Featured Savings Rates
Featured Accounts

G.A.P. Federal Credit Union

Popular Accounts at this Credit Union

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

Overview / Commentary
814-535-4165
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 2,474th largest credit union in the nation. It was established in 1937 and as of September of 2016, it had grown to 10 employees and 5,247 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+
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 Chartered1937
Employees10
Primary Regulator
Profit Margin
Return on Assets - YTD0.45%
Return on Equity - YTD3.62%
Annual Interest Income$955.00K
Assets and Liabilities
AssetsQ3 2016vs Q3 2015$43.4MM$42.3MM
LoansQ3 2016vs Q3 2015$19.8MM$19.0MM
DepositsQ3 2016vs Q3 2015$37.9MM$37.0MM
Equity CapitalQ3 2016vs Q3 2015$5.4MM$5.2MM
Loan Loss AllowanceQ3 2016vs Q3 2015$135.00K$119.00K
Unbacked Noncurrent LoansQ3 2016vs Q3 2015$71.00K$116.00K
Real Estate OwnedQ3 2016vs Q3 2015$0$0
Rates
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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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

APYMINMAXACCOUNT NAMEVIEW 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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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 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