Palco Federal Credit Union


Overview / Commentary
570-546-2333
191 Chad Rd
Muncy, PA 17756-0330

Palco Federal Credit Union is headquartered in Muncy and is the 87th largest credit union in the state of Pennsylvania. It is also the 1,850th largest credit union in the nation. It was established in 1938 and as of December of 2023, it had grown to 14 employees and 5,886 members at 1 location. Palco Federal Credit Union's money market rates are 6X the national average, and it has a B+ health rating.

Field of Membership Restrictions

PALCO Federal Credit Union is open to those who live, work, worship, attend school, or regularly conduct business the Pennsylvania counties of Bradford, Columbia, Lycoming, Montour, Northumberland, Sullivan, Tioga or Union.
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Health
B+
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 - YTD0.54%
Return on Equity - YTD5.57%
Annual Interest Income$2.9MM
Assets and Liabilities
AssetsQ4 2023vs Q4 2022$97.2MM$98.8MM
LoansQ4 2023vs Q4 2022$31.4MM$25.1MM
DepositsQ4 2023vs Q4 2022$87.5MM$91MM
Equity CapitalQ4 2023vs Q4 2022$9.3MM$7.7MM
Loan Loss AllowanceQ4 2023vs Q4 2022$234K$210K
Unbacked Noncurrent LoansQ4 2023vs Q4 2022$219K$48K
Real Estate OwnedQ4 2023vs Q4 2022$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
2.63%*$75k*-Money Market Savings Account
OTHER TIERS: 2.53% $2k - $20k | 2.58% $20k - $75k
2.58%*$10k*-Money Market Checking Account
OTHER TIERS: 2.53% $2.5k - $10k

Palco Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.33%*$10k*-12 Month Junior Share Certificate
OTHER TIERS: 4.07% $250 - $5k | 4.18% $5k - $10k
4.33%*$10k*-18 Month Junior Share Certificate
OTHER TIERS: 4.07% $250 - $5k | 4.18% $5k - $10k
4.33%*$10k*-24 Month Junior Share Certificate
OTHER TIERS: 4.13% $250 - $5k | 4.23% $5k - $10k
4.33%*$10k*-12 Month Share Certificate
OTHER TIERS: 4.07% $500 - $5k | 4.18% $5k - $10k
4.33%*$10k*-18 Month Share Certificate
OTHER TIERS: 4.07% $500 - $5k | 4.18% $5k - $10k
4.33%*$10k*-24 Month Share Certificate
OTHER TIERS: 4.13% $500 - $5k | 4.23% $5k - $10k
4.23%*$10k*-36 Month Junior Share Certificate
OTHER TIERS: 4.13% $250 - $5k | 4.18% $5k - $10k
4.23%*$10k*-36 Month Share Certificate
OTHER TIERS: 4.13% $500 - $5k | 4.18% $5k - $10k
4.18%*$10k*-48 Month Junior Share Certificate
OTHER TIERS: 4.13% $250 - $10k
4.18%*$10k*-48 Month Share Certificate
OTHER TIERS: 4.13% $500 - $10k
4.13%*$10k*-60 Month Junior Share Certificate
OTHER TIERS: 4.02% $250 - $5k | 4.07% $5k - $10k
4.13%*$10k*-60 Month Share Certificate
OTHER TIERS: 4.02% $500 - $5k | 4.07% $5k - $10k
Locations


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

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