Pennsylvania

Image Courtesy: pixabay.com

Pennsylvania Credit Union Savings Rates

You are viewing savings rates from credit unions across Pennsylvania

 

Credit Unions can offer savings and money market rates that are competitive not only with local banks, but also sometimes with the best rates at online savings banks. The table below lists the best rates at credit unions near you. If you click on the credit union’s name, you’ll be taken to more information about its locations and operations.

PA - June 30, 2025

Savings Account National Average Rate: 0.45% ?

Credit Unions APY MIN

Rate History: 2.00% → 4.00%

3.70%

0.10%

$10,000

$5
Learn More

Rate History: 2.30% → 3.65%

3.50%

1.50%
1.00%
0.75%

$10,000

$100,000
$25,000
$2,500
Learn More

Rate History: 3.70% → 3.35%

| Dec 22, 2020

Where is the 4.00/% rate? It doesn’t seem to exist? Read More

Rate History: 3.25% → 3.00%

| Oct 9, 2023

Member for 50 years and have aeen it grow and develop with changing times and technology quickly and smoothly. Has helped me and my family, tremendously, through any and all crisis... don't know how Id ha ... Read More

| Dec 22, 2020

Where is the 4.00/% rate? It doesn’t seem to exist? Read More

| Nov 11, 2022

It would be great to hear back from someone regarding my bump-up rate currently available, BEFORE 18 days has passed. Still waiting. Read More

| Feb 25, 2023

HORRIBLE SERVICE. My son's campus checking account was hacked and over $9000 was stolen. Fraud department was impossible to reach and we waited on phone several days for over 2 hours at a time. They too... Read More

Rate History: 2.00% → 2.25%

| Jun 12, 2017

five star......great location...fast service Read More

2.02%

1.51%
1.26%
1.01%
0.90%
0.80%
0.70%

$250,000

$100,000
$50,000
$25,000
$10,000
$2,500
$1,000
Learn More

| Nov 11, 2022

It would be great to hear back from someone regarding my bump-up rate currently available, BEFORE 18 days has passed. Still waiting. Read More

1.25%

1.00%
0.75%
0.65%
0.50%

$250,000

$100,000
$50,000
$25,000
$2,500
Learn More

1.25%

1.20%
1.15%
1.10%
1.00%

$250,001

$100,001
$50,001
$25,001
$2,501
Learn More

| Aug 10, 2021

There does not seem to be anywhere that I can locate info as to what my membership rights are in relation to decision making for the Credit Union. This seems to be a problem for any institution that is sup... Read More

1.00%

0.75%
0.60%
0.50%

$25,000

$10,000
$2,500
$0
Learn More

0.85%

$25,000

Learn More

| May 12, 2016

19 what, years or months Read More

0.75%

0.55%
0.50%
0.45%

$250,000

$75,000
$25,000
$2,500
Learn More

0.75%

$2,500

Learn More

0.63%

$25,000

Learn More

0.60%

$10,000

Learn More

0.55%

$25,000

Learn More

0.55%

$2,500

Learn More

0.55%

$2,500

Learn More

0.50%

$10,000

Learn More

0.50%

$25,000

Learn More

0.45%

$10,000

Learn More

0.40%

$25,000

Learn More

0.40%

$2,500

Learn More

0.40%

$10,000

Learn More

0.35%

$2,500

Learn More

Rate History: 0.85% → 0.35%

0.35%

$2,500

Learn More

0.35%

$25,000

Learn More

0.35%

$2,500

Learn More

0.35%

$25,000

Learn More

0.35%

$25,000

Learn More

0.30%

$10,000

Learn More

| Sep 1, 2021

Tom garrett Read More

0.30%

$25,000

Learn More

0.30%

$2,500

Learn More

0.30%

$10,000

Learn More

Sru

Sru Branch
Restrictions

0.30%

$10,000

Learn More

0.30%

$25,000

Learn More

0.30%

$10,000

Learn More

Sun

Sun Branch
Restrictions

0.30%

$25,000

Learn More

0.30%

$25,000

Learn More

0.30%

$10,000

Learn More

0.30%

$2,500

Learn More

0.30%

$10,000

Learn More

| Apr 23, 2019

I like the changes they made these past few years. Especially their online banking and mobile app. Loan rates are good. I do most of my business with them locally. A+ in attitude to customers. Not afr... Read More

| Aug 31, 2020

Great rates and fast loans Read More

| Feb 25, 2023

HORRIBLE SERVICE. My son's campus checking account was hacked and over $9000 was stolen. Fraud department was impossible to reach and we waited on phone several days for over 2 hours at a time. They too... Read More

0.25%

$2,500

Learn More

0.25%

$2,500

Learn More

0.25%

$25,000

Learn More

0.25%

$10,000

Learn More

0.25%

$10,000

Learn More

0.25%

$2,500

Learn More

0.25%

$25,000

Learn More

0.25%

$25,000

Learn More

0.25%

$10,000

Learn More

| Jul 16, 2020

Save your time and go to a credit union that isn't out to rip you off. Borrowed money for an RV/trailer 2/2020. Covid came about in 3/2020, trailer stalled in manufacturing in another state, Indiana. BBCU ... Read More

0.25%

$25,000

Learn More

Xceed Financial


Restrictions

0.25%

$10,000

Learn More

Sun

Sun Branch
Restrictions

0.25%

$25,000

Learn More

0.25%

$25,000

Learn More

0.25%

$25,000

Learn More

0.25%

$2,500

Learn More

0.25%

$10,000

Learn More

0.25%

$25,000

Learn More

0.24%

$10,000

Learn More

0.22%

$25,000

Learn More

0.20%

$25,000

Learn More

Edu


Restrictions

0.20%

$0

Learn More

| Sep 1, 2021

Tom garrett Read More

0.20%

$2,500

Learn More

0.20%

$10,000

Learn More

0.20%

$10,000

Learn More

0.20%

$2,500

Learn More

0.20%

$2,500

Learn More

0.20%

$2,500

Learn More

0.20%

$2,500

Learn More

Net

Net Branch
Restrictions

0.20%

$25,000

Learn More

Sru

Sru Branch
Restrictions

0.20%

$2,500

Learn More

0.20%

$2,500

Learn More

0.20%

$2,500

Learn More

0.20%

$25,000

Learn More

0.20%

$2,500

Learn More

| Jul 16, 2020

Save your time and go to a credit union that isn't out to rip you off. Borrowed money for an RV/trailer 2/2020. Covid came about in 3/2020, trailer stalled in manufacturing in another state, Indiana. BBCU ... Read More

