Federally chartered credit unions located in Pennsylvania.
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Federally Chartered Credit Unions in Pennsylvania
Join a Pennsylvania employees credit unionBy Yvette Pryce, Freelance Writer Federally chartered credit unions in Pennsylvania may meet a firm’s needs better than a traditional bank. A credit union is owned by its depositors, meaning you (the account holder) have a say in how to run the business. Each member of a credit union gets one vote at the annual election of the Board of Directors.
A Pennsylvania federal credit union is a non-profit entity. This lets it operate at a lower cost than a traditional bank. A Pennsylvania credit union passes through savings to you in the form of higher savings account rates and lower loan interest rates. When choosing a Pennsylvania federal credit union, consider:
1. The advantages of federally chartered credit unions in Pennsylvania over traditional credit unions.
2. Eligibility requirements to join Pennsylvania federal credit unions.
3. Major players among federal credit unions in Pennsylvania.
Learn about the advantages and disadvantages of Pennsylvania federally chartered credit unions
According to the National Credit Union Administration (NCUA), a federal credit union in Pennsylvania is a "financial cooperative chartered by the federal government and owned by its members...Surplus income is returned to members in the form of dividends." A federal credit union has more protections than "average" credit unions. Examples include more frequent audits of financial records, mandatory financial reserves to offset uncollectible loans, control of investments of surpluses and annual exams by the NCUA. The National Credit Union Share Insurance Fund (NCUSIF) bonds accounts in federal credit unions up to $100,000. The main drawback to a credit union is that membership is limited to groups of people with a common bond such as the same employer, association or area of residence. Choose the best Pennsylvania employees credit union for your business.
Try: Visit the NCUA website (part of the government entity Pueblo). Learn how the NCUSIF protects your company’s Pennsylvania state credit union deposits.
Meet eligibility requirements to join a Pennsylvania state credit union
Visit a prospective credit union's website or call to find out the requirements for joining. Requirements vary greatly based on the credit union's federal charter. For example, the APCI Federal Credit Union is restricted to employees, interns, retirees and immediate family members of those who work for Air Products and Chemicals, Inc. or the Air Products Healthcare Company. Some credit unions allow business memberships; others only offer individual memberships. You might want to consider forming a credit union for your employees or collaborating with a local credit union so your employees can benefit from membership.
Try: Visit the National Credit Union Administration to search for federally chartered credit unions in Pennsylvania. See if your business meets eligibility requirements for the APCI Federal Credit Union.
Compare and contrast a few players among federally chartered credit unions in Pennsylvania
Here is a small listing of some other Pennsylvania federally chartered credit unions. The Erie Times Federal Credit Union draws from a diverse network of members including 29 local employers (such as the Camboro Veterinary Hospital, Sue's Notary Service and Whipple-Allen Real Estate), and those who live, worship, work or go to school in and around the city of Erie. This organization offers a variety of loans, checking and savings accounts and insurance products. The Wilkes-Barre Postal Federal Credit Union offers membership to those postal employees who work in Bradford, Carbon, Luzerne, Monroe, Sullivan, Potter, Tioga and Wyoming Counties and their immediate family members, as well as some local businesses. This credit union offers secured and unsecured loans, checking and savings accounts and "Christmas Club" savings incentives.
Try: See if your firm qualifies to join the Erie Times Federal Credit Union or the Wilkes-Barre Postal Federal Credit Union. Other major credit unions include the Pennsylvania Central Credit Union, the University of Pennsylvania Credit Union and the Freedom Credit Union Pennsylvania.
- Shop around. As a company in the state of Pennsylvania, you may qualify to join more than one federally chartered credit union in Pennsylvania. Make sure to compare interest rates for loans, savings and checking accounts to get the best deal.
Compare Today’s Best CD, Mortgage MMA Rates from Top Credit Unions.
Get Federal Credit Unions PA Search for Federal Credit Unions PA
Get Credit Union Listings and Info Near You at Local.com. Search Now!
Find Pennsylvania Credit Unions Phone Numbers, Addresses & Maps.
Federal Credit Union Members can save $343* a year on Auto insurance
A - K Valley Federal Credit Union
A member-owned, not-for-profit, full-service financial cooperative providing a host of products and services.
American Community Federal Credit Union
Provider of low or no-fee financial services, low interest rates for loans, and high yield investment and savings accounts, and other member services.
American Pioneer Federal Credit Union
Not-for-profit and member-owned financial institution providing products and services, including savings and checking accounts and loans.
Full-service financial institution offering services including savings and checking accounts, individual retirement accounts, certificates of deposit, consumer loans from personal loans to mortgages, and credit, debit, and ATM cards. Investment opportuni
Auto Workers Federal Credit Union
Provider of savings, loans, card and vehicle services.
http://www.Autoworkersfcu.Org/
Bellco Employees Federal Credit Union
Not-for-profit, financial cooperative providing savings accounts, loans and financial services.
