+1 215 222 2604

Direct Deposit/ACH Routing Number: 036089053

Online Banking Access


Convenient Membership

We offer savings and checkings accounts with high dividend rates compared to competing institutions. There is no membership fee, and we cater to both domestic and international students. Benefits include free and unlimited incoming wires and teller transactions!

Secure Online Banking

We offer free Online Banking to all of our members. This secure service allows you to transfer funds between your SFCU accounts. You may also view current account balances, loan balances, and up-to-date account histories from the convenience of a personal computer.

Surcharge-free ATMs

SFCU has the largest surcharge-free ATM network both on- and off-campus! With multiple surcharge-free ATM locations on Penn's campus, and tens of thousands free ATMs nationwide, SFCU members enjoy free and convenient access to their funds when needed.

Loans & Credit Builders

The SFCU offers unsecured loans to members with market competitive interest rates and no prepayment penalty. We also provide an installment credit builder program to help you improve many aspects of your credit score, with principal payments automatically covered by us!

Free VISA Debit Card

Get a free Visa Debit Card when you open a checking account with the SFCU. Use your card to make purchases and withdrawals, all the while showing your Penn pride! SFCU Visa Debit Cards flaunt a spectacular image of some of Philadelphia’s most acclaimed landmarks.

Direct Deposit

The SFCU offers all our members free and unlimited Direct Deposits. Direct Deposit may be set up with your employer or other participating parties to automatically and electronically deposit your checks into either your SFCU Shares or SFCU Checking Account.


Enjoy discounts on purchases at local merchants with your SFCU debit card.

Ben & Jerry's

10% off your purchase

Phone Repair Philly

10% off your repair

Lair KTV

10% off your purchase


10% off your purchase

Why apply for a credit builder?

Latest News

COVID-19 Update

The Student Federal Credit Union will, at this time, remain operational and clients will continue to be served in person BY APPOINTMENT ONLY during the coronavirus pandemic. Members should be assured that employees are following CDC and university guidelines on public health and that safety and service quality remain our primary focuses for members. The SFCU remains committed to making decisions for the benefit of its clients, both financially and medically. If you have any questions, feel free to email or call the SFCU. Once again, thank you for your trust and cooperation, especially in these times.
Cooperation w/ The Radian

Description: The SFCU has partnered with The Radian, the leading off-campus housing in the Penn area, to deliver our members discounts with their rent. To obtain this discount, simply present your SFCU debit card to The Radian staff as your sign your lease. For more information about this cooperation, please visit the “Partnerships” tab or call offices!
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Contact us

To contact the SFCU, please email, call, or visit us. Our contact information can be found below. An SFCU Representative will respond to your email within two business days.

Member Services: (215) 222-2604
Loan Officers: (215) 222-2605
Fax: (215) 222-2607
Lost/Stolen Debit Card: (800) 523-4175

Member Services: support@upennsfcu.org
Management Concerns: supervisory@upennsfcu.org
Information Security Concerns: tech@upennsfcu.org

Our normal operating hours:
Monday - Friday: 12:00 P.M. - 5:00 P.M.
Saturday: 12:00 P.M. - 5:00 P.M. by phone/e-mail only

The SFCU is conveniently located on-campus, right above the Starbucks Café on 34th & Walnut. To find our main branch offices, go to the 4th floor of the university's Franklin Building (A-Wing). When exiting the elevators, you will see a SFCU banner.