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Best Banks & Credit Unions in Pennsylvania

Compare the best banks and credit unions in Pennsylvania: up to 3.38% APY, verified fees, minimums, and membership rules from 37+ local institutions.

Pennsylvania's banking market is fragmented: 109 FDIC-insured banks and savings institutions are headquartered in the state, and 64 of them hold less than $1 billion in assets (FDIC data as of June 30, 2026). PNC is headquartered in Pittsburgh, and PSECU (Pennsylvania State Employees Credit Union) now accepts members well beyond state employees. State-chartered banks and credit unions are supervised by the Pennsylvania Department of Banking and Securities. Some of the state's savings banks trace back to the 19th-century thrift movement, and small local banks' CD and money-market rates are worth checking against online banks.

State regulator: Pennsylvania Department of Banking and Securities. Every institution below is FDIC- or NCUA-insured to $250,000.

Best banks and credit unions in Pennsylvania 2026

Every bank with a branch in Pennsylvania

144 FDIC-insured banks run 3,169 full-service offices in Pennsylvania. 96 of them are community banks, and 83 operate nowhere else. This is the federal record: every figure below is the regulator's own.

Deposits by office come from the FDIC Summary of Deposits, counted each 30 June; the leverage ratio is capital as a share of assets, from each bank's latest Call Report. Nothing here is blended into a score. Search by ZIP to see the offices nearest you.

Every bank we publish a page for in Pennsylvania

36 of them, largest first. Each page carries the bank's own Call Report figures and every office it runs.

Branches by town in Pennsylvania

Where a bank runs more than one office in a town, every one of them is listed on a page of its own.

Branch pages in Pennsylvania

Every office we publish a page for in Pennsylvania, by town. Each carries what that branch holds, when it opened and the other branches within five miles.

Pittsburgh

Harrisburg

Bryn Mawr

Hollidaysburg

Johnstown

Scranton

State College

York

Allentown

Downingtown

Dunmore

Edwardsville

Greensburg

Harleysville

Hellertown

Lancaster

Luzerne

Malvern

Mars

Montoursville

Nazareth

Newtown

Paoli

Reading

Souderton

West Chester

Williamsport

Wyomissing

Every credit union with an office in Pennsylvania

303 federally insured credit unions run 990 offices in Pennsylvania, between them serving 24,821,072 members. 164 carry the NCUA's low-income designation. Figures are from each credit union's own NCUA Call Report.

A credit union is measured differently from a bank and the numbers are not interchangeable: the net worth ratio here is the NCUA's capital measure under 12 CFR 702, where 7% is well capitalised, and shares are the credit union equivalent of deposits. Membership usually turns on where you live or work, so a local credit union is often open to you even when its name suggests otherwise.

What makes a Pennsylvania bank account worth opening

Look at four things in order: the APY (does it beat the FDIC national average of about 0.60%?), the monthly fee (anything above $0 should come with a clear waiver path), the minimum opening deposit, and the membership rule for credit unions. Pennsylvania residents typically qualify for at least one large state-chartered credit union on residency alone, and that credit union is often the highest-APY option available locally.

Is my money safe at a Pennsylvania bank or credit union?

Yes, if the institution is federally insured. FDIC covers banks up to $250,000 per depositor, per ownership category; NCUA covers credit unions at the same limits. Every institution in this directory carries one of those insurances. The FDIC or NCUA ID is listed on the full provider row.

Best banks in Pennsylvania cities

Pennsylvania banking FAQ: credit unions, rates & insurance

Who can join PSECU (Pennsylvania State Employees Credit Union)?

Despite the name, PSECU isn't limited to state employees. You qualify if you live with or are related to a member, are affiliated with one of its partner Pennsylvania colleges or universities, work for one of its 1,000-plus partner employers in the state, or join the Pennsylvania Recreation and Park Society or the Pennsylvania Consumer Council.

Why does Pennsylvania have so many small community banks?

Pennsylvania has 109 FDIC-insured banks and savings institutions headquartered in the state, and 64 of them hold less than $1 billion in assets (FDIC data as of June 30, 2026). Some trace back to the 19th-century savings-bank and thrift movement and still operate as community banks or under mutual holding companies. For savers, that means many local rate sheets to compare, and small banks' CD specials are worth checking against online banks.

Does Pennsylvania tax interest from savings accounts?

Yes. Pennsylvania taxes interest at its flat 3.07% personal income tax rate, unchanged since 2004 and still the rate for 2026. On a hypothetical 4% APY, that takes about 0.12 of a percentage point, leaving about 3.88% before federal tax. Neighbors charge more at the top: 10.75% in New Jersey on income over $1 million, and up to 10.9% in New York.

Are PA state-chartered banks covered the same as national banks?

Yes. Pennsylvania state-chartered banks carry FDIC insurance up to $250,000 per depositor, per ownership category, the same coverage as national banks. State-chartered credit unions carry NCUA insurance at the same limits. The Pennsylvania Department of Banking and Securities supervises state-chartered institutions.

Related guides for Pennsylvania savers

Rates and fees change frequently. Confirm current figures directly with each institution before applying, and see our editorial methodology for how this directory is built and maintained.