Pennsylvania Central Federal Credit Union
959 East Park Drive
Harrisburg, PA 17111
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2023 Overview
General Credit Union Information
Pennsylvania Central is an NCUA insured institution located in Harrisburg, PA. It was founded in 1938 and has approximately $88.66 millions in assets.
| NCUA Insured | Yes / Federally Chartered |
| Charter Number # | # 2625 |
| Date Established | 1938 |
| Assets | $88.66 million |
| Loans | $75.76 million |
| Deposits | $81.09 million |
| Capital | $6.72 million |
Field of Membership Restrictions
Deposit Rates - March 26, 2023
Your Current Location: Virginia, VA 20146
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| Savings
|
0.10% | $2,500 | $4,999 |
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|
|
Money Market
|
0.15% | $2,500 | $2,999 |
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|
|
Money Market
|
0.20% | $10,000 | $14,999 |
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|
|
Money Market
|
0.25% | $25,000 | $29,999 |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
0.35% | $10,000 | $14,999 |
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|
| 6 Mo CD
|
0.35% | $100,000 | $199,999 |
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|
| 12 Mo CD
|
0.55% | $10,000 | $14,999 |
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|
| 12 Mo CD
|
0.55% | $100,000 | $199,999 |
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|
| 24 Mo CD
|
0.75% | $10,000 | $14,999 |
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|
| 24 Mo CD
|
0.75% | $100,000 | $199,999 |
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|
| 36 Mo CD
|
0.85% | $10,000 | $14,999 |
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|
| 36 Mo CD
|
0.85% | $100,000 | $199,999 |
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|
| 48 Mo CD
|
1.00% | $10,000 | $14,999 |
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|
| 48 Mo CD
|
1.00% | $100,000 | $199,999 |
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|
| 60 Mo CD
|
1.26% | $10,000 | $14,999 |
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|
| 60 Mo CD
|
1.26% | $100,000 | $199,999 |
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|
Loan Rates - March 26, 2023
Your Current Location: Virginia, VA 20146
There are currently no loan rates available for Pennsylvania Central
Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:
Featured - Virginia 30 Year Fixed Mortgage Rates 2023
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
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|---|---|---|---|---|---|---|
NMLS ID: 1429243 |
5.778% | 5.690% | 1.00 | $2,412 | $1,450 | Learn More |
NMLS ID: 3030 |
6.632% | 6.500% | 0.88 | $3,438 | $1,581 | Learn More |
NMLS ID: 1907 |
6.048% | 5.875% | 0.88 | $4,688 | $1,479 | Learn More |
NMLS ID: 3030 |
6.518% | 6.375% | 1.00 | $3,750 | $1,560 | Learn More |
Featured - Virginia Home Equity Line Of Credit Rates 2023
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Third Federal Savings and Loan See Table |
6.740 %
|
$0 |
Learn More
More Info |
Note to Pennsylvania Central
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Branches
Below are Pennsylvania Central branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.
Your Location:
Ashburn,Virginia
Climate Initiatives
PENNSYLVANIA CENTRAL is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
Financial Details
Pennsylvania Central Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of Pennsylvania Central. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.
Texas Ratio
| Pennsylvania Central | U.S. Average |
|---|---|
| 18.05% | 4.63 |
The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.
As of September 30, 2022, Pennsylvania Central had $1,189,628 in non-current loans and $62,398 in owned assets. To cover these potential losses it had $6,722,596 in net worth and $213,880 in loans loss reserves. That gives it a Texas Ratio of 18.05%.
Net Worth
| Pennsylvania Central | U.S. Average |
|---|---|
| 7.58% | 12.52% |
Pennsylvania Central FCU has a net worth of 7.58% versus the BestCashCow average of 12.52. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
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