Credit union · NCUA insured
Penn South Federal Credit Union
A $8.1M credit union headquartered in New York, NY, with 711 members and 1 branch in New York. Best rates: CDs 2.79% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: not enough terms or balances published to score. Savings: rates are not published online. Auto loans: no rates found on its website. Credit cards: only rates Carrot doesn’t compare are published (introductory, refinance or business rates, or none at all).
- CDs—2.79%CD rates →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Penn South Federal Credit Union
Penn South Federal Credit Union is an independent, community-oriented credit union supporting affordable homeownership since 1963.
- Headquarters
- 321 8th Ave, New York, NY 10001-4818
- NCUA charter
- 15459
Branches
1 branch in New York
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New York
1 branch
- Penn South Credit UnionMain office321 8th Ave, New York, NY 10001Directions
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 | 15.08% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 2.38% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 1.22% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $106 | $59 | — |
- CapitalNet worth ratio15.08%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late2.38%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets1.22%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$106Peers’ 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 Penn South 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.