Potlatch No. 1 Credit Union Rathdrum ID | Affordable Auto Loans & Business Banking

Introduction

Welcome to Potlatch No. 1 Financial, your trusted partner in financial wellness, located at 14678 N Kimo Ct, Rathdrum, ID 83858. Since our establishment in 1938, we've been dedicated to providing exceptional financial services tailored to meet the needs of our community. With a thriving membership of over 127,000 individuals, we pride ourselves on fostering a welcoming environment where everyone can find their path to financial success. At Potlatch No. 1 Financial, we understand that managing your finances can sometimes feel overwhelming. That's why our team of friendly experts is here to guide you every step of the way. Whether you're looking for a new auto loan of which we have facilitated more than 71,684 loans and leases or need advice on saving for your future, we're committed to helping you achieve your goals. With total assets exceeding $2.14 billion and total deposits around $20,804,423, we stand strong in our commitment to not just serve but also empower our members financially. Our net worth of $178,949,775 reflects our stability and dedication to maintaining a secure banking experience for everyone who walks through our doors. While members can visit us at our branch location, official correspondence should be sent to PO BOX 897, Lewiston, ID 83501. If you have any questions or would like to discuss how we can assist you further, don't hesitate to reach out at (208) 746-8900. Our experienced team is ready to help you navigate your financial journey. Join us at Potlatch No. 1 Financial today! Explore how we can make your banking experience not only easier but also rewarding. Visit us online at p1fcu.org for more information on our services and membership opportunities. Your financial future starts here!

Branch History & Mission

Welcome to Potlatch No. 1 Financial, a community-focused credit union with a proud history that dates back to 1938. Since our founding, we have been dedicated to serving the financial needs of our members in Rathdrum, ID, and the surrounding areas. Our branch, located at 14678 N Kimo Ct, Rathdrum, ID 83858, has grown significantly over the years and now boasts a membership of over 127,000 individuals who trust us with their financial futures. Our mission is simple yet powerful: to empower our members through quality financial services while giving back to the communities we serve. We believe in creating meaningful connections and providing support that extends beyond just banking. This commitment drives us to offer a wide range of services including personal banking, auto loans, mortgages, and business banking solutions. We strive to ensure that every member feels valued and supported on their financial journey. As we evolved over the decades, we embraced technology and innovation to enhance our service offerings. Our digital advancements include online banking options and mobile payments that make managing finances easier than ever before. We also prioritize accessibility with ADA-compliant facilities and services designed for everyone in our community. While members can visit us at our physical location in Rathdrum, official correspondence should be sent to PO BOX 897, Lewiston, ID 83501. With an operating model that includes both ATM availability and drive-thru services, we aim to provide convenience alongside personalized customer care. We are proud of our partnerships with local organizations that allow us to give back through various community outreach efforts. Whether it's sponsoring local events or participating in educational programs, we actively engage in initiatives that strengthen our community ties. At Potlatch No. 1 Financial, we are more than just a credit union; we are your neighbors dedicated to helping you achieve your financial goals. If you're looking for a place where you can feel at home while receiving exceptional service, we invite you to join us. Experience the benefits of being part of a supportive community become a member today! For more information or assistance, don't hesitate to reach out at 208-746-8900.

Branch Location & Accessibility

Banking Hours That Fit Your Schedule

We understand that life can get busy! That's why our lobby hours are designed with your convenience in mind: we're open Monday through Thursday from 9 AM to 5:30 PM, Friday from 9 AM to 6 PM, and Saturday from 9 AM to 3 PM. Our drive-thru service operates Monday through Thursday from 8:30 AM to 5:30 PM and Friday from 8:30 AM to 6 PM. Whether you need help with personal banking services or have questions about loans and mortgages, our friendly team is here to assist you during these hours.

