As a veteran, you and your immediate* family are eligible for membership at Penlanco Federal Credit Union with complimentary membership in the National Credit Union Coalition for America’s Heroes.
Penlanco FCU is a private, member‑focused credit union serving select employers, volunteer organizations, and community groups. Because membership is limited to these approved groups, it is not open to the general public — which means you enjoy financial benefits tailored specifically to your group.
As part of your group’s partnership with Penlanco FCU, you gain access to a full range of financial services designed to help you save money over your lifetime. From more competitive loan and savings rates to lower fees and personalized service, our goal is to keep more money in your pocket while supporting your financial well‑being.
Take advantage of the exclusive rates and benefits available to your group — and experience the value of being part of a credit union that puts you first.
Save with Confidence
No matter where you are in your financial journey, Penlanco FCU has savings options to support your goals. From basic Savings Accounts and higher‑earning Money Market Savings to dependable Share Certificates and retirement‑focused IRAs, your money is always working safely and steadily for you.
Also, our youth savings accounts make it easy — and fun — to help kids and teens start learning the value of saving early.
Rewards Checking
Our Perks Checking gives you everything you expect — no fees, no minimums, free debit card, starter checks, and robust online banking.
Meet just three simple monthly requirements and earn Perks Plus, including:
• $8 cash each month
• ATM fee refunds up to $10/month
• Loan rate discounts
• Free replacement debit cards
Competitive Loan Rates
At Penlanco FCU, we’re proud to be a company‑sponsored credit union dedicated to serving select employers and groups. Because we focus solely on our members, not profits, we’re able to offer loan rates typically 1–3% lower than other credit unions.
Whether you’re financing a vehicle, taking on a home improvement project, consolidating debt, or planning a major purchase, we’re here to help you borrow smarter and save more.
Family Membership
Membership has its perks — and your family can enjoy them too. Immediate family* members are eligible to join Penlanco FCU, making it easy to share trusted, member‑first financial services.
Be sure to explore our Youth Accounts for children or grandchildren — parents and grandparents love the benefits!
Visa® Credit Cards
Finding the perfect credit card just got simpler. Want powerful rewards, cash‑back perks, or a smart way to build credit? We’ve got you covered! Our impressive selection of rewards cards — many with no annual fee —lets you get more value every time you use them.
Learn More
Budgeting & Credit Guidance
Financial confidence starts with the right support. Whether you’re building credit, rebuilding it, or trying to budget more effectively, our team is here for you.
We offer personalized, one‑on‑one guidance to help you create realistic budgets and develop strong, healthy credit habits.
Budgeting Resources
*Immediate family is defined as your spouse, children, grandchildren, siblings, parents, grandparents, and any others that live in your household. Step-relationships are treated the same as blood relationships.
Join Us Today
Experience the Penlanco FCU difference. As a member-owned financial cooperative, we are dedicated to delivering exceptional service, competitive financial products, and the support you need to thrive.
Ready to join? Join online, or contact our Member Services team at 717-569-9621 or memberservices@penlancofcu.com to learn more about membership opportunities.