Credit union · NCUA insured
Belco Community Credit Union
A $983.6M credit union headquartered in Harrisburg, PA, with 68,378 members and 13 branches in Pennsylvania. Best rates: CDs 4.10% and savings 0.04% APY.
Belco Community Credit Union Carrot Score
73
Carrot Score
Higher than 34% of U.S. banks and credit unions
#14 of 26 in Harrisburg, PA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Belco Community Credit Union
Established in 1939 in Central Pennsylvania, Belco Community Credit Union is a member-owned, not-for-profit financial cooperative.
Belco operates 13 branches and serves members across Adams, Cumberland, Dauphin, Lancaster, Lebanon, Perry, and York counties in Pennsylvania.
- Headquarters
- 449 Eisenhower Blvd, Harrisburg, PA 17111
- NCUA charter
- 68256
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This may be incomplete or out of date, so check with the credit union before you apply.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 Adams, Cumberland, Dauphin, Lancaster, Lebanon, Perry, or York counties in Pennsylvania.
Family and household
- Eligibility is open to immediate family members, direct relatives, or dependents of an existing member.
Cost to join
- Membership requires opening a Basic Savings / Share Savings Account with a minimum deposit/balance of $5.00.
Branches
13 branches in Pennsylvania
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Pennsylvania
13 branches
Harrisburg area · 7
- Eastgate5 Eastgate Dr, Carlisle, PA 17015Directions
- North Hanover St320 N Hanover St, Carlisle, PA 17013Directions
- Enola4600 Mount Zion Drive, Enola, PA 17025Directions
- Allentown Boulevard5500 Allentown Blvd, Harrisburg, PA 17112Directions
- Paxton Street4015 Paxton Street, Harrisburg, PA 17111Directions
- Carlisle Pike - Mechanicsburg5304 Carlisle Pike, Mechanicsburg, PA 17050Directions
- Big Spring5 Carlisle Rd, Newville, PA 17241Directions
Lancaster area · 3
- Oregon Pike1758 Oregon Pike, Lancaster, PA 17601Directions
- Regency Square201 Good Dr, Lancaster, PA 17603Directions
- South Duke Street452 S Duke St, Lancaster, PA 17602Directions
Gettysburg area · 1
- Gettysburg1063 York Rd, Gettysburg, PA 17325Directions
York area · 1
- Hanover221 Wilson Ave, Hanover, PA 17331Directions
Lebanon area · 1
- Lebanon2217 W Cumberland St, Lebanon, PA 17042Directions
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
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 10.74% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.56% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.95% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $69 | $76 | — |
- CapitalNet worth ratio10.74%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.56%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.95%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$69Peers’ 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 Belco Community Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.