Credit union · NCUA insured
White Rose Credit Union
Top CarrotA $116.3M credit union headquartered in York, PA, with 10,636 members and 5 branches in Pennsylvania. Best rates: CDs 3.55% and savings 1.00% APY.
White Rose Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 76% of U.S. banks and credit unions
#4 of 19 in York, PA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About White Rose Credit Union
Established in 1950, White Rose Credit Union is a member-owned financial institution serving York and Adams counties in Pennsylvania across four branches.
The credit union originated in a small garage before relocating to an office at the Downtown Post Office.
- Headquarters
- 3498 Industrial Hwy, York, PA 17402-9050
- NCUA charter
- 68296
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This may be incomplete or out of date, so check with the credit union before you apply.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, attends school, or owns a business in York or Adams County, Pennsylvania.
Cost to join
- There is a $1.00 membership fee upon becoming a member.
- A $5.00 deposit is placed into the member's savings account to secure membership, refundable upon closing the membership.
Branches
5 branches in Pennsylvania
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Pennsylvania
5 branches
- Dallastown160 E Main St, Dallastown, PA 17313Directions
- Central School Branch601 Mundis Mill Rd, York, PA 17406Directions
- Downtown107 E Philadelphia St, York, PA 17401Directions
- East York3603 E Market St, York, PA 17402Directions
- West York1529 Rodney Rd, York, PA 17408Directions
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 | 8.91% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.35% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.51% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $53 | $76 | — |
- CapitalNet worth ratio8.91%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.35%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.51%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$53Peers’ 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 White Rose Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.