People First Federal Credit Union
Headquarters
740 W Hamilton St Ste 300
Allentown, PA 18101
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2024 Overview
General Credit Union Information
People First is an NCUA insured institution located in Allentown, PA. It was founded in 1950 and has approximately $883.91 millions in assets.
Who can join?
If you live, work, worship or attend school in Lehigh or Northampton Counties you may be eligible for membership in People First.
| NCUA Insured | Yes / Federally Chartered |
| Charter Number # | # 6885 |
| Date Established | 1950 |
| Assets | $883.91 million |
| Loans | $568.18 million |
| Deposits | $829.31 million |
| Capital | $73.77 million |
Field of Membership Restrictions
Membership is open to those who live, work, worship or attend school in Lehigh or Northampton counties in Pennsylvania.
Deposit Rates - November 17, 2024
Your Current Location: Ohio, OH 43085
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| Savings
|
0.05% | $2,500 | $4,999 |
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|
|
Money Market
|
0.15% | $2,500 | $2,999 |
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|
|
Money Market
|
0.15% | $10,000 | $14,999 |
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|
|
Money Market
|
0.20% | $25,000 | $29,999 |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
0.25% | $10,000 | $14,999 |
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|
| 6 Mo CD
|
0.25% | $100,000 | $199,999 |
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|
| 12 Mo CD
|
0.30% | $10,000 | $14,999 |
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|
| 12 Mo CD
|
0.30% | $100,000 | $199,999 |
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|
| 18 Mo CD
|
0.40% | $10,000 | $14,999 |
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|
| 18 Mo CD
|
0.40% | $100,000 | $199,999 |
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|
| 24 Mo CD
|
0.45% | $10,000 | $14,999 |
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|
| 24 Mo CD
|
0.45% | $100,000 | $199,999 |
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|
| 30 Mo CD
|
0.50% | $10,000 | $14,999 |
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|
| 30 Mo CD
|
0.50% | $100,000 | $199,999 |
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|
| 36 Mo CD
|
0.55% | $10,000 | $14,999 |
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|
| 36 Mo CD
|
0.55% | $100,000 | $199,999 |
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|
| 48 Mo CD
|
0.60% | $10,000 | $14,999 |
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|
| 48 Mo CD
|
0.60% | $100,000 | $199,999 |
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|
| 60 Mo CD
|
0.65% | $10,000 | $14,999 |
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|
| 60 Mo CD
|
0.65% | $100,000 | $199,999 |
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|
| Variable IRA Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Var IRA
|
0.15% | $1 | $499 | Learn More |
Loan Rates - November 17, 2024
Your Current Location: Ohio, OH 43085
There are currently no loan rates available for People First
Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:
Featured - Ohio 30 Year Fixed Mortgage Rates 2024
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
Learn More |
|---|---|---|---|---|---|---|
NMLS ID: 1835285 |
6.494% | 6.375% | 0.75 | $4,000 | $1,997 | Learn More |
NMLS ID: 1025894 |
6.868% | 6.750% | 1.00 | $3,884 | $2,076 | Learn More |
NMLS ID: 1907 |
7.181% | 7.125% | 0.63 | $1,802 | $2,156 | Learn More |
NMLS ID: 3030 |
7.225% | 7.125% | 1.00 | $3,200 | $2,156 | Learn More |
Featured - Ohio Home Equity Line Of Credit Rates 2024
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Third Federal Savings and Loan See Table |
Intro APR 7.490 % After Intro: 7.490 % |
$0 |
Learn More
More Info |
Note to People First
To upload and update your bank's rates please register.
It is free to register and add rates.
Branches
Below are People First branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.
Your Location:
Columbus,Ohio
People First Locations around zip code 43085
| Branch | Distance | Map | View Lobby Hours |
|---|---|---|---|
| 400.89 | A | View Lobby Hours | |
| 401.54 | B | View Lobby Hours | |
| 405.67 | C | View Lobby Hours | |
| 410.92 | D | View Lobby Hours | |
| 415.91 | E | View Lobby Hours |
Climate Policy and Initiatives
PEOPLE FIRST is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
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Financial Details
People First Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of People First. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.
Texas Ratio
| People First | U.S. Average |
|---|---|
| 7.21% | 5.83 |
The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.
As of June 30, 2024, People First had $5,470,288 in non-current loans and $31,525 in owned assets. To cover these potential losses it had $73,766,014 in net worth and $2,547,326 in loans loss reserves. That gives it a Texas Ratio of 7.21%.
Net Worth
| People First | U.S. Average |
|---|---|
| 8.34% | 13.93% |
People First FCU has a net worth of 8.34% versus the BestCashCow average of 13.93. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
Customer Reviews for People First
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