Credit union · NCUA insured
Penlanco Federal Credit Union
A $28M credit union headquartered in Lancaster, PA, with 1,719 members and 1 branch in Pennsylvania. Best rates: CDs 4.25% and savings 0.25% APY.
Penlanco Federal Credit Union Carrot Score
80
Carrot Score
Higher than 51% of U.S. banks and credit unions
#7 of 28 in Lancaster, PA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Penlanco Federal Credit Union
Penlanco Federal Credit Union has been serving members since 1938 and is headquartered in Lancaster, Pennsylvania.
The credit union has supported the PPL Electric Utilities family for more than 85 years.
- Headquarters
- 20E E Roseville Rd, Lancaster, PA 17601-3871
- NCUA charter
- 2834
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees, volunteers, students, clients, or members of participating employer groups and partner organizations are eligible for membership.
Military, government and schools
- Veterans, active-duty military members, and reservists are eligible for membership through partnership with the National Credit Union Coalition for America’s Heroes.
Family and household
- Immediate family (spouse, children, grandchildren, siblings, parents, grandparents, and step-relatives) and household members of current members or individuals eligible for membership are eligible to join.
Branches
1 branch in Pennsylvania
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Pennsylvania
1 branch
- Penlanco Federal Credit UnionMain office20E E Roseville Rd, Lancaster, PA 17601Directions
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 | 12.49% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.15% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.41% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $73 | $59 | — |
- CapitalNet worth ratio12.49%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.15%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.41%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$73Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million 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 Penlanco 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.