With a total of $5,909,209 in these loans helping members manage their finances effectively, you can enjoy the convenience of cashless transactions while earning rewards on your purchases.

Loan Aggregator

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Potlatch No 1 Financial