G.A.P. Federal Credit Union

Popular Accounts at this Credit Union

APY	ACCOUNT TYPE	ACCOUNT NAME
0.40%	1-year CD	12 Month Share Certificate 2.10% - Goldman Sachs Bank USA High-yield 12 Month CD
0.10%	Savings	Special Shares Account 1.30% - Nationwide Bank Online Savings Account
0.75%	3-year CD	30 Month Share Certificate 2.35% - Synchrony Bank 36 Month CD

View all G.A.P. Federal Credit Union rates »

Overview / Commentary

www.gapfcu.org

814-535-4165

111 Franklin St Rm 224
Johnstown, PA 15901

G.A.P. Federal Credit Union is headquartered in Johnstown and is the 119^th largest credit union in the state of Pennsylvania. It is also the 2,439^th largest credit union in the nation. It was established in 1937 and as of December of 2017, it had grown to 10 employees and 5,241 members at 4 locations. G.A.P. Federal Credit Union has a B+ health rating.

Field of Membership Restrictions

Must be an employee of the United States Government including all branches of the military who live or work in Johnstown, PA or in Cambria or Somerset County, PA. Also open to employees of other select companies.
See current membership details

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Health

B+

Data as of Q4 2017

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. G.A.P. Federal Credit Union has a low asset base.

Health Grade Components

Overall
NCUA #	2405
Year Chartered	1937
Employees	10
Primary Regulator

Profit Margin
Return on Assets - YTD	0.26%
Return on Equity - YTD	2.08%
Annual Interest Income	$1.3MM

Assets and Liabilities
Assets	Q4 2017vs Q4 2016	$44.6MM$42.5MM
Loans	Q4 2017vs Q4 2016	$19.1MM$19.3MM
Deposits	Q4 2017vs Q4 2016	$38.9MM$37.0MM
Equity Capital	Q4 2017vs Q4 2016	$5.5MM$5.4MM
Loan Loss Allowance	Q4 2017vs Q4 2016	$201.00K$151.00K
Unbacked Noncurrent Loans	Q4 2017vs Q4 2016	$177.00K$119.00K
Real Estate Owned	Q4 2017vs Q4 2016	$0$0

Rates

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Savings
Money Market
CD
IRA

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

G.A.P. Federal Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.30%	-	-	Christmas Club Account
0.30%	-	-	IRA Shares Account
0.30%	-	-	Roth IRA Shares Account
0.30%	-	-	Coverdell ESA
0.10%	$50	-	Regular Share Savings Account
0.10%	-	-	Vacation Shares Account
0.10%	-	-	Tax Shares Account
0.10%	-	-	Special Shares Account

G.A.P. Federal Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.30%^*	$100k^*	-	Money Market Shares Account
OTHER TIERS: 0.20% → $1k - $10k \| 0.25% → $10k - $100k

G.A.P. Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
0.85%	$500	-	36 Month Share Certificate
0.75%	$500	-	30 Month Share Certificate
0.65%	$500	-	24 Month Share Certificate
0.50%	$500	-	18 Month Share Certificate
0.40%	$500	-	12 Month Share Certificate
0.30%	$500	-	9 Month Share Certificate
0.20%	$500	-	6 Month Share Certificate

G.A.P. Federal Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
0.95%	$500	-	36 Month IRA Certificate
0.85%	$500	-	24 Month IRA Certificate
0.75%	$500	-	12 Month IRA Certificate

Locations

G.A.P. Federal Credit Union Locations
Branch Office	111 Franklin St Rm 224	Johnstown, PA 15901
Branch Office	194 Donald Ln Ste 3	Johnstown, PA 15904-2840
Branch Office	1342 William Penn Ave	Johnstown, PA 15906
Branch Office	2907 Pleasant Valley Blvd Rm 9	Altoona, PA 16602

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