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Philadelphia Federal Credit Union


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/21/2025
4.20%
Our Rating
3.6  / 5
Jenius Bank
Jenius Savings Account
See Offer
Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/21/2025
4.54%
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
APY APY = Annual Percentage Yield Rates as of 3/21/2025
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
APY APY = Annual Percentage Yield Rates as of 3/21/2025
3.70%
Our Rating
4.3  / 5
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 3/21/2025
4.41%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/21/2025
4.50%
Our Rating
4.1  / 5
BrioDirect
High-Yield Savings
See Offer
Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/21/2025
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
APY APY = Annual Percentage Yield Rates as of 3/21/2025
4.39%
Our Rating
3.6  / 5
Valley National Bank
High-Yield Savings Account Via Raisin
See Offer
Sponsored Note: Valley National Bank, Member FDIC. $1 minimum, with no fees to open and maintain through Raisin. $250 bonus for new customers with a minimum deposit of $25,000 with promo code GET250.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/21/2025
4.25%
Our Rating
3.7  / 5
Sallie Mae Bank
14 Month High-Yield CD Via Raisin
See Offer
Sponsored Note: Sallie Mae Bank, Member FDIC. $1 minimum, with no fees to open and maintain through Raisin. $250 bonus for new customers with a minimum deposit of $25,000 with promo code GET250.
Member FDIC
Bonus Amount
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.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 273rd largest credit union in the nation. It was established in 1951 and as of December of 2024, it had grown to 265 employees and 120,192 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 Q4 2024

Learn why bank health matters

Health Grade Components

Overall
NCUA #7238
Year Chartered1951
Employees265
Primary Regulator
Profit Margin
Return on Assets - YTD0.58%
Return on Equity - YTD4.96%
Annual Interest Income$74.1MM
Assets and Liabilities
AssetsQ4 2024vs Q4 2023$1.77B$1.62B
LoansQ4 2024vs Q4 2023$1.12B$987.5MM
DepositsQ4 2024vs Q4 2023$1.56B$1.43B
Equity CapitalQ4 2024vs Q4 2023$203MM$172.4MM
Loan Loss AllowanceQ4 2024vs Q4 2023$10.8MM$11.4MM
Unbacked Noncurrent LoansQ4 2024vs Q4 2023$13.4MM$9.2MM
Real Estate OwnedQ4 2024vs Q4 2023$306K$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/21/2025
4.20%
Our Rating
3.6  / 5
Jenius Bank
Jenius Savings Account
See Offer
Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/21/2025
4.54%
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
APY APY = Annual Percentage Yield Rates as of 3/21/2025
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
APY APY = Annual Percentage Yield Rates as of 3/21/2025
3.70%
Our Rating
4.3  / 5
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 3/21/2025
4.41%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/21/2025
4.50%
Our Rating
4.1  / 5
BrioDirect
High-Yield Savings
See Offer
Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/21/2025
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
APY APY = Annual Percentage Yield Rates as of 3/21/2025
4.39%
Our Rating
3.6  / 5
Valley National Bank
High-Yield Savings Account Via Raisin
See Offer
Sponsored Note: Valley National Bank, Member FDIC. $1 minimum, with no fees to open and maintain through Raisin. $250 bonus for new customers with a minimum deposit of $25,000 with promo code GET250.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/21/2025
4.25%
Our Rating
3.7  / 5
Sallie Mae Bank
14 Month High-Yield CD Via Raisin
See Offer
Sponsored Note: Sallie Mae Bank, Member FDIC. $1 minimum, with no fees to open and maintain through Raisin. $250 bonus for new customers with a minimum deposit of $25,000 with promo code GET250.
Member FDIC
Bonus Amount
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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* 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%$250$10k6 Month CD
4.25%$10k-6 Month Jumbo CD
4.15%$500$10k1 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$10k2 Year CD
3.90%$500$10k30 Month CD
3.90%$10k-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$10k3 Year CD
3.65%$500$10k4 Year CD
3.65%$500$10k5 Year CD
3.50%$10k-3 Month Jumbo CD
3.40%$250$10k3 Month CD

Philadelphia Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.25%$250$10k6 Month IRA
4.25%$10k-6 Month Jumbo IRA
4.15%$500$10k1 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$10k2 Year IRA
3.90%$500$10k30 Month IRA
3.90%$500$10k18 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$10k3 Year IRA
3.65%$500$10k4 Year IRA
3.65%$500$10k5 Year IRA
3.50%$10k-3 Month Jumbo IRA
3.40%$250$10k3 Month IRA
0.50%$50-IRA Savings Account
Locations

Availability

Philadelphia Area

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