Credit union · NCUA insured
Penn State Federal Credit Union
A $270.2M credit union headquartered in Bellefonte, PA, with 14,380 members and 2 branches in Pennsylvania. Best rates: CDs 3.75% and savings 0.60% APY.
Penn State Federal Credit Union Carrot Score
85
Carrot Score
Higher than 70% of U.S. banks and credit unions
#1 of 18 in State College, PA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Penn State Federal Credit Union
Penn State Federal Credit Union has been serving the Penn State community since 1959.
The credit union is owned by its members.
- Headquarters
- 123 Amberleigh Ln, Bellefonte, PA 16823
- NCUA charter
- 12729
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Individuals who work for eligible partner local companies are eligible for membership.
- Individuals who work for Penn State Federal Credit Union are eligible for membership.
Military, government and schools
- Individuals who are a friend (or member) of the Centre County Chapter of the Penn State Alumni Association are eligible for membership.
- Individuals who work for, attend class at, or are retired from Penn State University are eligible for membership.
Family and household
- Family members or persons living in the same household as an eligible individual are eligible to join.
Branches
2 branches in Pennsylvania
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Pennsylvania
2 branches
- Penn State Federal Credit UnionMain office123 Amberleigh Ln, Bellefonte, PA 16823Directions
- North Atherton Office1937 N Atherton St, State College, PA 16803Directions
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 | 14.01% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.33% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 1.91% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $56 | $76 | — |
- CapitalNet worth ratio14.01%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.33%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets1.91%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$56Peers’ 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 Penn State 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.