Palco Federal Credit Union

Popular Accounts at this Credit Union

APY	ACCOUNT TYPE	HOW THEY COMPARE
3.19%	5-year CD	3.10% - Goldman Sachs Bank USA High-yield 5 Year CD
2.27%	1-year CD	2.75% - Goldman Sachs Bank USA High-yield 12 Month CD
0.20%	Savings	2.20% - Barclays Online Savings Account

View all Palco Federal Credit Union rates »

Overview / Commentary

www.palcofcu.org

191 Chad Rd
Muncy, PA 17756-8146

Palco Federal Credit Union is headquartered in Muncy and is the 80^th largest credit union in the state of Pennsylvania. It is also the 1,839^th 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).
See current membership details

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Health

Data as of Q4 2018

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

Health Grade Components

Overall
NCUA #	2959
Year Chartered	1938
Employees	14
Primary Regulator

Profit Margin
Return on Assets - YTD	0.53%
Return on Equity - YTD	4.7%
Annual Interest Income	$2.2MM

Assets and Liabilities
Assets	Q4 2018vs Q4 2017	$79.2MM$76.7MM
Loans	Q4 2018vs Q4 2017	$22.6MM$22.4MM
Deposits	Q4 2018vs Q4 2017	$70.1MM$67.8MM
Equity Capital	Q4 2018vs Q4 2017	$9.0MM$8.7MM
Loan Loss Allowance	Q4 2018vs Q4 2017	$140.00K$143.00K
Unbacked Noncurrent Loans	Q4 2018vs Q4 2017	$225.00K$229.00K
Real Estate Owned	Q4 2018vs Q4 2017	$0$0

Rates

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Savings
Money Market
CD

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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

APY	MIN	MAX	ACCOUNT NAME
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

APY	MIN	MAX	ACCOUNT NAME
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

APY	MIN	MAX	ACCOUNT NAME
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 Office	191 Chad Rd	Muncy, PA 17756-8146

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