Penn State Credit Union State College PA | Low Mortgage Rates & Quick Personal Loans

Introduction

Welcome to Penn State Federal Credit Union - North Atherton Office, your trusted financial partner in the heart of State College, PA. Established in 1959, we take pride in serving our community with dedication and care, ensuring that each of our 14,577 members feels valued and supported. Located at 1937 N Atherton St, we are here to provide you with a range of personal and business banking services tailored to your needs. At Penn State Federal Credit Union, we understand that your financial journey is unique. With total assets exceeding $249 million and a strong net worth of $31 million, we offer stability and security for all your banking needs. Our team is committed to helping you achieve your financial goals, whether it's through our competitive auto loans, mortgages, or personal loans. Currently, we manage over $51 million in loans and leases while maintaining total deposits of $26.9 million. Led by CEO Cheryl Barr and Board President Bobby White, our team consists of 44 dedicated employees who are ready to assist you with personalized service. We believe in building lasting relationships with our members, as evidenced by our commitment to supporting local initiatives and fostering community growth. While members can visit us at our branch location for all their banking needs, official correspondence should be sent to our mailing address at 1937 North Atherton Street, State College, PA 16803-1523. Whether you're looking to open a checking account or explore loan options, we're here for you. Don't hesitate to reach out! Call us at (814) 865-7728 during our operating hours Monday through Wednesday from 9 AM to 4 PM and Thursday & Friday from 9 AM to 5:30 PM. Discover how Penn State Federal Credit Union can empower your financial future today!

Branch History & Mission

A Modern Approach

In addition to traditional services, we embrace modern technology to enhance your banking experience. Our branch offers online and mobile banking options that allow you to manage your finances conveniently from anywhere. With features like mobile payments and person-to-person transfers, banking with us is easier than ever before. While you can visit us at 1937 N Atherton St, please note that official correspondence should be sent to 1937 North Atherton Street, State College, PA 16803-1523 if different from our branch address.

Join Us!

As you explore your options for financial services in the community, we invite you to become part of the Penn State Federal Credit Union family. Experience firsthand how we can support your financial journey with dedication and care. Call us at 814-865-7728 or visit us online at Penn State Federal Credit Union for more information on membership eligibility and services offered. Join us today and discover how together we can build a brighter financial future!

Our Mission

At Penn State Federal Credit Union, our mission is clear: we strive to empower our members by offering exceptional financial products and services tailored to their unique needs. We believe that everyone deserves access to quality banking solutions that help them achieve their goals whether it's buying a car, purchasing a home, or managing day-to-day finances. Our focus on personal banking includes checking and savings accounts, auto loans, mortgage loans, personal loans, credit cards with rewards, and business banking services. We are not just about numbers; we are about people. Our commitment extends beyond transactions; we actively engage in community outreach initiatives that enrich the lives of those around us. By partnering with local organizations and participating in events, we aim to give back and make a difference in State College.

Branch Location & Accessibility

Accessibility Features

At our North Atherton location, we prioritize accessibility for all members. Our branch is fully ADA compliant, ensuring that everyone can easily navigate our space. We also offer ample parking for your convenience, making visits hassle-free whether you're coming in for a quick transaction or a longer consultation.

Operating Hours

Our doors are open Monday through Wednesday from 9 AM to 4 PM, and Thursday and Friday from 9 AM to 5:30 PM. We aim to provide flexible hours to accommodate your busy schedule. If you have any questions or need assistance, feel free to reach out at 814-865-7728; our friendly staff is always ready to help!

Services Offered

At Penn State Federal Credit Union, we offer a range of personal banking services tailored to fit your lifestyle. From checking and savings accounts to auto loans and credit cards with rewards, we've got you covered. Need to access cash? We have an ATM available on-site for quick withdrawals and balance checks. While we don't currently offer drive-thru banking or shared services, we are dedicated to ensuring that every visit is efficient and pleasant. While members can visit us at 1937 N Atherton St, official correspondence should be sent to our mailing address: 1937 North Atherton Street, State College, PA 16803-1523. We invite you to stop by the Penn State Federal Credit Union - North Atherton Office today! Experience personalized service designed with you in mind. Your financial goals are important to us, and we're here to help you achieve them!

Member Eligibility

At Penn State, we believe that everyone deserves a chance to belong to a supportive community that values its members. Becoming a member is easier than you might think! If you live, work, worship, or attend school in the Centre County area, you're likely eligible to join us. We welcome individuals and families alike, making it simple for you to access our wide range of financial services. Plus, as a member of Penn State, you'll enjoy benefits like lower loan rates and personalized service tailored just for you. For more detailed eligibility information, feel free to visit our website at https://www.pennstatefederal.com/join-us/membership/about-us . If you're ready to take the next step and open an account, you can find all the details on how to get started right here: . Don't hesitate to reach out at (814) 865-7728 if you have any questions we're excited to help you join our community!

Business Banking & Commercial Services

Commercial Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $72 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $7 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $20,000,458, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

Imagine being able to accept payments easily while focusing on what you do best running your business. Our merchant services simplify transactions, allowing you to manage sales efficiently. Whether it's credit card processing or mobile payments, we've got you covered so you can keep your customers happy. Located at 1937 N Atherton St State College Pa 16803 in State College, PA, we invite local businesses to explore how our dedicated team can help you thrive. For more information or to start your journey with us, call us at (814) 865-7728 today!

