At a glance
From its website, read 2 Nov 2026East End Food Coop FCU is a credit union based in Pittsburgh, Pennsylvania. Its website describes auto loans, credit-builder loans, small-dollar emergency loans and 2 other loan types. Where it lends: Anyone who lives, works or worships in 22 census tracts in Pittsburgh, PA and surrounding suburbs; also East End Food Co-op members in Allegheny or Westmoreland. Consumer loan APRs stated on its site range from 2.5% to 18%.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Main | (412) 243-7574 source |
|---|---|
| Website | www.eefcfcu.org |
| Office (official list) | 7516 Meade St., Pittsburgh, PA 15208 |
What their website says about applying
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Rates and terms they state
Read 2 Nov 2026| Loan | Stated | Text on the lender's site (verbatim) | Page |
|---|---|---|---|
| Loans (general) | Rate: 2.5%–5% APR | Maximum Term: 36 months | 2.5% - 5.0% APR | Maximum Loan Amount: member's share balance | source |
| Loans (general) | Rate: 18% APR | Maximum Term: 12 months | 18.0% APR | source |
| Auto / vehicle loans | Rate: 4.75%–9% APR | Maximum Term: 72 months | 4.75% - 9.0% APR | source |
| Credit-builder loans | Rate: 2.5%–5% APR | Maximum Term: 24 months | 2.5% - 5.0% APR | Maximum Loan Amount: $1,500 | source |
| Personal / consumer loans | Rate: 7%–12.5% APR | Maximum Term: 36 months | 7.0% - 12.5% APR | source |
| Loans (general) | Term: up to 12 mo | Maximum Term: 12 months | 18.0% APR | source |
| Loans (general) | Term: up to 3 yr | Maximum Term: 36 months | 2.5% - 5.0% APR | Maximum Loan Amount: member's share balance | source |
| Auto / vehicle loans | Term: up to 6 yr | Our Auto Loan program has no loan amount limit, and has terms up to 72 months. | source |
| Credit-builder loans | Term: up to 2 yr | Maximum Term: 24 months | 2.5% - 5.0% APR | Maximum Loan Amount: $1,500 | source |
| Personal / consumer loans | Term: up to 3 yr | Credit Union members can get personal loans for up to $10,000 with terms up to 36 months. | source |
As published on the lender's website on that date, not an offer or a quote. Your rate depends on the lender's review. A missing rate means the pages we read did not state one. For consumer loans we repeat a rate only when the lender states it as an APR (annual percentage rate, which includes fees); otherwise read the lender's own wording and ask for the APR.
Who qualifies, in their words
- Membership required
Credit Union members can get personal loans for up to $10,000 with terms up to 36 months.
source - Collateral required
Our credit union offers short-term, share-secured loans up to $1500.
source
Only rules the lender's own pages state. Other requirements may apply.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Credit union |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 18 Aug 2026 |
| RSSD ID | 2270263 |
| Address | 7516 Meade St., Pittsburgh, PA 15208 Directions (Google Maps) |
| Website | www.eefcfcu.org |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Verified from lender site on 2 Nov 2026Read from 7 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: medium. Loan product pages are thin and no online loan application is stated on the pages fetched. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Auto / vehicle loans | — | Our Auto Loan program has no loan amount limit, and has terms up to 72 months. | source |
| Credit-builder loans | up to $1,500 | Our credit union offers short-term, share-secured loans up to $1500. | source |
| Small-dollar / emergency loans | — | Borrow and Save is a safe, convenient small dollar loan that also lets you save. | source |
| Energy / solar / efficiency loans | — | Members financing environmentally-friendly purchases such as a hybrid vehicle, yearly PAT pass or energy-efficient home modification are eligible to receive a special low rate on their loan. | source |
| Personal / consumer loans | up to $10,000 | Credit Union members can get personal loans for up to $10,000 with terms up to 36 months. | source |
Loan sizes
Service area
Anyone who lives, works or worships in 22 census tracts in Pittsburgh, PA and surrounding suburbs; also East End Food Co-op members in Allegheny or Westmoreland
Our Credit Union serves anyone who lives, works or worships within one of 22 census tracts located within Pittsburgh, Pennsylvania and its surrounding suburbs.
source
Counties this matches: Allegheny County, PA
Borrower focus
- Not stated on the pages we read.
Languages
- No non-English service found on the pages we read.
Online application
No online application link found on the pages we read.
