Credit union · NCUA insured
Pheple FCU
Top CarrotA $136.8M credit union headquartered in Greensburg, PA, with 18,291 members and 9 branches in Pennsylvania. Best rates: CDs 3.69% and savings 0.10% APY.
Pheple FCU Carrot Score
Carrot ScoreTop Carrot
Higher than 77% of U.S. banks and credit unions
#6 of 100 in Pittsburgh, PA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Pheple FCU
Pheple Federal Credit Union was originally founded in 1951 as Bellco Employees Federal Credit Union.
Headquartered in Greensburg, Pennsylvania, the credit union serves Allegheny, Armstrong, Fayette, Washington, and Westmoreland Counties.
- Headquarters
- 230 Theobold Ave, Greensburg, PA 15601-5536
- NCUA charter
- 7297
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This may be incomplete or out of date, so check with the credit union before you apply.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, or attend school in Allegheny, Armstrong, Fayette, Washington, or Westmoreland Counties are eligible for membership.
Family and household
- Immediate family members of individuals who live, work, worship, or attend school in Allegheny, Armstrong, Fayette, Washington, or Westmoreland Counties are eligible for membership.
Cost to join
- A $5 deposit into a share savings account is required to become a member.
Branches
9 branches in Pennsylvania
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Pennsylvania
9 branches
- EastGate5142 State Route 30 Ste 105, Greensburg, PA 15601Directions
- Greensburg Central Catholic High School911 Armory Dr, Greensburg, PA 15601Directions
- Willow Crossing708 State Route 119, Greensburg, PA 15601Directions
- Penn Trafford Student Branch3381 Route 130, Harrison City, PA 15636Directions
- Penn Valley1075 Harrison City Export Rd, Jeannette, PA 15644Directions
- Latrobe Hospital121 w 2nd ave, Latrobe, PA 15650Directions
- Kiski Area Student Branch240 hyde park rd, Leechburg, PA 15656Directions
- Tarentum Branch209 5th Ave, Tarentum, PA 15084Directions
- WCCC Branch145 pavilion ln, Youngwood, PA 15697Directions
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 | 9.55% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.57% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.76% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $93 | $76 | — |
- CapitalNet worth ratio9.55%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.57%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.76%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$93Peers’ 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 Pheple FCU are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.