0.20%

$25,000

Learn More

0.20%

$2,500

Learn More

0.20%

$10,000

Learn More

Xceed Financial


Restrictions

0.20%

$2,500

Learn More

| Mar 3, 2021

I have had a few on line issues over the past 2 days one gets corrected to have another creep up. I have talked to Nicole lots of times over the past few years, Tiffany yesterday and Yvette today. All 3 ... Read More

0.20%

$2,500

Learn More

Sun

Sun Branch
Restrictions

0.20%

$10,000

Learn More

0.20%

$2,500

Learn More

0.20%

$2,500

Learn More

0.20%

$2,500

Learn More

0.20%

$10,000

Learn More

0.20%

$2,500

Learn More

0.20%

$2,500

Learn More

0.20%

$10,000

Learn More

0.20%

0.15%

$20,000

$2,500
Learn More

0.19%

$10,000

Learn More

0.18%

$10,000

Learn More

0.17%

$2,500

Learn More

0.15%

$2,500

Learn More

| Aug 31, 2020

Great rates and fast loans Read More

0.15%

$1

Learn More

0.15%

$25,000

Learn More

0.15%

$2,500

Learn More

0.15%

$2,500

Learn More

0.15%

$2,500

Learn More

0.15%

$2,500

Learn More

0.15%

$2,500

Learn More

0.15%

$25,000

Learn More

0.15%

$2,500

Learn More

Usx

Usx Branch
Restrictions

0.15%

$25,000

Learn More

0.15%

$2,500

Learn More

0.15%

$2,500

Learn More

0.15%

$2,500

Learn More

0.15%

$2,500

Learn More

0.15%

$25,000

Learn More

0.15%

$2,500

Learn More

0.15%

$2,500

Learn More

0.15%

$2,500

Learn More

0.15%

$10,000

Learn More

0.15%

$2,500

Learn More

0.15%

$25,000

Learn More

| Jul 16, 2020

Save your time and go to a credit union that isn't out to rip you off. Borrowed money for an RV/trailer 2/2020. Covid came about in 3/2020, trailer stalled in manufacturing in another state, Indiana. BBCU ... Read More

0.15%

$2,500

Learn More

0.15%

$2,500

Learn More

0.15%

$2,500

Learn More

0.15%

$2,500

Learn More

0.15%

$2,500

Learn More

| Mar 3, 2021

I have had a few on line issues over the past 2 days one gets corrected to have another creep up. I have talked to Nicole lots of times over the past few years, Tiffany yesterday and Yvette today. All 3 ... Read More

0.15%

$2,500

Learn More

0.15%

$2,500

Learn More

0.15%

$2,500

Learn More

0.15%

$2,500

Learn More

Sun

Sun Branch
Restrictions

0.15%

$2,500

Learn More

0.15%

$25,000

Learn More

0.15%

$2,500

Learn More

0.15%

$2,500

Learn More

0.15%

$2,500

Learn More

0.15%

$2,500

Learn More

0.15%

$2,500

Learn More

0.15%

$2,500

Learn More

| Dec 25, 2023

I joined in PENFED in Spring Of 2023 after 15 yrs of belonging to one of the banking giants. I found my accounts dwindling fast unexplained decreases. I decided to close the account but had to return a mer... Read More

0.14%

$25,000

Learn More

0.13%

$2,500

Learn More

0.12%

$10,000

Learn More

0.12%

$10,000

Learn More

0.10%

$2,500

Learn More

| Aug 31, 2020

Great rates and fast loans Read More

| May 12, 2016

19 what, years or months Read More

| Aug 10, 2021

There does not seem to be anywhere that I can locate info as to what my membership rights are in relation to decision making for the Credit Union. This seems to be a problem for any institution that is sup... Read More

| Sep 1, 2021

Tom garrett Read More

0.10%

$2,500

Learn More

0.10%

$2,500

Learn More

0.10%

$2,500

Learn More

0.10%

$2,500

Learn More

0.10%

$2,500

Learn More

0.10%

$2,500

Learn More

0.10%

$2,500

Learn More

Net

Net Branch
Restrictions

0.10%

$2,500

Learn More

0.10%

$2,500

Learn More

Usx

Usx Branch
Restrictions

0.10%

$2,500

Learn More

0.10%

$2,500

Learn More

0.10%

$2,500

Learn More

0.10%

$2,500

Learn More

0.10%

$2,500

Learn More

0.10%

$2,500

Learn More

0.10%

$2,500

Learn More

0.10%

$2,500

Learn More

0.10%

$50

Learn More

| Jul 16, 2020

Save your time and go to a credit union that isn't out to rip you off. Borrowed money for an RV/trailer 2/2020. Covid came about in 3/2020, trailer stalled in manufacturing in another state, Indiana. BBCU ... Read More

0.10%

$2,500

Learn More

0.10%

$2,500

Learn More

0.10%

$2,500

Learn More

0.10%

$2,500

Learn More

0.10%

$2,500

Learn More

| Mar 3, 2021

I have had a few on line issues over the past 2 days one gets corrected to have another creep up. I have talked to Nicole lots of times over the past few years, Tiffany yesterday and Yvette today. All 3 ... Read More

0.10%

$2,500

Learn More

0.10%

$2,500

Learn More

0.10%

$2,500

Learn More

0.10%

$2,500

Learn More

Sun

Sun Branch
Restrictions

0.10%

$2,500

Learn More

0.10%

$2,500

Learn More

0.10%

$2,500

Learn More

0.10%

$2,500

Learn More

0.10%

$5

Learn More

0.10%

$2,500

Learn More

0.10%

$2,500

Learn More

0.10%

$2,500

Learn More

0.10%

$2,500

Learn More

0.10%

$2,500

Learn More

0.10%

$2,500

Learn More

0.10%

$2,500

Learn More

0.10%

$2,500

Learn More

0.10%

$2,500

Learn More

0.10%

$2,500

Learn More

| Dec 25, 2023

I joined in PENFED in Spring Of 2023 after 15 yrs of belonging to one of the banking giants. I found my accounts dwindling fast unexplained decreases. I decided to close the account but had to return a mer... Read More

| Apr 23, 2019

I like the changes they made these past few years. Especially their online banking and mobile app. Loan rates are good. I do most of my business with them locally. A+ in attitude to customers. Not afr... Read More

