Credit union · NCUA insured
Wheatland Federal Credit Union
A $70M credit union headquartered in Lancaster, PA, with 4,926 members and 3 branches in Pennsylvania. Best rates: CDs 3.90% and savings 0.05% APY.
Wheatland Federal Credit Union Carrot Score
81
Carrot Score
Higher than 57% of U.S. banks and credit unions
#6 of 28 in Lancaster, PA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Wheatland Federal Credit Union
Wheatland Federal Credit Union has been serving Lancaster County since 1936, when it was originally chartered to meet the banking needs of Hamilton Watch employees.
The member-owned credit union now serves over 5,000 members across Lancaster County.
- Headquarters
- 611 Centerville RD, Lancaster, PA 17601
- NCUA charter
- 1658
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This may be incomplete or out of date, so check with the credit union before you apply.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
- Persons who live, work, or attend school in Lancaster County qualify for membership.
Family and household
- Immediate family members of Wheatland account holders qualify for membership.
Cost to join
- A $10 membership fee is required ($1 for members under 18).
- A $5 deposit is required for opening your savings account.
Branches
3 branches in Pennsylvania
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Pennsylvania
3 branches
- CentervilleMain office611 Centerville RD, Lancaster, PA 17601Directions
- E-Town2701 Sheaffer Rd, Elizabethtown, PA 17022Directions
- Hempfield High SchoolHempfield High School, 200 Stanley Ave, Landisville, PA 17538Directions
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 | 8.59% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.24% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.46% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $60 | $59 | — |
- CapitalNet worth ratio8.59%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.24%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.46%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$60Peers’ 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 Wheatland 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.