North East Welch Federal Credit Union

TODAY'S FEATURED RATES

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.

Member FDIC

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

4.31%

Our Rating

4.0 / 5

Vio Bank

Cornerstone Money Market

See Offer

Sponsored Note: Interest is compounded daily, growing your money fast

Member FDIC

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

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

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.newelchfcu.com

814-725-8190

115 Clay St
North East, PA 16428

North East Welch Federal Credit Union is headquartered in North East and is the 166^th largest credit union in the state of Pennsylvania. It is also the 3,066^th largest credit union in the nation. It was established in 1953 and as of March of 2025, it had grown to 8 employees and 2,736 members at 2 locations. North East Welch Federal Credit Union's CD rates are 4X the national average, and it has a B health rating.

Field of Membership Restrictions

Membership is open to those who live, work, attend school or worship in North East Borough, Greenfield Township, Wattsburg Borough, Harborcreek Township, Greene Township, Lawrence Park Township, and Venango Township in Erie County, Pennsylvania or the Towns of Ripley, Westfield, Sherman, Clymer, French Creek, Mina, Portland, Chautauqua, Villages of Brocton or Mayville in Chautauqua County, New York.
See current membership details

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Health

Data as of Q1 2025

Learn why bank health matters

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. North East Welch Federal Credit Union has a low asset base.

Health Grade Components

Overall
NCUA #	8687
Year Chartered	1953
Employees	8
Primary Regulator

Profit Margin
Return on Assets - YTD	2.12%
Return on Equity - YTD	13.33%
Annual Interest Income	$331K

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$24.5MM$24.2MM
Loans	Q1 2025vs Q1 2024	$13.6MM$12.1MM
Deposits	Q1 2025vs Q1 2024	$20.5MM$20.7MM
Equity Capital	Q1 2025vs Q1 2024	$3.8MM$3.4MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$130K$101K
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$142K$73K
Real Estate Owned	Q1 2025vs Q1 2024	$0$0

TODAY'S FEATURED RATES

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.

Member FDIC

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

4.31%

Our Rating

4.0 / 5

Vio Bank

Cornerstone Money Market

See Offer

Sponsored Note: Interest is compounded daily, growing your money fast

Member FDIC

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

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

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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CD
IRA

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North East Welch Federal Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.50%	$5	-	Regular Share Account
0.50%	$0	-	Christmas Club

North East Welch Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
3.55%	$1k	-	12 Month Share Certificate
3.29%	$1k	-	24 Month Share Certificate
3.03%	$1k	-	36 Month Share Certificate

North East Welch Federal Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
3.80%	$0	-	IRA Share Account

Locations

North East Welch Federal Credit Union Locations
Branch Office	115 Clay St	North East, PA 16428-1537
Branch Office	21 N Portage St	Westfield, NY 14787

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