Credit union · NCUA insured
Arize Federal Credit Union
A $175.2M credit union headquartered in State College, PA, with 11,905 members and 3 branches in Pennsylvania. Best rates: CDs 4.50% and savings 0.20% APY.
Arize Federal Credit Union Carrot Score
66
Carrot Score
Higher than 16% of U.S. banks and credit unions
#10 of 18 in State College, PA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Arize Federal Credit Union
Arize Federal Credit Union is a member-owned financial cooperative headquartered in Central Pennsylvania at 1145 Benner Pike.
Tracing roots to 1945 and founded in 1978 for HRB Singer employees as SPE Credit Union, it rebranded to Arize in 2021.
The credit union serves a nine-county region in Central Pennsylvania, including Clearfield, Centre, Blair, Huntingdon, Juniata, Mifflin, Union, Clinton, and Snyder counties.
- Headquarters
- 1145 Benner Pike, State College, PA 16801
- NCUA charter
- 24187
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Eligibility is open to anyone who lives, works, worships, volunteers, or attends school in Clearfield, Centre, Blair, Huntingdon, Juniata, Mifflin, Union, Clinton, or Snyder County.
Employers and groups
- Organizations of eligible people qualify for membership.
- Recipients of a pension or annuity from a Centre County employer qualify for membership.
Family and household
- Immediate family or household members of an eligible person qualify for membership.
Cost to join
- A $5 deposit into a share savings account establishes membership ownership and remains in the account during membership.
Branches
3 branches in Pennsylvania
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Pennsylvania
3 branches
State College area · 2
- State College - Benner PikeMain office1145 Benner Pike, State College, PA 16801Directions
- Science Park Office650 Science Park Rd, State College, PA 16803Directions
Huntingdon area · 1
- Huntingdon - New9902 Shaner Blvd, Huntingdon, PA 16652Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 7.82% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 2.12% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.19% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $74 | $76 | — |
- CapitalNet worth ratio7.82%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late2.12%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.19%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$74Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Arize Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.