Credit union · NCUA insured
York Educational Federal Credit Union
A $46M credit union headquartered in York, PA, with 2,787 members and 2 branches in Pennsylvania. Best rates: CDs 4.00% and savings 0.73% APY.
York Educational Federal Credit Union Carrot Score
78
Carrot Score
Higher than 45% of U.S. banks and credit unions
#9 of 19 in York, PA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About York Educational Federal Credit Union
Founded in 1969 by teachers for teachers, York Educational Federal Credit Union provides financial assistance and literacy to the York area.
Headquartered in York, Pennsylvania, the member-owned credit union makes each member a shareholder.
- Headquarters
- 1601 S Queen St, York, PA 17403-4630
- NCUA charter
- 19429
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Membership is open to employees of participating businesses and organizations in the York, PA area.
- Membership is open to members of participating community organizations and churches.
Military, government and schools
- Membership is open to employees of participating school districts and educational institutions in the York, PA area.
- Membership is open to students and members of participating school-related entities and educational organizations.
Family and household
- Membership is open to family members of eligible individuals and employees of participating entities.
Branches
2 branches in Pennsylvania
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Pennsylvania
2 branches
- Main OfficeMain office1601 S Queen St, York, PA 17403Directions
- Red Lion Branch2991 Cape Horn Rd, Red Lion, PA 17356Directions
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 | 10.65% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.16% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.55% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $54 | $59 | — |
- CapitalNet worth ratio10.65%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.16%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.55%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$54Peers’ 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 York Educational 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.