Philadelphia Letter Carriers Credit Union

Philadelphia, Pennsylvania
Last verified: August 4, 2026
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Verified rate book

Current Philadelphia Letter Carriers Credit Union rates

35 published offers verified as of August 4, 2026.

How we verify rates

HELOC rates

4 offers
Philadelphia Letter Carriers Credit Union heloc rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
5-Year HELOC (Variable)heloc_variable5.990% APR5.990%—Standard
10-Year HELOC (Variable)heloc_variable6.750% APR6.750%—Standard
15-Year HELOC (Variable)heloc_variable7.000% APR7.000%—Standard
20-Year HELOC (Variable)heloc_variable7.250% APR7.250%—Standard

Personal loan rates

2 offers
Philadelphia Letter Carriers Credit Union personal loan rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Holiday Loan**personal_unsecured_18mo8.900% APR8.900%18 moStandard
Payday Alternative Loan (PAL II) – Option 2personal28.000% APR28.000%—Standard

Savings & CD rates

28 offers
Philadelphia Letter Carriers Credit Union savings & cd rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
IRA Savings Rates ($25,000.01)ira0.25% APY0.25%—Standard
Vacation*****savings0.25% APY0.25%—Standard
Holiday****savings1.00% APY1.00%—Standard
Money Market Rates ($1,000 - $9,999.99)money_market1.40% APY1.40%—Standard
Money Marketmoney_market1.40% APY1.40%—Standard
Share/IRA Certificate Rates ($1,000 - $9,999.99)ira_cd1.40% APY1.40%—Standard
Share/IRA Certificateira_cd1.40% APY1.40%—Standard
Share/IRA Certificate Rates ($10,000 - $24,999.99)ira_cd1.50% APY1.50%—Standard
Money Market Rates ($10,000 - $24,999.99)money_market1.50% APY1.50%—Standard
Share/IRA Certificate Rates ($25,000 - $49,999.99)ira_cd1.60% APY1.60%—Standard
Money Market Rates ($25,000 - $49,999.99)money_market1.60% APY1.60%—Standard
Money Market Rates ($50,000 - $74,999.99)money_market1.75% APY1.75%—Standard
Share/IRA Certificate Rates ($50,000 - $74,999.99)ira_cd1.75% APY1.75%—Standard
Share/IRA Certificate Rates ($75,000 - $99,999.99)ira_cd2.00% APY2.00%—Standard
Money Market Rates ($75,000 - $99,999.99)money_market2.00% APY2.00%—Standard
Share/IRA Certificate Rates ($100,000 up to $250,000)ira_cd2.60% APY2.60%—Standard
Money Market Rates ($100,000 up to $250,000)money_market2.60% APY2.60%—Standard
Share/IRA Certificate Rates (3 Month)ira_cd_3mo2.68% APY2.65%3 moStandard
Share/IRA Certificate Rates (6 Month)ira_cd_6mo2.94% APY2.90%6 moStandard
Share/IRA Certificate Rates (12 Month)ira_cd_12mo3.04% APY3.00%12 moStandard
Share/IRA Certificate Rates (18 Month)ira_cd_18mo3.14% APY3.10%18 moStandard
Share/IRA Certificate Rates (36 Month)ira_cd_36mo3.20% APY3.15%36 moStandard
Share/IRA Certificate Rates (24 Month)ira_cd_24mo3.20% APY3.15%24 moStandard
Share/IRA Certificate Rates (48 Month)ira_cd_48mo3.30% APY3.25%48 moStandard
Share/IRA Certificate Rates (60 Month)ira_cd_60mo3.45% APY3.30%60 moStandard
48-Month Certificatecd_48mo4.00% APY4.00%48 moStandard
36-Month Certificatecd_36mo5.75% APY5.75%36 moStandard
60-Month Certificatecd_60mo5.99% APY5.99%60 moStandard

Other rates

1 offer
Philadelphia Letter Carriers Credit Union other rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Any Purposeother8.900% %8.900%—Standard

HELOC rates from 5.99% APR. Personal loan rates from 8.9% APR. Savings and certificate yields up to 5.99% APY.

Source: RateAPI.dev, verified from Philadelphia Letter Carriers Credit Union's official website

Who Can Join Philadelphia Letter Carriers Credit Union

Membership eligibility from Philadelphia Letter Carriers Credit Union's own published criteria. How we verify this.

Membership via employers (Philadelphia Gas Works +14 more) or occupations (Philadelphia District and Lancaster postal employees)

  • LocationPhiladelphia County, Camden County, Delaware County, New Castle County
  • EmployerPhiladelphia Gas Works, Plumbers and Pipefitter Local #74, Jason Sheet Metal Co., Bosio Metal Specific, General Services Administration, William Penn Annex, TJU Faculty and Staff, Conlin Corporation, Insulators and Asbestos Worker Local #42, J & N Contractors, Battaglia Corporation, Reavis Flooring, Bar & Dog Associates, Salty Dog, MIGU Press
  • OccupationPhiladelphia District and Lancaster postal employees

Cost to join: About $6.

Verified from Philadelphia Letter Carriers Credit Union's membership page. Final membership determination is always made by the credit union.

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Frequently Asked Questions

What rates does Philadelphia Letter Carriers Credit Union offer?

Philadelphia Letter Carriers Credit Union currently offers HELOC, and personal loan rates. The rates shown on this page were last verified August 4, 2026 directly from the credit union's official website.

How often are Philadelphia Letter Carriers Credit Union rates updated?

RateAPI verifies Philadelphia Letter Carriers Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified August 4, 2026.

Where does RateAPI get Philadelphia Letter Carriers Credit Union's rate data?

Rate data is collected directly from Philadelphia Letter Carriers Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.

What is Philadelphia Letter Carriers Credit Union's HELOC rate?

As of August 4, 2026, Philadelphia Letter Carriers Credit Union offers home equity lines of credit from 5.99% APR.

What is Philadelphia Letter Carriers Credit Union's personal loan rate?

As of August 4, 2026, Philadelphia Letter Carriers Credit Union offers personal loans from 8.9% APR.

What is Philadelphia Letter Carriers Credit Union's best CD rate?

As of August 4, 2026, Philadelphia Letter Carriers Credit Union offers savings and certificate (CD) yields up to 5.99% APY.

Related Rate Data

Compare Philadelphia Letter Carriers Credit Union's rates against national credit-union benchmarks.

More Pennsylvania credit unionsHELOC ratesPersonal loan ratesHow we verify rates

Source Information

Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.

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Methodology

Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives.

View Methodology

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# Get rates for Philadelphia Letter Carriers Credit Union
curl "https://api.rateapi.dev/credit-unions/pennsylvania/philadelphia-letter-carriers" \
  -H "Authorization: Bearer YOUR_API_KEY"
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