Convenient Access and Features

At Potlatch No. 1 Financial, we prioritize making your banking experience as smooth as possible. Our branch offers ample parking, including ADA-compliant accessibility features to ensure everyone can visit comfortably. If you prefer quick transactions, our drive-thru service is available, allowing you to manage your banking without leaving your vehicle. While members can visit us at our branch address, official correspondence should be sent to PO BOX 897, Lewiston, ID 83501 for any important documents or inquiries.

Get in Touch!

Ready to experience exceptional service? We invite you to visit us today at the Rathdrum Branch or give us a call at (208) 746-8900. Our dedicated team looks forward to helping you navigate your financial journey! For more information about our offerings and services, don't forget to check out our website at Potlatch No. 1 Financial. Your financial well-being starts here!

Services Offered

At Potlatch No. 1 Financial, we offer a variety of services tailored for individuals and businesses alike. From checking and savings accounts to auto loans, mortgage refinancing, credit cards with rewards, and business banking solutions there's something for everyone! Plus, enjoy easy access to ATM services right at our branch. If you're looking for shared services with partner credit unions or need assistance with basic transactions like deposits or withdrawals, we've got you covered too.

Member Eligibility

At Potlatch No. 1 Financial, we're excited to welcome you into our community of members who enjoy a more personal banking experience. Becoming a member is simple and fulfilling! If you live, work, worship, or attend school in Kootenai County or surrounding areas, you're likely eligible to join us. We believe in supporting our members and providing them with access to a wide range of financial services tailored just for you. To get started, you can easily check your eligibility by visiting our website at https://www.p1fcu.org/become-a-member. Once you're ready to open an account, the process is straightforward just head over to https://homebanking.p1fcu.org/p1fcu/sdk/autoenrollmente2e. Should you have any questions or need assistance, feel free to reach out at (208) 746-8900. Join us at Potlatch No. 1 Financial, located at 14678 N Kimo Ct Rathdrum Id 83858, and experience the benefits of being part of a credit union that truly cares!

Business Banking & Commercial Services

Loan Options for Growth

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 That Matter

Imagine having a reliable partner for your payment processing needs. Our merchant services simplify transactions so you can focus on what you do best running your business. From accepting credit cards to managing online payments, we provide tools that make financial interactions smooth and efficient. Whether you're just starting or looking to expand, Potlatch No. 1 Financial is dedicated to being a supportive ally in your journey. Visit us at 14678 N Kimo Ct Rathdrum Id 83858 or call us at (208) 746-8900 to learn more about how we can assist you!

Comprehensive List Of Services

Auto Loans and Vehicle Financing

Thinking about purchasing a new vehicle? Our auto loans and vehicle financing options make it easier for you to drive away in your dream car. With competitive rates and flexible terms, we ensure that financing doesn't become a hurdle in your journey.

Business Banking Services

If you're an entrepreneur, our business banking services, including merchant services and business loans, cater specifically to business needs. We understand the importance of having reliable financial support as you work towards growing your venture.

Convenient Access

Our branch also offers basic drive-thru banking for quick transactions like deposits and withdrawals. Additionally, if you're a member of a partner credit union, take advantage of our shared branch transactions for deposits and withdrawals at participating locations.

Credit Cards with Rewards

For those who love rewards, our credit cards come with benefits that add value to your everyday spending. Earn points on purchases that can be redeemed for travel, merchandise, or cashback it's like getting rewarded for what you already do!

Get Started Today

We invite you to experience all these services firsthand at Potlatch No. 1 Financial, conveniently located at 14678 N Kimo Ct Rathdrum Id 83858, or give us a call at (208) 746-8900 for more information. Visit us today to see how we can help you achieve your financial goals! For more details about becoming a member or opening an account online, check out our website at Rathdrum Branch.

Home Financing

If you're ready to settle into a new home, our mortgage loans and refinancing services are tailored just for you. We want to help you find the right mortgage solution that fits your budget. Plus, refinancing could lower your monthly payments or free up cash for other expenses.

