Credit union · NCUA insured
PA Central Federal Credit Union
A $136.9M credit union headquartered in Harrisburg, PA, with 12,558 members and 5 branches in Pennsylvania. Best rates: CDs 4.06% and savings 0.30% APY.
PA Central Federal Credit Union Carrot Score
83
Carrot Score
Higher than 63% of U.S. banks and credit unions
#4 of 26 in Harrisburg, PA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About PA Central Federal Credit Union
PA Central Federal Credit Union maintains its main office in Harrisburg, Pennsylvania.
- Headquarters
- 959 E Park Dr, Harrisburg, PA 17111-2810
- NCUA charter
- 2625
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This may be incomplete or out of date, so check with the credit union before you apply.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, worship, attend school, or conduct business in Dauphin, Cumberland, or Lebanon Counties are eligible for membership.
Family and household
- Individuals who are related to an existing member are eligible for membership.
Branches
5 branches in Pennsylvania
Loading map…
Pennsylvania
5 branches
Harrisburg area · 3
- Main OfficeMain office959 E Park Dr, Harrisburg, PA 17111Directions
- Derry Street5050 Derry St, Harrisburg, PA 17111Directions
- Jonestown Road5137 Jonestown Rd, Harrisburg, PA 17112Directions
Lewistown area · 1
- Burnham101 1st Ave, Burnham, PA 17009Directions
Lebanon area · 1
- Palmyra1220 E Main St, Palmyra, PA 17078Directions
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 | 10.56% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.63% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.83% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $67 | $76 | — |
- CapitalNet worth ratio10.56%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.63%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.83%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$67Peers’ 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 PA Central 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.