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iAdvertiser Disclosure
Advertiser Disclosure
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 Pennsylvania Central Federal Credit Union Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: April 17, 2026
Pennsylvania Central Federal Credit Union's SPECIAL CD (15 month) rates are at 4.06%, CDs (60 month) rates are at 2.27%, IRA 5 Year CD rates are at 2.27%, CDs (48 month) rates are at 2.02%, SPECIAL CD (9 month) rates are at 2.02%. Pennsylvania Central Federal Credit Union's savings rates are at 0.10%. Pennsylvania Central Federal Credit Union's money market rates are at 0.25%. Pennsylvania Central Federal Credit Union's Personal Loan Rates are at 9.99%. MonitorBankRates evaluates the financial stability of Pennsylvania Central Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.39%. Rates were last updated on 04/17/2026. Pennsylvania Central Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Pennsylvania Central Federal Credit Union? Share your experience about Pennsylvania Central Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Pennsylvania Central Federal Credit Union. Pennsylvania Central Federal Credit Union
Main Office 959 E Park Dr
https://www.pacentralfcu.com Harrisburg, PA 17111 2810 
Pennsylvania Central Federal Credit Union CD Rates
Pennsylvania Central Federal Credit Union Savings Rates
Pennsylvania Central Federal Credit Union Money Market Rates
Pennsylvania Central Federal Credit Union Checking Rates
Pennsylvania Central Federal Credit Union Home Equity & HELOC
Pennsylvania Central Federal Credit Union Auto Loan Rates
Pennsylvania Central Federal Credit Union Credit Card Rates
Pennsylvania Central Federal Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Pennsylvania Central Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Pennsylvania Central Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Pennsylvania Central Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Pennsylvania Central Federal Credit Union
Website
https://www.pacentralfcu.com
Address
959 E Park Dr,
Harrisburg, PA 17111 2810
Phone
800-356-3875
Fax
717-564-5066
President
William Brightbill
CEO
Gregory Wagner
Full-Time Employees
29
Part-Time Employees
1
Branch Locations
5
ATM Locations
2
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
3.39%
Return on Assets (ROA)
0.5645%
Return on Equity (ROE)
5.1707%
Non-Performing Loans Ratio (NPL)
0.56%
Total Assets
127,849,469
Total Amount of Shares and Deposits
113,892,757
Total Shares and Deposits < 1 Year
108,485,124
Total Shares and Deposits 1 3 Years
4,581,769
Total Shares and Deposits > 3 Years
825,864
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
3,633,967
Total Uninsured Shares and Deposits > $250K (F+J)
3,633,967
Total Insured Shares and Deposits > $250K (item 17 less item K)
110,258,790
Total Interest Expense (Sum of items 6 8)
514,539
Share Certificates
647
Number of Accounts for Share Drafts
4,304
IRA KEOGH Accounts
325
Number of Accounts for Regular Shares
12,164
Money Market Shares
320
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
26,205,598
Total Liabilities
114,088,585
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Pennsylvania Central Federal Credit UnionIs Pennsylvania Central Federal Credit Union a safe place to deposit money?Yes, Pennsylvania Central Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 3.394844877127%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does Pennsylvania Central Federal Credit Union operate?Pennsylvania Central Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join Pennsylvania Central Federal Credit Union?Yes, to access services at Pennsylvania Central Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, Pennsylvania Central Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Pennsylvania Central Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Pennsylvania Central Federal Credit Union offer online and mobile banking?Most modern institutions like Pennsylvania Central Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.pacentralfcu.com. Current Pennsylvania Central Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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