--- title: "Penn Credit Union Rates (Nov 2026): Auto 5.99%, Personal 7.90%" description: "Penn Credit Union rates today: auto loans from 5.99% APR, personal loans from 7.90% APR. Every rate verified daily from the official website — no pay-to-rank. See who can join Penn Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/pennsylvania/penn" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Penn Credit Union Rates (Nov 2026): Auto 5.99%, Personal 7.90% ### Auto & vehicle rates 3 offers | Product | Published | Rate | Term / condition | Status | | **New Auto Loan** auto_new | — APR | 5.250% | new | Standard | | **Auto Loan** auto | — APR | 5.250% | — | Standard | | **Used Auto Loan** auto_used | 5.990% APR | 5.990% | used | Standard | Penn Credit Union auto & vehicle rates as of November 12, 2026 ### HELOC rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Home Equity Loan (Fixed)** heloc_fixed | — APR | 5.990% | — | Standard | Penn Credit Union heloc rates as of November 12, 2026 ### Personal loan rates 2 offers | Product | Published | Rate | Term / condition | Status | | **Vacation Loan** personal | 7.900% APR | 7.900% | — | Standard | | **Unsecured Personal Loan** personal_unsecured | — APR | 9.900% | — | Standard | Penn Credit Union personal loan rates as of November 12, 2026 ### Student loan rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Tuition Loan** student | 7.900% APR | 7.900% | — | Standard | Penn Credit Union student loan rates as of November 12, 2026 ### Credit card rates 2 offers | Product | Published | Rate | Term / condition | Status | | **Credit Card Consolidation Loan** credit_card | — APR | 8.900% | — | Standard | | **Credit Card** credit_card | — APR | 9.900% | — | Standard | Penn Credit Union credit card rates as of November 12, 2026 Auto loans available from 5.99% APR. Personal loan rates from 7.9% APR. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/pennsylvania/penn) , verified from [Penn Credit Union's official website](https://penncu.org/) Best product position **Better than the Pennsylvania median** personal loan Gap to state best **591 bp** 591 bp from state best Vs. state median **110 bp better than median** personal loan Products ranked **2** across tracked Pennsylvania markets | Product | Published APR | Position | Vs. state best | Vs. state median | | used-car loan | 5.99% | Around the Pennsylvania median | 130 bp from state best | Matches state median | | personal loan | 7.90% | Better than the Pennsylvania median | 591 bp from state best | 110 bp better than median | Published rate position by product as of November 13, 2026 This is the public snapshot. Claim Penn Credit Union's profile to see the full product-by-product breakdown, how the gap to the state best has moved over time, and the near-misses where a small change would move you up. [See the full breakdown →](https://rateapi.dev/for-credit-unions/claim?cu=penn&state=pennsylvania&code=PA&name=Penn%20Credit%20Union) Loading branch locator… ## About Penn Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 6.6K Assets $54.6M Founded 1970 Locations reported 2 NCUA charter 20207 Charter type Federal credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Mobile payments Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**University of Pennsylvania Students** University of Pennsylvania Students Federal Credit Union · Philadelphia · PA · 19104 About 0.5 miles away](https://rateapi.dev/credit-unions/pennsylvania/university-of-pennsylvania-students) [**Ardent** VA · Phila · PA · 19104 About 0.6 miles away](https://rateapi.dev/credit-unions/pennsylvania/ardent) [**S I Philadelphia** SI Philadelphia FCU · Philadelphia · PA · 19104-1466 About 0.7 miles away](https://rateapi.dev/credit-unions/pennsylvania/s-i-philadelphia) [**Franklin Mint** University City · Philadelphia · PA · 19104-3395 About 0.7 miles away](https://rateapi.dev/credit-unions/pennsylvania/franklin-mint) [**American Heritage** CHOP · Philadelphia · PA · 19104-5127 About 0.8 miles away](https://rateapi.dev/credit-unions/pennsylvania/american-heritage) [**Fedchoice** Philadelpia Financial Service Center · Philadelphia · PA · 19104-5002 About 0.9 miles away](https://rateapi.dev/credit-unions/maryland/fedchoice) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Penn Credit Union Membership eligibility from Penn Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Penn Credit Union's website. Check the membership page below to confirm whether you qualify. - Employer University of Pennsylvania, University of Pennsylvania Health Systems (or its affiliated institutions), The Wistar Institute, Children’s Hospital of Philadelphia, The Philadelphia Tribune Verified