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 Philadelphia Federal Credit Union Rates & Review September 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.
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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 and Verified: September 20, 2026
Philadelphia Federal Credit Union's Jumbo CD - 9 Month rates are at 4.10%, Jumbo CD - 1 Year rates are at 4.05%, 9 Month CD rates are at 4.00%, Jumbo CD - 18 Month rates are at 4.00%, Jumbo CD - 6 Month rates are at 4.00%. Philadelphia Federal Credit Union's savings rates are at 0.10%. Philadelphia Federal Credit Union's money market rates are at 0.10%. Philadelphia Federal Credit Union's Personal Loan Rates are as low as 9.99%. MonitorBankRates evaluates the financial stability of Philadelphia Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.00%. Rates last updated and verified on 09/20/2026. Philadelphia 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 Philadelphia Federal Credit Union? Share your experience about Philadelphia Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Philadelphia Federal Credit Union. Philadelphia Federal Credit Union
PFCU Operations Center 12800 Townsend Rd
https://www.pfcu.com Philadelphia, PA 19154-1003 
Philadelphia Federal Credit Union CD Rates
Philadelphia Federal Credit Union Savings Rates
Philadelphia Federal Credit Union Money Market Rates
Philadelphia Federal Credit Union Checking Rates
Philadelphia Federal Credit Union Home Equity & HELOC
Philadelphia Federal Credit Union Auto Loan Rates
Philadelphia Federal Credit Union RV, Boat and Powersport Loan Rates
Philadelphia Federal Credit Union Personal Loan Rates
Philadelphia Federal Credit Union Other Rates
Financial Health HistoryPhiladelphia Federal Credit Union’s Texas Ratio rose from 3.03% in Q2 2023 to 4.00% in Q1 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
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How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Philadelphia 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 Philadelphia 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 Philadelphia Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Philadelphia Federal Credit Union
Website
https://www.pfcu.com
Address
12800 Townsend Rd,
Philadelphia, PA 19154-1003
Phone
215-934-3500
Fax
President
Bernard Lester
CEO
Patricia Craven
Full-Time Employees
280
Part-Time Employees
21
Branch Locations
14
ATM Locations
21
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
4.00%
Return on Assets (ROA)
0.1392%
Return on Equity (ROE)
1.1105%
Non-Performing Loans Ratio (NPL)
0.85%
Total Assets
2,005,811,885
Total Amount of Shares and Deposits
1,757,299,236
Total Shares and Deposits < 1 Year
1,694,449,014
Total Shares and Deposits 1 3 Years
55,628,645
Total Shares and Deposits > 3 Years
7,221,577
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
159,023,286
Total Uninsured Shares and Deposits > $250K (F+J)
159,023,286
Total Insured Shares and Deposits > $250K (item 17 less item K)
1,598,275,950
Total Interest Expense (Sum of items 6 8)
8,596,110
Share Certificates
17,123
Number of Accounts for Share Drafts
103,598
IRA KEOGH Accounts
5,447
Number of Accounts for Regular Shares
171,780
All other shares
1,138
Money Market Shares
1,635
Net Income (unless the amount is already included in Undivided Earnings)
2,791,589
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
370,966,042
Total Liabilities
1,768,040,415
Source: NCUA — Last Updated 03/31/2026
Customer Reviews
There are no reviews for Philadelphia Federal Credit Union yet. Feel free to create one below.
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Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for Philadelphia Federal Credit Union
Frequently Asked Questions About Philadelphia Federal Credit UnionHow many branches does Philadelphia Federal Credit Union operate?Philadelphia 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 Philadelphia Federal Credit Union?Yes, to access services at Philadelphia 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, Philadelphia 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, Philadelphia Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Philadelphia Federal Credit Union offer online and mobile banking?Most modern institutions like Philadelphia 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.pfcu.com. Current Philadelphia Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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