0.05%

$10

Learn More

| Aug 31, 2020

Great rates and fast loans Read More

0.05%

$0

Learn More

0.05%

$2,500

Learn More

0.05%

$2,500

Learn More

0.05%

$2,500

Learn More

0.05%

$2,500

Learn More

0.05%

$2,500

Learn More

Net

Net Branch
Restrictions

0.05%

$2,500

Learn More

0.05%

$2,500

Learn More

0.05%

$2,500

Learn More

0.05%

$2,500

Learn More

Xceed Financial


Restrictions

0.05%

$2,500

Learn More

0.05%

$2,500

Learn More

| Mar 3, 2021

I have had a few on line issues over the past 2 days one gets corrected to have another creep up. I have talked to Nicole lots of times over the past few years, Tiffany yesterday and Yvette today. All 3 ... Read More

0.05%

$1

Learn More

0.05%

$2,500

Learn More

0.05%

$2,500

Learn More

0.05%

$2,500

Learn More

0.05%

$2,500

Learn More

0.05%

$2,500

Learn More

0.05%

$2,500

Learn More

0.05%

$2,500

Learn More

0.05%

$2,500

Learn More

0.05%

$2,500

Learn More

0.03%

$2,500

Learn More

0.03%

$2,500

Learn More

0.02%

$2,500

Learn More

Spe

Spe Branch
Restrictions

0.02%

$2,500

Learn More

Edu


Restrictions

0.01%

$1

Learn More

Polish & Slavic


Restrictions

0.01%

$2,500

Learn More

0.01%

$2,500

Learn More

0.01%

$2,500

Learn More

0.01%

$2,500

Learn More

0.01%

$2,500

Learn More

0.01%

$2,500

Learn More

0.01%

$2,500

Learn More
All rates listed are Annual Percentage Yield (APY). The APY rate in a savings account or money market account is a variable rate that is subject to change at any point. The Min listed is the minimum deposit account balance required to obtain the rate listed.


