Credit union · NCUA insured
Timberland Federal Credit Union
A $100.5M credit union headquartered in DuBois, PA, with 9,325 members and 4 branches in Pennsylvania. Best rates: CDs 4.00% and savings 0.01% APY.
Timberland Federal Credit Union Carrot Score
85
Carrot Score
Higher than 69% of U.S. banks and credit unions
#2 of 18 in State College, PA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Timberland Federal Credit Union
Timberland Federal Credit Union is a member-owned financial cooperative founded in 1973 as Riverside Employees FCU before changing its name in 1985.
Operating under an underserved community charter, the credit union maintains four branches and serves 14 counties across central Pennsylvania.
- Headquarters
- 821 Beaver Dr, DuBois, PA 15801
- NCUA charter
- 21413
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This may be incomplete or out of date, so check with the credit union before you apply.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
- Anyone who lives, works, worships, or attends school in Armstrong, Blair, Cambria, Cameron, Centre, Clarion, Clearfield, Clinton, Elk, Forest, Huntingdon, Indiana, Jefferson, or Mifflin County in Pennsylvania is eligible for membership.
Employers and groups
- Employees of designated Select Employee Group businesses and members of certain associational groups in the credit union's field of membership are eligible to join.
Family and household
- Immediate family members (spouse, child, sibling, parent, grandparent, grandchild, stepparent, stepchild, stepsibling, adoptive relationships) and household members living in the same residence maintaining a single economic unit with a current member are eligible to join.
Cost to join
- Eligible members can join by opening a share savings account with a $5 deposit.
Branches
4 branches in Pennsylvania
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Pennsylvania
4 branches
DuBois area · 2
- DuBois OfficeMain office821 Beaver Dr, DuBois, PA 15801Directions
- Clearfield Office8764 Clearfield Curwensville Hwy, Clearfield, PA 16830Directions
State College area · 2
- Philipsburg Office201 N Front St, Philipsburg, PA 16866Directions
- Pleasant Gap161 W College Ave, Pleasant Gap, PA 16823Directions
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 | 10.23% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.76% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.83% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $65 | $76 | — |
- CapitalNet worth ratio10.23%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.76%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.83%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$65Peers’ 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 Timberland 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.