Healthcare First Credit Union

Overview / Commentary
1152 Franklin St
Johnstown, PA 15905

Healthcare First Credit Union is headquartered in Johnstown and is the 90th largest credit union in the state of Pennsylvania. It is also the 1,863rd largest credit union in the nation. It was established in 1979 and as of December of 2023, it had grown to 20 employees and 8,563 members at 8 locations. Healthcare First Credit Union's CD rates are 4X the national average, and it has a B+ health rating.

Field of Membership Restrictions

Health Care First Credit Union is open to employees, medical staff, doctors, volunteers under hospital staff supervision, full-time registered students, and technicians who work in the health care field within Blair, Cambria, or Somerset counties.
See current membership details

Reviews (1)

Love my credit union

Posted by: |

Healthcare First Credit Union is amazing! The tellers at the Franklin Street office are the best, we know a little about each other. The one employee has come out on multiple occasions to play with my 3 year old while I did my business. They have the best mints ever (I know, lame, but its true!) I feel safe doing business here. The institution is very open about business and we are members, not customers. We have done multiple car loans through this office and they are so friendly. I have applied for a loan and bought the car the same day. I know you can get financing through a dealership, but you will never get the rates like this. We just bought a truck less than two weeks ago, and I just love the feeling knowing they are the lien holder - I know, weird, but something comforting about it. I have never had any miscommunication with this company. Always taken care of professionally. They are really great with keeping track of scammers and I feel safe using my debit card. They will freeze your account immediately if you lose the card, and I know this all may seem obvious, but - seriously, I just call and they know me by name, and that's it. I don't have to rattle off account numbers, or verify my life. Its wonderful having a close credit union to call me own.

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. Healthcare First Credit Union has a relatively low asset base.

Health Grade Components

NCUA #65013
Year Chartered1979
Primary Regulator
Profit Margin
Return on Assets - YTD0.73%
Return on Equity - YTD6.2%
Annual Interest Income$2.7MM
Assets and Liabilities
AssetsQ4 2023vs Q4 2022$95.6MM$103.3MM
LoansQ4 2023vs Q4 2022$35.2MM$33.1MM
DepositsQ4 2023vs Q4 2022$85.1MM$91.2MM
Equity CapitalQ4 2023vs Q4 2022$11.5MM$10.9MM
Loan Loss AllowanceQ4 2023vs Q4 2022$229K$135K
Unbacked Noncurrent LoansQ4 2023vs Q4 2022$235K$204K
Real Estate OwnedQ4 2023vs Q4 2022$0$0
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Healthcare First Credit Union Savings Account Rates

0.15%$5-Regular Share
0.15%$5-Christmas Club

Healthcare First Credit Union CD Rates

4.00%$500-1 Year CD Special
1.25%$500-4 Year Share Certificate
1.25%$500-5 Year Share Certificate
1.00%$500-2 Year Share Certificate
1.00%$500-3 Year Share Certificate
0.75%$500-1.5 Year Share Certificate
0.50%$500-1 Year Share Certificate
0.20%$500-180 Day Share Certificate

Healthcare First Credit Union IRA Rates

1.25%$250-4 Year IRA
1.25%$250-5 Year IRA
1.00%$250-2 Year IRA
1.00%$250-3 Year IRA
0.75%$250-1.5 Year IRA
0.50%$250-1 Year IRA

Healthcare First Credit Union Locations
Branch Office1152 Franklin StJohnstown, PA 15905-4310
Branch Office194 Donald LnJohnstown, PA 15904-2840
Branch Office2000 Cambridge DrDavidsville, PA 15928-9220
Branch Office437 Givler drMartinsburg, PA 16662
Branch Office1414 9th AveAltoona, PA 16602
Branch Office620 Howard AveAltoona, PA 16601
Branch Office2786 Route 764Duncansville, PA 16635
Branch Office2786 Route 764Duncansville, PA 16635

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