G.A.P. Federal Credit Union

Popular Accounts at this Credit Union

APY	ACCOUNT TYPE	HOW THEY COMPARE
0.40%	1-year CD	1.30% - National Average
0.10%	Savings	2.10% - American Express National Bank High Yield Savings Account
0.75%	3-year CD	1.82% - National Average

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 115^th largest credit union in the state of Pennsylvania. It is also the 2,326^th largest credit union in the nation. It was established in 1937 and as of September of 2018, it had grown to 14 employees and 6,038 members at 5 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 Q3 2018

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	14
Primary Regulator

Profit Margin
Return on Assets - YTD	0.69%
Return on Equity - YTD	5.66%
Annual Interest Income	$1.1MM

Assets and Liabilities
Assets	Q3 2018vs Q3 2017	$49.8MM$45.2MM
Loans	Q3 2018vs Q3 2017	$20.6MM$19.5MM
Deposits	Q3 2018vs Q3 2017	$43.8MM$39.5MM
Equity Capital	Q3 2018vs Q3 2017	$5.8MM$5.5MM
Loan Loss Allowance	Q3 2018vs Q3 2017	$246.00K$215.00K
Unbacked Noncurrent Loans	Q3 2018vs Q3 2017	$340.00K$259.00K
Real Estate Owned	Q3 2018vs Q3 2017	$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
0.10%	$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
0.35%^*	$100k^*	-	Money Market Shares Account
OTHER TIERS: 0.25% → $1k - $10k \| 0.30% → $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
Branch Office	111 S Center Ave Ste 2	New Stanton, PA 15672-9807

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