Credit union · NCUA insured
Sarco Federal Credit Union
A $9.2M credit union headquartered in Bethlehem, PA, with 630 members and 1 branch in Pennsylvania. Best rates: CDs 3.91% APY.
Sarco Federal Credit Union Carrot Score
80
Carrot Score
Higher than 52% of U.S. banks and credit unions
#10 of 39 in Allentown, PA-NJ metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Sarco Federal Credit Union
Sarco Federal Credit Union opened its charter in 1936 as Spirax/Sarco FCU before moving to Bethlehem, Pennsylvania, and changing its name in 1998.
- Headquarters
- 1214 w broad st, Bethlehem, PA 18018-4952
- NCUA charter
- 1669
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This may be incomplete or out of date, so check with the credit union before you apply.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
- Membership is open to anyone who lives, works, worships, or goes to school / attends school in Bethlehem, Pennsylvania.
Branches
1 branch in Pennsylvania
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Pennsylvania
1 branch
- sarco federal credit unionMain office1214 w broad st, Bethlehem, PA 18018Directions
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 | 23.41% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 1.22% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 1.63% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $87 | $59 | — |
- CapitalNet worth ratio23.41%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late1.22%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets1.63%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$87Peers’ 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 Sarco 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.