Branches Info across Pennsylvania


Branch Street City State
GENISYS
Genisys Genisys Branch
1510 Dekalb Pike, Ste A9 Blue Bell PA
PENNSYLVANIA STATE EMPLOYEES
Pennsylvania State E Pennsylvania State E Branch
1 Credit Union Place Harrisburg PA
CITADEL
Citadel Corporate Headquarters Citadel Corporate Headquarters Branch
520 Eagleview Blvd Exton PA
CORNING
Greencastle Branch Greencastle Branch
11677 Molly Pitcher Hwy Greencastle PA
TRUMARK FINANCIAL
Upper Darby Upper Darby Branch
1884 S State Rd Upper Darby PA
AMERICAN HERITAGE
Horsham - Maple Horsham - Maple Branch
339 Maple Ave Horsham PA
CORNING
Greencastle Branch Greencastle Branch
11677 Molly Pitcher Hwy Greencastle PA
POLICE & FIRE
Police & Fire Police & Fire Branch
901 Arch Street Philadelphia PA
PENNSYLVANIA STATE EMPLOYEES
Pennsylvania State E Pennsylvania State E Branch
1 Credit Union Place Harrisburg PA
AMERICAN HERITAGE
Horsham - Maple Horsham - Maple Branch
339 Maple Ave Horsham PA
AMERICAN HERITAGE
Horsham - Maple Horsham - Maple Branch
339 Maple Ave Horsham PA
PENNSYLVANIA STATE EMPLOYEES
Pennsylvania State E Pennsylvania State E Branch
1 Credit Union Place Harrisburg PA
AMERICAN HERITAGE
Horsham - Maple Horsham - Maple Branch
339 Maple Ave Horsham PA
CORNING
Greencastle Branch Greencastle Branch
11677 Molly Pitcher Hwy Greencastle PA
PENNSYLVANIA STATE EMPLOYEES
Pennsylvania State E Pennsylvania State E Branch
1 Credit Union Place Harrisburg PA
AMERICAN HERITAGE
Horsham - Maple Horsham - Maple Branch
339 Maple Ave Horsham PA
NAVY FEDERAL CREDIT UNION
Navy Federal Credit Navy Federal Credit Branch
Naval Air Station, Commsvcs Center Bldg 2 Willow Grove PA
VISIONS
Visions Visions Branch
2121 North Elmira Street Sayre PA
GENISYS
Genisys Genisys Branch
1510 Dekalb Pike, Ste A9 Blue Bell PA
CORNING
Greencastle Branch Greencastle Branch
11677 Molly Pitcher Hwy Greencastle PA
NAVY FEDERAL CREDIT UNION
Navy Federal Credit Navy Federal Credit Branch
Naval Air Station, Commsvcs Center Bldg 2 Willow Grove PA
CORPORATE AMERICA FAMILY
Corporate America Fa Corporate America Fa Branch
387-1 York Ave., Colonial Plaza Towanda PA
GENISYS
Genisys Genisys Branch
1510 Dekalb Pike, Ste A9 Blue Bell PA
VISIONS
Visions Visions Branch
2121 North Elmira Street Sayre PA
MERCK SHARP & DOHME
Merck Sharp & Dohme Merck Sharp & Dohme Branch
335 W Butler Avenue Chalfont PA
NAVY FEDERAL CREDIT UNION
Navy Federal Credit Navy Federal Credit Branch
Naval Air Station, Commsvcs Center Bldg 2 Willow Grove PA
GENISYS
Genisys Genisys Branch
1510 Dekalb Pike, Ste A9 Blue Bell PA
CORNING
Greencastle Branch Greencastle Branch
11677 Molly Pitcher Hwy Greencastle PA
NAVY FEDERAL CREDIT UNION
Navy Federal Credit Navy Federal Credit Branch
Naval Air Station, Commsvcs Center Bldg 2 Willow Grove PA
VISIONS
Visions Visions Branch
2121 North Elmira Street Sayre PA
CORPORATE AMERICA FAMILY
Corporate America Fa Corporate America Fa Branch
387-1 York Ave., Colonial Plaza Towanda PA
NAVY FEDERAL CREDIT UNION
Navy Federal Credit Navy Federal Credit Branch
Naval Air Station, Commsvcs Center Bldg 2 Willow Grove PA
TRUMARK FINANCIAL
Upper Darby Upper Darby Branch
1884 S State Rd Upper Darby PA
VISIONS
Visions Visions Branch
2121 North Elmira Street Sayre PA
MERCK SHARP & DOHME
Merck Sharp & Dohme Merck Sharp & Dohme Branch
335 W Butler Avenue Chalfont PA
CORPORATE AMERICA FAMILY
Corporate America Fa Corporate America Fa Branch
387-1 York Ave., Colonial Plaza Towanda PA
MEMBERS 1ST
Members 1st Members 1st Branch
5000 Louise Dr Mechanicsburg PA
DISCOVERY
Discovery Discovery Branch
2744 Century Blvd Wyomissing PA
DISCOVERY
Discovery Discovery Branch
2744 Century Blvd Wyomissing PA
VISIONS
Visions Visions Branch
2121 North Elmira Street Sayre PA
DISCOVERY
Discovery Discovery Branch
2744 Century Blvd Wyomissing PA
DISCOVERY
Discovery Discovery Branch
2744 Century Blvd Wyomissing PA
NAVY FEDERAL CREDIT UNION
Navy Federal Credit Navy Federal Credit Branch
Naval Air Station, Commsvcs Center Bldg 2 Willow Grove PA
NAVY FEDERAL CREDIT UNION
Navy Federal Credit Navy Federal Credit Branch
Naval Air Station, Commsvcs Center Bldg 2 Willow Grove PA
CORPORATE AMERICA FAMILY
Corporate America Fa Corporate America Fa Branch
387-1 York Ave., Colonial Plaza Towanda PA
MEMBERS 1ST
Members 1st Members 1st Branch
5000 Louise Dr Mechanicsburg PA
DISCOVERY
Discovery Discovery Branch
2744 Century Blvd Wyomissing PA
TRUMARK FINANCIAL
Upper Darby Upper Darby Branch
1884 S State Rd Upper Darby PA
SUN EAST
Upper Darby Branch Upper Darby Branch
1560 Garrett Rd Upper Darby PA
POLICE & FIRE
Police & Fire Police & Fire Branch
901 Arch Street Philadelphia PA
CORNING
Greencastle Branch Greencastle Branch
11677 Molly Pitcher Hwy Greencastle PA
NAVY FEDERAL CREDIT UNION
Navy Federal Credit Navy Federal Credit Branch
Naval Air Station, Commsvcs Center Bldg 2 Willow Grove PA
CORPORATE AMERICA FAMILY
Corporate America Fa Corporate America Fa Branch
387-1 York Ave., Colonial Plaza Towanda PA
MERCK SHARP & DOHME
Merck Sharp & Dohme Merck Sharp & Dohme Branch
335 W Butler Avenue Chalfont PA
CACL
Cacl Cacl Branch
1800 W MARKET ST POTTSVILLE PA
CORPORATE AMERICA FAMILY
Corporate America Fa Corporate America Fa Branch
387-1 York Ave., Colonial Plaza Towanda PA
SUN EAST
Upper Darby Branch Upper Darby Branch
1560 Garrett Rd Upper Darby PA
CITADEL
Citadel Corporate Headquarters Citadel Corporate Headquarters Branch
520 Eagleview Blvd Exton PA
MEMBERS 1ST
Members 1st Members 1st Branch
5000 Louise Dr Mechanicsburg PA
CORNING
Greencastle Branch Greencastle Branch
11677 Molly Pitcher Hwy Greencastle PA
TRUMARK FINANCIAL
Upper Darby Upper Darby Branch
1884 S State Rd Upper Darby PA
NORTHWOOD
Northwood Northwood Branch
6836 Castor Avenue Philadelphia PA
CORPORATE AMERICA FAMILY
Corporate America Fa Corporate America Fa Branch
387-1 York Ave., Colonial Plaza Towanda PA
MEMBERS 1ST
Members 1st Members 1st Branch
5000 Louise Dr Mechanicsburg PA
RIVERFRONT
Riverfront Riverfront Branch
430 S 4th Street Reading PA
CORNING
Greencastle Branch Greencastle Branch
11677 Molly Pitcher Hwy Greencastle PA
RIVERFRONT
Riverfront Riverfront Branch
430 S 4th Street Reading PA
EAGLE ONE
Eagle One Eagle One Branch
