Credit union · NCUA insured
PEPCO Federal Credit Union
A $33.4M credit union headquartered in Washington, DC, with 1,984 members and 1 branch in District of Columbia. Best rates: CDs 5.12% and savings 0.05% APY.
PEPCO Federal Credit Union Carrot Score
85
Carrot Score
Higher than 71% of U.S. banks and credit unions
#38 of 105 in Washington, DC-VA-MD-WV metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About PEPCO Federal Credit Union
PEPCO Federal Credit Union is a member-owned credit union headquartered in Washington, D.C.
- Headquarters
- 701 9th St NW Ste 6230, Washington, DC 20001-4572
- NCUA charter
- 367
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Permanent full-time employees of PEPCO Federal Credit Union are eligible for membership.
- Permanent full time employees of the Potomac Electric Power Company, PHI, or its corporate Affiliates working in Washington D.C., Maryland, or Virginia are eligible for membership.
- Organizations composed exclusively of individuals within the Credit Union's field of membership are eligible.
- Members of PEPCO FCU who are no longer employed by Potomac Electric Power Company, PHI, its Corporate Affiliates, or PEPCO FCU and retain their membership remain eligible.
Family and household
- Family members of eligible persons, including parents, grandparents, husband, wife, children, grandchildren, brothers, and sisters, are eligible for membership.
Other ways
- Retirees are eligible for membership.
Branches
1 branch in District of Columbia
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District of Columbia
1 branch
- Pepco FCUMain office701 9th St NW Ste 6230, Washington, DC 20001Directions
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 | 7.66% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 8.42% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | -1.73% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $32 | $59 | — |
- CapitalNet worth ratio7.66%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late8.42%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets-1.73%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$32Peers’ 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 PEPCO 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.