Benefits of Joining a Credit Union

Better rates to help you save more money

An ownership share with voting rights

Financial literacy programs you can put into action

Credit unions - the better alternative to managing your money.

Join PFCU and take confident steps toward your financial goals.

Becoming a member of Philadelphia Federal Credit Union means you're ready to do things differently. Credit unions have different business models compared to traditional banks. We are not-for-profit, meaning we pass profits to our members, not bank shareholders. Here's more about the benefits of joining our credit union.

Higher savings rates, lower loan rates

Credit unions generally have higher dividend rates on savings accounts and lower rates on loans. This is because of the commitment to pass profits to members in the form of better rates. This also means lower and fewer fees.

Higher savings rates, lower loan rates

Credit unions generally have higher dividend rates on savings accounts and lower rates on loans. This is because of the commitment to pass profits to members in the form of better rates. This also means lower and fewer fees.

Members are owners

When you join PFCU by opening an account, you become one of the owners. You have a say in how we conduct business and you're a valuable part of our organization.

Members are owners

When you join PFCU by opening an account, you become one of the owners. You have a say in how we conduct business and you're a valuable part of our organization.

You’re insured

As a PFCU member, your deposits are insured and protected. The National Credit Union Administration financially backs our credit union to protect members.

You’re insured

As a PFCU member, your deposits are insured and protected. The National Credit Union Administration financially backs our credit union to protect members.

Credit unions are co-operative

Credit unions are more localized than a bank, so members are treated with a more personal touch. We take time to get to know you and listen carefully to answer your questions and address your concerns.

Credit unions are co-operative

Credit unions are more localized than a bank, so members are treated with a more personal touch. We take time to get to know you and listen carefully to answer your questions and address your concerns.

Financial literacy programs

Another credit union benefit is the extra time and care we put toward helping you. Our MoneyLine blog provides valuable tips on how to manage your money and create wealth while addressing popular financial topics. There are also many calculators available on our site so you can research your options before making important financial decisions. PFCU offers Clarifi financial counseling, where you can find tools, videos and personalized guidance to grow your finances. We even offer related webinars and seminars.

Financial literacy programs

Another credit union benefit is the extra time and care we put toward helping you. Our MoneyLine blog provides valuable tips on how to manage your money and create wealth while addressing popular financial topics. There are also many calculators available on our site so you can research your options before making important financial decisions. PFCU offers Clarifi financial counseling, where you can find tools, videos and personalized guidance to grow your finances. We even offer related webinars and seminars.

YOU'RE PART OF THE FAMILY

PFCU membership starts with a small deposit into a savings account. From there, all the possibilities and opportunities are open to you, providing access to all our products and services.

Get more out of your membership
Enjoy lower fees, better rates, and expert advice. Plus, get access to special discounts and offers for a range of products and services.
Member Benefits & Discounts