P C 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

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

4.31%

Our Rating

4.0 / 5

Vio Bank

Cornerstone Money Market

See Offer

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

Member FDIC

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

pcfederalcu.org

814-642-9248

203 N Main St
Port Allegany, PA 16743

P C Federal Credit Union is headquartered in Port Allegany and is the 203^rd largest credit union in the state of Pennsylvania. It is also the 3,460^th largest credit union in the nation. It was established in 1955 and as of March of 2025, it had grown to 5 employees and 1,440 members at 2 locations. P C Federal Credit Union's CD rates are 4X the national average, but it has a C health rating.

Field of Membership Restrictions

P.C. Federal Credit Union is open to employees or retirees (and their immediate family and household members) of Pittsburgh Corning Corporation, International Waxes, Inc., McKean County, Buckler Transport Inc., Costa's Supermarkets, Costa's Ace Hardware, Walker Petroleum Service, Inc., or Duffy, Inc.
See current membership details

Reviews

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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. P C Federal Credit Union has a low asset base.

Health Grade Components

Overall
NCUA #	10704
Year Chartered	1955
Employees	5
Primary Regulator

Profit Margin
Return on Assets - YTD	0.92%
Return on Equity - YTD	7.17%
Annual Interest Income	$190K

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$13.4MM$13.4MM
Loans	Q1 2025vs Q1 2024	$10.6MM$10.2MM
Deposits	Q1 2025vs Q1 2024	$11.6MM$11.8MM
Equity Capital	Q1 2025vs Q1 2024	$1.7MM$1.6MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$59K$49K
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$331K$242K
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

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

4.31%

Our Rating

4.0 / 5

Vio Bank

Cornerstone Money Market

See Offer

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

Member FDIC

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

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

P C Federal Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
1.00%	$100	-	Regular Share Accounts
1.00%	$100	-	Christmas Club Shares Account
1.00%	$100	-	Vacation Club Shares Account

P C Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
4.25%^*	$100k^*	-	18 Month CD
OTHER TIERS: 1.60% → $500 - $1k \| 2.15% → $1k - $5k \| 2.20% → $5k - $10k \| 2.30% → $10k - $25k \| 3.35% → $25k - $50k \| 3.45% → $50k - $100k
4.10%^*	$100k^*	-	24 Month CD
OTHER TIERS: 1.65% → $500 - $1k \| 2.20% → $1k - $5k \| 2.25% → $5k - $10k \| 2.35% → $10k - $25k \| 3.40% → $25k - $50k \| 3.50% → $50k - $100k
3.30%^*	$25k^*	-	12 Month CD
OTHER TIERS: 1.55% → $500 - $1k \| 2.10% → $1k - $5k \| 2.15% → $5k - $10k \| 2.25% → $10k - $25k
2.20%^*	$10k^*	-	6 Month CD
OTHER TIERS: 1.50% → $500 - $1k \| 2.05% → $1k - $5k \| 2.10% → $5k - $10k

Locations

P C Federal Credit Union Locations
Branch Office	45 Route 446	Smethport, PA 16749
Branch Office	203 N Main St	Port Allegany, PA 16743

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