Overview / Commentary
1015 Warner Ave
Lewiston, ID 83501

P1FCU is headquartered in LEWISTON and is the 2nd largest credit union in the state of Idaho. It is also the 256th largest credit union in the nation. It was established in 1938 and as of December of 2019, it had grown to 268 employees and 92,373 members at 17 locations. P1FCU has a B+ health rating.

Field of Membership Restrictions

Membership in P1FCU is open to residents of Adams, Benewah, Bonner, Boundary, Clearwater, Gem, Idaho, Kootenai, Latah, Lewis, Nez Perce, Payette, Shoshone, Washington, and Valley Counties in Idaho; residents of Baker, Grant, Harney, Malheur, Morrow, Umatilla, Union, Wallowa Counties in Oregon; and residents of Washington State.
See current membership details

Related Posts

EXPIRED - P1FCU (ID/OR/WA) Offers 3.05% APY On 60-Month CD - 11/29/2019

P1FCU (ID/OR/WA) has a history of offering competitive rates on its 60-month Share Certificate. Minimum opening deposit is $500. Also available as an IRA.

EXPIRED - P1FCU (ID/OR/WA) 60-Month CD Earns 3.35% APY - 8/1/2019

P1FCU (ID/OR/WA) has a history of offering competitive long-term Share Certificate and IRA Certificate rates Minimum opening deposit is $500.

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Reviews (4)

Buy Local If Competitive

P1FCU is truly a home town credit union. I have always been treated with friendly respect.
I shop nationally for rates on savings certificates of deposit, but it so happens that P1FCU has competitive rates.

Small Credit Union That Feels Big

Posted by: |

This is a local credit union, but has all the services that a larger facility would. Membership is fairly broad and their branch availability is excellent and expanding. They are always friendly and go out of their way to help you out. Their employees and company are an integral part of the communities they serve.

Great Rates But Tedious Process

Posted by: |

Ideal if you only want a CD $4000 or less because you only have to go through the process once. There are 3 ways to fund an account: 1) credit card up to $1000 2) ACH up to $4000 3) internal transfer from your savings or checking account. So let's say you have a $15,000 CD that just matured. This means you have to open 4 CD"s and go through about 60% of the tedious process three more times. On CD's after the first one, it remembers your name but not your DOB. It remembers your address but not your occupancy status or for how long. It remembers your email but not that this is your preferred contact method of contact, and although you sent them a scan of your license, you have to enter all the info again.and you'll love this one: they do micro deposits for each CD even though the money is all coming from one account that they may have checked yesterday

Worst Banking Experience I've Had

Posted by: |

I cannot adequately express how awful this credit union is. This credit union overcharges for every service they offer. There are several banks in the LC valley that offer free what P1FCU will charge you for. I've sadly had an account with P1FCU for over two decades and am closing it ASAP. They changed my account WITHOUT PERMISSION to a type where they could charge fees. Bill pay (which is free at BANKS in the LC valley- not tax exempt credit unions like this one) still not included. Employees are often incompetent, they misspelled my name on my checks and debit card multiple times. I have had multiple encounters with rude employees. My wife made the mistake of opening a credit card with them, sent a check which was postmarked prior to due date and got charged maximum fee law allows for check arriving one day late; we were charged something like a $40 late fee for a $15 balance according to the snakes who run this place, when we called to see if they would waive the fee they happily told us too bad, they don't do that. I have no idea how this place is staying in business.


Health Grade Components

NCUA #68700
Year Chartered1938
Primary Regulator
Profit Margin
Return on Assets - YTD0.81%
Return on Equity - YTD9.42%
Annual Interest Income$49.2MM
Assets and Liabilities
AssetsQ4 2019$1.26B
LoansQ4 2019$1.04B
DepositsQ4 2019$1.15B
Equity CapitalQ4 2019$106.2MM
Loan Loss AllowanceQ4 2019$7.2MM
Unbacked Noncurrent LoansQ4 2019$3.9MM
Real Estate OwnedQ4 2019$50.00K

Rates for P1FCU are currently being reviewed.



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