Franklin Johnstown Federal Credit Union

TODAY'S FEATURED RATES

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.31%

Our Rating

4.0 / 5

Vio Bank

Cornerstone Money Market

See Offer

Sponsored Note: Interest is compounded daily, growing your money fast

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Overview / Commentary

franklinjohnstown.com

814-262-9117

310 Bloomfield St
Johnstown, PA 15904

Franklin Johnstown Federal Credit Union is headquartered in Johnstown and is the 142^nd largest credit union in the state of Pennsylvania. It is also the 2,704^th largest credit union in the nation. It was established in 1950 and as of March of 2025, it had grown to 12 employees and 4,095 members at 2 locations. Franklin Johnstown Federal Credit Union's CD rates are 56% higher than the national average, and it has a B health rating.

Field of Membership Restrictions

Franklin Johnstown Federal Credit Union is open to employees or retirees (and their immediate family or household members) of any of the credit union's Select Employer Groups, including the City of Johnstown, Bethlehem Mines, Cambria Railroad Company, Valley Coal Company, and over 150 other companies and organizations.(A complete list of SEGs can be found on the credit union's website)
See current membership details

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Health

Data as of Q1 2025

Learn why bank health matters

Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Franklin Johnstown Federal Credit Union has a low asset base.

Health Grade Components

Overall
NCUA #	6723
Year Chartered	1950
Employees	12
Primary Regulator

Profit Margin
Return on Assets - YTD	0.56%
Return on Equity - YTD	5.13%
Annual Interest Income	$337K

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$37.3MM$37.2MM
Loans	Q1 2025vs Q1 2024	$11.2MM$11.9MM
Deposits	Q1 2025vs Q1 2024	$33.3MM$33.9MM
Equity Capital	Q1 2025vs Q1 2024	$4MM$3.3MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$149K$96K
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$44K$27K
Real Estate Owned	Q1 2025vs Q1 2024	$0$0

TODAY'S FEATURED RATES

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.31%

Our Rating

4.0 / 5

Vio Bank

Cornerstone Money Market

See Offer

Sponsored Note: Interest is compounded daily, growing your money fast

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

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CD
IRA

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Franklin Johnstown Federal Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.50%	$0	-	Christmas Club
0.25%	$0	-	Vacation Club
0.10%	$25	-	Regular Shares
0.10%	$25	-	Youth Share Account

Franklin Johnstown Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
1.50%	$1k	-	6 Month Share Certificate
1.40%	$1k	-	12 Month Share Certificate
1.30%	$1k	-	18 Month Share Certificate
1.30%	$1k	-	24 Month Share Certificate
1.30%	$5k	-	36 Month Share Certificate

Franklin Johnstown Federal Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
1.50%	$1k	-	6 Month IRA Certificate
1.40%	$1k	-	12 Month IRA Certificate
1.30%	$1k	-	18 Month IRA Certificate
1.30%	$1k	-	24 Month IRA Certificate
1.30%	$5k	-	36 Month IRA Certificate
0.30%	$5	-	IRA Share

Locations

Franklin Johnstown Federal Credit Union Locations
Branch Office	310 Bloomfield St	Johnstown, PA 15904-3202
Branch Office	544 Vine St	Johnstown, PA 15901-2013

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