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Potlatch No 1 Financial Credit Union Rates & Review October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
  • Automated Online Rate Data Aggregation
  • Location-Based Rate Tables
  • Bank & Credit Union Health Safety Ratings
  • Bank & Credit Union Star Ratings
  • Finance Calculators
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 →
| iEditorial Disclosure
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: October 10, 2026

Potlatch No 1 Financial Credit Union's top rates as of October 10, 2026 are 4.20% APY on its 36 Month CD, 0.05% APY on savings, 3.49% APY on money market accounts, 3.50% APY on checking, and personal loans from 10.99% APR, according to rates verified by MonitorBankRates. Other Potlatch No 1 Financial Credit Union CD rates include 36 Month IRA CD at 4.20%, 48 Month CD at 4.20%, and 48 Month IRA CD at 4.20%. 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 3.49%. Rates last updated and verified on 10/10/2026.

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.

MonitorBankRates Verified Healthy Badge Q2 2026 Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website
Overall Health & Safety Grade ?
A+
Exceptional Health Score: 98/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
3.49%
Excellent Lower than avg
Health Trend ?
Very strong 12 quarters
Full history ›
Potlatch No 1 Financial Credit Union
Administration Building
1025 WARNER AVE
LEWISTON, ID 83501
https://www.p1fcu.org
Member NCUA
Customer Reviews
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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Potlatch No 1 Financial Credit Union CD Rates