2303 Frankford Ave Philadelphia PA
ARMSTRONG ASSOCIATES
Armstrong Associates Armstrong Associates Branch
414 Ford Street Ford City PA
CITADEL
Citadel Corporate Headquarters Citadel Corporate Headquarters Branch
520 Eagleview Blvd Exton PA
CACL
Cacl Cacl Branch
1800 W MARKET ST POTTSVILLE PA
EAGLE ONE
Eagle One Eagle One Branch
2303 Frankford Ave Philadelphia PA
SPIRIT FINANCIAL
Fairless Fairless Branch
1900 S. Pennsylvania Avenue Morrisville PA
SUN EAST
Upper Darby Branch Upper Darby Branch
1560 Garrett Rd Upper Darby PA
CORNING
Greencastle Branch Greencastle Branch
11677 Molly Pitcher Hwy Greencastle PA
FRICK FINANCIAL
Uniontown Office Uniontown Office Branch
235 Pittsburgh St Uniontown PA
MEMBERS 1ST
Members 1st Members 1st Branch
5000 Louise Dr Mechanicsburg PA
CITADEL
Citadel Corporate Headquarters Citadel Corporate Headquarters Branch
520 Eagleview Blvd Exton PA
PINPOINT
Northumberland Count Northumberland Count Branch
603 CENTER STREET MILTON PA
CITADEL
Citadel Corporate Headquarters Citadel Corporate Headquarters Branch
520 Eagleview Blvd Exton PA
SPIRIT FINANCIAL
Fairless Fairless Branch
1900 S. Pennsylvania Avenue Morrisville PA
PHILADELPHIA
Philadelphia Philadelphia Branch
12800 Townsend Road Philadelphia PA
FRICK FINANCIAL
Uniontown Office Uniontown Office Branch
235 Pittsburgh St Uniontown PA
UKRAINIAN SELFRELIANCE
Ukrainian Selfrelian Ukrainian Selfrelian Branch
1729 Cottman Avenue Philadelphia PA
EAGLE ONE
Eagle One Eagle One Branch
2303 Frankford Ave Philadelphia PA
VISIONS
Visions Visions Branch
2121 North Elmira Street Sayre PA
GROVE CITY AREA
Grove City Area Grove City Area Branch
1 CREDIT UNION WAY GROVE CITY PA
SERVICE 1ST
Service 1st Service 1st Branch
1207 Bloom Street Danville PA
PINPOINT
Northumberland Count Northumberland Count Branch
603 CENTER STREET MILTON PA
HIDDEN RIVER
Hidden River Hidden River Branch
60 Westwood Road Pottsville PA
LEHIGH VALLEY EDUCATORS
Lehigh Valley Educat Lehigh Valley Educat Branch
3720 Hamilton Blvd Allentown PA
FREEDOM
Freedom Freedom Branch
626 Jacksonville Road, Suite 250 Warminster PA
SUN EAST
Upper Darby Branch Upper Darby Branch
1560 Garrett Rd Upper Darby PA
ERIE
Erie Erie Branch
1959 East 36th Street Erie PA
TENDTO
Erie Community Erie Community Branch
1129 State Street Erie PA
GALAXY
Galaxy Galaxy Branch
1313 Liberty Street Franklin PA
PHILADELPHIA
Philadelphia Philadelphia Branch
12800 Townsend Road Philadelphia PA
SRU
Sru Sru Branch
235 Grove City Road Slippery Rock PA
HERITAGE VALLEY
Kings Mill Road Office Kings Mill Road Office Branch
777 Kings Mill Rd York PA
HIDDEN RIVER
Hidden River Hidden River Branch
60 Westwood Road Pottsville PA
SUN
Sun Sun Branch
Mellon Building Concourse Level, 1735 Market St., Philadelphia PA
NORTH PENN
North Penn North Penn Branch
123 N. Bethlehem Pike Colmar PA
PENN
Media Members Media Members Branch
400 N. BROAD STREEET PHILADELPHIA PA
AFFILIATED TRADES
Local 380 I.b.e.w. Local 380 I.b.e.w. Branch
3900 RIDGE PIKE COLLEGEVILLE PA
FORGE
P S T C Employees P S T C Employees Branch
1402 Bywood Ave Upper Darby PA
FEDCHOICE
Fedchoice Fedchoice Branch
11601 Roosevelt Blvd, DP 9909, Room 124 Philadelphia PA
LEBANON
Lebanon Lebanon Branch
300 Schneider Drive Lebanon PA
PENNSYLVANIA STATE EMPLOYEES
Pennsylvania State E Pennsylvania State E Branch
1 Credit Union Place Harrisburg PA
NAVY FEDERAL CREDIT UNION
Navy Federal Credit Navy Federal Credit Branch
Naval Air Station, Commsvcs Center Bldg 2 Willow Grove PA
SERVICE 1ST
Service 1st Service 1st Branch
1207 Bloom Street Danville PA
MEMBERS CHOICE FINANCIAL
Mount Carmel Mount Carmel Branch
11218 State Route 61 Mount Carmel PA
ALLEGENT COMMUNITY
Allegent Community Allegent Community Branch
1001 Liberty Ave, Suite 100 Pittsburgh PA
RIVERSET CREDIT UNION
Riverset Credit Unio Riverset Credit Unio Branch
1700 Jane Street Pittsburgh PA
CHROME
Washington Community Washington Community Branch
45 Griffith Ave Washington PA
FRICK FINANCIAL
Uniontown Office Uniontown Office Branch
235 Pittsburgh St Uniontown PA
THE UNITED
The United The United Branch
6610 Route 819 Mount Pleasant PA
EVERENCE
Mennonite Financial Mennonite Financial Branch
2160 Lincoln Hwy E Lancaster PA
NEW CUMBERLAND
New Cumberland New Cumberland Branch
345 Lewisberry Road New Cumberland PA
BELCO COMMUNITY CREDIT UNION
Belco Community Cred Belco Community Cred Branch
449 Eisenhower Blvd Harrisburg PA
PENNSYLVANIA CENTRAL
Pennsylvania Central Pennsylvania Central Branch
959 East Park Drive Harrisburg PA
SUN
Sun Sun Branch
Mellon Building Concourse Level, 1735 Market St., Philadelphia PA
FRANKLIN MINT
Taylor Hospital Taylor Hospital Branch
175 E Chester Pike Ridley Park PA
VIRIVA COMMUNITY
Viriva Community Viriva Community Branch
157 YORK ROAD Warminster PA
APCI
Apci Apci Branch
7201 Hamilton Boulevard Allentown PA
LEHIGH VALLEY EDUCATORS
Lehigh Valley Educat Lehigh Valley Educat Branch
3720 Hamilton Blvd Allentown PA
INSPIRE
Bucks First Bucks First Branch
2104 Bath Road Bristol PA
TENDTO
Erie Community Erie Community Branch
1129 State Street Erie PA
RELIANCE
Reliance Reliance Branch
20102 Valley Forge Circle King of Prussia PA
HERSHEY
Hershey Hershey Branch
232 Hershey Rd Hummelstown PA
VISIONS
Visions Visions Branch
2121 North Elmira Street Sayre PA
ERIE
Erie Erie Branch
1959 East 36th Street Erie PA
TENDTO
Erie Community Erie Community Branch
1129 State Street Erie PA
GUTHRIE COMMUNITY
Guthrie Guthrie Branch
104 N. Elmer Ave Sayre PA
PENN EAST
Penn East Penn East Branch
441 N. 7th Ave Scranton PA
GROVE CITY AREA
Grove City Area Grove City Area Branch
1 CREDIT UNION WAY GROVE CITY PA
WEST BRANCH VALLEY
West Branch Valley West Branch Valley
1640 High Street Williamsport PA
PALCO FCU
Palco Fcu Palco Fcu Branch
191 Chad Road Muncy PA
CHOICE ONE COMMUNITY
Choice One Community Choice One Community Branch
101 Hazle Street Wilkes Barre PA
NET
Net Net Branch
920 OAK STREET SCRANTON PA
SRU
Sru Sru Branch
235 Grove City Road Slippery Rock PA
PINPOINT
Northumberland Count Northumberland Count Branch
603 CENTER STREET MILTON PA
ALLENTOWN
Allentown Allentown Branch
1325 Oxford Dr Allentown PA
PEOPLE FIRST
People First People First Branch
2141 Downyflake Lane Allentown PA
THE UNITED
The United The United Branch
