Benefit from our not-for-profit status
Save money on various loans
Earn more with our savings accounts
We're a not-for-profit financial cooperative. That means we answer to members, not shareholders, so we return profits to our membership. You'll see the impact of that in the rates we offer and the lower member fees and business fees we charge.
| Account | Min. To Open | Min. To Obtain APY | Rate | APY3 |
|---|---|---|---|---|
| PFCU Checking | $0.00 | $0.00 | 0.00% | 0.00% |
| Cash Back Checking | $0.00 | $0.00 | 0.00% | 0.00% |
| Better Checking1 | $0.00 | $1,000 | 0.10% | 0.10% |
| Better Checking1 | $0.00 | $5,000 | 0.20% | 0.20% |
| Better Checking1 | $0.00 | $10,000 | 0.20% | 0.20% |
| Senior Checking1 | $0.00 | $500 | 0.10% | 0.10% |
| Senior Checking1 | $0.00 | $5,000 | 0.20% | 0.20% |
| Senior Checking1 | $0.00 | $10,000 | 0.20% | 0.20% |
| Account | Min. To Open | Min. To Obtain APY | Rate | APY3 |
|---|---|---|---|---|
| Regular Savings†| $5.00 | $50.00 | 0.10% | 0.10% |
| Pledge Share | $0.00 | $50.00 | 0.20% | 0.20% |
| Health Savings | $50.00 | $50.00 | 0.10% | 0.10% |
| Higher Yield Savings1 | $0.00 | $50.00 | 1.29% | 1.30% |
| Higher Yield Savings1 | $0.00 | $2,000 | 1.29% | 1.30% |
| Higher Yield Savings1 | $0.00 | $10,000 | 3.44% | 3.50% |
| Higher Yield Savings1 | $0.00 | $25,000 | 3.44% | 3.50% |
| Money Market1 | $0.00 | $50.00 | 0.35% | 0.35% |
| Money Market1 | $0.00 | $2,500 | 1.00% | 1.00% |
| Money Market1 | $0.00 | $10,000 | 1.24% | 1.25% |
| Money Market1 | $0.00 | $25,000 | 1.49% | 1.50% |
| Vacation and Holiday | $0.00 | $50.00 | 0.10% | 0.10% |
| IRA Savings2 | $0.00 | $50.00 | 0.50% | 0.50% |
| Account | Min. To Open | Min. To Obtain APY | Rate | APY3 |
|---|---|---|---|---|
| Free Business Checking | $5.00 | $0.00 | 0.00% | 0.00% |
| Commercial Checking | $0.00 | $2,500 | 0.10% | 0.10% |
| Commercial Checking | $0.00 | $5,000 | 0.20% | 0.20% |
| Commercial Checking | $0.00 | $10,000 | 0.20% | 0.20% |
| Account | Min. To Open | Min. To Obtain APY | Rate | APY3 |
|---|---|---|---|---|
| Business Primary Savings | $5.00 | $50.00 | 0.20% | 0.20% |
| Higher Yield Savings1 | $0.00 | $50.00 | 1.29% | 1.30% |
| Higher Yield Savings1 | $0.00 | $2,000 | 1.29% | 1.30% |
| Higher Yield Savings1 | $0.00 | $10,000 | 3.44% | 3.50% |
| Higher Yield Savings1 | $0.00 | $25,000 | 3.44% | 3.50% |
| Money Market | $0.00 | $0.00 | 0.10% | 0.10% |
| Money Market | $0.00 | $1,000 | 0.50% | 0.50% |
| Money Market | $0.00 | $2,500 | 1.00% | 1.00% |
| Money Market | $0.00 | $50,000 | 1.49% | 1.50% |
| Account Term | Rate | APY4 | Min. Amount |
|---|---|---|---|
| 3 Month | 3.34% | 3.40% | $250 |
| 6 Month | 3.83% | 3.90% | $250 |
| 9 Month | 3.85% | 3.93% | $250 |
| 1 Year | 3.87% | 3.95% | $500 |
| 18 Month | 3.83% | 3.90% | $500 |
| 2 Year | 3.73% | 3.80% | $500 |
| 30 Month | 3.73% | 3.80% | $500 |
| 3 Year | 3.59% | 3.65% | $500 |
| 4 Year | 3.59% | 3.65% | $500 |
| 5 Year | 3.59% | 3.65% | $500 |
| Account Term | Rate | APY4 | Min. Amount |
|---|---|---|---|
| 3 Month | 3.44% | 3.50% | $10,000 |
| 6 Month | 3.92% | 4.00% | $10,000 |
| 9 Month | 3.95% | 4.03% | $10,000 |
| 1 Year | 3.97% | 4.05% | $10,000 |
| 18 Month | 3.92% | 4.00% | $10,000 |
| 2 Year | 3.83% | 3.90% | $10,000 |
| 30 Month | 3.83% | 3.90% | $10,000 |
| 3 Year | 3.68% | 3.75% | $10,000 |
| 4 Year | 3.68% | 3.75% | $10,000 |
| 5 Year | 3.68% | 3.75% | $10,000 |
| Mortgage Term | Points | Rate8 | APY7 |
|---|---|---|---|
| 30 Year | 0.000 | 7.250% | 7.261% |
| Mortgage Term | Points | Rate8 | APY7 |
|---|---|---|---|
| 30 Year | 0.000 | 8.000% | 8.009% |
| Mortgage Term | Points | Rate8 | APY7 |
