We're the Official Credit Union of Temple University!

Unlike other financial institutions, Philadelphia Federal Credit Union is owned by its members, not stockholders. So interest you earn on your money doesn’t go to some fat cat. This means PFCU can offer lower loan rates and higher savings rates. We even have a branch on campus on the lower level of the Student Center on the corner of 13th & Montgomery. We’ll be here with you every step of the way- even after you graduate.

FREE Kasasa® Checking

Get rewarded for your everyday banking with a Kasasa Tunes or Cash Back checking account! Just meet our simple qualifications and you'll get the following rewards:

Kasasa Tunes:

  • Up to $10 in refunds for iTunes®, Amazon.com® or Google Play™ purchases every month1
  • Up to $10 in monthly refunds for nationwide ATM fees1
  • $15 sign-up bonus1

Kasasa Cash Back:

  • 2% cash back on debit card purchases (up to $8 per month)2
  • Up to $10 in monthly refunds for nationwide ATM fees2

Smart Option Student Loans® by Sallie Mae®

Bridge the gap between federal loans and the cost of your education expenses. You’ll get competitive interest rates and you can borrow up to 100% of school certified education costs (minimum $1,000). Apply today.

Mobile Banking App

Our mobile app allows you to do almost all of your banking right from your smartphone:

  • Check your account balance and transaction history
  • Transfer money between your accounts
  • Deposit a check
  • Find an ATM near you (even if you’re not in Philly)
  • To download our Philadelphia FCU mobile app for iPhone or Android, visit our Mobile Banking page.

Mobile Digital Wallets

Add your PFCU Check Card to Google Pay™, Apple Pay™, and Samsung Pay™. Learn More.

Surcharge-Free ATM Network

Just because you can’t get to a PFCU branch doesn’t mean you have to pay a surcharge at an ATM. PFCU is part of a nationwide surcharge-free ATM network so you can withdrawal money at over 25,000 ATMs at 7-Eleven®, Wawa®, and ATMs in the CO-OP, and CU$ Networks. Find an ATM near you.

Free Online Banking

Log on to Teller Net to check your balance, pay bills for free, change your contact information and more without leaving your dorm room.

Free Incoming Transfers

On days when you want to bum a few dollars off Mom or Dad, they can easily transfer funds online from their account (even if they’re not with PFCU). Provide them with PFCU’s ABA Routing and Transit Number # 236084298 and your PFCU account number and you’re set.

Overdraft Protection

You don’t always have time to monitor your checking account balance. Apply for a PFCU Line of Credit so you don't have to worry about your debit card getting declined at the register. If you don’t quite have enough to cover your purchase, the money will be transferred from your line of credit to your checking account so you can make the payment. Then, just pay the line of credit back when you get your paycheck.

Great Deals on New & Used Auto Loans

If you chose to commute from home or live off campus, you may be looking for a new (new-to-you) car. Apply for a PFCU Auto Loan.

Earn Reward Points on your Debit Card Purchases

Learn more about the Purchase Rewards Program or log on to Teller Net to view your offers.

1 Qualification Information: Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account’s rewards. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by PFCU as ATM transactions. “Monthly Qualification Cycle” means a period beginning (1) business day prior to the first day of the current statement cycle through (1) business day prior to the close of the current statement cycle. Reward Information: When Kasasa Tunes qualifications are met during a Monthly Qualification Cycle, you will earn up to an aggregate total of $10 (which includes any applicable taxes) in refunds for any iTunes, Amazon.com or Google Play purchases. In order to be refunded, iTunes, Amazon.com and Google Play purchases must be made with your PFCU debit card and must post and settle to your account no more than 30 days after the Monthly Qualification Cycle in which you qualified ends. In addition, you will receive reimbursements up to $10 for nationwide ATM fees incurred during the Monthly Qualification Cycle in which you qualified. ATM receipt must be presented within sixty (60) calendar days of transaction for reimbursements of individual ATM fees of $5.00 or higher. When Kasasa Tunes qualifications are not met, iTunes, Amazon.com and Google Play purchases and ATM fees are not refunded. iTunes, Amazon.com and Google Play refunds and ATM fee reimbursements will be credited to your account on the last day of the current statement cycle in which these purchases post and settle to your account and the ATM fees were incurred. Rates and rewards are variable and at our discretion may change after the account is opened without notice to you; fees may reduce earnings. Sign Up Bonus: When you open and fund your Kasasa Tunes account, you will be refunded up to an aggregate total of $15 (which includes any applicable taxes) for iTunes, Amazon.com and Google Play purchases, made with your PFCU debit card that post and settle to your account during the first 60 calendar days after your account is opened. This refund will be credited to your account on the last day of the current statement cycle in which your aggregate iTunes, Amazon.com and Google Play purchase threshold of $15 posts and settles to your account. Any portion of the Sign Up Bonus that is not used within the stated time period will be forfeited. No minimum balance is required to obtain this bonus. Additional Information: Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. Limit (1) account per social security number/ individual taxpayer identification number. There are no recurring monthly service charges or fees to open or close this account. Contact one of our Philadelphia Federal Credit Union member service representatives for additional information, details, restrictions, processing limitations and enrollment instructions. Federally insured by NCUA.  iTunes is a registered trademark of Apple, Inc. Amazon.com is a registered trademark of Amazon.com, Inc. Google Play is a registered trademark of Google, Inc. Apple, Inc., Amazon.com, Inc. and Google, Inc. are not participants in or sponsors of this program. Kasasa and Kasasa Tunes are trademarks of BancVue, Ltd., registered in the U.S.A.