Product Rate APY Term View More
36 Month Certificate - 4.20% 36 Months
No additional details.
Last Updated 10/10/2026
Rate History
1 change since Sep 14, 2026 · 3.75% → 4.20% ▲ 0.45 pts · high 4.20% / low 3.75%
3.25%3.98%4.70%Sep 14, 2026: 3.75% APYOct 10, 2026: 4.20% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.20%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.49%
36 Month IRA Certificate - 4.20% 36 Months
No additional details.
Last Updated 10/10/2026
Rate History
1 change since Sep 18, 2026 · 3.75% → 4.20% ▲ 0.45 pts · high 4.20% / low 3.75%
3.25%3.98%4.70%Sep 18, 2026: 3.75% APYOct 10, 2026: 4.20% APYSep 18, 2026Oct 13, 2026
  • Oct 10, 20264.20%▲ from 3.75%
  • Sep 18, 20263.75%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.49%
48 Month Certificate - 4.20% 48 Months
No additional details.
Last Updated 10/10/2026
Rate History
1 change since Sep 14, 2026 · 3.80% → 4.20% ▲ 0.40 pts · high 4.20% / low 3.80%
3.30%4.00%4.70%Sep 14, 2026: 3.80% APYOct 10, 2026: 4.20% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.20%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.49%
48 Month IRA Certificate - 4.20% 48 Months
No additional details.
Last Updated 10/10/2026
Rate History
1 change since Sep 18, 2026 · 3.80% → 4.20% ▲ 0.40 pts · high 4.20% / low 3.80%
3.30%4.00%4.70%Sep 18, 2026: 3.80% APYOct 10, 2026: 4.20% APYSep 18, 2026Oct 13, 2026
  • Oct 10, 20264.20%▲ from 3.80%
  • Sep 18, 20263.80%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.49%
60 Month Certificate - 4.20% 60 Months
No additional details.
Last Updated 10/10/2026
Rate History
1 change since Sep 14, 2026 · 3.85% → 4.20% ▲ 0.35 pts · high 4.20% / low 3.85%
3.35%4.03%4.70%Sep 14, 2026: 3.85% APYOct 10, 2026: 4.20% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.20%▲ from 3.85%
  • Sep 14, 20263.85%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.49%
60 Month IRA Certificate - 4.20% 60 Months
No additional details.
Last Updated 10/10/2026
Rate History
1 change since Sep 18, 2026 · 3.85% → 4.20% ▲ 0.35 pts · high 4.20% / low 3.85%
3.35%4.03%4.70%Sep 18, 2026: 3.85% APYOct 10, 2026: 4.20% APYSep 18, 2026Oct 13, 2026
  • Oct 10, 20264.20%▲ from 3.85%
  • Sep 18, 20263.85%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.49%
18 Month Certificate - 4.10% 18 Months
No additional details.
Last Updated 10/10/2026
Rate History
1 change since Sep 14, 2026 · 3.65% → 4.10% ▲ 0.45 pts · high 4.10% / low 3.65%
3.15%3.88%4.60%Sep 14, 2026: 3.65% APYOct 10, 2026: 4.10% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.10%▲ from 3.65%
  • Sep 14, 20263.65%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.49%
18 Month IRA Certificate - 4.10% 18 Months
No additional details.
Last Updated 10/10/2026
Rate History
1 change since Sep 18, 2026 · 3.65% → 4.10% ▲ 0.45 pts · high 4.10% / low 3.65%
3.15%3.88%4.60%Sep 18, 2026: 3.65% APYOct 10, 2026: 4.10% APYSep 18, 2026Oct 13, 2026
  • Oct 10, 20264.10%▲ from 3.65%
  • Sep 18, 20263.65%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.49%
24 Month Certificate - 4.10% 24 Months
No additional details.
Last Updated 10/10/2026
Rate History
1 change since Sep 14, 2026 · 3.70% → 4.10% ▲ 0.40 pts · high 4.10% / low 3.70%
3.20%3.90%4.60%Sep 14, 2026: 3.70% APYOct 10, 2026: 4.10% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.10%▲ from 3.70%
  • Sep 14, 20263.70%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.49%
24 Month IRA Certificate - 4.10% 24 Months
No additional details.
Last Updated 10/10/2026
Rate History
1 change since Sep 18, 2026 · 3.70% → 4.10% ▲ 0.40 pts · high 4.10% / low 3.70%
3.20%3.90%4.60%Sep 18, 2026: 3.70% APYOct 10, 2026: 4.10% APYSep 18, 2026Oct 13, 2026
  • Oct 10, 20264.10%▲ from 3.70%
  • Sep 18, 20263.70%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.49%
12 Month Certificate - 3.90% 12 Months
No additional details.
Last Updated 10/10/2026
Rate History
1 change since Sep 14, 2026 · 3.55% → 3.90% ▲ 0.35 pts · high 3.90% / low 3.55%
3.05%3.73%4.40%Sep 14, 2026: 3.55% APYOct 10, 2026: 3.90% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.90%▲ from 3.55%
  • Sep 14, 20263.55%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.49%
12 Month IRA Certificate - 3.90% 12 Months
No additional details.
Last Updated 10/10/2026
Rate History
1 change since Sep 18, 2026 · 3.55% → 3.90% ▲ 0.35 pts · high 3.90% / low 3.55%
3.05%3.73%4.40%Sep 18, 2026: 3.55% APYOct 10, 2026: 3.90% APYSep 18, 2026Oct 13, 2026
  • Oct 10, 20263.90%▲ from 3.55%
  • Sep 18, 20263.55%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.49%
6 Month Certificate - 3.70% 6 Months
No additional details.
Last Updated 10/10/2026
Rate History
1 change since Sep 14, 2026 · 3.45% → 3.70% ▲ 0.25 pts · high 3.70% / low 3.45%
2.95%3.58%4.20%Sep 14, 2026: 3.45% APYOct 10, 2026: 3.70% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.70%▲ from 3.45%
  • Sep 14, 20263.45%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.49%
6 Month IRA Certificate - 3.70% 6 Months
No additional details.
Last Updated 10/10/2026
Rate History
1 change since Sep 18, 2026 · 3.45% → 3.70% ▲ 0.25 pts · high 3.70% / low 3.45%
2.95%3.58%4.20%Sep 18, 2026: 3.45% APYOct 10, 2026: 3.70% APYSep 18, 2026Oct 13, 2026
  • Oct 10, 20263.70%▲ from 3.45%
  • Sep 18, 20263.45%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.49%
3 Month Certificate - 1.25% 3 Months
No additional details.
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 1.25% APY · checked 6 times
0.75%1.25%1.75%Sep 14, 2026: 1.25% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.49%
3 Month IRA Certificate - 1.25% 3 Months
No additional details.
Last Updated 10/10/2026
Rate History
No change since Sep 18, 2026 · 1.25% APY · checked 2 times
0.75%1.25%1.75%Sep 18, 2026: 1.25% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.49%

