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First Commonwealth Federal Credit Union


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/2/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/2/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/2/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/2/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Overview / Commentary
www.firstcomcu.org
610-821-2403
6126 Hamilton Blvd Ste 100
Allentown, PA 18106

First Commonwealth Federal Credit Union is headquartered in Allentown and is the 12th largest credit union in the state of Pennsylvania. It is also the 339th largest credit union in the nation. It was established in 1959 and as of March of 2025, it had grown to 245 employees and 95,204 members at 15 locations. First Commonwealth Federal Credit Union's CD rates are 5X the national average, and it 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 membership in the American Consumer Council. Membership is also open to those who live, work, worship, or attend school in the Pennsylvania counties of Easton, Lehigh, or Northampton, or Maxatawny Township (Berks County, PA) or Lehighton Borough, (Carbon County, PA), or Warren County, New Jersey.
See current membership details

Reviews (1)

The Worse Experience Ever

Posted by: |

They are the worst ever. I have an Auto Loan through them, and they are so clueless; they have no idea what they are doing. They have done nothing but destroy my credit and life. They are clueless and lack knowledge of finances. They do not get back to you, they ignore you and are rude, ignorant, and disrespectful. My credit was great until these people destroyed it. You can't ever speak to a Supervisor, manager, or even the CEO. They ignore you when you are right, they take your hard-earned money and destroy every aspect of the life you once had prior to dealing with these people. Please stay clear, take your business elsewhere. Stay as far away from these people as you can; if you do not, trust me, you will regret it. You have been warned.

2


Health
A

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
NCUA #12765
Year Chartered1959
Employees245
Primary Regulator
Profit Margin
Return on Assets - YTD1.23%
Return on Equity - YTD13.55%
Annual Interest Income$18MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$1.41B$1.2B
LoansQ1 2025vs Q1 2024$1.09B$947.9MM
DepositsQ1 2025vs Q1 2024$1.27B$1.06B
Equity CapitalQ1 2025vs Q1 2024$125.7MM$102.4MM
Loan Loss AllowanceQ1 2025vs Q1 2024$19MM$14MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$12.3MM$7.6MM
Real Estate OwnedQ1 2025vs Q1 2024$29K$148K
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/2/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/2/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/2/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/2/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
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
0.02%*$10k*-Health Savings Account
OTHER TIERS: 0.01% → $0 - $10k
0.01%$5-Business Savings Account
0.01%$5-Savings Account
0.01%$0-Holiday Club
0.01%$0-Vacation Club

First Commonwealth Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.00%$50k-Business Money Market Special - New Money
1.00%*$50k*-Business Money Market Account
OTHER TIERS: 0.50% → $0 - $50k
1.00%*$50k*-Money Market Account
OTHER TIERS: 0.50% → $0 - $50k
1.00%*$50k*-Money Market IRA Account
OTHER TIERS: 0.50% → $0 - $50k
1.00%*$50k*-Youth Money Market Account
OTHER TIERS: 0.50% → $0 - $50k

First Commonwealth Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.15%$500-Business 12 Month Certificate
4.15%$500-Business 18 Month Certificate
4.15%$500-12 Month Certificate
4.15%$500-18 Month Certificate
4.00%$500-Business 3 Month Certificate
4.00%$500-Business 6 Month Certificate
4.00%$500-Business 9 Month Certificate
4.00%$500-3 Month Certificate
4.00%$500-6 Month Certificate
4.00%$500-9 Month Certificate
3.25%$500-Business 24 Month Certificate
3.25%$500-Business 36 Month Certificate
3.25%$500-Business 48 Month Certificate
3.25%$500-Business 60 Month Certificate
3.25%$500-36 Month Certificate
3.25%$500-48 Month Certificate
3.25%$500-24 Month Certificate
3.25%$500-60 Month Certificate

First Commonwealth Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.15%$500-12 Month IRA Certificate
4.15%$500-18 Month IRA Certificate
4.00%$500-3 Month IRA Certificate
4.00%$500-6 Month IRA Certificate
4.00%$500-9 Month IRA Certificate
3.25%$500-36 Month IRA Certificate
3.25%$500-48 Month IRA Certificate
3.25%$500-24 Month IRA Certificate
3.25%$500-60 Month IRA Certificate
0.01%$0-IRA Savings Account
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