Pagoda Federal Credit Union

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A short history of Pagoda FCU

Since its inception in 1963 the Pagoda Federal Credit Union has been serving its members in the Reading, Pennsylvania area with exceptional financial products. You can find their current interest rates on used car loans, new car loans, 1st mortgage loans and interest rates on both fixed and adjustable mortgages here on these pages. Currently led by Debra Guthier, the Pagoda FCU has grown its membership to over 4,068 with assets of more than $25,662,264. They have a main office and 2 branch offices. Please see the credit unions website or contact them by phone at (610) 373-3840 or email them at to get exact details . There are many other credit unions in the local area. See them all here. Credit Unions in Reading, PA.

General Information For Pagoda FCU was taken from their 6/30/2017 quarterly report, which is the most current available public information.

Charter Number 15532
Address 833 Washington Street 
City Reading 
State Pennsylvania 
Zip-Code 19601
Phone Number (610) 373-3840
Fax Number (610) 373-4479
Email Address:
CEO/President Debra Guthier
Members 4,068 
Full-Time Employees
Part-Time Employees
Number of Branch Offices
Total Assets 25,662,264 

Compare Pagoda Federal Credit Union To Other Local Credit Unions

Credit Union Name
Branch Name
Zip Code
Phone Number
ATM Access
Distance (Miles)
Bellco CU Bellco FCU 609 Spring St 19610 (610) 373-5192 No 1.38
Riverfront CU Riverfront FCU St Joseph Medical Center 19605 (610) 374-8351 No 2.15
Reading Berks School Employees CU reading berks school emp cu 2120 hampden blvd 19612 (610) 921-1003 No 2.19
Clearchoice CU ClearChoice FCU 1981 State Hill Rd 19610 (610) 376-0605 No 2.29
Utilities Employees CU Utilities Employees Credit Union 11 Meridian Blvd 19612 (610) 927-4000 No 2.31

Pagoda Federal Credit Union Financial Performance Charts

Performance Charts

Website Image

Financial Data

Pagoda Federal Credit Union Lowest Loan Rates With State and USA Rankings

Unsecured Credit Card New Car Loans Used Car Loans 1st Mortgage Loans Other Real Estate
Rate 9.90 3.25 3.25 4.00 4.00
Mean Rate For All USA Based Credit Unions 10.56 3.72 5.00 4.48 4.95
Rank Among All USA Credit Unions 243 174 120 138 100
Rank Among All Pennsylvania Credit Unions 39 65 35 40 35

Pagoda Federal Credit Union Highest Deposit Rates With State and USA Rankings

Checking Regular Savings Money Market Certificates of Deposits IRA/KEOGH
Rate N/A 0.05 N/A 0.10 0.05
Mean Rate For All USA Based Credit Unions 0.19 0.26 0.29 0.73 0.66
Rank Among All USA Credit Unions N/A 143 N/A 332 291
Rank Among All Pennsylvania Credit Unions N/A 42 N/A 95 68
Pagoda Federal Credit Union Loans and Leases

Interest Rate Number of Loans Amount
Unsecured Credit Card Loans 9.9007512,109,994
All Other Unsecured Loans/Lines of Credit 9.000245743,898
Short-Term, Small Amount Loans (STS) (Federal CU Only) 0.00000
Non-Federally Guaranteed Student Loans 0.00000
New Vehicle Loans 3.250971,576,485
Used Vehicle Loans 3.2501321,272,115
Total 1st Mortgage Real Estate Loans/Lines of Credit 4.0001033,646,665
Total Other Real Estate Loans/Lines of Credit 4.000691,204,280
Leases Receivable 0.00000
Total All Other Loans/Lines of Credit 2.85028195,644
TOTAL LOANS & LEASES 1,42510,749,081

Pagoda Federal Credit Union Real Estate Loans and Lines of Credit


No. of Loans Outstanding Amt of Loans Outstanding No. of Loans Granted Year- to-Date Amount Granted Year-To-Date
Fixed Rate
    a. > 15 years 1171,02500
    b. 15 Years or less 1023,475,6403140,101
    a. > 15 years 0000
    b. 15 Years or less 0000
Other Fixed Rate 0000
Adjustable Rate 1 yr or less 0000
Adjustable Rate > 1 yr 0000


Closed-End Fixed Rate 661,175,6945120,550
Closed-End Adjustable Rate 0000
Open-End Adjustable Rate 328,58600
Open-End Fixed Rate 0000
TOTALS 1724,850,9458260,651


Interest Only & Payment Option 1st Mortgage Loans 000
Interest Only & Payment Option Other RE/LOC Loans 000
    a. Federally Insured Home Equity Conversion Mortgage (HECM) 0000
    b. Proprietary Reverse Mortgage Products 0000

Pagoda Federal Credit Union Member Offerings
First Time Homebuyer Program No
Real Estate Loans Yes
Pay Day Lending No
Share Secured Credit Cards No
Overdraft Protection/Courtesy Pay No
Overdraft Lines of Credit No
ATM/Debit Card Program Yes
Interest Only and Payment Option 1st Mortgage Loans No
Check Cashing Yes
Money Orders Yes
No Surcharge ATMs No
Home Banking Via Internet Website Yes