Potlatch No 1 Financial Credit Union Savings Rates

Product Rate APY View More
Idaho Medical Savings - 0.05%
No additional details.
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 6 times
0.00%0.28%0.55%Sep 14, 2026: 0.05% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.49%
Regular Savings - 0.05%
No additional details.
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 6 times
0.00%0.28%0.55%Sep 14, 2026: 0.05% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.49%

Potlatch No 1 Financial Credit Union Business Savings Rates

Product Rate APY View More
Business Savings - 0.05%
Min Balance $35
Details Balance: $35.00-$100,000.00
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 6 times
0.00%0.28%0.55%Sep 14, 2026: 0.05% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.49%

Potlatch No 1 Financial Credit Union Money Market Rates

Product Rate APY View More
Money Market Account - 3.49%
Min Balance $500,000
Details Balance: $500,000.00+; Qualifying Bump Rate
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 3.49% APY · checked 6 times
2.99%3.49%3.99%Sep 14, 2026: 3.49% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.49%
Money Market Account - 3.39%
Min Balance $250,000
Details Balance: $250,000.00 - $499,999.99; Qualifying Bump Rate
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 3.39% APY · checked 6 times
2.89%3.39%3.89%Sep 14, 2026: 3.39% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.49%
Money Market Account - 3.29%
Min Balance $100,000
Details Balance: $100,000.00 - $249,999.99; Qualifying Bump Rate
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 3.29% APY · checked 6 times
2.79%3.29%3.79%Sep 14, 2026: 3.29% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.49%
Money Market Account - 2.58%
Min Balance $25,000
Details Balance: $25,000.00 - $99,999.99; Qualifying Bump Rate
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 2.58% APY · checked 6 times
2.08%2.58%3.08%Sep 14, 2026: 2.58% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.49%
Money Market Account - 2.47%
Min Balance $500
Details Balance: $500.00 - $24,999.99; Qualifying Bump Rate
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 2.47% APY · checked 6 times
1.97%2.47%2.97%Sep 14, 2026: 2.47% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.49%
Money Marketing Account - 1.45%
Min Balance $500,000
Details Balance: $500,000.000+
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 1.45% APY · checked 2 times
0.95%1.45%1.95%Sep 14, 2026: 1.45% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.49%
Money Marketing Account - 1.35%
Min Balance $250,000
Details Balance: $250,000.00 - $499,999.99
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 1.35% APY · checked 2 times
0.85%1.35%1.85%Sep 14, 2026: 1.35% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.49%
Money Marketing Account - 1.25%
Min Balance $100,000
Details Balance: $100,000.00 - $249,999.99
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 1.25% APY · checked 2 times
0.75%1.25%1.75%Sep 14, 2026: 1.25% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.49%
Money Marketing Account - 0.55%
Min Balance $25,000
Details Balance: $25,000.00 - $99,999.99
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 0.55% APY · checked 2 times
0.05%0.55%1.05%Sep 14, 2026: 0.55% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.49%
Money Marketing Account - 0.45%
Min Balance $500
Details Balance: $500.00 - $24,999.99
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 0.45% APY · checked 2 times
0.00%0.48%0.95%Sep 14, 2026: 0.45% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.49%

Potlatch No 1 Financial Credit Union Business Money Market Rates

Product Rate APY View More
Business Money Market Account - 1.45%
Min Balance $500,000
Details Balance: $500,000.000 +
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 1.45% APY · checked 6 times
0.95%1.45%1.95%Sep 14, 2026: 1.45% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.49%
Business Money Market Account - 1.35%
Min Balance $250,000
Details Balance: $250,000.00 - $499,999.99
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 1.35% APY · checked 6 times
0.85%1.35%1.85%Sep 14, 2026: 1.35% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.49%
Business Money Market Account - 1.25%
Min Balance $100,000
Details Balance: $100,000.00 - $249,999.99
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 1.25% APY · checked 6 times
0.75%1.25%1.75%Sep 14, 2026: 1.25% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.49%
Business Money Market Account - 0.55%
Min Balance $25,000
Details Balance: $25,000.00 - $99,999.99
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 0.55% APY · checked 6 times
0.05%0.55%1.05%Sep 14, 2026: 0.55% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.49%
Business Money Market Account - 0.45%
Min Balance $500
Details Balance: $500.00 - $24,999.99
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 0.45% APY · checked 6 times
0.00%0.48%0.95%Sep 14, 2026: 0.45% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.49%