6610 Route 819 Mount Pleasant PA
BELCO COMMUNITY CREDIT UNION
Belco Community Cred Belco Community Cred Branch
449 Eisenhower Blvd Harrisburg PA
PATRIOT
Patriot Patriot Branch
800 Wayne Ave. Chambersburg PA
1ST ED CREDIT UNION
Franklin County Teac Franklin County Teac Branch
1156 Kennebec Dr Chambersburg PA
PENNSYLVANIA CENTRAL
Pennsylvania Central Pennsylvania Central Branch
959 East Park Drive Harrisburg PA
PARDA
Parda Parda Branch
400 W. Lincoln Ave. Lititz PA
HIDDEN RIVER
Hidden River Hidden River Branch
60 Westwood Road Pottsville PA
SUN
Sun Sun Branch
Mellon Building Concourse Level, 1735 Market St., Philadelphia PA
FRANKLIN MINT
Taylor Hospital Taylor Hospital Branch
175 E Chester Pike Ridley Park PA
NORTH PENN
North Penn North Penn Branch
123 N. Bethlehem Pike Colmar PA
PENN
Media Members Media Members Branch
400 N. BROAD STREEET PHILADELPHIA PA
VIRIVA COMMUNITY
Viriva Community Viriva Community Branch
157 YORK ROAD Warminster PA
AFFILIATED TRADES
Local 380 I.b.e.w. Local 380 I.b.e.w. Branch
3900 RIDGE PIKE COLLEGEVILLE PA
UKRAINIAN SELFRELIANCE
Ukrainian Selfrelian Ukrainian Selfrelian Branch
1729 Cottman Avenue Philadelphia PA
INSPIRE
Bucks First Bucks First Branch
2104 Bath Road Bristol PA
INGERSOLL-RAND
Ingersoll-rand Ingersoll-rand Branch
199 N. Main St., Athens PA
RELIANCE
Reliance Reliance Branch
20102 Valley Forge Circle King of Prussia PA
ALLEGENT COMMUNITY
Allegent Community Allegent Community Branch
1001 Liberty Ave, Suite 100 Pittsburgh PA
RELIANCE
Reliance Reliance Branch
20102 Valley Forge Circle King of Prussia PA
HERSHEY
Hershey Hershey Branch
232 Hershey Rd Hummelstown PA
FREEDOM
Freedom Freedom Branch
626 Jacksonville Road, Suite 250 Warminster PA
WIDGET
Erie General Electri Erie General Electri Branch
2154 East Lake Road Erie PA
FIRST HERITAGE
First Heritage First Heritage Branch
17 East Avenue Wellsboro PA
GUTHRIE COMMUNITY
Guthrie Guthrie Branch
104 N. Elmer Ave Sayre PA
INGERSOLL-RAND
Ingersoll-rand Ingersoll-rand Branch
199 N. Main St., Athens PA
HORIZON
Horizon Horizon Branch
1007 EAST THIRD STREET WILLIAMSPORT PA
TOP TIER
Clarion Clarion Branch
1062 EAST WOOD STREET CLARION PA
WEST BRANCH VALLEY
West Branch Valley West Branch Valley
1640 High Street Williamsport PA
PALCO FCU
Palco Fcu Palco Fcu Branch
191 Chad Road Muncy PA
SERVICE 1ST
Service 1st Service 1st Branch
1207 Bloom Street Danville PA
USX
Usx Usx Branch
1293 Freedom Rd Cranberry Twp PA
ALLEGENT COMMUNITY
Allegent Community Allegent Community Branch
1001 Liberty Ave, Suite 100 Pittsburgh PA
HEALTHCARE FIRST CREDIT UNION
Healthcare First Cre Healthcare First Cre Branch
1152 franklin st johnstown PA
FIRST COMMONWEALTH
First Commonwealth First Commonwealth Branch
257 Brodhead Road Bethlehem PA
PEOPLE FIRST
People First People First Branch
2141 Downyflake Lane Allentown PA
CENTURY HERITAGE
Century Heritage Century Heritage Branch
700 Regis Ave Pittsburgh PA
CHROME
Washington Community Washington Community Branch
45 Griffith Ave Washington PA
USSCO JOHNSTOWN
Ussco Johnstown Ussco Johnstown Branch
532 OAKRIDGE DRIVE JOHNSTOWN PA
THE UNITED
The United The United Branch
6610 Route 819 Mount Pleasant PA
EVERENCE
Mennonite Financial Mennonite Financial Branch
2160 Lincoln Hwy E Lancaster PA
NEW CUMBERLAND
New Cumberland New Cumberland Branch
345 Lewisberry Road New Cumberland PA
AMERICHOICE
Americhoice Americhoice Branch
2175 Bumble Bee Hollow Road Mechanicsburg PA
BELCO COMMUNITY CREDIT UNION
Belco Community Cred Belco Community Cred Branch
449 Eisenhower Blvd Harrisburg PA
PATRIOT
Patriot Patriot Branch
800 Wayne Ave. Chambersburg PA
1ST ED CREDIT UNION
Franklin County Teac Franklin County Teac Branch
1156 Kennebec Dr Chambersburg PA
PENNSYLVANIA CENTRAL
Pennsylvania Central Pennsylvania Central Branch
959 East Park Drive Harrisburg PA
FIRST CAPITAL
First Capital First Capital Branch
1601 Kenneth Road York PA
HERITAGE VALLEY
Kings Mill Road Office Kings Mill Road Office Branch
777 Kings Mill Rd York PA
PARDA
Parda Parda Branch
400 W. Lincoln Ave. Lititz PA
CAMPBELL
Campbell Employees Campbell Employees Branch
2195 NORTH READING RD, PEPPERIDGE FARM INC DENVER PA
CACL
Cacl Cacl Branch
1800 W MARKET ST POTTSVILLE PA
RIVERFRONT
Riverfront Riverfront Branch
430 S 4th Street Reading PA
BELLCO
Bellco Bellco Branch
609 Spring Street Wyomissing PA
SUN
Sun Sun Branch
Mellon Building Concourse Level, 1735 Market St., Philadelphia PA
MERCK SHARP & DOHME
Merck Sharp & Dohme Merck Sharp & Dohme Branch
335 W Butler Avenue Chalfont PA
GENERAL ELECTRIC EMPLOYEES
General Electric Emp General Electric Emp Branch
100 Campus Drive Newtown PA
HONEYWELL PHILADELPHIA DIV
Honeywell Philadelph Honeywell Philadelph Branch
512 Virginia Dr Ft Washington PA
PENN
Media Members Media Members Branch
400 N. BROAD STREEET PHILADELPHIA PA
VIRIVA COMMUNITY
Viriva Community Viriva Community Branch
157 YORK ROAD Warminster PA
LEHIGH VALLEY EDUCATORS
Lehigh Valley Educat Lehigh Valley Educat Branch
3720 Hamilton Blvd Allentown PA
FORGE
P S T C Employees P S T C Employees Branch
1402 Bywood Ave Upper Darby PA
UPPER DARBY BELLTELCO
Upper Darby Belltelc Upper Darby Belltelc Branch
1410 Bywood Avenue Upper Darby PA
ADVANTAGE FINANCIAL
Dva Dva Branch
5000 WISSAHICKON AVE PHILADELPHIA PA
PENTAGON
Wilkes-barre Wilkes-barre Branch
880 Schechter Dr Wilkes Barre PA
CLEARVIEW
Hopewell Hopewell Branch
2646 Brodhead Rd Aliquippa PA
SUPERIOR CREDIT UNION
Superior Credit Unio Superior Credit Unio Branch
1 Crosskeys Rd Collegeville PA
CLEARVIEW
Hopewell Hopewell Branch
2646 Brodhead Rd Aliquippa PA
DIAMOND
Headquarters Headquarters Branch
1600 Medical Dr Pottstown PA
AMERICAN HERITAGE
Horsham - Maple Horsham - Maple Branch
339 Maple Ave Horsham PA
HERSHEY
Hershey Hershey Branch
232 Hershey Rd Hummelstown PA
SUN EAST
Upper Darby Branch Upper Darby Branch
1560 Garrett Rd Upper Darby PA
GENISYS
Genisys Genisys Branch
1510 Dekalb Pike, Ste A9 Blue Bell PA
ERIE
Erie Erie Branch
1959 East 36th Street Erie PA
WIDGET
Erie General Electri Erie General Electri Branch
2154 East Lake Road Erie PA
TENDTO
Erie Community Erie Community Branch
1129 State Street Erie PA
FIRST HERITAGE
First Heritage First Heritage Branch
17 East Avenue Wellsboro PA
