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 223rd largest credit union in the nation. It was established in 1938 and as of March of 2024, it had grown to 411 employees and 126,592 members at 29 locations. P1FCU's CD rates are 5X the national average, and it has a B+ health rating.

Field of Membership Restrictions

Membership in P1FCU is open to residents of the Idaho counties of Ada, Adams, Benewah, Boise, Bonner, Boundary, Canyon, Clearwater, Gem, Idaho, Kootenai, Latah, Lewis, Nez Perce, Owyhee, Payette, Shoshone, Washington, or Valley; residents of the Oregon counties of Baker, Grant, Harney, Malheur, Morrow, Umatilla, Union, or Wallowa; and residents of Washington State.
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Reviews (5)

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


Posted by: |

I WOULD NEVER RECOMMEND THIS CREDIT UNION. The loan officer misguided me throughout the entire process. I had only called to inquire about the documents needed, and I had "consented" to what I thought was a soft inquiry as other loan processes officer an initial soft inquiry and because I was not told otherwise, and she pulled a hard inquiry during my very first conversation before I submitted any documents to apply for the auto loan. I explicitly stated and provided a job offer letter of when my start date would be, and she told me that only a verification of employment for my new job would suffice for the application. As a result of her not providing accurate information about the appropriate documents, my application was declined because "I needed a first paystub," and "There are other variables to take into account," that she did not inform me of until after my decline. They said they would need to pull a second hard inquiry because my first paystub would be after the 30 days. She hadn't told me she pulled a hard inquiry until a week later. Her supervisor used the excuse that the loan officer "was new and not aware/trained" and P1FCU's Vice President of Member Services refused to remove this hard inquiry from my account, even after her supervisor admitted that this process was incorrect and were in the wrong. I reported P1FCU to the Better Business Bureau, and the VP said they would not be correcting this and closed the grievance.

I have happily chosen another credit union for my auto loan. This other credit union has an A+ rating; was more professional, efficient, and helpful; and guided me through the whole process to ensure it was done correctly the first time. I encourage everyone to steer clear of P1FCU and be aware of the deficient, unprofessional service that P1FCU provides.

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 - YTD0.15%
Return on Equity - YTD2.57%
Annual Interest Income$30.2MM
Assets and Liabilities
AssetsQ1 2024vs Q1 2023$2.2B$2.07B
LoansQ1 2024vs Q1 2023$1.77B$1.71B
DepositsQ1 2024vs Q1 2023$1.9B$1.86B
Equity CapitalQ1 2024vs Q1 2023$129.4MM$117.7MM
Loan Loss AllowanceQ1 2024vs Q1 2023$7.6MM$8.9MM
Unbacked Noncurrent LoansQ1 2024vs Q1 2023$6.5MM$4.9MM
Real Estate OwnedQ1 2024vs Q1 2023$0$0
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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

0.05%$0-Regular Share Savings
0.05%$35-Individual Retirement Account
0.05%$0-Medical Savings (Idaho)
0.05%$0-Business Savings

P1FCU Money Market Rates

1.65%*$500k*-Ascend Money Market Rate Bump
OTHER TIERS: 0.65% $500 - $25k | 0.75% $25k - $100k | 1.45% $100k - $250k | 1.55% $250k - $500k
1.55%*$250k*$500kMoney Market
OTHER TIERS: 0.45% $500 - $25k | 0.55% $25k - $100k | 1.25% $100k - $250k | 1.45% $500k+
1.45%*$500k*-Business Money Market
OTHER TIERS: 0.45% $500 - $25k | 0.55% $25k - $100k | 1.25% $100k - $250k | 1.35% $250k - $500k

P1FCU Checking Account Rates

3.50%*$0$15kAscend Checking
OTHER TIERS: 0.21% $15k+
0.20%*$25k*-Business Share Draft (Premium Account)
OTHER TIERS: 0.15% $1k - $25k
0.15%$0-Business Non-Profit Checking

P1FCU CD Rates

4.75%$500-6 Month Share Certificate
4.65%$500-12 Month Share Certificate
4.60%$500-18 Month Share Certificate
4.35%$500-48 Month Share Certificate
4.00%$500-24 Month Share Certificate
3.75%$500-36 Month Share Certificate
3.55%$500-60 Month Share Certificate
1.25%$500-3 Month Share Certificate


4.75%$500-6 Month IRA Certificate
4.65%$500-12 Month IRA Certificate
4.60%$500-18 Month IRA Certificate
4.35%$500-48 Month IRA Certificate
4.00%$500-24 Month IRA Certificate
3.75%$500-36 Month IRA Certificate
3.55%$500-60 Month IRA Certificate
1.25%$500-3 Month IRA Certificate


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