People First Federal Credit Union

TODAY'S FEATURED RATES

Member FDIC

4.54%

Our Rating

4.2 / 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

4.10%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.

Member FDIC

3.70%

Our Rating

4.3 / 5

American Express®

High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.3 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms Apply. Member FDIC

Member FDIC

up to $300

Our Rating

4.3 / 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.peoplefirstcu.org

610-797-7440

740 W Hamilton St Ste 300
Allentown, PA 18101

People First Federal Credit Union is headquartered in Allentown and is the 16^th largest credit union in the state of Pennsylvania. It is also the 477^th largest credit union in the nation. It was established in 1950 and as of December of 2024, it had grown to 154 employees and 74,933 members at 10 locations. People First Federal Credit Union's savings rates are 7X the national average, and it has a B+ health rating.

Field of Membership Restrictions

People First Federal Credit Union is open to those who live in Pennsylvania, New Jersey, Ohio, or West Virginia. Immediate family members of those who qualify for People First membership are also eligible to join.
See current membership details

Reviews (1)

Write a Review

No Real Problems With The Bank

Posted by: TheHills | Dec 21, 2024

We've been with them for about 5 years. Their CD rates are good and we take advantage of them when we can. It's what I expect out of a CU.

There are branches all over the place and another just opened a couple miles from us.

They stopped their overdraft protection charges so it makes my life easier (it's the bank's discretion and PF changed theirs for the better of consumers). I auto-transfer $ from one account to the other when bills are due but if I forget, there's no fee and I won't get in trouble if there are > 6 in a month.

Haven't seen an error on anything and I really appreciate they're doing video conferencing rather than having to go in for whatever. Staff is ALWAYS helpful and go beyond my own expectations (it's not branch-dependent either - all the staff has been good over the years).

My only warning is if this or any other credit union or bank crashes and the next administration removes FDIC and the insurance for credit unions. You'll not be able to get your money back. Insurance covers bank loss in a democratic republic but it won't if our democracy ends.

Comment

Health

B+

Data as of Q4 2024

Learn why bank health matters

Health Grade Components

Overall
NCUA #	6885
Year Chartered	1950
Employees	154
Primary Regulator

Profit Margin
Return on Assets - YTD	-0.16%
Return on Equity - YTD	-2.95%
Annual Interest Income	$43.9MM

Assets and Liabilities
Assets	Q4 2024vs Q4 2023	$923.8MM$859.8MM
Loans	Q4 2024vs Q4 2023	$600.5MM$512.1MM
Deposits	Q4 2024vs Q4 2023	$864.8MM$808.5MM
Equity Capital	Q4 2024vs Q4 2023	$48.4MM$43.9MM
Loan Loss Allowance	Q4 2024vs Q4 2023	$5.2MM$3.1MM
Unbacked Noncurrent Loans	Q4 2024vs Q4 2023	$3.6MM$3.5MM
Real Estate Owned	Q4 2024vs Q4 2023	$0$0

TODAY'S FEATURED RATES

Member FDIC

4.54%

Our Rating

4.2 / 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

4.10%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.

Member FDIC

3.70%

Our Rating

4.3 / 5

American Express®

High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.3 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Member FDIC

up to $300

Our Rating

4.3 / 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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Savings
Money Market
Checking
CD
IRA

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Always verify rates and promotions with the bank or credit union. We are not People First Federal Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

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

People First Federal Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
3.50%^*	$0	$2.5k	Smart Saver Account
OTHER TIERS: 0.25% → $10k+ \| 0.50% → $5k - $10k \| 1.25% → $2.5k - $5k
0.15%	$0	-	Coverdell ESA
0.05%	$0	-	Savings Account
0.05%	$0	-	Holiday Account
0.05%	$0	-	Vacation Account
0.05%	$0	-	Special Account
0.05%	$0	-	Business Holiday Account
0.05%	$0	-	Business Savings Account
0.05%	$0	-	Business Special Account
0.05%	$0	-	Business Vacation Account