One (1) name will be selected to win a $500 Diamond Dollars Certificate. Four (4) names will be selected to win $50 PFCU Visa Gift Cards. Twenty (20) names will be selected to win $5 Dunkin’ Donut gift cards. The winners will be selected on October 5, 2018. No purchase necessary. **SWEEPSTAKES OFFICIAL RULES  1. NO PURCHASE IS NECESSARY IN ORDER TO ENTER THE SWEEPSTAKES.  2. EACH SWEEPSTAKES ENTRY WILL HAVE AN EQUAL CHANCE OF WINNING.  3. TEMPLE STUDENTS WHO OPEN A NEW ACCOUNT AT THE TEMPLE UNIVERSITY BRANCH OR ONLINE DURING THE SWEEPSTAKES PERIOD WILL BE AUTOMATICALLY GIVEN 1 (ONE) ENTRY IN THE SWEEPSTAKES.  4. Sponsor: Philadelphia Federal Credit Union ("the Credit Union") is the sponsor of the Sweepstakes. The Credit Union's business address is: 12800 Townsend Road, Philadelphia, PA 19154.  5. Sweepstakes Period: Sweepstakes begins June 1, 2018 and ends September 30, 2018 ("Sweepstakes Period").  6. Eligibility: Credit Union employees, officials, and members of their immediate families are not eligible to participate in the Sweepstakes. To qualify for the Sweepstakes, all entrants must be at least 18 years of age. By entering this Sweepstakes, entrants accept and agree to be bound by these Official Rules and the decisions of the Credit Union. Sweepstakes void where prohibited by law.  7. Sweepstakes Entries: Entrants may obtain one Sweepstakes entry form by making a request for an entry form in person at any of the Credit Union's branch locations. See ATM and Branch Locator page at www.pfcu.com  for complete branch listing. If an entry form is drawn, but judges are unable to determine the winner because of illegible writing, that entry form will be disqualified. No copies or mechanical reproductions accepted. The Credit Union is not responsible for lost, late, incomplete, misdirected, damaged, or illegible entries. Once submitted, entries become the sole property of the Credit Union and will not be acknowledged or returned.  8. Prize Drawings: One grand prize drawing will be held at the end of the sweepstakes period. The winner, who will be selected by October 5, 2018, will be notified by phone and agrees to pick up prize at PFCU’s Temple University branch. The winner's name will be available in the Credit Union newsletter (Moneyline) and on www.pfcu.com. The Grand Prize is a $500 Diamond Dollars certificate. Four second-prize drawings will be held at the end of the sweepstakes period. The winners, who will be selected by October 5, 2018, will be notified by phone and agree to pick up prize at PFCU’s Temple University branch. Twenty third-prize drawings will be held at the end of the sweepstakes period. The winners, who will be selected by October 5, 2018, will be notified by phone and agree to pick up prize at PFCU’s Temple University branch. Please see the "Consumer Disclosure" section below for information regarding your odds of winning.  9. Liability/General Rules: The Credit Union is not responsible for any loss which may occur in connection with the Sweepstakes. Entrant agrees to hold the Credit Union harmless from any liability arising from participation in the Sweepstakes or the acceptance, receipt, possession, or misuse of the prize. The Credit Union and each of its officers, directors, employees, members, and representatives and agents are not responsible for any negligence, claims, liability, injury, property loss, or other damages of entrants and/or winners arising from, or in connection with, acceptance, receipt, possession, or use/misuse of prizes awarded or participation in this Sweepstakes. The Credit Union is not responsible for any incorrect or inaccurate information, whether caused by tampering, hacking, or by any of the equipment or programming associated with the Sweepstakes. Prizes cannot be substituted, converted to cash, assigned, or transferred by winners. The Credit Union reserves the right to substitute a prize of equal or greater value should the featured prize become unavailable for any reason. The Credit Union reserves the right to disqualify entrants who fail to follow these Official Rules and regulations or who make any misrepresentations relative to the Sweepstakes and redemption of a prize.  10. Tax Issues: The Credit Union will report all prize winnings to the appropriate state and federal agencies as required by applicable law. Winners are responsible for all tax consequences (if any) of the prizes.  11. Publicity Authorization: The winner agrees to permit the Credit Union to utilize his/her name and likeness in promotional and other Credit Union materials, without additional compensation or permission, except where prohibited by law.  12. Arbitration: Except where prohibited by law, as a condition of participating in this Sweepstakes, entrant agrees that (1) any and all disputes and causes of action arising out of or connected with this Sweepstakes or any prizes awarded, shall be resolved individually, without resort to any form of class action, and exclusively, by final and binding arbitration under the rules of the American Arbitration Association ("AAA") and shall be held at the AAA regional office nearest the participant; (2) the Federal Arbitration Act shall govern the interpretation, enforcement, and all proceedings at such arbitration; and (3) judgment upon such arbitration award may be entered in any court having jurisdiction. Under no circumstances will entrant be permitted to obtain awards for, and entrant hereby waives all rights to claim, punitive, incidental, or consequential damages, or any other damages, including attorney's fees, other than entrant's actual out-of-pocket expenses (i.e., costs associated with entering this Sweepstakes), and entrant further waives all rights to have damages multiplied or increased.  13. Choice of Law: All issues and questions concerning the construction, validity, interpretation, and enforceability of these Official Rules, or the rights and obligations of entrant and the Credit Union in connection with the Sweepstakes, shall be governed by, and construed in accordance with, the substantive laws of the State of Pennsylvania, USA, without regard to choice of law rules.  14. Consumer Disclosure: Odds of winning are based upon the number of entries received.

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