Overview / Commentary
349 W Roseville Rd
Lancaster, PA 17601

LANCO Federal Credit Union is headquartered in Lancaster and is the 69th largest credit union in the state of Pennsylvania. It is also the 1,738th largest credit union in the nation. It was established in 1965 and as of September of 2018, it had grown to 30 employees and 10,554 members at 4 locations. LANCO Federal Credit Union has a B health rating.

Field of Membership Restrictions

Membership is open to those who live, work, worship or attend school in Lancaster County, Pennsylvania.
See current membership details


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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. LANCO Federal Credit Union has a relatively low asset base.

Health Grade Components

NCUA #16657
Year Chartered1965
Primary Regulator
Profit Margin
Return on Assets - YTD0.51%
Return on Equity - YTD7%
Annual Interest Income$2.5MM
Assets and Liabilities
AssetsQ3 2018vs Q3 2017$87.4MM$85.6MM
LoansQ3 2018vs Q3 2017$49.9MM$49.5MM
DepositsQ3 2018vs Q3 2017$80.2MM$79.2MM
Equity CapitalQ3 2018vs Q3 2017$6.5MM$6.3MM
Loan Loss AllowanceQ3 2018vs Q3 2017$492.00K$442.00K
Unbacked Noncurrent LoansQ3 2018vs Q3 2017$467.00K$345.00K
Real Estate OwnedQ3 2018vs Q3 2017$0$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

LANCO Federal Credit Union Savings Account Rates

0.50%*-$10kKasasa Saver
OTHER TIERS: 0.15% $10k+
0.15%$25-Individual Retirement Account
0.05%$25-Christmas Club Account
0.05%$25-Vacation Club Account
0.01%$25-Share Savings Account
0.01%$25-Hang Ten Savings
0.01%$25-Additional Savings

LANCO Federal Credit Union Money Market Rates

0.10%$1.5k-Money Market Savings Account

LANCO Federal Credit Union Checking Account Rates

1.98%*-$10kKasasa Cash
OTHER TIERS: 0.15% $10k+

LANCO Federal Credit Union CD Rates

1.00%$500-5 Year Share Certificate
0.80%$500-4 Year Share Certificate
0.60%$500-3 Year Share Certificate
0.50%$250-1 Year Youth Share Certificate
0.45%$500-2 Year Share Certificate
0.25%$500-1 Year Share Certificate
0.20%$500-6 Month Share Certificate

LANCO Federal Credit Union IRA Rates

1.00%$500-5 Year IRA Certificate
0.80%$500-4 Year IRA Certificate
0.60%$500-3 Year IRA Certificate
0.45%$500-2 Year IRA Certificate
0.25%$500-1 Year IRA Certificate
0.20%$500-6 Month IRA Certificate

LANCO Federal Credit Union Locations
Branch Office4213 Oregon PikeEphrata, PA 17522
Branch Office974 E Main StMount Joy, PA 17552-9320
Branch Office349 W Roseville RdLancaster, PA 17601
Branch Office2516 Willow Street Pike NWillow Street, PA 17584-9585

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