Philadelphia Federal Credit Union

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 287th largest credit union in the nation. It was established in 1951 and as of March of 2024, it had grown to 268 employees and 120,042 members at 11 locations. Philadelphia Federal Credit Union's savings rates are 6X 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

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.

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.

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.

They Closed My Account

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.



Health Grade Components

NCUA #7238
Year Chartered1951
Primary Regulator
Profit Margin
Return on Assets - YTD0.57%
Return on Equity - YTD5.32%
Annual Interest Income$17.1MM
Assets and Liabilities
AssetsQ1 2024vs Q1 2023$1.67B$1.63B
LoansQ1 2024vs Q1 2023$1.01B$905.3MM
DepositsQ1 2024vs Q1 2023$1.49B$1.46B
Equity CapitalQ1 2024vs Q1 2023$174.8MM$157.5MM
Loan Loss AllowanceQ1 2024vs Q1 2023$10.9MM$3.9MM
Unbacked Noncurrent LoansQ1 2024vs Q1 2023$12.2MM$6MM
Real Estate OwnedQ1 2024vs Q1 2023$0$0
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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

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

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

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

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

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


Philadelphia Area

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