Potlatch No 1 Financial Credit Union Checking Rates

Product Rate APY View More
Ascend Checking 3.445% 3.50%
Min Balance $0
Details Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Balance: $0.00 - 15,000
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.49%
Ascend Checking - 0.21%
Min Balance $15,000
Details Published APY range: 0.21-3.50%. Balance: $15,000.01
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 0.21% APY · checked 6 times
0.00%0.36%0.71%Sep 14, 2026: 0.21% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.49%

Potlatch No 1 Financial Credit Union Business Checking Rates

Product Rate APY View More
Premium Business Checking - 0.20%
Min Balance $25,000
Details Balance: $25,000.01+
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 0.20% APY · checked 6 times
0.00%0.35%0.70%Sep 14, 2026: 0.20% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.49%
Business Non-Profit Checking - 0.15%
No additional details.
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 0.15% APY · checked 6 times
0.00%0.33%0.65%Sep 14, 2026: 0.15% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.49%
Premium Business Checking - 0.15%
Min Balance $1,000
Details Balance: $1000.00 - $25,000
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 0.15% APY · checked 6 times
0.00%0.33%0.65%Sep 14, 2026: 0.15% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.49%

Potlatch No 1 Financial Credit Union Auto Loan Rates

Product Rate Points APR Term View More
Auto Loan - - 5.15% 60 Month
Details As Low As
Last Updated 10/10/2026
Rate History
1 change since Sep 14, 2026 · 4.85% → 5.15% ▲ 0.30 pts · high 5.15% / low 4.85%
4.35%5.00%5.65%Sep 14, 2026: 4.85% APRSep 27, 2026: 5.15% APRSep 14, 2026Oct 13, 2026
  • Sep 27, 20265.15%▲ from 4.85%
  • Sep 14, 20264.85%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.49%
Auto Loan - - 5.45% 72 Month
Details As Low As
Last Updated 10/10/2026
Rate History
1 change since Sep 14, 2026 · 5.10% → 5.45% ▲ 0.35 pts · high 5.45% / low 5.10%
4.60%5.28%5.95%Sep 14, 2026: 5.10% APRSep 27, 2026: 5.45% APRSep 14, 2026Oct 13, 2026
  • Sep 27, 20265.45%▲ from 5.10%
  • Sep 14, 20265.10%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.49%

Potlatch No 1 Financial Credit Union RV, Boat and Powersport Loan Rates

Product Rate APR Term View More
Powersport Loan - 6.99% 60 Month
Details As Low As
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 6.99% APR · checked 6 times
6.49%6.99%7.49%Sep 14, 2026: 6.99% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.49%
Powersport Loan - 6.99% 72 Month
Details As Low As
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 6.99% APR · checked 6 times
6.49%6.99%7.49%Sep 14, 2026: 6.99% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.49%
Recreational Vehicle Loan - 7.24% 144 Month
Details As Low As
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 7.24% APR · checked 6 times
6.74%7.24%7.74%Sep 14, 2026: 7.24% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.49%
Recreational Vehicle Loan - 7.24% 180 Month
Details As Low As
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 7.24% APR · checked 4 times
6.74%7.24%7.74%Sep 14, 2026: 7.24% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.49%

Potlatch No 1 Financial Credit Union Personal Loan Rates

Product APR Term View More
Personal Loan 10.99% 60 Month
Details As Low As
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 10.99% APR · checked 6 times
10.49%10.99%11.49%Sep 14, 2026: 10.99% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.49%

