Top credit unions in Pennsylvania ranked by best APR.
Sort the best APR by loan type, and see how these rates affect car payments in our Pennsylvania car payment calculator.
Car rates are for 72 months. The rates listed are the best offered by the top credit unions in PA for A-tier credit scores.
The APR listed may change at any time. Rates vary based on application date, terms, and credit rating.
Sort rates by clicking the top of the list.
People First Federal Credit Union
People First FCU was established in 1950 and has over 75,000 members at 7 credit unions in Pennsylvania. It was created for Mack Truck employees in Allentown building L-Series Big Rigs for interstate steel transport.
The ways to join include all Pennsylvania residents.
People First ranks #1 on our 2023 credit union list for competitive rates on all loan types with top customer service.
New locations are opening soon, and the main branch is linked to a network of 5,600 shared branches that provide account service nationwide.
Headquarters: 740 Hamilton St, Allentown, PA 18101
TruMark Financial Credit Union
TruMark was founded in 1939 and has 150,000 members from 25 locations in Pennsylvania. It was created for telephone operators in the 1930s when switchboards were used to patch calls between neighbors.
The field of membership includes residents of the counties: Bucks, Chester, Delaware, Montgomery, and Philadelphia.
Headquarters: 335 Commerce Dr, Fort Washington, PA 19034
Ardent Credit Union
Ardent CU was established in 1977. It has 35,000 members at 9 branches.
The first members were from the GSK Pharmaceutical Company, but now membership is available to all residents of Philadelphia and the surrounding counties as listed in the ways to join.
Headquarters: 1500 Spring Garden St, Philadelphia, PA 19130
Utilities Employees Credit Union
UECU was founded in 1934 and serves over 50,000 members from 1 location, its headquarters in Wyomissing, Pennsylvania. It was created for gas and electric employees, but all Pennsylvania residents are eligible to join through the PACC field of membership.
UECU would rank higher on the list of top credit unions in PA if it had more physical locations to offer face-to-face service in addition to its digital banking focus.
Headquarters: 11 Meridian Blvd, Wyomissing, PA 19610
Philadelphia Federal Credit Union
PFCU was founded in 1951 and has 125,000 members from 12 credit unions in Pennsylvania. It was created for Philadelphia city employees.
The ways to join include residents of Philadelphia or Columbia County.
Headquarters: 12800 Townsend Rd, Philadelphia, PA 19154
American Heritage Credit Union
Established in 1948 for metal fabricators building the first all-steel automobile bodies, American Heritage CU serves over 300,000 members at 35 unions.
The field of membership includes residents of Philadelphia, and members of the Kids-N-Hope Foundation, which anyone can join.
Headquarters: 2060 Red Lion Rd, Philadelphia, PA 19115
Belco Community Credit Union
Belco CCU was founded in 1939 for Bell Telephone employees. It has 75,000 members at 15 locations.
The ways to join include residents of the following counties: Adams, Cumberland, Dauphin, Lancaster, Lebanon, Perry, or York.
Headquarters: 449 Eisenhower Blvd, Harrisburg, PA 17111
Citadel Federal Credit Union
Founded in 1937, Citadel serves 260,000 members at 25 unions. It began with steelworkers at the Lukens Steel Company building the first iron mill in the USA.
Membership is available to Philadelphians and residents of the communities listed in the field of membership.
Headquarters: 520 Eagleview Blvd, Exton, PA 19341
Pennsylvania State Employees Credit Union
Established in 1934, PSECU serves 580,000 clients at 5 branches in PA with a focus on digital banking.
It was created for PA State employees, but anyone can join after signing up for the Pennsylvania Recreation and Park Society.
Headquarters: 1500 Elmerton Ave, Harrisburg, PA 17110
Clearview Federal Credit Union
Clearview was established in 1953 and has over 123,000 members at 22 branches in Pennsylvania. It started for flight attendants at Allegheny Airlines, the predecessor to US Airways.
The field of membership includes the counties: Allegheny, Armstrong, Beaver, Butler, Fayette, Greene, Indiana, Lawrence, Washington, or Westmoreland.
Headquarters: 8805 University Blvd, Moon Township, PA 15108