Credit union · NCUA insured
Tri County Area Federal Credit Union
A $210.4M credit union headquartered in Pottstown, PA, with 12,710 members and 2 branches in Pennsylvania. Best rates: CDs 3.98% and savings 1.20% APY.
Tri County Area Federal Credit Union Carrot Score
82
Carrot Score
Higher than 61% of U.S. banks and credit unions
#40 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 Tri County Area Federal Credit Union
Founded in 1949 by eight employees of Firestone Rubber Company in Pottstown, the institution was originally organized as Firestone #336 FCU.
It transitioned to Pottsgroves Community Federal Credit Union before changing its name to Tri County Area FCU in July 1984 following a merger with Beth-Pottstown FCU.
The community-chartered credit union serves 41 townships and boroughs across Berks, Montgomery, and Chester counties, operating branches in Pottstown and Pennsburg along with student branches.
- Headquarters
- 1550 Medical Dr, Pottstown, PA 19464-3225
- NCUA charter
- 6269
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This may be incomplete or out of date, so check with the credit union before you apply.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 one of the 41 specified townships or boroughs in Berks, Chester, and Montgomery counties is eligible to join.
Employers and groups
- Any business or other legal entity operating within one of the specified 41 townships or boroughs is eligible for membership.
Family and household
- Family members related by blood or adoption and household members of a current Tri County Area Federal Credit Union member are eligible to join.
Branches
2 branches in Pennsylvania
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Pennsylvania
2 branches
- 1550 Medical DrMain office1550 Medical Dr, Pottstown, PA 19464Directions
- 110 Pottstown Ave110 Pottstown Ave, Pennsburg, PA 18073Directions
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 | 10.62% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 1.57% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.93% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $57 | $76 | — |
- CapitalNet worth ratio10.62%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late1.57%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.93%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$57Peers’ 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 Tri County Area 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.