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 118th largest credit union in the state of Pennsylvania. It is also the 2,435th largest credit union in the nation. It was established in 1937 and as of September of 2017, it had grown to 11 employees and 5,289 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 - YTD0.31%
Return on Equity - YTD2.53%
Annual Interest Income$989.00K
Assets and Liabilities
AssetsQ3 2017vs Q3 2016$45.2MM$43.4MM
LoansQ3 2017vs Q3 2016$19.5MM$19.8MM
DepositsQ3 2017vs Q3 2016$39.5MM$37.9MM
Equity CapitalQ3 2017vs Q3 2016$5.5MM$5.4MM
Loan Loss AllowanceQ3 2017vs Q3 2016$215.00K$135.00K
Unbacked Noncurrent LoansQ3 2017vs Q3 2016$259.00K$71.00K
Real Estate OwnedQ3 2017vs Q3 2016$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