from [Penn Credit Union's membership page](https://penncu.org/members-matter/) . Final membership determination is always made by the credit union. ## Membership rules for Penn Credit Union Employers 5 · Family 3 8 published paths to membership, last verified August 27, 2026, quoted from Penn Credit Union’s own published criteria. ### Employers 5 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Employee of University of Pennsylvania “We serve employees of the following companies: University of Pennsylvania” > [source ↗](https://penncu.org/members-matter/) - Employee of University of Pennsylvania - Employee of University of Pennsylvania Health Systems (or its affiliated institutions) (as written on the source page) “University of Pennsylvania Health Systems (or its affiliated institutions)” > [source ↗](https://penncu.org/members-matter/) - Employee of University of Pennsylvania Health Systems (or its affiliated institutions) - Employee of The Wistar Institute “The Wistar Institute” > [source ↗](https://penncu.org/members-matter/) - Employee of The Wistar Institute - Employee of Children’s Hospital of Philadelphia “Children’s Hospital of Philadelphia” > [source ↗](https://penncu.org/members-matter/) - Employee of Children’s Hospital of Philadelphia - Employee of The Philadelphia Tribune “The Philadelphia Tribune” > [source ↗](https://penncu.org/members-matter/) - Employee of The Philadelphia Tribune ### Family 3 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Family of a member “Family members of members are also eligible to join the credit union.” > [source ↗](https://penncu.org/members-matter/) - Family member of a member - Family of someone eligible family “Penn Federal Credit Union is a member-owned, not-for-profit financial institution that exists to provide superior financial products and services to members, including current and former employees of the following companies and their families.” > [source ↗](https://penncu.org/members-matter/) - Family member (family) of an eligible person - Family of a member family “Family members of members are also eligible to join the credit union.” > [source ↗](https://penncu.org/members-matter/) - Family member (family) of a member Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Penn Credit Union? Yes No ## Work at Penn Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Penn Credit Union ranks against Pennsylvania peers. - See which AI assistants fetched Penn Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Pennsylvania - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=penn&state=pennsylvania&code=PA&name=Penn%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Penn Credit Union offer? Penn Credit Union currently offers Auto loan, HELOC, personal loan, student loan, and credit card rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are Penn Credit Union rates updated? RateAPI verifies Penn Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get Penn Credit Union's rate data? Rate data is collected directly from Penn Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What are Penn Credit Union's auto loan rates? As of November 12, 2026, Penn Credit Union offers auto loans from 5.99% APR. ### What is Penn Credit Union's personal loan rate? As of November 12, 2026, Penn Credit Union offers personal loans from 7.9% APR. ### Who can join Penn Credit Union? Penn Credit Union publishes its membership criteria on its own website. RateAPI tracks 8 published membership paths covering 5 employers for Penn Credit Union, each quoted from Penn Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Penn Credit Union's rates against national credit-union benchmarks. [More Pennsylvania credit unions](https://rateapi.dev/credit-unions/pennsylvania) [Pennsylvania auto loan rate leaders](https://rateapi.dev/auto-loan-rates/pennsylvania) [Pennsylvania HELOC rate leaders](https://rateapi.dev/heloc-rates/pennsylvania) [Pennsylvania personal loan leaders](https://rateapi.dev/personal-loan-rates/pennsylvania) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [Credit card rates](https://rateapi.dev/credit-card-rates) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://penncu.org/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Penn Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Pennsylvania credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Penn Credit Union curl "https://api.rateapi.dev/credit-unions/pennsylvania /penn " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Penn Credit Union locations Search, filter, and browse all 2 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/pennsylvania/penn Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp