First Commonwealth Federal Credit Union


Overview / Commentary
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 386th largest credit union in the nation. It was established in 1959 and as of March of 2024, it had grown to 225 employees and 81,410 members at 13 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.
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Health

Health Grade Components

Overall
NCUA #12765
Year Chartered1959
Employees225
Primary Regulator
Profit Margin
Return on Assets - YTD0.41%
Return on Equity - YTD4.8%
Annual Interest Income$14.6MM
Assets and Liabilities
AssetsQ1 2024vs Q1 2023$1.2B$1.11B
LoansQ1 2024vs Q1 2023$947.9MM$881.7MM
DepositsQ1 2024vs Q1 2023$1.06B$992.3MM
Equity CapitalQ1 2024vs Q1 2023$102.4MM$96.9MM
Loan Loss AllowanceQ1 2024vs Q1 2023$14MM$10.4MM
Unbacked Noncurrent LoansQ1 2024vs Q1 2023$7.6MM$6.3MM
Real Estate OwnedQ1 2024vs Q1 2023$148K$120K
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%$0-Business Savings Account
0.01%$5-Savings Account
0.01%$0-Holiday Club
0.01%$0-IRA Savings Account
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

First Commonwealth Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.75%$500$5k10 Month Online Share Certificate Special - New Money
4.75%$500-10 Month Share Certificate Special - New Money
4.75%$500$5kBusiness 10 Month Online Share Certificate Special - New Money
4.75%$500-Business 10 Month Share Certificate Special - New Money
4.25%$500-Business 12 Month Certificate
4.25%$500-12 Month Certificate
4.00%$500-Business 18 Month Certificate
3.75%$500-Business 24 Month Certificate
3.75%$500-Business 36 Month Certificate
3.75%$500-36 Month Certificate
3.75%$500-24 Month Certificate
3.75%$500-18 Month Certificate
3.51%$500-Business 6 Month Certificate
3.51%$500-Business 48 Month Certificate
3.51%$500-Business 60 Month Certificate
3.51%$500-6 Month Certificate
3.51%$500-9 Month Certificate
3.51%$500-48 Month Certificate
3.51%$500-60 Month Certificate
3.00%$500-Business 3 Month Certificate
3.00%$500-3 Month Certificate

First Commonwealth Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.25%$500-12 Month IRA Certificate
3.75%$500-36 Month IRA Certificate
3.75%$500-24 Month IRA Certificate
3.75%$500-18 Month IRA Certificate
3.51%$500-6 Month IRA Certificate
3.51%$500-9 Month IRA Certificate
3.51%$500-48 Month IRA Certificate
3.51%$500-60 Month IRA Certificate
3.00%$500-3 Month IRA Certificate
Locations

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