Credit union · NCUA insured
Hershey Federal Credit Union
A $126.2M credit union headquartered in Hummelstown, PA, with 9,341 members and 2 branches in Pennsylvania. Best rates: CDs 4.00% and savings 0.50% APY.
Hershey Federal Credit Union Carrot Score
80
Carrot Score
Higher than 51% of U.S. banks and credit unions
#7 of 26 in Harrisburg, PA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Hershey Federal Credit Union
Founded in 1949 by Hershey Chocolate Company employees as Hershey Employees #464 Federal Credit Union, the institution changed its name to Hershey Federal Credit Union in 1982.
Hershey Federal Credit Union became a community-chartered credit union in November 2003 and opened its headquarters on Route 39, north of Hershey, in 2007.
Guided by a dedicated volunteer board of directors, the credit union is committed to the financial growth of its members and making a positive impact on the community.
- Headquarters
- 232 Hershey Rd, Hummelstown, PA 17036
- NCUA charter
- 6095
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This may be incomplete or out of date, so check with the credit union before you apply.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
- Individuals and their immediate family members (spouse, children, siblings, parents, grandparents, grandchildren, step-parents, step-children, step-siblings, and adopted relationships) who live, work, worship, or attend school in Dauphin or Lebanon Counties are eligible for membership.
Family and household
- Any immediate family member (spouse, children, siblings, parents, grandparents, grandchildren, step-parents, step-children, step-siblings, and adopted relationships) of current Hershey FCU members is eligible to join.
Cost to join
- All members are required to make a $5.00 deposit upon account opening.
Branches
2 branches in Pennsylvania
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Pennsylvania
2 branches
Lebanon area · 1
- Annville Branch710 E Main St, Annville, PA 17003Directions
Harrisburg area · 1
- Hershey Office904 E Chocolate Ave, Hershey, PA 17033Directions
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 | 9.53% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.58% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.65% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $93 | $76 | — |
- CapitalNet worth ratio9.53%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.58%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.65%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$93Peers’ 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 Hershey 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.