PALCO FCU
Palco Fcu Palco Fcu Branch
191 Chad Road Muncy PA
FIRST HARVEST
Truimph Baptist Truimph Baptist Branch
1648 W Hunting Park Ave # 52 Philadelphia PA
MEMBERS CHOICE FINANCIAL
Mount Carmel Mount Carmel Branch
11218 State Route 61 Mount Carmel PA
PHILADELPHIA
Philadelphia Philadelphia Branch
12800 Townsend Road Philadelphia PA
NET
Net Net Branch
920 OAK STREET SCRANTON PA
CLEARVIEW
Hopewell Hopewell Branch
2646 Brodhead Rd Aliquippa PA
USX
Usx Usx Branch
1293 Freedom Rd Cranberry Twp PA
ALLEGENT COMMUNITY
Allegent Community Allegent Community Branch
1001 Liberty Ave, Suite 100 Pittsburgh PA
RIVERSET CREDIT UNION
Riverset Credit Unio Riverset Credit Unio Branch
1700 Jane Street Pittsburgh PA
CENTURY HERITAGE
Century Heritage Century Heritage Branch
700 Regis Ave Pittsburgh PA
CHROME
Washington Community Washington Community Branch
45 Griffith Ave Washington PA
BAYER HERITAGE
Bayer Heritage Bayer Heritage Branch
111 RIDC Park W Dr. Pittsburgh PA
MERHO
Merho Merho Branch
15 Irene Street Johnstown PA
EVERENCE
Mennonite Financial Mennonite Financial Branch
2160 Lincoln Hwy E Lancaster PA
AMERICHOICE
Americhoice Americhoice Branch
2175 Bumble Bee Hollow Road Mechanicsburg PA
MEMBERS 1ST
Members 1st Members 1st Branch
5000 Louise Dr Mechanicsburg PA
BELCO COMMUNITY CREDIT UNION
Belco Community Cred Belco Community Cred Branch
449 Eisenhower Blvd Harrisburg PA
PATRIOT
Patriot Patriot Branch
800 Wayne Ave. Chambersburg PA
PENNSYLVANIA CENTRAL
Pennsylvania Central Pennsylvania Central Branch
959 East Park Drive Harrisburg PA
FIRST CAPITAL
First Capital First Capital Branch
1601 Kenneth Road York PA
HERITAGE VALLEY
Kings Mill Road Office Kings Mill Road Office Branch
777 Kings Mill Rd York PA
WHITE ROSE
White Rose White Rose Branch
3494 Industrial Drive York PA
PARDA
Parda Parda Branch
400 W. Lincoln Ave. Lititz PA
EAGLE ONE
Eagle One Eagle One Branch
2303 Frankford Ave Philadelphia PA
LANCO
Lanco Lanco Branch
349 W Roseville Rd Lancaster PA
CITADEL
Citadel Corporate Headquarters Citadel Corporate Headquarters Branch
520 Eagleview Blvd Exton PA
HIDDEN RIVER
Hidden River Hidden River Branch
60 Westwood Road Pottsville PA
RIVERFRONT
Riverfront Riverfront Branch
430 S 4th Street Reading PA
SUN
Sun Sun Branch
Mellon Building Concourse Level, 1735 Market St., Philadelphia PA
DIAMOND
Headquarters Headquarters Branch
1600 Medical Dr Pottstown PA
BENCHMARK
Benchmark Benchmark Branch
1522 McDaniel Dr West Chester PA
RELIANCE
Reliance Reliance Branch
20102 Valley Forge Circle King of Prussia PA
TRUMARK FINANCIAL
Upper Darby Upper Darby Branch
1884 S State Rd Upper Darby PA
FRANKLIN MINT
Taylor Hospital Taylor Hospital Branch
175 E Chester Pike Ridley Park PA
TRI COUNTY AREA
Tri County Area Tri County Area Branch
1550 Medical Drive Pottstown PA
3HILL
Norristown Bell Norristown Bell Branch
1407 Erbs Mill Road Blue Bell PA
GENERAL ELECTRIC EMPLOYEES
General Electric Emp General Electric Emp Branch
100 Campus Drive Newtown PA
SUPERIOR CREDIT UNION
Superior Credit Unio Superior Credit Unio Branch
1 Crosskeys Rd Collegeville PA
VIRIVA COMMUNITY
Viriva Community Viriva Community Branch
157 YORK ROAD Warminster PA
ARDENT
Sb1 Sb1 Branch
200 N 16th St Phila PA
GOLD
Pp&l G.o.l.d. Pp&l G.o.l.d. Branch
4703 Hamilton Blvd Allentown PA
ACCESS
N.b.a. N.b.a. Branch
23 Commerce Circle Bristol PA
FEDCHOICE
Fedchoice Fedchoice Branch
11601 Roosevelt Blvd, DP 9909, Room 124 Philadelphia PA
PENTAGON
Wilkes-barre Wilkes-barre Branch
880 Schechter Dr Wilkes Barre PA
LEBANON
Lebanon Lebanon Branch
300 Schneider Drive Lebanon PA
CENTURY HERITAGE
Century Heritage Century Heritage Branch
700 Regis Ave Pittsburgh PA
PENTAGON
Wilkes-barre Wilkes-barre Branch
880 Schechter Dr Wilkes Barre PA
CORPORATE AMERICA FAMILY
Corporate America Fa Corporate America Fa Branch
387-1 York Ave., Colonial Plaza Towanda PA
GUTHRIE COMMUNITY
Guthrie Guthrie Branch
104 N. Elmer Ave Sayre PA
PENN EAST
Penn East Penn East Branch
441 N. 7th Ave Scranton PA
HORIZON
Horizon Horizon Branch
1007 EAST THIRD STREET WILLIAMSPORT PA
K G C
K G C K G C Branch
776 BEATTY AVE KNOX PA
CHOICE ONE COMMUNITY
Choice One Community Choice One Community Branch
101 Hazle Street Wilkes Barre PA
NET
Net Net Branch
920 OAK STREET SCRANTON PA
PEOPLE FIRST
People First People First Branch
2141 Downyflake Lane Allentown PA
IRCO COMMUNITY
Easton Office Easton Office Branch
2240 Northampton St Easton PA
EVERENCE
Mennonite Financial Mennonite Financial Branch
2160 Lincoln Hwy E Lancaster PA
WHITE ROSE
White Rose White Rose Branch
3494 Industrial Drive York PA
PARDA
Parda Parda Branch
400 W. Lincoln Ave. Lititz PA
DISCOVERY
Discovery Discovery Branch
2744 Century Blvd Wyomissing PA
BENCHMARK
Benchmark Benchmark Branch
1522 McDaniel Dr West Chester PA
TRI COUNTY AREA
Tri County Area Tri County Area Branch
1550 Medical Drive Pottstown PA
GENERAL ELECTRIC EMPLOYEES
General Electric Emp General Electric Emp Branch
100 Campus Drive Newtown PA
ARDENT
Sb1 Sb1 Branch
200 N 16th St Phila PA
ACCESS
N.b.a. N.b.a. Branch
23 Commerce Circle Bristol PA
INSPIRE
Bucks First Bucks First Branch
2104 Bath Road Bristol PA
SPIRIT FINANCIAL
Fairless Fairless Branch
1900 S. Pennsylvania Avenue Morrisville PA
FEDCHOICE
Fedchoice Fedchoice Branch
11601 Roosevelt Blvd, DP 9909, Room 124 Philadelphia PA
ADVANTAGE FINANCIAL
Dva Dva Branch
5000 WISSAHICKON AVE PHILADELPHIA PA
TRANSIT WORKERS
Transit Workers Transit Workers Branch
919 E. Cayuga Street Philadelphia PA
CROSS VALLEY
Mountaintop Mountaintop Branch
113 S Main St Mountain Top PA
DELCO POSTAL
Delco Postal Delco Postal Branch
1400 Bywood Ave upper Darby PA
UFCW COMMUNITY
Ufcw Ufcw Branch
377 Wyoming Ave Wyoming PA
ARIZE
Spe Spe Branch
650 North Science Park Road State College PA
WIDGET
Erie General Electri Erie General Electri Branch
2154 East Lake Road Erie PA
CROSS VALLEY
Mountaintop Mountaintop Branch
113 S Main St Mountain Top PA
PENN STATE
Penn State Penn State Branch
123 Amberleigh Ln Bellefonte PA
FIRST COMMONWEALTH
First Commonwealth First Commonwealth Branch
257 Brodhead Road Bethlehem PA
LANCO
Lanco Lanco Branch
349 W Roseville Rd Lancaster PA
BELLCO
Bellco Bellco Branch
609 Spring Street Wyomissing PA