Potlatch No 1 Financial Credit Union Other Rates

Product Rate Points APY/APR Term View More
As Low As Loan - - 5.15% Up to 60 Month
Details OAC
Last Updated 10/10/2026
Rate History
No change since Oct 10, 2026 · 5.15% APR
4.65%5.15%5.65%Oct 10, 2026: 5.15% APROct 10, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.49%
As Low As Loan - - 5.45% Up to 72 Month
Details OAC
Last Updated 10/10/2026
Rate History
No change since Oct 10, 2026 · 5.45% APR
4.95%5.45%5.95%Oct 10, 2026: 5.45% APROct 10, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.49%
As Low As Loan - - 5.85% Up to 84 Month
Details OAC
Last Updated 10/10/2026
Rate History
No change since Oct 10, 2026 · 5.85% APR
5.35%5.85%6.35%Oct 10, 2026: 5.85% APROct 10, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.49%
Ascend Checking - - 3.50%
Min Balance $0
Details Balance: $0.00 - $15,000
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.49%
IRA Account - - 0.05%
Min Balance $35
Details Balance: $35.00 - $9,999.99
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 6 times
0.00%0.28%0.55%Sep 14, 2026: 0.05% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.49%
IRA Account - - 0.05%
Min Balance $10,000
Details Balance: $10,000.00 - $99,999.99
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 6 times
0.00%0.28%0.55%Sep 14, 2026: 0.05% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.49%
IRA Account - - 0.05%
Min Balance $100,000
Details Balance: $100,000.00+
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 6 times
0.00%0.28%0.55%Sep 14, 2026: 0.05% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.49%
Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

Potlatch No 1 Financial Credit Union’s Texas Ratio stayed near 3.55% in Q3 2023 to 3.49% in Q2 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.

0% 1.0★ 1.7% 2.0★ 3.3% 3.0★ 5% 4.0★ 6.6% 5.0★ Healthy zone – entire history below the 15% limit 3.55% A+ Q3 2023 A+ Q4 2023 A+ Q1 2024 A+ Q2 2024 A+ Q3 2024 A+ Q4 2024 A+ Q1 2025 A+ Q2 2025 A+ Q3 2025 A+ Q4 2025 A+ Q1 2026 3.49% A+ Q2 2026
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
Powered by MonitorBankRates

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
QuarterTotal assetsTexas RatioStar RatingHealth Grade
June 30, 2026$2.2B3.49%5.0A+
March 31, 2026$2.2B2.69%5.0A+
December 31, 2025$2.1B4.91%5.0A+
September 30, 2025$2.1B4.06%5.0A+
June 30, 2025$2.1B4.02%5.0A+
March 31, 2025$2.1B3.65%5.0A+
December 31, 2024$2.1B4.68%5.0A+
September 30, 2024$2.1B3.54%5.0A+
June 30, 2024$2.2B3.79%5.0A+
March 31, 2024$2.2B3.50%5.0A+
December 31, 2023$2.2B3.87%5.0A+
September 30, 2023$2.2B3.55%5.0A+
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates 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 383
Part-Time Employees 12
Branch Locations 28
ATM Locations 27
NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
3.49%
Return on Assets (ROA)
0.3785%
Return on Equity (ROE)
4.2951%
Non-Performing Loans Ratio (NPL)
0.40%
Total Assets
2,157,360,382
Total Amount of Shares and Deposits
1,844,347,382
Total Shares and Deposits < 1 Year
1,765,563,148
Total Shares and Deposits 1 3 Years
47,574,915
Total Shares and Deposits > 3 Years
31,209,318
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
184,251,583
Total Uninsured Shares and Deposits > $250K (F+J)
184,251,583
Total Insured Shares and Deposits > $250K (item 17 less item K)
1,660,095,799
Total Interest Expense (Sum of items 6 8)
21,618,987
Share Certificates
13,473
Number of Accounts for Share Drafts
80,788
IRA KEOGH Accounts
2,758
Number of Accounts for Regular Shares
143,271
All other shares
414
Money Market Shares
7,390
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)
18,031,061
Total Liabilities
1,997,565,894
Source: NCUA — Last Updated 06/30/2026
MonitorBankRates Verified Healthy Badge Q2 2026
Q2 2026 MBR Health & Safety Badge

Potlatch No 1 Financial Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>
Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Average Rating
☆☆☆☆☆
Total Reviews
0
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Frequently Asked Questions About Potlatch No 1 Financial Credit Union

How 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

  • 12-Month CD3.90%
  • 18-Month CD4.10%
  • 24-Month CD4.10%
  • 60-Month CD4.20%
  • Savings0.05%
  • MMA3.49%
Retrieved from our database of financial products. Rates subject to change.

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