Credit union · NCUA insured
New Cumberland Federal Credit Union
A $232.7M credit union headquartered in New Cumberland, PA, with 22,762 members and 6 branches in Pennsylvania. Best rates: CDs 3.14% and savings 0.40% APY.
New Cumberland Federal Credit Union Carrot Score
83
Carrot Score
Higher than 62% of U.S. banks and credit unions
#6 of 19 in York, PA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About New Cumberland Federal Credit Union
Chartered in 1952 by employees of the New Cumberland Army Depot Defense Distribution Center, New Cumberland Federal Credit Union is a member-owned financial institution.
The credit union serves six Pennsylvania counties: Cumberland, Dauphin, York, Adams, Perry, and Lebanon.
- Headquarters
- 345 Lewisberry Rd, New Cumberland, PA 17070-2306
- NCUA charter
- 8110
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This may be incomplete or out of date, so check with the credit union before you apply.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 who live, work, study, worship, or volunteer in Adams, Cumberland, Dauphin, Lebanon, Perry, or York counties are eligible for membership.
Family and household
- Individuals who have a family member living in Adams, Cumberland, Dauphin, Lebanon, Perry, or York counties are eligible for membership.
Cost to join
- Opening a Regular Savings Account with at least $5.00 is required to join NCFCU.
Branches
6 branches in Pennsylvania
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Pennsylvania
6 branches
York area · 3
- Main officeMain office345 Lewisberry Rd, New Cumberland, PA 17070Directions
- EDC office1 Airport Dr, Defense Distribution Center Room 123, New Cumberland, PA 17070Directions
- York office200 Memory Ln, York, PA 17402Directions
Harrisburg area · 2
- Harrisburg office2630 Linglestown Rd, Harrisburg, PA 17110Directions
- Mechanicsburg office6692 Carlisle Pike, Mechanicsburg, PA 17050Directions
Lebanon area · 1
- Gap office1805 N State Route 934, Fort Indiantown Gap Building 9-121 Iland Ave, Annville, PA 17003Directions
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 | 9.48% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.74% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.84% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $64 | $76 | — |
- CapitalNet worth ratio9.48%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.74%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.84%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$64Peers’ 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 New Cumberland 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.