Credit union · NCUA insured
Philadelphia Federal Credit Union Savings Rates
Top CarrotPhiladelphia Federal Credit Union’s best savings rate is 3.50% APY on $10,000, with its Higher Yield Savings. Rates checked October 16, 2026.
How Philadelphia Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Philadelphia, PA-NJ-DE-MD, where Philadelphia Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Philadelphia Federal Credit Union
3.50%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $350
Higher Yield Savings
Top rate
Woori America Bank
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $1,000
- Earns on $10,000 a year
- $500
2nd-highest rate
Comenity Capital Bank
4.05%APY
- Requires
- None
- Minimum
- $100
- Earns on $10,000 a year
- $405
Philadelphia Federal Credit Union savings score
95
Savings score
Higher than 98% of U.S. banks and credit unions
- $1,000 balance$1,0001.30%
- $10,000 balance$10,0003.50%
- $100,000 balance$100,0003.50%
- QualifiedQualified3.50%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Philadelphia Federal Credit Union ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Higher Yield Savings
Up to 3.50%APY
Tiered rate structure rewards bigger balances. No monthly fees or minimum balance requirements.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50 and upTier 1: $50 minimum daily balance required to obtain stated rate and yield. | 1.30% | $130 | Tier 1: $50 minimum daily balance required to obtain stated rate and yield. |
| $2,000 and upTier 2: $2,000 minimum daily balance required to obtain stated rate and yield. | 1.30% | $130 | Tier 2: $2,000 minimum daily balance required to obtain stated rate and yield. |
| $10,000 and upTier 3: $10,000 minimum daily balance required to obtain stated rate and yield. | 3.50% | $350 | Tier 3: $10,000 minimum daily balance required to obtain stated rate and yield. |
| $25,000 and upTier 4: $25,000 minimum daily balance required to obtain stated rate and yield. | 3.50% | — | Tier 4: $25,000 minimum daily balance required to obtain stated rate and yield. |
Sources (3)
- pfcu.com/personal/accounts/savings
- pfcu.com/personal/accounts/savings/higher-yield-savings
- pfcu.com/resources/information/rates-and-fees
All captured Sep 17, 2026
Money Market Savings
Up to 1.25%APY
Earn dividends on balances of $50 or more. $5 monthly fee waived if minimum daily balance is $2,500 or greater each day of the month.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50 and upMinimum daily balance required to earn stated dividend rate and APY. $5 monthly fee waived if the minimum daily balance is $2,500 or greater for each day of the month. | 0.35% | $35 | Minimum daily balance required to earn stated dividend rate and APY. $5 monthly fee waived if the minimum daily balance is $2,500 or greater for each day of the month. |
| $2,500 and upMinimum daily balance required to earn stated dividend rate and APY. $5 monthly fee waived if the minimum daily balance is $2,500 or greater for each day of the month. | 1.00% | $100 | Minimum daily balance required to earn stated dividend rate and APY. $5 monthly fee waived if the minimum daily balance is $2,500 or greater for each day of the month. |
| $10,000 and upMinimum daily balance required to earn stated dividend rate and APY. $5 monthly fee waived if the minimum daily balance is $2,500 or greater for each day of the month. | 1.25% | $125 | Minimum daily balance required to earn stated dividend rate and APY. $5 monthly fee waived if the minimum daily balance is $2,500 or greater for each day of the month. |
| $25,000 and upMinimum daily balance required to earn stated dividend rate and APY. $5 monthly fee waived if the minimum daily balance is $2,500 or greater for each day of the month. | 1.50% | — | Minimum daily balance required to earn stated dividend rate and APY. $5 monthly fee waived if the minimum daily balance is $2,500 or greater for each day of the month. |
Sources (2)
- pfcu.com/personal/accounts/savings/money-market-savings
- pfcu.com/resources/information/rates-and-fees
All captured Sep 17, 2026
Pledge Share
0.20%APY
Pledge Share Account rate same as Regular Savings Share Account.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50 and upMinimum balance to obtain APY is $50.00.$50 and up | 0.20% | $20 | Minimum balance to obtain APY is $50.00. |
Sources (1)
- pfcu.com/resources/information/rates-and-fees · captured Sep 17, 2026
Regular Savings
0.10%APY
Open account with $5 minimum deposit. Dividends are compounded daily and calculated on the daily balance.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50 and upMinimum balance to earn dividends is $50.00.$50 and up | 0.10% | $10 | Minimum balance to earn dividends is $50.00. |
Sources (3)
- pfcu.com/personal/accounts/savings
- pfcu.com/personal/accounts/savings/regular-savings
- pfcu.com/resources/information/rates-and-fees
All captured Sep 17, 2026
Special-purpose accounts
IRA Savings
0.50%APY
IRA Accounts are insured separately up to $250,000 by the NCUA. No minimum contribution level stated for IRA accounts.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50 and upMinimum balance to obtain APY is $50.00.$50 and up | 0.50% | $50 | Minimum balance to obtain APY is $50.00. |
Health Savings Accounts
0.10%APY
Must have a high-deductible insurance policy. Dividends are compounded daily and credited monthly on the last day of each month.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50 and up$50 minimum deposit to open account. $50 minimum balance to earn dividends.$50 and up | 0.10% | $10 | $50 minimum deposit to open account. $50 minimum balance to earn dividends. |
Sources (3)
- pfcu.com/personal/accounts/savings
- pfcu.com/personal/accounts/sav…/health-savings-accounts
- pfcu.com/resources/information/rates-and-fees
All captured Sep 17, 2026
Holiday & Vacation Savings
0.10%APY
Separate savings accounts for special purposes. No monthly fees.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50 and upNo minimum balance to open, $50 minimum balance to earn dividends.$50 and up | 0.10% | $10 | No minimum balance to open, $50 minimum balance to earn dividends. |
Sources (3)
- pfcu.com/personal/accounts/savings
- pfcu.com/personal/accounts/sav…holiday-vacation-savings
- pfcu.com/resources/information/rates-and-fees
All captured Sep 17, 2026
Who can join Philadelphia Federal Credit Union
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).
Membership information collected October 5, 2026.