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Philadelphia Federal Credit Union


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 292nd largest credit union in the nation. It was established in 1951 and as of December of 2023, it had grown to 265 employees and 120,320 members at 11 locations. Philadelphia Federal Credit Union's savings rates are 6X the national average, and it has a B+ 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

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Reviews (12)

Philadelphia Federal credit union.

Posted by: |

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.

3

Philadelphia Federal credit union.

Posted by: |

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.

3

Credit union rating

Posted by: |

The customer service is either average or bad. The fees are non existent. The good thing about a credit unioin is that I do not have to maintain a certain amount of money. I can have a zero balance and not be charged fifteen dollars per month or have my account closed. There are not enough branches around although I live in the center of the city and there are only two branches not close by. The down side is that to withdraw money you go to a convenience store and only one branch has an atm that allows you to make deposits.

2

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
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Health
B+

Data as of Q4 2023

Learn why bank health matters

Health Grade Components

Overall
NCUA #7238
Year Chartered1951
Employees265
Primary Regulator
Profit Margin
Return on Assets - YTD0.56%
Return on Equity - YTD5.2%
Annual Interest Income$63.5MM
Assets and Liabilities
AssetsQ4 2023vs Q4 2022$1.62B$1.6B
LoansQ4 2023vs Q4 2022$987.5MM$885.3MM
DepositsQ4 2023vs Q4 2022$1.43B$1.44B
Equity CapitalQ4 2023vs Q4 2022$172.4MM$148.6MM
Loan Loss AllowanceQ4 2023vs Q4 2022$11.4MM$3.8MM
Unbacked Noncurrent LoansQ4 2023vs Q4 2022$9.2MM$6.9MM
Real Estate OwnedQ4 2023vs Q4 2022$0$0
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
3.25%*$10k*-Higher Yield Savings
OTHER TIERS: 1.30% → $50 - $10k
0.40%$50-IRA Savings Account
0.20%$50-Regular Savings
0.20%$50-Vacation Club Savings Account
0.20%$50-Holiday Club Savings Account
0.20%$50-Business Primary Savings
0.20%$50-Pledge Share
0.10%$50-Health Savings Account

Philadelphia Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.25%*$25k*-Money Market Account
OTHER TIERS: 0.35% → $50 - $2.5k | 0.40% → $2.5k - $10k | 0.75% → $10k - $25k
0.35%*$10k*-Business Money Market Savings Account
OTHER TIERS: 0.25% → $1k - $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*-Business Growth Checking
OTHER TIERS: 0.10% → $2.5k - $5k

Philadelphia Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
5.25%$500$10k1 Year CD
5.25%$10k-1 Year Jumbo CD
4.30%$10k-2 Year Jumbo CD
4.25%$10k-18 Month Jumbo CD
4.20%$500$10k2 Year CD
4.15%$10k-18 Month CD
4.05%$10k-30 Month Jumbo CD
3.95%$500$10k30 Month CD
3.95%$10k-3 Year Jumbo CD
3.90%$10k-4 Year Jumbo CD
3.85%$500$10k3 Year CD
3.85%$10k-5 Year Jumbo CD
3.80%$500$10k4 Year CD
3.75%$500$10k5 Year CD
3.40%$10k-6 Month Jumbo CD
3.30%$250$10k6 Month CD
1.01%$10k-3 Month Jumbo CD
0.91%$250$10k3 Month CD

Philadelphia Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
5.25%$250$10k1 Year IRA
5.25%$10k-1 Year Jumbo IRA
4.30%$10k-2 Year Jumbo IRA
4.25%$10k-18 Month Jumbo IRA
4.20%$250$10k2 Year IRA
4.15%$10k-18 Month IRA
4.05%$10k-30 Month Jumbo IRA
3.95%$250$10k30 Month IRA
3.95%$10k-3 Year Jumbo IRA
3.90%$10k-4 Year Jumbo IRA
3.85%$250$10k3 Year IRA
3.85%$10k-5 Year Jumbo IRA
3.80%$250$10k4 Year IRA
3.75%$250$10k5 Year IRA
3.40%$10k-6 Month Jumbo IRA
3.30%$250$10k6 Month IRA
1.01%$10k-3 Month Jumbo IRA
0.91%$250$10k3 Month IRA
Locations

Availability



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