Comprehensive List Of Services

Accessibility & Support

We understand that financial needs don't stick to a schedule; that's why we aim to provide comprehensive support during our lobby hours from Monday through Friday. You can reach us at (814) 865-7728 for any questions or assistance. At Penn State, we're more than just a credit union we're your partners in financial wellness. Explore how our services can benefit you by visiting us or checking out our website at Penn State Federal Credit Union - North Atherton Office. Join us today and take the first step toward achieving your financial goals!

Credit Cards with Rewards

Who doesn't love rewards? Our credit cards come with attractive benefits that allow you to earn points on everyday purchases. You'll not only enjoy the convenience of credit but also reap rewards that can be used for travel, shopping, and more!

Digital Banking Features

In today's fast-paced world, convenience is key. That's why Penn State offers robust online and mobile banking options. Whether you need to check your balance, pay bills, or transfer money between accounts, you can do it all from your smartphone or computer. Plus, our ATM services ensure that cash withdrawals are just a few taps away.

Lending Options

Life can throw unexpected challenges your way, and when it does, our personal loans and debt consolidation services are here to help you regain control. With flexible terms and quick approvals, you can focus on what really matters. Additionally, if you're a business owner, we provide business banking solutions that include merchant services and business loans to support your growth.

Personal Banking Solutions

Whether you're looking to manage your everyday expenses or save for future goals, our personal banking services have you covered. We offer checking and savings accounts designed to fit your lifestyle, helping you keep track of your finances with ease. If you're considering buying a car, our auto loans and vehicle financing options make it simple to drive away in the vehicle you want. For those dreaming of homeownership, our mortgage loans and refinancing solutions can guide you through the process with competitive rates and personalized support.

Digital & Online Banking

Enhanced Convenience

We also offer person-to-person transfers, making it simple to send money to friends or family without any hassle. Just think of it as sharing expenses made easy! With all these features combined, managing your finances has never been more straightforward or secure. At Penn State, we are committed to ensuring that you have access to the tools you need for effective account management while prioritizing your security every step of the way. Experience the ease of banking digitally with us today!

Key Features

Our online banking platform, accessible at https://www.pennstatefederal.com/ , allows you to manage your accounts 24/7. Whether you're checking your balance, transferring funds, or paying bills, everything is just a few clicks away. Plus, with electronic signature authorization available, signing important documents has never been easier or more secure. Prefer to go paperless? Our e-statements service ensures you receive your account statements electronically, reducing clutter while keeping your information safe and accessible. You can easily view and download your statements whenever you need them. For those on the go, our mobile application offers all the features of online banking right in the palm of your hand. Need to make payments? Our mobile payments feature lets you pay for purchases quickly and securely using your smartphone.

Financial Strength

A Dedicated Team Ready to Serve

We also take pride in having 44 full-time employees who are always ready to assist you with knowledge and care. Our team is dedicated to ensuring you receive the best service possible whenever you walk through our doors or reach out via phone.

Conclusion

Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Penn State is your trusted partner. Visit us at 1937 N Atherton St State College Pa 16803 or call (814) 865-7728 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings Options

Members' savings are secured through $28,503,457 in share certificates and $13,637,261 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Reinvesting for Growth

With $30,806,122 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our commitment to growth means that you have access to the best products tailored for your needs.

Strong Financial Health

With a net worth of $31,114,693, we maintain robust financial health, allowing us to offer better rates, lower fees, and enhanced member services. This strength empowers us to support our community effectively and invest in resources that benefit our members. Our net worth ratio of $1,245 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Supporting Your Financial Goals

We understand the importance of lending capacity. With $839 in used auto loans and $119,850,563 in total loans and leases, our lending capacity supports members' financial goals across various sectors. Our operations are efficient as reflected by our $0, which enables us to continue offering competitive loan rates and solid financial products for our members.

Loan Offering

Auto Loans

Our auto loans are tailored to fit your budget and lifestyle. We provide competitive interest rates and flexible repayment terms that make it easier than ever to own a vehicle. Whether you're interested in financing a brand-new model or purchasing a reliable used car, we have options for both.

Commercial Loans

For business owners seeking growth opportunities, our outstanding commercial loans totaling $20,000,458 provide the capital needed to expand operations or invest in new projects. We understand the unique challenges faced by businesses today and are here to support you.

Credit Lines and Personal Loans

We also offer flexible terms on unsecured credit card loans, with a total of $3,783,692 in loans helping members manage their finances effectively. If you're considering consolidating debt or making an important purchase without collateral, our personal loan options can be a great solution.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $9,222,920, make buying or refinancing simple. We aim to support you through every step of the home-buying process.

Refinancing Options

If you're looking to lower your monthly payments or adjust your loan terms, we also offer refinancing options across many of our products. Be sure to ask about eligibility when you contact us. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. We invite you to explore all that we offer at Penn State and see how we can assist you in achieving your financial dreams!

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PENN STATE FEDERAL CREDIT UNION