Overview / Commentary
191 Chad Rd
Muncy, PA 17756-8146

Palco Federal Credit Union is headquartered in Muncy and is the 80th largest credit union in the state of Pennsylvania. It is also the 1,839th largest credit union in the nation. It was established in 1938 and as of December of 2018, it had grown to 14 employees and 6,156 members at 1 location. Palco Federal Credit Union's money market rates are 3X the national average, and it has an A health rating.

Field of Membership Restrictions

Must be an employee of one of the several Select Employee Groups (SEGs).
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Health
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. Palco Federal Credit Union has a relatively low asset base.

Health Grade Components

Overall
NCUA #2959
Year Chartered1938
Employees14
Primary Regulator
Profit Margin
Return on Assets - YTD0.53%
Return on Equity - YTD4.7%
Annual Interest Income$2.2MM
Assets and Liabilities
AssetsQ4 2018vs Q4 2017$79.2MM$76.7MM
LoansQ4 2018vs Q4 2017$22.6MM$22.4MM
DepositsQ4 2018vs Q4 2017$70.1MM$67.8MM
Equity CapitalQ4 2018vs Q4 2017$9.0MM$8.7MM
Loan Loss AllowanceQ4 2018vs Q4 2017$140.00K$143.00K
Unbacked Noncurrent LoansQ4 2018vs Q4 2017$225.00K$229.00K
Real Estate OwnedQ4 2018vs Q4 2017$0$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.

Palco Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.20%--Savings Account (S1)
0.20%--T-Accounts (S5)
0.20%--Christmas Club Account (S3)
0.20%--Vacation Club Account (S4)

Palco Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.40%*$75k*-Money Market Savings Account
OTHER TIERS: 1.20% $2k - $20k | 1.30% $20k - $75k
0.25%*$10k*-Money Market Checking Account
OTHER TIERS: 0.15% $2.5k - $10k

Palco Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.19%*$10k*-60 Month Junior Share Certificate
OTHER TIERS: 2.93% $250 - $5k | 3.03% $5k - $10k
3.19%*$10k*-60 Month Share Certificate
OTHER TIERS: 2.93% $500 - $5k | 3.03% $5k - $10k
2.98%*$10k*-48 Month Junior Share Certificate
OTHER TIERS: 2.73% $250 - $5k | 2.83% $5k - $10k
2.98%*$10k*-48 Month Share Certificate
OTHER TIERS: 2.73% $500 - $5k | 2.83% $5k - $10k
2.78%*$10k*-36 Month Junior Share Certificate
OTHER TIERS: 2.52% $250 - $5k | 2.63% $5k - $10k
2.78%*$10k*-36 Month Share Certificate
OTHER TIERS: 2.52% $500 - $5k | 2.63% $5k - $10k
2.57%*$10k*-24 Month Junior Share Certificate
OTHER TIERS: 2.32% $250 - $5k | 2.42% $5k - $10k
2.57%*$10k*-24 Month Share Certificate
OTHER TIERS: 2.32% $500 - $5k | 2.42% $5k - $10k
2.42%*$10k*-18 Month Junior Share Certificate
OTHER TIERS: 2.17% $250 - $5k | 2.27% $5k - $10k
2.42%*$10k*-18 Month Share Certificate
OTHER TIERS: 2.17% $500 - $5k | 2.27% $5k - $10k
2.27%*$10k*-12 Month Junior Share Certificate
OTHER TIERS: 2.02% $250 - $5k | 2.12% $5k - $10k
2.27%*$10k*-12 Month Share Certificate
OTHER TIERS: 2.02% $500 - $5k | 2.12% $5k - $10k
Locations


Palco Federal Credit Union Locations
Branch Office191 Chad RdMuncy, PA 17756-8146

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