Credit union · NCUA insured
First Commonwealth Federal Credit Union
A $1.5B credit union, the 335th largest of 4,329, headquartered in Allentown, PA, with 98,419 members and 16 branches in 2 states. Best rates: CDs 4.25% and savings 0.50% APY.
First Commonwealth Federal Credit Union Carrot Score
84
Carrot Score
Higher than 65% of U.S. banks and credit unions
#8 of 39 in Allentown, PA-NJ metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About First Commonwealth Federal Credit Union
First Commonwealth Federal Credit Union is a member-owned financial cooperative serving the Greater Lehigh Valley.
- Headquarters
- 6126 Hamilton Blvd Ste 100, Allentown, PA 18106
- NCUA charter
- 12765
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This may be incomplete or out of date, so check with the credit union before you apply.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
- Persons who live, work, worship, or attend school in designated service areas in parts of Pennsylvania and New Jersey are eligible for membership.
Employers and groups
- Employees of participating Employer Partners are eligible for membership.
Family and household
- Immediate family members of an employee of a participating Employer Partner are eligible for membership.
- Immediate family members of a current member are eligible for membership.
- Persons living in the same residence of an existing member and maintaining a single economic unit are eligible for membership.
Other ways
- Consumers who live in Pennsylvania or New Jersey and belong to or join the American Consumer Council (ACC) are eligible for membership.
Cost to join
- An initial $5 deposit into a savings account is required to establish membership.
Branches
16 branches in 2 states
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Pennsylvania
15 branches
Allentown area · 11
- Allentown Commons Financial Center1420 Hanover Ave, Allentown, PA 18109Directions
- Downtown Allentown840 W Hamilton St, Allentown, PA 18101Directions
- Fogelsville7627 Tilghman St, Allentown, PA 18106Directions
- Trexlertown6084 Hamilton Blvd, Allentown, PA 18106Directions
- Crawford5500 Crawford Dr, Bethlehem, PA 18017Directions
- Easton4300 William Penn Hwy, Easton, PA 18045Directions
- Easton Micro902 Philadelphia Rd, Easton, PA 18042Directions
- Northwood3515 Nazareth Rd, Easton, PA 18045Directions
- Emmaus1080 Chestnut St, Emmaus, PA 18049Directions
- Lehighton Financial Center1235 Blakeslee Blvd, Lehighton, PA 18235Directions
- Whitehall2752 MacArthur Rd, Whitehall, PA 18052Directions
Reading area · 4
- Kutztown15093 Kutztown Rd, Kutztown, PA 19530Directions
- Sinking Spring2 Cloister Ct, Sinking Spring, PA 19608Directions
- Phoebe Berks1 Reading Dr, Wernersville, PA 19565Directions
- Wyomissing609 Spring St, Wyomissing, PA 19610Directions
New Jersey
1 branch
- Phillipsburg501 Baltimore St, Phillipsburg, NJ 08865Directions
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 | 10.12% | 10.86% | 12.59% or more |
| Troubled loans60+ days late | 1.53% | 0.70% | 0.46% or less |
| ProfitabilityReturn on assets | 0.69% | 0.82% | 1.16% or more |
| LendingLoans per $100 deposited | $86 | $88 | — |
- CapitalNet worth ratio10.12%Peers’ middle 10.86% · Top 25% 12.59%+
- Troubled loans60+ days late1.53%Peers’ middle 0.70% · Top 25% ≤0.46%
- ProfitabilityReturn on assets0.69%Peers’ middle 0.82% · Top 25% 1.16%+
- LendingLoans per $100 deposited$86Peers’ middle $88
Compared with the 479 credit unions with $1 billion or more 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 First Commonwealth 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.