Personal Banking Solutions

Starting with personal banking, we offer various options such as checking and savings accounts to help you manage your day-to-day finances. Imagine being able to easily access your funds through our online and mobile banking services. You can check balances, transfer money, and even pay bills from the comfort of your home or while on the go. Our ATM services also provide convenient access to cash whenever you need it.

Personal Loans

Life can throw unexpected expenses your way. Our personal loans and debt consolidation options are here to help you tackle those financial surprises without stress. Whether it's medical bills or home repairs, we can assist in making them manageable.

Digital & Online Banking

Key Services Offered

Through our user-friendly online banking platform, accessible at https://www.p1fcu.org/, you can easily check your account balances, pay bills, and transfer funds all from the comfort of your home or on the go. Plus, with 24/7 online banking services available, you're never far from your money when you need it. One standout feature is the ability to use electronic signatures for various transactions. This means you can authorize important documents without needing to visit a branch, making it easier than ever to manage your financial needs. And if you're looking to simplify your statements, we offer e-statements that allow you to view your financial summaries digitally no more paper clutter!

Mobile Banking Made Easy

For those who prefer mobile access, our dedicated mobile application makes banking even more convenient. You can quickly make person-to-person transfers or set up mobile payments with just a few taps on your phone. Whether you're out shopping or grabbing coffee, sending money to friends and family is fast and straightforward. Security is always a top priority at Potlatch No. 1 Financial. Our online banking platform is equipped with robust security measures to protect your information. You can feel confident knowing that your data is safe while you enjoy the ease of managing your finances. Join us at Potlatch No. 1 Financial today and experience the benefits of our comprehensive digital and online banking services. With everything from mobile payments to electronic signature authorization at your fingertips, managing your finances has never been easier!

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. With our strong financial foundation, you can trust that your savings and investments are in good 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, 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 $1,780,416,004 in total loans and leases. Although our net income currently stands at $0, this reflects our focus on operational efficiency, enabling us to continue offering 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 ready to assist you with expert guidance whenever you need it. Our net shares amount to $1,946,250, indicating funds available for lending and investments, while our total share accounts have grown to 245,485, showcasing the trust that our expanding member base has placed in us. 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 14678 N Kimo Ct Rathdrum Id 83858 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

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 it's a brand-new model or a reliable pre-owned vehicle, we are here to support your journey with financing options that suit your budget.

Business Financing

For business owners looking for growth opportunities, our outstanding commercial loans totaling $275,689,862 provide the capital needed to expand your business. We understand the unique challenges entrepreneurs face and strive to support you with tailored financial solutions.

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 various mortgage solutions that guide you through every step of the process helping you turn that dream into reality.

Refinancing Options

If you're considering refinancing any existing loans or want to explore eligibility options for our various loan products, don't hesitate to reach out. We're here to help you find what works best for your financial situation. At Potlatch No. 1 Financial located at 14678 N Kimo Ct in Rathdrum, ID 83858, we're committed to offering personalized service. For inquiries or assistance regarding our loan products, feel free to call us at 208-746-8900. 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 help you achieve your dreams through our diverse range of loan offerings today!

Unsecured Credit Card Loans

Managing day-to-day expenses can be challenging. That's why 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 attractive benefits to make everyday spending easier and more rewarding.

Loan Aggregator

How LendMesh Ensures Accurate Loan 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 means you can trust that the loan offers are fair and transparent. LendMesh focuses on several key areas to provide reliable comparisons: - Verified Data: All loan offers come from legitimate financial institutions. This verification process ensures you see only genuine offers, fostering a clear understanding of your options. - No Sponsored Listings: Unlike many other comparison tools, LendMesh does not prioritize lenders based on paid promotions. The aim is to deliver unbiased results so you can choose what's best for you. - Real-Time Rate Comparisons: Rates are updated continuously from multiple institutions, enabling you to view current offers at any time and helping you make well-informed decisions. Thousands of users trust LendMesh for their loan comparisons. One member shared their experience: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Such testimonials highlight the effectiveness of using a tool designed with user needs in mind. 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.

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