Credit union · NCUA insured
Bethlehem 1st Federal Credit Union
A $73.2M credit union headquartered in Bethlehem, PA, with 4,250 members and 1 branch in Pennsylvania. Best rates: CDs 4.00% and savings 1.25% APY.
Bethlehem 1st Federal Credit Union Carrot Score
71
Carrot Score
Higher than 30% of U.S. banks and credit unions
#24 of 39 in Allentown, PA-NJ metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Bethlehem 1st Federal Credit Union
Established in 1935 in Bethlehem, Pennsylvania, Bethlehem 1st Federal Credit Union is a member-owned institution founded to provide accessible and affordable financial services to its local community.
The credit union operates from its headquarters located in Bethlehem, Pennsylvania.
- Headquarters
- 2317 Easton Ave, Bethlehem, PA 18017-5009
- NCUA charter
- 716
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Individuals associated with affiliated Service Organization SEGs are eligible for membership.
Military, government and schools
- Individuals associated with qualifying Education Select Employee Groups are eligible for membership.
- Employees and constituents of affiliated Municipality SEGs are eligible for membership.
- Individuals associated with qualifying Public Office SEGs are eligible for membership.
- Students belonging to designated Student Groups are eligible for membership.
Family and household
- Family members of existing Bethlehem 1st FCU members (including spouse, children, siblings, parents, grandparents, grandchildren, stepchildren, stepparents, stepsiblings, and adopted children) are eligible for membership.
Branches
1 branch in Pennsylvania
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Pennsylvania
1 branch
- Main OfficeMain office2317 Easton Ave, Bethlehem, PA 18017Directions
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 | 12.36% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 2.11% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 1.24% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $34 | $59 | — |
- CapitalNet worth ratio12.36%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late2.11%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets1.24%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$34Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million 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 Bethlehem 1st 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.