Credit union · NCUA insured
Mountain Laurel Federal Credit Union
Top CarrotA $172.9M credit union headquartered in St. Marys, PA, with 17,905 members and 6 branches in Pennsylvania. Best rates: CDs 4.00% and savings 0.40% APY.
Mountain Laurel Federal Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 82% of U.S. banks and credit unions
#1 of 7 in Bradford, PA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Mountain Laurel Federal Credit Union
Mountain Laurel Federal Credit Union is a not-for-profit financial institution owned by its members.
- Headquarters
- 413 S Michael St, St. Marys, PA 15857
- NCUA charter
- 20053
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This may be incomplete or out of date, so check with the credit union before you apply.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 Elk, Cameron, McKean, Warren, Potter, or Forest County in Pennsylvania are eligible for membership.
Family and household
- Immediate family members of all current members of Mountain Laurel FCU are eligible for membership.
Cost to join
- An initial deposit of $5.25 is required to establish membership.
Branches
6 branches in Pennsylvania
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Pennsylvania
6 branches
Bradford area · 3
- Mountain Laurel FCU Bradford Branch135 S Kendall Ave, Bradford, PA 16701Directions
- Mountain Laurel FCU Kane Branch211 S Fraley St, Kane, PA 16735Directions
- Mountain Laurel FCU Port Allegany Branch22 Church St, Port Allegany, PA 16743Directions
St. Marys area · 1
- Mountain Laurel FCU Main OfficeMain office413 S Michael St, St. Marys, PA 15857Directions
Emporium area · 1
- Mountain Laurel FCU Emporium Branch22 W 4th St, Emporium, PA 15834Directions
Warren area · 1
- Mountain Laurel FCU Warren 2 Branch117 Pennsylvania Ave W, PO Box 783, Warren, PA 16365Directions
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 | 19.68% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.08% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 2.26% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $60 | $76 | — |
- CapitalNet worth ratio19.68%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.08%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets2.26%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$60Peers’ 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 Mountain Laurel 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.