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Philadelphia Federal Credit Union

Popular Accounts at this Credit Union

2.05%5-year CD5 Year CD
1.10%1-year CD1 Year CD
0.25%SavingsRegular Savings

Overview / Commentary
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 264th largest credit union in the nation. It was established in 1951 and as of September of 2017, it had grown to 256 employees and 115,398 members at 11 locations. Philadelphia Federal Credit Union's CD rates are 39% higher than 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 study in Philadelphia or Columbia County or be a current or retired employee of Pennsylvania Hospital, Philadelphia Port Authority, Danville Area School District and over 100 area Select Employer Groups.
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A Community Bank

Philadelphia Federal Credit Union membership is open to anyone who lives, works, or goes to school in Philadelphia. Their services range from saving accounts, to mortgages, to auto loans. I go to physical branch locations roughly once every other month, and their weekend hours make it easy to get to the bank when I need it.

PFCU has competitive rates, friendly customer service, and pretty decent online banking. Their branches have convenient locations throughout the city, and with the account I have, I am not charged surcharges when I use ATMs, which is very useful. I have never had a problem with PFCU or any of their services. Right now, I have a checking account and a money market account with them, and after comparing their rates to other institutions, I am sure I'm getting the best deal. I am planning on taking out an auto loan soon, and have a lot of confidence in what they can offer me. Of course, because they are a smaller institution, their online banking isn't quite as user-friendly as bigger banks, but overall I am still very happy with it.

Philadelphia Federal credit union.

Posted by: tommac122 | Apr 10, 2014

I love the Philadelphia credit union, especially the Roosevelt boulevard branch. The employees are always so friendly, and eager and willing to help. I can honestly say I've never had a bad experience. I recommend PFCU to anyone.

PFCU is a Credit Union That Should be Investigated

I had high expectations for being a member of Philadelphia Federal Credit Union. I knew credit unions were better for the community that national banks, but I found this not to be the case with PFCU. They had only one ATM machine to do deposits and it was broken every weekend for 2 years. No matter how many times others and I complained they failed to maintain the machine. Therefore we bounced many transactions and were charged a ton of fees by PFCU because we could not deposit money into our account in time to cover auto deductions from utility bills that were on auto-pay. I also found that they nickle and dimed members every chance they got. Complaints went unanswered. I contacted a consumer group and PFCU lied and said that their ATM was only broken 3% of the time. That was very much not the case.

Long time member

Posted by: JM2 | Oct 10, 2014

Overall, Philadelphia Federal Credit Union offers a very great service. Customer service has always been top notch and any issue I've had was easily and quickly resolved. My funds were always secure and they do not charge any hidden fees nor do they charge exorbitant fees for a membership. The main downside I've had is access to branches. They do not have very many locations in the city which is inconvenient.



Health Grade Components

NCUA #7238
Year Chartered1951
Primary Regulator
Profit Margin
Return on Assets - YTD0.96%
Return on Equity - YTD7.76%
Annual Interest Income$32.2MM
Assets and Liabilities
AssetsQ3 2017vs Q3 2016$1.09B$1.02B
LoansQ3 2017vs Q3 2016$647.5MM$604.7MM
DepositsQ3 2017vs Q3 2016$947.0MM$894.4MM
Equity CapitalQ3 2017vs Q3 2016$135.2MM$124.3MM
Loan Loss AllowanceQ3 2017vs Q3 2016$9.9MM$9.7MM
Unbacked Noncurrent LoansQ3 2017vs Q3 2016$12.5MM$17.5MM
Real Estate OwnedQ3 2017vs Q3 2016$482.00K$1.3MM
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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

0.45%$50-IRA Savings Account
0.30%*$2k*-Higher Yield Savings
OTHER TIERS: 0.25% $50 - $2k
0.25%$50-Regular Savings
0.25%$50-Health Savings Account
0.25%$50-Business Primary Savings
0.20%$50-Vacation Club Savings Account
0.20%$50-Holiday Club Savings Account
0.20%*$10k*-Business Sweep Savings
OTHER TIERS: 0.10% $2,500 - $5k | 0.15% $5k - $10k

Philadelphia Federal Credit Union Money Market Rates

0.40%*$25k*-Money Market Account
OTHER TIERS: 0.25% $50 - $2,500 | 0.30% $2,500 - $10k | 0.35% $10k - $25k
0.40%*$10k*-Business Money Market Savings Account
OTHER TIERS: 0.25% $1k - $2,500 | 0.30% $2,500 - $10k

Philadelphia Federal Credit Union Checking Account Rates

0.20%*$5k*-Better Checking
OTHER TIERS: 0.15% $1k - $5k
0.20%*$5k*-Senior Checking
OTHER TIERS: 0.15% $500 - $5k
0.20%*$10k*-Business Growth Checking
OTHER TIERS: 0.10% $2,500 - $5k | 0.15% $5k - $10k

Philadelphia Federal Credit Union CD Rates

2.25%$10k-5 Year Jumbo CD
2.05%$500$10k5 Year CD
2.00%$10k-4 Year Jumbo CD
1.80%$500$10k4 Year CD
1.75%$10k-3 Year Jumbo CD
1.60%$10k-30 Month Jumbo CD
1.55%$500$10k3 Year CD
1.50%$10k-2 Year Jumbo CD
1.40%$500$10k30 Month CD
1.30%$500$10k2 Year CD
1.25%$10k-1 Year Jumbo CD
1.10%$500$10k1 Year CD
0.75%$10k-6 Month Jumbo CD
0.65%$250$10k6 Month CD
0.50%$10k-3 Month Jumbo CD
0.40%$250$10k3 Month CD

Philadelphia Federal Credit Union IRA Rates

2.25%$10k-5 Year Jumbo IRA
2.05%$250$10k5 Year IRA
2.00%$10k-4 Year Jumbo IRA
1.80%$250$10k4 Year IRA
1.75%$10k-3 Year Jumbo IRA
1.60%$10k-30 Month Jumbo IRA
1.55%$250$10k3 Year IRA
1.50%$10k-2 Year Jumbo IRA
1.40%$250$10k30 Month IRA
1.30%$250$10k2 Year IRA
1.25%$10k-1 Year Jumbo IRA
1.10%$250$10k1 Year IRA
0.75%$10k-6 Month Jumbo IRA
0.65%$250$10k6 Month IRA
0.50%$10k-3 Month Jumbo IRA
0.40%$250$10k3 Month IRA