Credit union · NCUA insured
Bradford Area Federal Credit Union
A $11.9M credit union headquartered in Bradford, PA, with 1,386 members. Best rates: CDs 4.07% and savings 2.02% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards.
- CDs—4.07%CD rates →
- Savings—2.02%Savings rates →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Bradford Area Federal Credit Union
Based in Bradford, Pennsylvania, Bradford Area Federal Credit Union was organized in March 1960 at Corning Glass Works as Brad Corning Federal Credit Union.
The financial cooperative became Bradford Area Federal Credit Union in 1987 following a merger with Zippo Employees Federal Credit Union.
- Headquarters
- 52 Davis St, Ste 1, Bradford, PA 16701-2016
- NCUA charter
- 13823
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Membership is open to employees or members of participating area companies and organizations.
Military, government and schools
- Membership is open to employees of listed government entities (Bradford Post Office, Bradford Housing Authority, McKean Co Courthouse, Corydon Township, Mt Jewett Borough/Authority).
Family and household
- Membership is open to individuals who have a family member belonging to the credit union.
Branches
Branches
No public branch offices are listed in the regulator directory.
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 | 13.71% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.30% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.18% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $67 | $59 | — |
- CapitalNet worth ratio13.71%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.30%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.18%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$67Peers’ 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 Bradford Area 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.