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Philadelphia Federal Credit Union


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/2/2025
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
APY APY = Annual Percentage Yield Rates as of 7/2/2025
3.80%
Our Rating
4.2  / 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
APY APY = Annual Percentage Yield Rates as of 7/2/2025
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
APY APY = Annual Percentage Yield Rates as of 7/2/2025
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
Bonus Amount
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
www.pfcu.com
215-934-3500
12800 Townsend Rd
Philadelphia, PA 19154-1003

Philadelphia Federal Credit Union is headquartered in Philadelphia and is the 9th largest credit union in the state of Pennsylvania. It is also the 271st largest credit union in the nation. It was established in 1951 and as of March of 2025, it had grown to 269 employees and 120,606 members at 12 locations. Philadelphia Federal Credit Union's savings rates are 7X the national average, and it has an A health rating.

Field of Membership Restrictions

Membership in Philadelphia Federal Credit Union is open to those who live, work, worship, or attend school in Philadelphia County or Columbia County, Pennsylvania. Employees/retirees of The City of Philadelphia Non-Uniformed Employees, Related Agencies, and Authorities & Corps. qualify for membership, as do employees/retirees of more than 250 SEGs.
See current membership details

Reviews (1)

They Closed My Account

Posted by: |

This was a joint account that hadn't been checked for 2 months. Did not know that my account was in the negative for more than 30 days. Although we've had this account for about 20 years they shut it down after 30 days for a negative account that I was unaware of. That in itself is terrible, deplorable an unfair. 20 years, no problems. Shut down after 30 days. I would never bank at this location ever again. And I don't recommend anyone else to do so.

2


Health
A

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
NCUA #7238
Year Chartered1951
Employees269
Primary Regulator
Profit Margin
Return on Assets - YTD0.35%
Return on Equity - YTD3.04%
Annual Interest Income$20.2MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$1.84B$1.67B
LoansQ1 2025vs Q1 2024$1.13B$1.01B
DepositsQ1 2025vs Q1 2024$1.62B$1.49B
Equity CapitalQ1 2025vs Q1 2024$208.8MM$174.8MM
Loan Loss AllowanceQ1 2025vs Q1 2024$11.3MM$10.9MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$11.2MM$12.2MM
Real Estate OwnedQ1 2025vs Q1 2024$306K$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/2/2025
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
APY APY = Annual Percentage Yield Rates as of 7/2/2025
3.80%
Our Rating
4.2  / 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
APY APY = Annual Percentage Yield Rates as of 7/2/2025
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
APY APY = Annual Percentage Yield Rates as of 7/2/2025
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
Bonus Amount
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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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Philadelphia Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.50%*$10k*-Higher Yield Savings
OTHER TIERS: 1.30% → $50 - $10k
0.20%$50-Business Primary Savings
0.20%$50-Pledge Share
0.10%$50-Regular Savings
0.10%$50-Vacation Club Savings Account
0.10%$50-Holiday Club Savings Account
0.10%$50-Health Savings Account

Philadelphia Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.50%*$25k*-Money Market Account
OTHER TIERS: 0.35% → $50 - $2.5k | 1.00% → $2.5k - $10k | 1.25% → $10k - $25k
1.50%*$10k*-Business Money Market Savings Account
OTHER TIERS: 0.10% → $0 - $1k | 0.50% → $1k - $2.5k | 1.00% → $2.5k - $10k

Philadelphia Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.20%*$5k*-Better Checking
OTHER TIERS: 0.10% → $1k - $5k
0.20%*$5k*-Senior Checking
OTHER TIERS: 0.10% → $500 - $5k
0.20%*$5k*-Commercial Checking
OTHER TIERS: 0.10% → $2.5k - $5k

Philadelphia Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.25%$10k-6 Month Jumbo CD
4.15%$250-6 Month CD
4.15%$500-1 Year CD
4.15%$10k-1 Year Jumbo CD
4.00%$10k-2 Year Jumbo CD
4.00%$10k-30 Month Jumbo CD
4.00%$10k-18 Month Jumbo CD
3.90%$500-2 Year CD
3.90%$500-30 Month CD
3.90%$500-18 Month CD
3.75%$10k-3 Year Jumbo CD
3.75%$10k-4 Year Jumbo CD
3.75%$10k-5 Year Jumbo CD
3.65%$500-3 Year CD
3.65%$500-4 Year CD
3.65%$500-5 Year CD
3.50%$10k-3 Month Jumbo CD
3.40%$250-3 Month CD

Philadelphia Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.25%$10k-6 Month Jumbo IRA
4.15%$250-6 Month IRA
4.15%$500-1 Year IRA
4.15%$10k-1 Year Jumbo IRA
4.00%$10k-2 Year Jumbo IRA
4.00%$10k-30 Month Jumbo IRA
4.00%$10k-18 Month Jumbo IRA
3.90%$500-2 Year IRA
3.90%$500-30 Month IRA
3.90%$500-18 Month IRA
3.75%$10k-3 Year Jumbo IRA
3.75%$10k-4 Year Jumbo IRA
3.75%$10k-5 Year Jumbo IRA
3.65%$500-3 Year IRA
3.65%$500-4 Year IRA
3.65%$500-5 Year IRA
3.50%$10k-3 Month Jumbo IRA
3.40%$250-3 Month IRA
0.50%$50-IRA Savings Account
Locations

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