Rooted in Chelsea's landmark Penn South housing cooperative, Penn South Cooperative Federal Credit Union brings community banking to Manhattan co-op residents and their neighbors. It offers savings and checking accounts plus consumer loans, extending the co-op's mutual-aid spirit into members' everyday financial lives.

In the heart of Chelsea, Penn South Cooperative Federal Credit Union proves that New York City banking can still feel like a neighborhood affair. Born from the famous Penn South housing co-op, it serves residents with accounts, loans, and advice grounded in cooperative values rather than Wall Street profits. City living is pricey, so here's your edge: use Fluz to earn cashback on dining, delivery, transit-day coffee runs, and retail therapy across Manhattan. Fluz rewards plus credit union dividends mean your dollars pull double duty. Cooperative housing, cooperative banking, and cashback: that's a very New York trifecta.