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Overview / Commentary
3498 Industrial Hwy
York, PA 17402-9050

White Rose Credit Union is headquartered in York and is the 88th largest credit union in the state of Pennsylvania. It is also the 1,948th largest credit union in the nation. It was established in 1950 and as of June of 2016, it had grown to 31 employees and 10,532 members at 6 locations. White Rose Credit Union has a B+ health rating.

Field of Membership Restrictions

Membership is open to those who live, work, attend school, worship or own a business in Adams or York Counties in Pennsylvania.
See current membership details

Reviews (3)

Great Credit Union

I have been a member of White Rose Credit Union since moving here from Tennessee in 2006.  I love the family atmosphere and the welcoming staff.  They do their best to help in good and bad times.  They are always looking for ways to better my membership.  Thanks White Rose.

What I Learned About White Rose!

Posted by: jenswanner | Nov 9, 2012

These peoplr are definately working hard for me as a member to make a profit! I wish more people would take the time to get to know about a company that handles their money. They are the real deal. Thank you white Rose Credit Union for helping me become mire financially healthy on a lower middle class income. I really didn't think it was possible.

Awful Experience- Lost Title

Posted by: PittGuy05 | Jun 15, 2015

This company’s a joke. Our car has been paid off for almost 2-months, they lost our title, told us we had to pay the fee ($50) for a duplicate, and when we contacted the DMV, the DMV said there was still a lien on the vehicle, and they couldn't release it (Even though the bank said they released it electronically 2-months ago). However, the vehicle is paid off, and we can't get any assistance from anyone at the bank. The Industrial Drive branch manager offered no assistance to help resolve our issue. All they could say is, “these things happen from time-to-time, and you’ll just have to get a duplicate from the DMV… We owe you nothing.” So here we are, with a car paid in full, and no title to show for it. We knew the car was close to being paid-off, and upon contacting them originally, they told us it has been paid off for almost 2-months, and they opened a savings account to put excess payments in (we had no clue since they never once tried contacting us). They then tried to say our information in the system was outdated, but somehow we still received statements for the loan at our new address. The manager wanted us to tell him who we spoke with, and the time and date we spoke to them over a year ago to change our address! They're amateurs. I’ve bought and sold a lot of cars over the years, and have never had such a bad experience as this one. Stay far far away. There are plenty of banks out there, and this one will never get our business again... Hopefully this post will deter others. Maybe when they start seeing a decline in business, they'll realize its time to listen to their customers, and help. Instead, we've hit a brick wall, and have no idea how to resolve the issue, as no one is willing to help.

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. White Rose Credit Union has a relatively low asset base.

Health Grade Components

NCUA #68296
Year Chartered1950
Primary Regulator
Profit Margin
Return on Assets - YTD-0.06%
Return on Equity - YTD-0.6%
Annual Interest Income$1.2MM
Assets and Liabilities
AssetsQ2 2016vs Q2 2015$69.8MM$65.4MM
LoansQ2 2016vs Q2 2015$39.7MM$32.8MM
DepositsQ2 2016vs Q2 2015$63.0MM$58.0MM
Equity CapitalQ2 2016vs Q2 2015$6.7MM$7.1MM
Loan Loss AllowanceQ2 2016vs Q2 2015$235.00K$197.00K
Unbacked Noncurrent LoansQ2 2016vs Q2 2015$151.00K$195.00K
Real Estate OwnedQ2 2016vs Q2 2015$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.

White Rose Credit Union Savings Account Rates

0.25%--IRA Variable Savings
OTHER TIERS: 0.15% $100 - $25k
0.15%--Club Account

White Rose Credit Union Money Market Rates

0.30%*$50k*-Money Market Account
OTHER TIERS: 0.15% $1k - $10k | 0.20% $10k - $25k | 0.25% $25k - $50k

White Rose Credit Union CD Rates

0.75%$500-48 Month CD
0.50%$500-36 Month CD
0.40%$500-30 Month CD
0.35%$500-24 Month CD
0.30%$500-18 Month CD
0.25%$500-12 Month CD
0.20%$500-6 Month CD
0.15%$500-3 Month CD

White Rose Credit Union IRA Rates

0.75%$500-48 Month IRA
0.50%$500-36 Month IRA
0.40%$500-30 Month IRA
0.35%$500-24 Month IRA
0.30%$500-18 Month IRA
0.25%$500-12 Month IRA
0.20%$500-6 Month IRA
0.15%$500-3 Month IRA

White Rose Credit Union Locations
Branch Office601 Mundis Mill RdYork, PA 17406
Branch Office160 E Main StDallastown, PA 17313
Branch Office3498 Industrial HwyYork, PA 17402-9050
Branch Office1529 Rodney RdYork, PA 17408
Branch Office107 E Philadelphia StYork, PA 17401
Branch Office1001 Carlisle StHanover, PA 17331