People First Federal Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
2.30%^*	$1m^*	-	Money Market
OTHER TIERS: 0.75% → $2.5k - $10k \| 1.05% → $10k - $25k \| 1.30% → $25k - $75k \| 1.55% → $75k - $250k \| 1.80% → $250k - $1m
2.30%^*	$1m^*	-	Business Money Market
OTHER TIERS: 0.75% → $2.5k - $10k \| 1.05% → $10k - $25k \| 1.30% → $25k - $75k \| 1.55% → $75k - $250k \| 1.80% → $250k - $1m

People First Federal Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
4.00%^*	$0	$25k	Hometown Hero Checking
OTHER TIERS: 0.50% → $25k+
0.15%^*	$25k^*	-	Business Share Draft Account
OTHER TIERS: 0.05% → $2.5k - $10k \| 0.10% → $10k - $25k

People First Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
4.35%	$500	-	3 Month Share Certificate
4.35%	$500	-	Business 3 Month Share Certificate
4.25%	$500	-	6 Month Share Certificate
4.25%	$500	-	Business 6 Month Share Certificate
4.15%	$500	-	12 Month Share Certificate
4.15%	$500	-	Business 12 Month Share Certificate
4.00%	$500	-	8 Month Share Certificate
4.00%	$500	-	15 Month Share Certificate
4.00%	$500	-	Business 8 Month Share Certificate
4.00%	$500	-	Business 15 Month Share Certificate
3.50%	$500	-	24 Month Share Certificate
3.50%	$500	-	Business 24 Month Share Certificate
3.35%	$500	-	60 Month Share Certificate
3.35%	$500	-	Business 60 Month Share Certificate
3.25%	$500	-	18 Month Share Certificate
3.25%	$500	-	30 Month Share Certificate
3.25%	$500	-	36 Month Share Certificate
3.25%	$500	-	48 Month Share Certificate
3.25%	$500	-	Business 18 Month Share Certificate
3.25%	$500	-	Business 30 Month Share Certificate
3.25%	$500	-	Business 36 Month Share Certificate
3.25%	$500	-	Business 48 Month Share Certificate

People First Federal Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
4.35%	$500	-	3 Month IRA Share Certificate
4.25%	$500	-	6 Month IRA Share Certificate
4.15%	$500	-	12 Month IRA Share Certificate
4.00%	$500	-	8 Month IRA Share Certificate
4.00%	$500	-	15 Month IRA Share Certificate
3.50%	$500	-	24 Month IRA Share Certificate
3.35%	$500	-	60 Month IRA Share Certificate
3.25%	$500	-	18 Month IRA Share Certificate
3.25%	$500	-	30 Month IRA Share Certificate
3.25%	$500	-	36 Month IRA Share Certificate
3.25%	$500	-	48 Month IRA Share Certificate
0.15%	$0	-	IRA Savings Account
0.15%	$0	-	Roth Contributory IRA

Locations

Cities: Allentown, Bethlehem, Nazareth, Palmerton, Trexlertown, Whitehall

Allentown Branches
Branch Office	2141 Downyflake Ln	Allentown, PA 18103-4774
Corporate Office	740 W Hamilton St Ste 300	Allentown, PA 18101-2474
Branch Office	26 N 6th St Ste 120	Allentown, PA 18101-1430
Branch Office	4680 Broadway Ste A03-A04	Allentown, PA 18104-3214

Bethlehem Branches
Branch Office	2259 Schoenersville Rd	Bethlehem, PA 18017-7418
Branch Office	4150 Easton Ave	Bethlehem, PA 18020-1428

Nazareth Branches
Branch Office	4066 Jandy Blvd	Nazareth, PA 18064-8998

Palmerton Branches
Branch Office	330 Delaware Ave	Palmerton, PA 18071-1814

Trexlertown Branches
Branch Office	6900 Hamilton Blvd	Trexlertown, PA 18087-9101

Whitehall Branches
Branch Office	3682 Crescent Ct E	Whitehall, PA 18052-3400

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