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 Franklin Johnstown Federal Credit Union Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: April 18, 2026
Franklin Johnstown Federal Credit Union's Personal Loan Rates are at 9.75%. MonitorBankRates evaluates the financial stability of Franklin Johnstown Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.06%. Rates were last updated on 04/18/2026. Franklin Johnstown Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Franklin Johnstown Federal Credit Union? Share your experience about Franklin Johnstown Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Franklin Johnstown Federal Credit Union. Franklin Johnstown Federal Credit Union
Richland Office 310 Bloomfield St
https://www.franklinjohnstown.com Johnstown, PA 15904 3202 
Franklin Johnstown Federal Credit Union Savings Rates
Franklin Johnstown Federal Credit Union Home Equity & HELOC
Franklin Johnstown Federal Credit Union Auto Loan Rates
Franklin Johnstown Federal Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Franklin Johnstown Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Franklin Johnstown Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Franklin Johnstown Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Franklin Johnstown Federal Credit Union
Address
310 Bloomfield St,
Johnstown, PA 15904 3202
Phone
814-262-9117
Fax
814-262-0709
President
Michael Capriotti
CEO
Mary Summits
Full-Time Employees
13
Part-Time Employees
0
Branch Locations
2
ATM Locations
2
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
1.06%
Return on Assets (ROA)
0.6510%
Return on Equity (ROE)
4.7579%
Non-Performing Loans Ratio (NPL)
0.46%
Total Assets
36,581,461
Total Amount of Shares and Deposits
32,120,679
Total Shares and Deposits < 1 Year
31,794,270
Total Shares and Deposits 1 3 Years
326,409
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
229,615
Total Uninsured Shares and Deposits > $250K (F+J)
229,615
Total Insured Shares and Deposits > $250K (item 17 less item K)
31,891,064
Total Interest Expense (Sum of items 6 8)
31,703
Share Certificates
72
Number of Accounts for Share Drafts
2,420
IRA KEOGH Accounts
126
Number of Accounts for Regular Shares
4,676
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
2,333,288
Total Liabilities
32,140,483
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Franklin Johnstown Federal Credit UnionIs Franklin Johnstown Federal Credit Union a safe place to deposit money?Yes, Franklin Johnstown Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 1.0611170749123%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does Franklin Johnstown Federal Credit Union operate?Franklin Johnstown Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join Franklin Johnstown Federal Credit Union?Yes, to access services at Franklin Johnstown Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, Franklin Johnstown Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Franklin Johnstown Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Franklin Johnstown Federal Credit Union offer online and mobile banking?Most modern institutions like Franklin Johnstown Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.franklinjohnstown.com. Compare to Other Credit Unions
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