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 279th largest credit union in the nation. It was established in 1938 and as of June of 2019, it had grown to 244 employees and 88,532 members at 1 location. P1FCU's CD rates are 3X the national average, and it has an A 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

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

P1FCU (ID/OR/WA) has competitive long-term CDs: 36-month (3.15% APY), 48-month (3.25% APY), and 60-month (3.35% APY). Minimum opening deposit is $500.

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Reviews (3)

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: cede | Apr 21, 2011

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: jbsue | Oct 11, 2019

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


Health Grade Components

NCUA #68700
Year Chartered1938
Primary Regulator
Profit Margin
Return on Assets - YTD0.92%
Return on Equity - YTD10.2%
Annual Interest Income$23.7MM
Assets and Liabilities
AssetsQ2 2019$1.15B
LoansQ2 2019$942.5MM
DepositsQ2 2019$1.04B
Equity CapitalQ2 2019$102.5MM
Loan Loss AllowanceQ2 2019$7.2MM
Unbacked Noncurrent LoansQ2 2019$4.1MM
Real Estate OwnedQ2 2019$49.00K
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Always verify rates and promotions with the bank or credit union. We are not P1FCU; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

P1FCU Savings Account Rates

0.25%--Regular Share Savings
0.25%$35-Individual Retirement Account
0.25%--Medical Savings (Idaho)
0.25%--Non-Profit Savings
0.25%--Business Savings

P1FCU Money Market Rates

0.70%*$100k*-Money Market
OTHER TIERS: 0.50% $500 - $10k | 0.60% $10k - $100k
0.70%*$100k*-Money Market Share Draft
OTHER TIERS: 0.50% $500 - $10k | 0.60% $10k - $100k
0.70%*$100k*-Business Money Market
OTHER TIERS: 0.50% $500 - $10k | 0.60% $10k - $100k

P1FCU Checking Account Rates

0.55%*$25k*-Business Share Draft (Premium Account)
OTHER TIERS: 0.15% $1k - $25k
0.30%*-$25kPowerPlus Checking
OTHER TIERS: 0.15% $25k+
0.15%--Business Non-Profit

P1FCU CD Rates

3.35%$500-60 Month Share Certificate
3.25%$500-48 Month Share Certificate
3.15%$500-36 Month Share Certificate
2.75%$500-24 Month Share Certificate
2.65%$500-18 Month Share Certificate
2.55%$500-12 Month Share Certificate
2.00%$500-6 Month Share Certificate


3.35%$500-60 Month IRA Certificate
3.25%$500-48 Month IRA Certificate
3.15%$500-36 Month IRA Certificate
2.75%$500-24 Month IRA Certificate
2.65%$500-18 Month IRA Certificate
2.55%$500-12 Month IRA Certificate
2.00%$500-6 Month IRA Certificate

P1FCU Locations
Branch Office1025 Warner AveLewiston, ID 83501

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