Helping our Philadelphia, PA members reach their financial goals, since 1951.

UNLOCK YOUR HOME'S POTENTIAL

HELOC Intro rate as low as 3.99% APR* for the first 12 months, variable rate thereafter

HELOC Intro rate as low as 3.99% APR* for the first 12 months, variable rate thereafter

Not here for our profit. Here for yours.

Helping our members thrive by building stronger financial futures. Open An Account

TOOLS TO GET YOU AHEAD

Summer Splurge or Smart Buy? How to Tell the Difference

By the time July arrives, summer spending is usually in full swing. Weekend trips, seasonal sales, outdoor activities, and spontaneous plans can make purchases feel easy to justify. Enjoying the season is important, but it's also a good time to consider how your spending choices fit into your overall financial picture.

Not every purchase serves the same purpose. Some expenses support your goals or improve daily life, while others simply feel exciting in the moment. Understanding the difference between a splurge and a thoughtful purchase can help you enjoy the season without second-guessing your financial decisions. With a little awareness and planning, you can make decisions that balance enjoyment today with stability for the future.

Read More about Summer Splurge or Smart Buy? How to Tell the Difference

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when our members succeed, it’s better for everyone.

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We make a profit, you see it.

We’re member owned which means no shareholders to appease and all of our profits go right back to you – our members.
Community you can bank on.

There’s no better investment than community. From the start, we’ve helped our members open businesses, improve their homes and send their kids to school.
Invested in your financial well-being.

From lower fees and better rates to member benefits, discounts, and advice – we believe in helping our members meet their goals.

Kimberlee J.

"I have been with PFCU for over 34 years as long as I have worked for Temple University. The process keeps getting easier and easier."

Alyssa R.

"Any questions I had they always found a solution and knew just what to say. Member service is immaculate. Very nice and respectful. Useful information and always willing to help."

Kellie C.

"The speed of service is top notch. I've never been on hold longer than two minutes. The representatives are always pleasant, knowledgeable and helpful. I'm very pleased with my credit union!"

Wanda F.

"A bank is not a place of entertainment but usually strictly business. This credit union has real people in it that understand what your day may have been like, so they take time to see what you need. If you’ve sat too long or things were made to be a bit complicated, they’ll talk you through it until you get it. They realize what it’s like being on the other side of the counter. So, just as you would with your child, your mom, your friend or your boss, they meet you where you are and strive to get you where you want to be…a satisfied human being."

Jennell M.

"PFCU is a very reliable credit union. My family and my kids also have accounts with PFCU. The center city location is like family. I always go there for all my transactions. I like going there because my doctor's office is nearby. I just love PFCU and how they protect money as well. It's a very good credit union."

Anita M.

"Upon arrival inside of the credit union, there were two tellers at their windows assisting other patrons and no one in line. As I stood waiting to be helped, the young lady that was working in another area came over and opened up a window to assist me. I was the only person in line and was surprised that she stopped what she was doing to assist me. Also, I was purchasing a cashier’s check and I wrote the person's name incorrectly on the slip. Rather than getting upset with me, she continued my transaction professionally and with a smile; all while I was apologizing profusely for my mistake. Her behavior totally put me at ease as I had never purchased a cashier’s check before, so I was very nervous. Afterwards she thanked me for coming and told me to have a nice rest of my day."

Michele S.

"The gentleman that waited on me was very polite. He made sure to address me by name and I was extremely satisfied with his service. I have worked in banking and finance for more than 35 years and I can tell you especially in these times, customer service is more of a lost art as opposed to an excellent opportunity to build a lasting relationship for many generations to come. Many of our families would choose to use the credit union for our coming of age accounts (teenagers) when we would get our own savings account with a passbook to make weekly deposits. Does that even exist anymore?"

Janie C.

"I am a mere mortal. I have two dimes and a nickel, and I bank old school. I have never had a bad experience when banking at PFCU. You have the best tellers of any bank. They are easy to talk to and have answered every money question I had and steered me in the right direction."

Andrew G.

"I always received amazing customer service when I have to call or go into a branch about my account. All the team members that I have ever had the chance to speak with were all highly knowledgeable and patient."

Brigitte M.

"The level of professionalism of customer service was impeccable I was given a level of importance that made me feel like I just opened a high yielding account well worth over a million dollars. I was shown every kindness and the banking personnel was very knowledgeable and explained everything about the two accounts I opened down to the smallest of details to insure I understood the expectations of the relationship between me, a member and that of PFCU. which made me feel I had chosen wisely when opening my account. So if someone is looking for a bank they can trust and feel their money is secure, then I highly recommend choosing PFCU for your banking needs."