PHONE: 215-934-3500 or 800-832-PFCU

ABA Routing # 236084298


Everyone knows that building your credit is important and if you ever plan to apply for a credit card or auto loan, you’ll need to prove you are credit-worthy when it comes to paying off your debt. Your credit score says a lot about your ability to repay a loan and the higher your credit score, the easier it is to get a loan at a lower rate.

If you are wondering how to establish credit or you would like to improve your credit score, contact a Member Services Representative today to learn more about our Credit Builder Loan. With this type of loan, the money you borrow is secured in a PFCU Savings Account for the term of the loan and dividends are paid on the money while you make timely payments and establish your credit.

Once you have successfully paid the loan in full, the money becomes available in your account. Your payment activity will be reported to the three major credit bureaus and if you maintain scheduled payments, this may help to improve your score.

A PFCU Credit Building Loan Offers

  • Loans between $250 - $1000
  • Terms from 12 – 18 months
  • Low monthly or bi-weekly installment payments
  • Competitive low rate - 4.00% APR*

If you are interested in a PFCU Credit Builder Loan, call a Member Services Representative at 215-934-3500 or 800-832-PFCU (outside the metropolitan area) or visit a branch today!

*APR = Annual Percentage Rate. For each $250 borrowed at 4.00% APR over a term of 12 months, pay approximately $21.29 a month. Rate current as of 5/12/17. This is the credit union’s best rate. The available rates and terms are subject to change without notice. Offer of credit is subject to credit approval. Results not guaranteed. Improvement in credit score dependent upon your specific situation and financial behavior. Failure to make monthly minimum payments by the payment due date each month will result in negative reporting to your credit report, which will not improve your credit history. This project will not repair your credit, and negative credit history will not be removed from your credit report as a result of this program.

Refer your Friends
National Association of Federal Credit Unions 
PFCU is a proud member of the National Association of Federal Credit Unions
National Credit Union Administration 
Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency.
Excess Share Insurance Corporation 
Additional insurance of up to $250,000 on your savings accounts is provided by Excess Share Insurance Corporation, a licensed insurance company.
Equal Housing Lender 
We do Business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.

We provide links to external websites for your convenience. Philadelphia Federal Credit Union does not endorse and is not responsible for their content, links, privacy or securities policies.

Please note that the amount of money contained in your investment accounts are considered non-deposit products and therefore, are not NCUA insured, not credit union guaranteed, may lose value, are not guaranteed by any government agency. Since they are not a deposit of the Philadelphia Federal Credit Union, investment accounts do not qualify for Excess Share Insurance (ESI). Securities, Financial Planning and Insurance products are offered through LPL Financial, and its affiliates, Member FINRA, SIPC. LPL Financial and Philadelphia Federal Credit Union are independent entities.