Washington, DC 20001
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.11% 1.00% →
1-Year CD 0.20% 0.95% →
2-Year CD 0.25% 0.95% →
5-Year CD N.A. 1.30% →
30-Year Mortgage N.A. 2.80% →
15-Year Mortgage N.A. 2.37% →
HELOC N.A. 2.79% →

2020 Overview

General Credit Union Information

Pepco is an NCUA insured institution located in Washington, DC. It was founded in 1935 and has approximately $38.09 millions in assets.

NCUA Insured Yes
Charter Number # # 367
Date Established 1935
Assets $38.09 million
Loans $7.70 million
Deposits $34.49 million
Capital $3.45 million

Field of Membership Restrictions

Membership is open to employees of the Potomac Electric Power Company and its affiliates, who work in Washington DC, Maryland or Virginia.

Deposit Rates - October 19, 2020

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
0.11% $2,500 $4,999 Learn More
Money Market
0.05% $10,000 $14,999 Learn More
Money Market
0.05% $25,000 $29,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
3 Mo CD
0.15% $10,000 $14,999 Learn More
3 Mo CD
0.15% $100,000 $199,999 Learn More
6 Mo CD
0.20% $10,000 $14,999 Learn More
6 Mo CD
0.20% $100,000 $199,999 Learn More
12 Mo CD
0.20% $10,000 $14,999 Learn More
12 Mo CD
0.20% $100,000 $199,999 Learn More
24 Mo CD
0.25% $10,000 $14,999 Learn More
24 Mo CD
0.25% $100,000 $199,999 Learn More
36 Mo CD
0.30% $10,000 $14,999 Learn More
36 Mo CD
0.30% $100,000 $199,999 Learn More

Loan Rates - October 19, 2020

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for PEPCO

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 2020

Lender APR Rate (%) Points Fees Monthly
Learn More
Rocket Mortgage
NMLS ID: 3030
3.620% 3.500% 1.00 $3,750 $1,123 Learn More
NMLS ID: 2890
License#: MC-3098
2.574% 2.500% 1.00 $2,445 $988 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
See Table
2.240 %
$0 Learn More
More Info

Note to PEPCO
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Below are Pepco branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

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Pepco Locations

Financial Details

Pepco Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Pepco. 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
Pepco U.S. Average
9.54% 6.71

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 March 30, 2020, Pepco had $351,571 in non-current loans and $0 in owned assets. To cover these potential losses it had $3,452,354 in net worth and $231,672 in loans loss reserves. That gives it a Texas Ratio of 9.54%.

Net Worth
Pepco U.S. Average
9.06% 13.61%

Pepco FCU has a net worth of 9.06% versus the BestCashCow average of 13.61. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About Pepco

Branches and Savings

What is Pepco?

A federal credit union, registered with the NCUA under certificate #367.
Learn more about credit unions here.

Is Pepco FDIC insured?

No, credit unions are not insured by the FDIC. They are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance.

Who can join Pepco?

Please see Field of Membership information above for information on who is eligible to join.

What are Pepco's share account and share certificate rates?

Pepco's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is Pepco?

Pepco has total capital of $3.45 million. Full information on Pepco's financial position is located above.

Who owns Pepco?

Credit Unions are owned by their members.

Where are Pepco branches located?

See branch locations nearby.

Are Pepco ATMs Open 24/7?

Do Pepco ATMs accept cash deposits?

Can Pepco customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Pepco have a mobile app?

Does Pepco have mobile deposit?

Does Pepco have quick pay?

How can Pepco transfer money to other banks or credit unions?

Does Pepco report to credit bureaus?

Does Pepco use Chexsystems?

Does Pepco use Equifax?

What is Pepco's toll free phone number?

What is Pepco's ACH Routing Number?

What is Pepco's SWIFT code?

Where can I find Pepco's wire transfer form?

What is the Pepco address for deposits?

What Products Does Pepco Offer

Does Pepco offer mortgages?

Compare mortgage rates here.

Does Pepco offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Pepco offer auto and RV loans?

Compare auto loan rates here.

Does Pepco offer student loans or personal loans?

Compare personal loan rates here.

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