GNC Community Federal Credit Union

Overview / Commentary
201 S Jefferson St
New Castle, PA 16101

GNC Community Federal Credit Union is headquartered in New Castle and is the 98th largest credit union in the state of Pennsylvania. It is also the 2,065th largest credit union in the nation. It was established in 1936 and as of March of 2024, it had grown to 16 employees and 12,706 members at 2 locations. GNC Community Federal Credit Union's CD rates are 5X the national average, and it has a B+ health rating.

Field of Membership Restrictions

Membership to GNC Community Federal Credit Union is open to those who live, work, worship, or attend school in, and businesses and other legal entities located in Lawrence County, Pennsylvania.
See current membership details

Reviews (1)

GNC FCU Is Not About Working With The Customer

I am appalled with the changing policies, services, and customer service of GNC FCU. In brief, I live out of state but grew up in the New Castle area, and upon moving away I loved GNC so much I decided to keep both my checking and savings accounts. I enrolled for all digital statements and communications. Then in September, I moved again and before I could even change my address GNC was sending me documents in the mail. Why are you sending me items in the mail if I have signed up for digital statements and services? Then GNC charged my account $5 when the letter was returned to sender. I feel that $5 is a ridiculous amount to charge since it doesn’t even cost that much for a stamp. Then on top of that GNC has started to do service fees for transactions and checks. Isn’t the whole point of a credit union that they are supposed to be better for the customer than regular banks and don’t have these undisclosed service fees?

Then on top of that, I called following the charge to my account and requested a change of address. GNC refused to do this electronically, even though I no longer live in the area and cannot drive the over 5 hours back to the New Castle area to come in until I fought with them over the phone. GNC then created a Docusign and asked that I send them an email with a utility bill and/or lease. I did both and sent it to the email that sent me the Docusign. GNC, while I was at work unable to answer my phone, called and asked to call them back. I did, but no one picked up and I left a message with my name, why I was calling, and my phone number. No one ever returned my call, and I sent an email to the email that sent me the Docusign asking why they called and to confirm that they received my documents. I heard nothing back. After a week, of nothing, I became more aware that GNC no longer cares about their customers and requested to close all my accounts. They said they would again send documents and a Docusign to close the account and would mail me a check for the remaining money in my accounts. They never sent the email, when I called to inquire, they fought with me they did, and then I came to find out why was because they put my email in incorrectly even though the email they had on file was correct, they just mistyped it. Then again when they said they sent the email out it never came…I would to encourage others to leave GNC FCU since they no longer are working for the customer but are acting like a large bank and that they no longer uphold to their values as a company. Specifically, I would like others to know that they are now placing fees to do simple things like writing a check or sending mail, which would never typically be done by a credit union, and it is better to put their money somewhere else. Furthermore, GNC FCU, is manipulating their customers and trying to keep my money out of my hands, and are not willing to close my accounts and give me my money.

Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. GNC Community Federal Credit Union has a relatively low asset base.

Health Grade Components

NCUA #1542
Year Chartered1936
Primary Regulator
Profit Margin
Return on Assets - YTD0.13%
Return on Equity - YTD0.89%
Annual Interest Income$754K
Assets and Liabilities
AssetsQ1 2024vs Q1 2023$78.3MM$80.4MM
LoansQ1 2024vs Q1 2023$44.1MM$43.7MM
DepositsQ1 2024vs Q1 2023$66.3MM$66.9MM
Equity CapitalQ1 2024vs Q1 2023$11.2MM$10.6MM
Loan Loss AllowanceQ1 2024vs Q1 2023$182K$135K
Unbacked Noncurrent LoansQ1 2024vs Q1 2023$387K$341K
Real Estate OwnedQ1 2024vs Q1 2023$0$0
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GNC Community Federal Credit Union Savings Account Rates

0.05%$50$10kChristmas Club

GNC Community Federal Credit Union CD Rates

4.84%$2k-12 Month CD Special
2.27%$2k-24 Month CD

GNC Community Federal Credit Union Locations
Branch Office201 S Jefferson StNew Castle, PA 16101
Branch Office2907 Wilmington RdNew Castle, PA 16105-1233

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