Overview / Commentary
611 Centerville RD
Lancaster, PA 17601

Wheatland Federal Credit Union is headquartered in Lancaster and is the 102nd largest credit union in the state of Pennsylvania. It is also the 2,189th largest credit union in the nation. It was established in 1936 and as of September of 2018, it had grown to 18 employees and 6,416 members at 4 locations. Wheatland Federal Credit Union's CD rates are 3X the national average, and it has a B health rating.

Field of Membership Restrictions

Membership to Wheatland Federal Credit Union is open to those who work, worship, live or attend school in Lancaster County, Pennsylvania.
See current membership details

Reviews (1)

A Little Shady???

Posted by: snh25583 | Mar 11, 2011

After being a member for about 7 years, I changed my account to add my husband. He had apparently had an account there two years previous to opening the joint account. He owed money, and when we opened the joint account, no one made mention of this. But two years later they just took the money from our joint account. No notice, no phone call...nothing to tell us that they were taking the money. We are on a limited budget and the money withdrawn put us in the hole. When I contacted the bank, they said there was nothing they could do but they would reprimand the person who opened the joint account for not mentioning the money owed. That did us NO good. This situation was infortunate considering up until that point they had been a good credit union. Now I don't trust them...the account is still open...but NO money goes into it.

Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Wheatland Federal Credit Union has a relatively low asset base.

Health Grade Components

NCUA #1658
Year Chartered1936
Primary Regulator
Profit Margin
Return on Assets - YTD0.34%
Return on Equity - YTD3.74%
Annual Interest Income$1.7MM
Assets and Liabilities
AssetsQ3 2018vs Q3 2017$57.7MM$57.0MM
LoansQ3 2018vs Q3 2017$51.1MM$48.1MM
DepositsQ3 2018vs Q3 2017$50.6MM$51.4MM
Equity CapitalQ3 2018vs Q3 2017$5.3MM$5.1MM
Loan Loss AllowanceQ3 2018vs Q3 2017$120.00K$132.00K
Unbacked Noncurrent LoansQ3 2018vs Q3 2017$301.00K$249.00K
Real Estate OwnedQ3 2018vs Q3 2017$0$114.00K
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Wheatland Federal Credit Union Savings Account Rates

0.25%--Accumulation IRA
0.20%*$5k*-Club Grand Savings
OTHER TIERS: 0.15% Up to $5k
0.10%--Vacation Club Savings
0.10%--Holiday Club Savings
0.10%--Kids “Sharky” Savings
0.05%--Regular Share Savings
0.05%--Personal Choice Savings

Wheatland Federal Credit Union Checking Account Rates

0.75%*$125k*-The Wheatland Fund
OTHER TIERS: 0.15% $5k - $10k | 0.20% $10k - $25k | 0.40% $25k - $50k | 0.50% $50k - $75k | 0.70% $75k - $125k

Wheatland Federal Credit Union CD Rates

2.90%$100k-36 Month Jumbo Certificate Special
2.80%$500-36 Month Certificate
2.80%$100k-24 Month Jumbo Certificate Special
2.75%$500-24 Month Certificate Special
2.35%$500-12 Month Certificate Special
1.99%$100k$250k6 Month Jumbo Certificate Special
1.90%$500-6 Month Certificate

Wheatland Federal Credit Union IRA Rates

2.80%$2k-36 Month IRA Certificate
2.75%$500-24 Month IRA Certificate Special
2.35%$500-12 Month IRA Certificate Special

Wheatland Federal Credit Union Locations
Branch OfficeHempfield High School 200 Stanley AveLandisville, PA 17538
Branch Office611 Centerville RDLancaster, PA 17601
Branch Office2701 Sheaffer RdElizabethtown, PA 17022
Branch OfficeHempfield High School 200 Stanley AveLandisville, PA 17538

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