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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Potlatch No 1 Financial Credit Union Rates & Review September 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: September 12, 2026
Potlatch No 1 Financial Credit Union's 60 Month CD rates are at 3.85%, 60 month IRA CD Account rates are at 3.85%, 48 Month CD rates are at 3.80%, 48 month IRA CD Account rates are at 3.80%, 36 Month CD rates are at 3.75%. Potlatch No 1 Financial Credit Union's savings rates are at 0.05%. Potlatch No 1 Financial Credit Union's money market rates are at 0.45%. Potlatch No 1 Financial Credit Union's Personal Loan Rates are as low as 10.99%. MonitorBankRates evaluates the financial stability of Potlatch No 1 Financial Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.69%. Rates last updated and verified on 09/12/2026. Potlatch No 1 Financial Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Potlatch No 1 Financial Credit Union? Share your experience about Potlatch No 1 Financial Credit Union by leaving a review below, or read customer reviews before you decide to use Potlatch No 1 Financial Credit Union. Potlatch No 1 Financial Credit Union
Administration Building 1025 WARNER AVE
https://www.p1fcu.org LEWISTON, ID 83501 
Potlatch No 1 Financial Credit Union CD Rates
Potlatch No 1 Financial Credit Union Savings Rates
Potlatch No 1 Financial Credit Union Money Market Rates
Potlatch No 1 Financial Credit Union Checking Rates
Potlatch No 1 Financial Credit Union Auto Loan Rates
Potlatch No 1 Financial Credit Union RV, Boat and Powersport Loan Rates
Potlatch No 1 Financial Credit Union Personal Loan Rates
Potlatch No 1 Financial Credit Union Other Rates
Financial Health HistoryPotlatch No 1 Financial Credit Union’s Texas Ratio stayed near 2.80% in Q2 2023 to 2.69% in Q1 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
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How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Potlatch No 1 Financial Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Potlatch No 1 Financial Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Potlatch No 1 Financial Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Potlatch No 1 Financial Credit Union
Website
https://www.p1fcu.org
Address
1025 WARNER AVE,
LEWISTON, ID 83501
Phone
208-746-8900
Fax
208-746-1269
President
Tod Dickeson
CEO
CHRIS LOSETH
Full-Time Employees
373
Part-Time Employees
7
Branch Locations
28
ATM Locations
27
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
2.69%
Return on Assets (ROA)
0.1509%
Return on Equity (ROE)
1.7199%
Non-Performing Loans Ratio (NPL)
0.32%
Total Assets
2,154,680,284
Total Amount of Shares and Deposits
1,870,933,494
Total Shares and Deposits < 1 Year
1,791,688,065
Total Shares and Deposits 1 3 Years
47,407,743
Total Shares and Deposits > 3 Years
31,837,686
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
198,198,329
Total Uninsured Shares and Deposits > $250K (F+J)
198,198,329
Total Insured Shares and Deposits > $250K (item 17 less item K)
1,672,735,165
Total Interest Expense (Sum of items 6 8)
10,711,859
Share Certificates
13,575
Number of Accounts for Share Drafts
80,229
IRA KEOGH Accounts
2,782
Number of Accounts for Regular Shares
142,538
All other shares
418
Non Member Deposits
1
Money Market Shares
7,283
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
57,359,589
Total Liabilities
1,999,790,879
Source: NCUA — Last Updated 03/31/2026
Customer Reviews
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Frequently Asked Questions About Potlatch No 1 Financial Credit UnionHow many branches does Potlatch No 1 Financial Credit Union operate?Potlatch No 1 Financial Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join Potlatch No 1 Financial Credit Union?Yes, to access services at Potlatch No 1 Financial Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, Potlatch No 1 Financial Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Potlatch No 1 Financial Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Potlatch No 1 Financial Credit Union offer online and mobile banking?Most modern institutions like Potlatch No 1 Financial Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.p1fcu.org. Current Potlatch No 1 Financial Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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