|---|---|---|---|
| 25 Year | 0.000 | 7.250% | 7.262% |
| Mortgage Term | Points | Rate8 | APY7 |
|---|---|---|---|
| 25 Year | 0.000 | 8.000% | 8.011% |
| Mortgage Term | Points | Rate8 | APY7 |
|---|---|---|---|
| 20 Year | 0.000 | 6.875% | 6.888% |
| Mortgage Term | Points | Rate8 | APY7 |
|---|---|---|---|
| 20 Year | 0.000 | 7.625% | 7.637% |
| Mortgage Term | Points | Rate8 | APY7 |
|---|---|---|---|
| 15 Year | 0.000 | 6.625% | 6.642% |
| Mortgage Term | Points | Rate8 | APY7 |
|---|---|---|---|
| 15 Year | 0.000 | 7.375% | 7.389% |
| Mortgage Term | Points | Rate8 | APY7 |
|---|---|---|---|
| 10 Year | 0.000 | 6.375% | 6.399% |
| Mortgage Term | Points | Rate8 | APY7 |
|---|---|---|---|
| 10 Year | 0.000 | 7.125% | 7.146% |
| Mortgage Term | Points | Rate8 | APY7 |
|---|---|---|---|
| 5 Year | 0.000 | 6.250% | 6.784% |
| Mortgage Term | Points | Rate8 | APY7 |
|---|---|---|---|
| 5 Year | 0.000 | 7.000% | 7.083% |
| Mortgage Term | Points | Rate8 | APY7 |
|---|---|---|---|
| 7 Year | 0.000 | 6.500% | 6.809% |
| Mortgage Term | Points | Rate8 | APY7 |
|---|---|---|---|
| 7 Year | 0.000 | 7.250% | 7.201% |
| Loan Type | Rate/APR7 |
|---|---|
| Fast Track Mortgage | as low as 4.99% |
| Loan Type | Rate/APR5 |
|---|---|
| PFCU Credit Line% | as low as 12.90% |
| Personal Loan% | as low as 10.24% |
| Loan Type | Rate/APR5 |
|---|---|
| New Car Loan | as low as 5.24% |
| Used Car Loan | as low as 5.74% |
| Older Car Loan | as low as 8.40% |
| Boat Loan | as low as 6.50% |
| RV Loan | as low as 7.00% |
| Loan Type | Rate/APR6 |
|---|---|
| Home Equity Line of Credit (Intro Rate for the first 12 months) | as low as 3.99% |
| Home Equity Line of Credit (Variable Rate after the first 12 months) | as low as 6.75% |
| Home Equity Loan | as low as 5.99% |
Our team can help you understand account requirements, loan options, fees, and disclosures before you open an account or apply. Contact Philadelphia Federal Credit Union or visit a branch.
Philadelphia Federal Credit Union is a full-service financial institution with locations in Philadelphia, Montgomery and Columbia County, PA.
APY, or annual percentage yield, shows how much you can earn on a deposit account over one year, including the effect of compounding. It is used for savings accounts, money market accounts, checking accounts, and certificates.
APR, or annual percentage rate, shows the yearly cost of borrowing money. It applies to loans and may include the interest rate plus certain lender fees. In general, a higher APY benefits savers, while a lower APR benefits borrowers.
The interest rate is the stated rate used to calculate the interest or dividends earned on a deposit account.
APY shows the total annual return after accounting for how often interest or dividends compound. Because compounding is included, the APY may be higher than the stated interest or dividend rat
The rate you qualify for can depend on several factors, including your credit history and score, income, existing debt, loan amount, repayment term, collateral or down payment when applicable, and the type of loan. Rates can also be affected by current market conditions and PFCU's underwriting requirements.
A stronger credit profile and lower debt relative to income may help you qualify for more favorable loan terms, but the final rate is determined after PFCU reviews your application.
Affordable loans, lines of credit, and home equity products to help you reach important goals.
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Apply for a PFCU mortgage to purchase a home or refinance your existing mortgage.
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