BestCashCow strives to maintain the most accurate rates. If you believe a rate is not accurate, please let us know.

FREQUENTLY ASKED QUESTIONS ABOUT CREDIT UNIONS


Why are credit union rates sometimes better than those from local and online banks?

The core difference between banks and credit unions is true regardless of size: Credit unions are nonprofits owned by the members, while banks are for-profit organizations. Credit unions can therefore sometimes pass along their profits in the form of lower rates (or better loan terms). Banks have some flexibility when competition forces it, but have to deliver an expected return on capital to their owners.

Is customer service better at credit unions that local banks or online banks?

Credit unions have long surpassed commercial banks for customer satisfaction. But as membership grows, their lead is shrinking, at least when compared with smaller banks. It’s also worth noting that in recent years, several online-only banks have earned high marks for their customer-friendly service options and their transparent discussions of fees and rates.  You may enjoy the local interaction with a credit union, but unless you are also getting a competitive rate, you may find that you best bet is to also have an online bank where you keep most of you money.

Is there any difference between a share certificate offered by a credit union and a savings or money market account offered by a bank?

The difference is mainly one of terminology, as increasingly is the difference between savings and money market accounts. Be sure to understand how to access you account. Look for no fees so long as certain balances are maintained, easy liquidity and ability to transfer your money to your accounts at other institutions, including ACH transfers to online banks.

Do Credit Unions lack technology that banks have?

As technology becomes a larger part of our everyday lives, customers rely on the ability to bank online or through a mobile device, such as an iPhone. Although credit unions are making the effort to keep pace with new financial technologies, they are still trailing banks (especially the leading online banks) on this front. Several third party platforms for online banking and mobile banking are increasingly being adopted throughout the banking industry, and credit unions will likely begin to adopt these as well, which should narrow or remove the gap between them and banks.

Is my money any less safe?

As long as your credit union is NCUA insured and you stay within the NCUA limits, As long as your credit union is NCUA insured and you stay within the NCUA limits, your money is no less safe than it would be in an FDIC-insured bank.

Should I consider time deposits?

Time deposits are the credit union’s term for certificates of deposit, but, aside from slightly different terminology, are virtually the same product. Time deposits have less liquidity, but if you are unlikely to require access to your cash for some time, you may be able to significantly augment your rate of return and the growth of your capital. Since unforeseen circumstances do arise, it is important to understand the early withdrawal fees that may even eat into your principal, and early withdrawal is often entirely at the credit union’s discretion. BestCashCow compiles all rates of all credit unions near you. Access this information here. You should also familiarize yourself with our Savings Booster Calculator in order to understand the importance of compounding interest at higher rates on your savings over time.

5 POINT CHECKLIST OF THINGS THAT MAKE CREDIT UNIONS GREAT

  • Rates are often better than savings and CD rates at local banks. Borrowing rates are sometimes lower too.
  • Members are Owners of a nonprofit. When you open an account at a credit union, your account is actually a share and provides you voting rights. Since credit unions are run as non-profits, you aren’t going to get appreciation or dividends from your ownership. Instead, these institutions have the ultimate goal of providing their members better rates on loans and financial products. When a credit union makes a profit, it is used to provide better opportunities to the community that it serves.
  • Clerks work with you. Since credit unions are small and serve their owners, they try hard to keep them happy. Many credit unions have fans for life after a clerk stays late to complete loan documents, and giving pointers about avoiding fees.
  • Credit unions provide low-income and financially distressed individuals the chance to qualify for financing.
  • Credit unions often run special programs that enable people to save for the holidays (such as Christmas Clubs) or to help finance the cost of higher education and university.

SAVINGS & CD CALCULATOR

Find out how much extra money you can earn by moving your bank money into an account that pays more.