Credit Unions in York, PA
5 member-owned, NCUA-insured credit unions headquartered in or near York, serving a combined 48,830 members. The largest is First Capital. 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.
First Capital
York, PA🇺🇸
21,325 members
Credit Unions & BankingView details →Heritage Valley
York, PA🇺🇸
13,587 members
Credit Unions & BankingView details →White Rose
York, PA🇺🇸
10,481 members
Credit Unions & BankingView details →York Educational
York, PA🇺🇸
2,799 members
Credit Unions & BankingView details →Pace Resources
YORK, PA🇺🇸
638 members
Credit Unions & BankingView details →This list is credit unions whose NCUA charter (headquarters) is geocoded to York: they are based in or near York. Credit unions with a branch in the city but headquartered elsewhere are listed next.
Also with a branch in York
3 more credit unions headquartered elsewhere have a branch in York, 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 →New Cumberland
NEW CUMBERLAND, PA🇺🇸
23,309 members
Credit Unions & BankingView details →Americhoice
Mechanicsburg, PA🇺🇸
15,815 members
Credit Unions & BankingView details →- Members 1st — branches: 2145 White St York, PA 17404; 2360 Whiteford Rd York, PA 17402; 2420 Mount Rose Ave York, PA 17402; 2124 S Queen St York, PA 17403
- New Cumberland — branch: 200 Memory Ln York, PA 17402-2364
- Americhoice — branch: 1 Indian Rock Dam Rd York, PA 17403-5205
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 York 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 York — common questions
How many credit unions are in York?
5 member-owned, NCUA-insured credit unions are headquartered in or near York, Pennsylvania, with a combined 48,830 members. The largest is First Capital.
Are these the closest credit unions to me in York?
The first list is credit unions whose NCUA charter (headquarters) is based in or near York, geocoded to the city. The second list adds 3 more credit unions headquartered elsewhere that NCUA shows with a branch in York, 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 York?
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 York?
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.