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 382nd largest credit union in the nation. It was established in 1959 and as of December of 2023, it had grown to 222 employees and 81,034 members at 13 locations. First Commonwealth Federal Credit Union's CD rates are 5X the national average, and it has a B+ 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
B+

Health Grade Components

Overall
NCUA #12765
Year Chartered1959
Employees222
Primary Regulator
Profit Margin
Return on Assets - YTD0.56%
Return on Equity - YTD6.36%
Annual Interest Income$51.5MM
Assets and Liabilities
AssetsQ4 2023vs Q4 2022$1.2B$1.12B
LoansQ4 2023vs Q4 2022$943.6MM$893MM
DepositsQ4 2023vs Q4 2022$1.06B$985.3MM
Equity CapitalQ4 2023vs Q4 2022$103.5MM$92.6MM
Loan Loss AllowanceQ4 2023vs Q4 2022$10MM$11.1MM
Unbacked Noncurrent LoansQ4 2023vs Q4 2022$8.7MM$5.9MM
Real Estate OwnedQ4 2023vs Q4 2022$148K$0
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% Up to $10k
0.01%--Business Savings Account
0.01%$5-Savings Account
0.01%--Holiday Club
0.01%--IRA Savings Account
0.01%--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% Up to $50k
1.00%*$50k*-Money Market Account
OTHER TIERS: 0.50% Up to $50k
1.00%*$50k*-Money Market IRA Account
OTHER TIERS: 0.50% Up to $50k

First Commonwealth Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
5.25%$500-10 Month Online Share Certificate Special - New Money
5.25%$500-10 Month Share Certificate Special - New Money
5.25%$500-Business 10 Month Online Share Certificate Special - New Money
5.25%$500-Business 10 Month Share Certificate Special - New Money
5.00%$500-5 Month Online Share Certificate Special - New Money
5.00%$500-5 Month Share Certificate Special - New Money
5.00%$500-Business 5 Month Online Share Certificate Special - New Money
5.00%$500-Business 5 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
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