Featured Savings Rates
Featured Accounts

G.A.P. Federal Credit Union

Popular Accounts at this Credit Union

0.40%1-year CD12 Month Share Certificate
0.10%SavingsSpecial Shares Account
0.75%3-year CD30 Month Share Certificate

Overview / Commentary
111 Franklin St Rm 224
Johnstown, PA 15901

G.A.P. Federal Credit Union is headquartered in Johnstown and is the 120th largest credit union in the state of Pennsylvania. It is also the 2,453rd largest credit union in the nation. It was established in 1937 and as of June of 2016, it had grown to 10 employees and 5,227 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.
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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

NCUA #2405
Year Chartered1937
Primary Regulator
Profit Margin
Return on Assets - YTD0.44%
Return on Equity - YTD3.66%
Annual Interest Income$622.00K
Assets and Liabilities
AssetsQ2 2016vs Q2 2015$44.1MM$42.4MM
LoansQ2 2016vs Q2 2015$19.2MM$18.4MM
DepositsQ2 2016vs Q2 2015$38.7MM$37.1MM
Equity CapitalQ2 2016vs Q2 2015$5.4MM$5.3MM
Loan Loss AllowanceQ2 2016vs Q2 2015$136.00K$105.00K
Unbacked Noncurrent LoansQ2 2016vs Q2 2015$82.00K$113.00K
Real Estate OwnedQ2 2016vs Q2 2015$0$0
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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

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

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

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

0.95%$500-36 Month IRA Certificate
0.85%$500-24 Month IRA Certificate
0.75%$500-12 Month IRA Certificate

G.A.P. Federal Credit Union Locations
Branch Office111 Franklin St Rm 224Johnstown, PA 15901
Branch Office194 Donald Ln Ste 3Johnstown, PA 15904-2840
Branch Office1342 William Penn AveJohnstown, PA 15906
Branch Office2907 Pleasant Valley Blvd Rm 9Altoona, PA 16602