Credit Unions in Lancaster, PA
6 member-owned, NCUA-insured credit unions headquartered in or near Lancaster, serving a combined 44,292 members. The largest is Everence. Click any credit union for its full details.
Find credit unions near you
Use your location to see the closest member-owned credit unions. We use your coordinates once to find nearby co-ops — they’re never stored.
Sorted by membership size.
Everence
Lancaster, PA🇺🇸
24,679 members
Credit Unions & BankingView details →Lanco
Lancaster, PA🇺🇸
10,032 members
Credit Unions & BankingView details →Wheatland
LANCASTER, PA🇺🇸
4,897 members
Credit Unions & BankingView details →Finanta
Lancaster, PA🇺🇸
2,133 members
Credit Unions & BankingView details →Penlanco
Lancaster, PA🇺🇸
1,732 members
Credit Unions & BankingView details →Team First
LANCASTER, PA🇺🇸
819 members
Credit Unions & BankingView details →This list is credit unions whose NCUA charter (headquarters) is geocoded to Lancaster: they are based in or near Lancaster. Credit unions with a branch in the city but headquartered elsewhere are listed next.
Also with a branch in Lancaster
4 more credit unions headquartered elsewhere have a branch in Lancaster, PA. Source: NCUA, Credit Union Branch Information, quarter ended June 30, 2026 (2026 Q2). Branch hours and services are not shown here; check the credit union.
Sorted by membership size.
Members 1st
Enola, PA🇺🇸
634,162 members
Credit Unions & BankingView details →Citadel
EXTON, PA🇺🇸
290,591 members
Credit Unions & BankingView details →Belco Community Credit Union
HARRISBURG, PA🇺🇸
67,711 members
Credit Unions & BankingView details →Lancaster Red Rose
Leola, PA🇺🇸
4,797 members
Credit Unions & BankingView details →- Members 1st — branches: 1605 Lititz Pike Lancaster, PA 17601; 1815 Hempstead Rd Lancaster, PA 17601; 2050 Columbia Ave Lancaster, PA 17603-4331
- Citadel — branches: 100 Granite Run Dr Lancaster, PA 17601-6802; 340 Rohrerstown Rd Lancaster, PA 17603-2212
- Belco Community Credit Union — branches: 452 S Duke St Lancaster, PA 17602-4241; 201 Good Dr Lancaster, PA 17603-2399; 1758 Oregon Pike Lancaster, PA 17601
- Lancaster Red Rose — branches: 50 N Duke St Lancaster, PA 17602-2805; 150 N Queen St Lancaster, PA 17603; 2137 Embassy Dr Lancaster, PA 17603-2876
How to join a credit union in Pennsylvania
To join one of the credit unions above, you need to fall within its field of membership — usually by living or working in Lancaster or the surrounding area, through your employer, or via an association anyone can join. Once eligible, you open a small share account (often $5) that makes you a part-owner with one vote, regardless of your balance. Deposits are insured up to $250,000 by the NCUA.
Credit unions in nearby cities
Credit unions in Lancaster — common questions
How many credit unions are in Lancaster?
6 member-owned, NCUA-insured credit unions are headquartered in or near Lancaster, Pennsylvania, with a combined 44,292 members. The largest is Everence.
Are these the closest credit unions to me in Lancaster?
The first list is credit unions whose NCUA charter (headquarters) is based in or near Lancaster, geocoded to the city. The second list adds 4 more credit unions headquartered elsewhere that NCUA shows with a branch in Lancaster, as of June 30, 2026. A credit union can serve a wider area than its branches. For a true distance-sorted list from your exact location, use the "near me" finder above.
Can I join any credit union in Lancaster?
Not always. Every credit union has a "field of membership" — you typically qualify by living or working in a defined area, your employer, or an association you can join. Many community credit unions in Pennsylvania accept anyone in the area; others are tied to a specific group. Check each credit union's eligibility before opening a share account (often as little as $5).
Credit union vs bank — which is better in Lancaster?
Banks are for-profit and owned by shareholders; credit unions are not-for-profit cooperatives owned by their members, so surplus comes back to members as higher savings rates, lower loan rates and fewer fees. The trade-off is membership eligibility and, sometimes, a smaller branch and ATM network.