Questions to ask when you contact them
Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- How do I become a member, and is there a fee or a minimum deposit?
Credit unions lend only to their members. - What are the smallest and the largest loans you make?
No loan amounts are stated on their website. - Is there a minimum credit score, and do you consider borrowers with little or no credit history?
Their website does not say what credit history they accept. - Can I apply online, or do I need to call or visit?
We found no online application on their website. - What documents will you need from me, and how long does a decision usually take?
Their website describes some application steps (above); ask for the full document list.
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$756,520 in 6 awards from the U.S. Treasury's CDFI Fund, 2014–2024 (CDFI Program, Technical Assistance; Small Dollar Loan Program).
| Round year | Program | Amount |
|---|---|---|
| 2024 | CDFI Program, Technical Assistance | $250,000 |
| 2022 | Small Dollar Loan Program | $74,870 |
| 2021 | CDFI Program, Technical Assistance | $100,000 |
| 2019 | CDFI Program, Technical Assistance | $100,000 |
| 2017 | CDFI Program, Technical Assistance | $109,650 |
| 2014 | CDFI Program, Technical Assistance | $122,000 |
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.
Branches and size
NCUA, 30 Jun 2026On file with the NCUA as EAST END FOOD COOPERATIVE (charter 24483). Source: NCUA 5300 Call Report quarterly data (public data) as of 30 Jun 2026, downloaded 3 Nov 2026: total assets, members and branch addresses.
| Total assets | $2 million (as of 30 Jun 2026) |
|---|---|
| Members | 418 (as of 30 Jun 2026) |
| Offices | 1 (as of 30 Jun 2026) |
Offices by state and county (1)
Pennsylvania (1 office)
- Allegheny County (1): 7516 Meade St, Pittsburgh 15208 (main office)
An office shows where the lender has a branch, not where it lends or whom it lends to. Credit unions serve members only; check who can join. For the ZIP-code search, credit-union offices are placed at the centre of their ZIP code (approximate).
What the regulator filing shows
NCUA 5300, 30 Jun 2026Figures from the 5300 Call Report filed by East End Food Coop FCU (NCUA charter 24483, filed as “EAST END FOOD COOPERATIVE”). Source: NCUA 5300 Call Report quarterly data (public data), cycle 30 Jun 2026; year-earlier figures from the 30 Jun 2025 cycle; downloaded 3 Nov 2026.
| Total loans and leases | $915,806, 131 loans (as of 30 Jun 2026) |
|---|---|
| Change over the year | Up 9.6% from $835,969 on 30 Jun 2025 |
| Members | 418 (as of 30 Jun 2026); 405 (as of 30 Jun 2025) |
| Loans per member | $2,191 (total loans divided by members, 30 Jun 2026) |
| Total assets | $2 million (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| New vehicle loans | $243,903 | 26.6% |
| Used vehicle loans | $433,468 | 47.3% |
| Other unsecured loans | $185,192 | 20.2% |
| Leases and other secured loans | $53,243 | 5.8% |
None reported on the 30 Jun 2026 report: first-lien home mortgages (1-4 family); other real estate loans (junior liens, other); commercial (business) loans; credit cards.
Balances are loans outstanding on the report date, not loans made during the year. A category with no balance does not mean the credit union never makes that kind of loan. Credit unions lend to members only; check who can join.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Total assets (Call Report, 30 Jun 2026) | $2 million | Larger than 5% of the 284 other certified credit unions nationwide (median $182.7 million). |
| Loans as a share of assets | 47% | Median of the same 284 credit unions: 70%. A higher share means more of its balance sheet is lent out. |
| Loans held, 30 Jun 2025 → 30 Jun 2026 | $835,969 → $915,806 (+10%) | Median change of 282 other certified credit unions nationwide: +3%. Rank by loans held among these 283: 265 → 265. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Call Report total assets | other certified credit unions nationwide | 284 | larger than 5% |
| Loans held then vs now | certified credit unions nationwide reporting both dates | 282 | rank 265 → 265 of 283 |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered. Peer groups and sources: methodology. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section).
Other certified CDFIs in Pittsburgh and Pennsylvania
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- Renewable Manufacturing Gateway dba Community Growth FundVenture capital fund · Pittsburgh, PAAuto / vehicle loans, Affordable housing development loans, Small-business loansVerified
Work at East End Food Coop FCU? Link to this page
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