Bethlehem Teachers Federal Credit Union
Not-for-profit financial provider of banking services to educational institutions and service organizations.
C-B-W Schools Federal Credit Union
Independent financial cooperative offering banking products and services to school employees. Non-school related organizations permitted to join on a selected basis.
Central Keystone Federal Credit Union
Not-for-profit financial cooperative offering offers a variety of savings and investment programs and loans.
Corry Area Schools Credit Union
Provider of savings accounts and loans.
http://www.Corryschoolsfcu.Com/
Provider of online banking, and saving and loan services.
Frick Tri-County Federal Credit Union
Member-owned, not-for-profit financial institution providing banking products and services.
http://www.Fricktricountyfcu.Org/
Provider of services such savings/shares and loans.
Heritage Valley Federal Credit Union
Provider of financial products and services to more than sixteen thousand members and their families employed by select employee groups throughout York County, Pennsylvania.
http://www.Heritagevalleyfcu.Org/
Financial cooperative providing services, including savings, loan, car and audio response.
Provider of financial products and services, including shares, loans, visa cards, safe deposit, e-filing and MAC.
Mon Valley Community Federal Credit Union
Provider of financial services and products, including visa card, shares, loans, Certificate of Deposit's, Individual Retirement Accounts and more.
Provider of banking products and services, including certificates, MAC access card, online banking, loans, checking accounts and more.
New Cumberland Federal Credit Union
Provider of financial products and services, including checking and money management, savings and investments, loans and member benefits.
Parkview Community Federal Credit Union
Provider of savings and checking accounts, loans, mortgages and more.
Penn East Federal Credit Union
Provider of savings, club and certificate accounts, loans, 24 hour ATM and phone access. No fees on most services.
Penn State Federal Credit Union
Provider of financial products and services for the Penn State community.
Pittsburgh Firefighters Federal Credit Union
Provider of financial products and services, including direct deposit, wire transfer, money access cards(MACs), full service checking, vacation share accounts and more.
Provider of financial products and services.
Provider of financial products and services. Memberships available to individuals belonging to a church in the 15120 zip code area, residents of Munhall, Whitaker, West Homestead or Homestead Boroughs, or individuals employed in the 15120 zip code area.
UFCW Local 1776 Federal Credit Union
Provider of services such as savings, payroll deductions, IRA accounts, mastercards, Certificate of Deposit's, low cost loans, 24 hour touch tone telephone service and share draft accounts.
http://www.1776creditunion.Org/
Provider of financial products, including personal loans, mortgages, Visa Credit and Debit Cards, savings and checking accounts, IRA's and Money Market accounts.
VA Pittsburgh Employees Federal Credit Union
Provider of lending and deposit services. Home banking also available.
Valley Ist Community Federal Credit Union
Provider of savings and loan programs for Rostraver, Donora and Monessen residents. Home banking also available.
Provider of financial products, including shares and loans. Financial services provided include ATM card, money orders, savings bonds and Western Union wiring capabilities.
Washington Area Teachers Federal Credit Union
Provider of financial services and products. Memberships available to any employee, active or retired, or family member from specific educational institutions in Washington County, Pennsylvania.
Provider of savings and loan programs. Other services also available.
Wyo-Val-West School Employees Federal Credit Union
Provider of financial products and services. Membership open to employees, students and retirees of the Wyoming Valley West School District. Family and household members also eligible.
http://www.Wyo-val-westfcu.Com/
Provider of financial products, including share accounts and loans. Services also available.
Tips & Advice to help you make your decision on Federally Chartered Credit Unions in Pennsylvania
Many employees, firms and business owners choose to join credit unions because they want to have a say in how their financial institution is run. Credit unions are member run, non-profit institutions. Unlike a traditional bank or other financial institution, a credit union is a member owned financial institution. If you have an account with the credit union, you have a stake in the business, regardless of the amount of your investment. Another benefit to joining a credit union is their competitive loan rates.
There are many great federally chartered credit unions in Pennsylvania for employees, firms and business owners to choose from. Depending on the specific credit union, there ... more
Many employees, firms and business owners choose to join credit unions because they want to have a say in how their financial institution is run. Credit unions are member run, non-profit institutions. Unlike a traditional bank or other financial institution, a credit union is a member owned financial institution. If you have an account with the credit union, you have a stake in the business, regardless of the amount of your investment. Another benefit to joining a credit union is their competitive loan rates.
There are many great federally chartered credit unions in Pennsylvania for employees, firms and business owners to choose from. Depending on the specific credit union, there are different requirements for joining. Some credit unions require a minimum balance and others require an initial deposit to open an account. Be sure to research the various credit union options in your area prior to making your final decision.
Business.com provides helpful information and resources to help you learn more about federally chartered credit unions in Pennsylvania and can help you find the right credit union for your firm. Please visit the links on the left to find out more about some of the best credit unions in your area.