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Join our family for FREE and experience better banking.

Get $50

when you open a new membership to join First Commonwealth1

Get $100

when you open a new checking account, use your debit card, and sign up for eStatements2

Get $100

when you add a qualifying direct deposit to your new checking account3

Get $50

when you open a new Visa® credit card and complete a qualifying transaction4

Get $50

when you refinance an external auto loan of $5000 or more5


Choose better banking

When it comes to choosing a bank, you have a lot of options. That’s why at First Commonwealth Federal Credit Union, we want to make that decision easy with service, purpose, and a mission of empowering the pursuit of financial happiness. That means we put people and community first, and do everything in our power to make a positive and lasting impact in the Lehigh Valley.

  • We are an inclusive, not-for-profit financial cooperative open to everyone and fully owned by our members.
  • With an ownership stake, our membership shapes who we are, the decisions we make, and the amount of good we can do, simply by banking with us.
  • We exist to do right by our members, contribute to our communities, and unlike banks, we take our earnings and return them to you — our members and owners.
  • Choosing First Commonwealth means the more business you do with us, the more good we can do together, both for your finances and our community.


In addition to ownership, our members get access to trusted, award-winning services like:

  • digital and in-person banking
  • financial education products
  • discounted rates
  • exclusive services
  • free financial health checks
  • and consultations with our financial counselors.


It’s all here, at your disposal, to help you achieve financial happiness and well-being. Let’s get started today…

Yes, I Choose Better!

1Membership eligibility required.
2Member may not be primary or joint owner on existing checking account. Account must be opened between 5/24/21 and 7/31/21. Member must make at least one purchase with debit card tied to new checking account within 30 days of account opening. Enrollment in eStatements through First Commonwealth Digital Banking required.
3A qualifying direct deposit is defined as payroll, social security, or pension payment and must be made to member’s Checking Account, be received within 30 days of account opening, be on-going, and total $500 or more each month.
4New Visa application must be received between 5/24/21 and 7/31/21. Qualifying transaction must be made by 8/31/21. A qualifying transaction is defined as a purchase, balance transfer, or cash advance. All applicants applying for a Visa will be reviewed for creditworthiness. If approved, the card type and credit line granted are subject to the credit union’s underwriting guidelines. VARIABLE RATE INFORMATION: Visa Platinum: The Annual Percentage Rate (APR) is equal to Prime Rate plus a margin of 3.74%, 6% or 10%, depending on creditworthiness, and will never be greater than 18%; Visa Platinum Rewards: The APR is equal to Prime Rate plus a margin of 5% and will never be greater than 18%. Visa Signature: The APR is equal to Prime Rate plus a margin of 11% and will never be greater than 18%.
5Application must be received by 7/31/21. External loans only. Refinancing of loans held by First Commonwealth are not eligible. Subject to creditworthiness. Rates are based on an evaluation of credit. Maximum LTV may vary based on borrower’s credit profile. Term and mileage restrictions may apply.
*Promo Code required. One code per qualified member. To be eligible, member must be 18 years of age or older. Incentives will be posted to members Share Savings account within 6 to 8 weeks after meeting promotion criteria. First Commonwealth Federal Credit Union employees, volunteers, or immediate family members of those individuals are not eligible for this promotion. Accounts must be in good standing to receive incentives. Any and all tax liability is the sole responsibility of the member. First Commonwealth Federal Credit Union reserves the right to discontinue this promotion at any time without notice. If membership is closed prior to 12/31/21, First Commonwealth Federal Credit Union reserves the right to recall incentives.