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Your Trusted Credit Union in Beaver, PA
West Penn P & P Federal Credit Union is a non-profit, member-owned financial institution that has served Western Pennsylvania and its families for over five decades. Federally chartered and insured by the National Credit Union Administration (NCUA), we provide competitive loan rates and savings dividends to our members, who own the institution. Our services are available to employees of participating companies, retirees, and their immediate families, with membership requiring a minimum $50 share in a savings account. We maintain federal insurance coverage up to $250,000 for member accounts and an additional $250,000 for IRAs.Our operations adhere to strict NCUA guidelines, ensuring financial stability and member trust. We offer 24/7 account access through our Interactive Voice Response System and online banking platforms. Our commitment to community extends to flexible loan options for autos, home equity, education, and personal needs. We prioritize transparency, with clear fee structures and annual audits conducted by our Supervisory Committee. Our physical location in Beaver, PA, and dedicated contact channels ensure personalized support for all members.
Services
Auto Loans
Credit Cards
Savings Accounts
Home Equity Loans
Online Banking
Direct Deposit
Money Market Accounts
Certificate of Deposit
Christmas Club Accounts
Identity Theft Protection
Highlights and features
- We offer NCUA-insured accounts with up to $500,000 total coverage for members.
- Our 24/7 Interactive Voice Response System provides anytime account access.
- We provide competitive auto loan rates with financing up to 100% of vehicle value.
- Our fee structure maintains transparency with no hidden charges for core services.
- We conduct annual independent audits to ensure financial accountability.
Associations and certifications
- National Credit Union Administration (NCUA)
What people say
Competitive loan rates
Excellent customer service
Secure NCUA insurance
24/7 access
Transparent fees
Services
Auto Loans
We provide secured auto loans for new and used vehicles with competitive rates and flexible terms. Our financing covers 100% of NADA-listed values for used cars or new vehicle purchase prices. Members benefit from payroll deduction payment options and transparent interest structures.
Credit Cards
Our Visa credit cards offer a fixed 14.90% APR with 25-day grace periods and no increased fees. Features include emergency replacement, PIN services, and global acceptance. We maintain clear fee disclosures for late payments and card management services.
Savings Accounts
We offer dividend-paying savings accounts with federal insurance up to $250,000. Our members earn quarterly dividends on balances starting at $50, with higher rates for money market and certificate accounts. Minimum balance requirements ensure competitive returns for savers.
Home Equity Loans
Secured home equity loans provide financing based on property value minus existing mortgages. We follow federal fair housing guidelines and offer fixed-rate terms for home improvements or debt consolidation. Loan approvals consider collateral value and member financial history.
Online Banking
Our 24/7 online banking platform enables fund transfers, bill payments, and account management. The system includes mobile check deposit with daily processing until 3 PM EST and supports direct deposit integration for payroll and government benefits.
Questions
What loan types do you offer?
We provide auto loans, home equity loans, personal loans, Visa credit cards, and certificate-secured loans with competitive rates.
How can I access my account after hours?
Our 24/7 Interactive Voice Response System allows balance checks, fund transfers, and payment scheduling from any touch-tone phone.
Are my deposits insured?
Yes, all accounts are NCUA-insured up to $250,000 with separate $250,000 coverage for IRAs.
What credit card fees apply?
Our Visa cards have a 14.90% APR with fees ranging from $5–$25 for replacements, rush services, and late payments.
How do I report account errors?
Contact our Supervisory Committee in writing within 30 days of statement date at PO Box 398, Beaver, PA 15009.
Can I open an account remotely?
Membership requires affiliation with participating employers or family members, with initial $50 share deposit needed to activate accounts.
