Credit union · NCUA insured
Philadelphia Federal Credit Union
Top CarrotA $2B credit union, the 266th largest of 4,329, headquartered in Philadelphia, PA, with 122,105 members and 14 branches in Pennsylvania. Best rates: CDs 4.05% and savings 3.50% APY.
Philadelphia Federal Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 93% of U.S. banks and credit unions
#10 of 118 in Philadelphia, PA-NJ-DE-MD metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Philadelphia Federal Credit Union
Philadelphia Federal Credit Union is a member-owned credit union headquartered in Philadelphia, Pennsylvania, serving members since 1951.
The credit union operates locations across Philadelphia, Montgomery, and Columbia County, Pennsylvania.
- Headquarters
- 12800 Townsend Rd, Philadelphia, PA 19154-1003
- NCUA charter
- 7238
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This may be incomplete or out of date, so check with the credit union before you apply.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, study, worship or do business in Philadelphia or Columbia County are eligible to join.
Employers and groups
- Employees of businesses in one of PFCU's select employee groups are eligible to join.
Family and household
- Immediate family members or individuals living with a current PFCU member are eligible to join PFCU.
Cost to join
- Membership requires opening a PFCU Regular Savings account and making a deposit (amount unstated).
Branches
14 branches in Pennsylvania
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Pennsylvania
14 branches
Philadelphia area · 13
- PFCU Operations CenterMain office12800 Townsend Rd, Philadelphia, PA 19154Directions
- Glenside - 259 S Easton259 S Easton Rd, Glenside, PA 19038Directions
- Center City - 1108 Chestnut1108 Chestnut St, Philadelphia, PA 19107Directions
- Center City - 1600 Arch1600 Arch St, Philadelphia, PA 19103Directions
- East Falls - 4300 Ridge4300 Ridge Ave, Philadelphia, PA 19129Directions
- Fishtown - 2135 E Dauphin2136 E Dauphin St, Philadelphia, PA 19125Directions
- Northeast - 8025 Roosevelt8025 Roosevelt Blvd, Philadelphia, PA 19152Directions
- Northeast - Service Center12800 Townsend Rd, Philadelphia, PA 19154Directions
- Northwest Philadelphia - 6707 Germantown6707 Germantown Ave, Philadelphia, PA 19119Directions
- South Philadelphia - 929 Snyder929 Snyder Ave, Philadelphia, PA 19148Directions
- Temple - 1801 N Broad1801 N Broad St, Howard Gittis Student Center, Philadelphia, PA 19122Directions
- Torresdale - 3799 Clarendon3799 Clarendon Ave, Philadelphia, PA 19114Directions
- West Philadelphia - 5000 Baltimore5000 Baltimore Ave, Philadelphia, PA 19143Directions
Bloomsburg area · 1
- Bloomsburg - 1615 Columbia1615 Columbia Blvd, Bloomsburg, PA 17815Directions
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
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 12.51% | 10.86% | 12.59% or more |
| Troubled loans60+ days late | 0.99% | 0.70% | 0.46% or less |
| ProfitabilityReturn on assets | 0.66% | 0.82% | 1.16% or more |
| LendingLoans per $100 deposited | $72 | $88 | — |
- CapitalNet worth ratio12.51%Peers’ middle 10.86% · Top 25% 12.59%+
- Troubled loans60+ days late0.99%Peers’ middle 0.70% · Top 25% ≤0.46%
- ProfitabilityReturn on assets0.66%Peers’ middle 0.82% · Top 25% 1.16%+
- LendingLoans per $100 deposited$72Peers’ middle $88
Compared with the 479 credit unions with $1 billion or more 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 Philadelphia 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.