First Commonwealth Federal Credit Union


Overview / Commentary
610-821-2403
257 Brodhead Rd
Bethlehem, PA 18017-8938

First Commonwealth Federal Credit Union is headquartered in Bethlehem and is the 12th largest credit union in the state of Pennsylvania. It is also the 411th largest credit union in the nation. It was established in 1959 and as of December of 2019, it had grown to 185 employees and 65,836 members at 9 locations. First Commonwealth Federal Credit Union has an A health rating.

Field of Membership Restrictions

Membership in First Commonwealth Federal Credit Union is open to anyone living in Pennsylvania or New Jersey through becoming a member of the American Consumer Council. Membership is also open to those who live, work, attend school or worship in Easton, Kutztown or Lehighton, Pennsylvania and to employees of over 100 area Select Employer Groups.
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Health

Health Grade Components

Overall
NCUA #12765
Year Chartered1959
Employees185
Primary Regulator
Profit Margin
Return on Assets - YTD0.86%
Return on Equity - YTD7.56%
Annual Interest Income$33.7MM
Assets and Liabilities
AssetsQ4 2019vs Q4 2018$781.9MM$721.5MM
LoansQ4 2019vs Q4 2018$623.1MM$558.4MM
DepositsQ4 2019vs Q4 2018$688.2MM$620.9MM
Equity CapitalQ4 2019vs Q4 2018$87.8MM$78.9MM
Loan Loss AllowanceQ4 2019vs Q4 2018$6.0MM$5.0MM
Unbacked Noncurrent LoansQ4 2019vs Q4 2018$4.3MM$3.4MM
Real Estate OwnedQ4 2019vs Q4 2018$0$125.00K
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

First Commonwealth Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.30%*$10k*-Health Savings Account
OTHER TIERS: 0.10% Up to $1.5k | 0.15% $1.5k - $10k
0.10%--Business Savings Account
0.10%$5-Savings Account
0.10%--Holiday Club
0.10%--IRA Savings Account
0.10%--Vacation Club

First Commonwealth Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.10%*$250k*-Business Elite Money Market
OTHER TIERS: 0.15% Up to $50k | 0.20% $50k - $100k | 0.40% $100k - $250k
0.40%*$250k*-Elite Money Market
OTHER TIERS: 0.10% Up to $50k | 0.20% $50k - $100k | 0.30% $100k - $250k
0.40%*$250k*-Elite Money Market IRA
OTHER TIERS: 0.10% Up to $50k | 0.20% $50k - $100k | 0.30% $100k - $250k
0.20%*$50k*-Business Money Market Account
OTHER TIERS: 0.13% $2.5k - $10k | 0.15% $10k - $50k
0.20%*$50k*-Money Market Account
OTHER TIERS: 0.15% $2.5k - $50k
0.20%*$50k*-Money Market IRA Account
OTHER TIERS: 0.15% $2.5k - $50k

First Commonwealth Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.20%*$250k*-Business Checking Advantage I Account
OTHER TIERS: 0.05% $2.5k - $100k | 0.15% $100k - $250k
0.15%*$250k*-Business Checking Advantage II Account
OTHER TIERS: 0.03% $2.5k - $100k | 0.10% $100k - $250k
0.10%$25k-Elite Checking Account
0.05%*$10k*-Preferred Checking Account
OTHER TIERS: 0.02% $1.5k - $10k

First Commonwealth Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.25%$500-58 Month Certificate Special
1.25%$500-Business 58 Month Certificate Special
1.10%$500-11 Month Certificate Special - New Money
1.10%$500-Business 11 Month Certificate Special - New Money
0.85%$500-13 Month Grow Certificate Special
0.85%$500-25 Month Grow Certificate Special
0.85%$500-13 Month Thrive Certificate Special
0.85%$500-25 Month Thrive Certificate Special
0.85%$500-Business 13 Month Thrive Certificate Special
0.85%$500-Business 25 Month Thrive Certificate Special
0.85%$500-Business 13 Month Grow Certificate Special
0.85%$500-Business 25 Month Grow Certificate Special
0.75%$500-Business 30 Month Certificate
0.75%$500-Business 36 Month Certificate
0.75%$500-Business 48 Month Certificate
0.75%$500-Business 60 Month Certificate
0.75%$500-30 Month Certificate
0.75%$500-36 Month Certificate
0.75%$500-48 Month Certificate
0.75%$500-60 Month Certificate
0.75%$500-25 Month Flex Certificate Special
0.75%$500-13 Month Flex Certificate Special
0.75%$500-Business 13 Month Flex Certificate Special
0.75%$500-Business 25 Month Flex Certificate Special
0.70%$500-Business 24 Month Certificate
0.70%$500-24 Month Certificate
0.60%$500-Business 18 Month Certificate
0.60%$500-18 Month Certificate
0.50%$500-5 Month Grow Certificate Special
0.50%$500-5 Month Thrive Certificate Special
0.50%$500-Business 5 Month Thrive Certificate Special
0.50%$500-Business 5 Month Grow Certificate Special
0.40%$500-Business 12 Month Certificate
0.40%$500-12 Month Certificate
0.40%$500-5 Month Flex Certificate Special
0.40%$500-Business 5 Month Flex Certificate Special
0.35%$500-Business 9 Month Certificate
0.35%$500-9 Month Certificate
0.30%$500-Business 6 Month Certificate
0.30%$500-6 Month Certificate
0.25%$500-Business 3 Month Certificate
0.25%$500-3 Month Certificate

First Commonwealth Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.75%$500-30 Month IRA Certificate
0.75%$500-36 Month IRA Certificate
0.75%$500-48 Month IRA Certificate
0.75%$500-60 Month IRA Certificate
0.70%$500-24 Month IRA Certificate
0.60%$500-18 Month IRA Certificate
0.40%$500-12 Month IRA Certificate
0.35%$500-9 Month IRA Certificate
0.30%$500-6 Month IRA Certificate
0.25%$500-3 Month IRA Certificate
Locations


First Commonwealth Federal Credit Union Locations
Branch Office7627 Tilghman StAllentown, PA 18106-9345
Branch Office257 Brodhead RdBethlehem, PA 18017-8938
Branch Office15093 Kutztown RdKutztown, PA 19530-9279
Branch Office450 Union BlvdAllentown, PA 18109-3228
Branch Office4300 William Penn HwyEaston, PA 18045
Branch Office5500 Crawford DrBethlehem, PA 18017-8797
Branch Office3515 Nazareth RdEaston, PA 18045
Branch Office1241 Blakeslee BlvdLehighton, PA 18235
Branch Office1080 Chestnut StEmmaus, PA 18049

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