What are the current interest rates at Franklin Johnstown Federal Credit Union?

Current rates for Franklin Johnstown Federal Credit Union include: 12-Month CD: 1.40%, 18-Month CD: 1.30%, 24-Month CD: 1.30%

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Franklin Johnstown Federal Credit Union

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Franklin Johnstown Federal Credit Union Rates & Review October 2026

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 12, 2026

Franklin Johnstown Federal Credit Union's top rates as of October 12, 2026 are 1.50% APY on its Regular and IRA Share Term Accounts - 6 month, personal loans from 9.75% APR, and credit cards from 10.00% APR, according to rates verified by MonitorBankRates. Other Franklin Johnstown Federal Credit Union CD rates include Regular and IRA Share Term Accounts - 12 month at 1.40%, Regular and IRA Share Term Accounts - 18 month at 1.30%, and Regular and IRA Share Term Accounts - 24 month at 1.30%. 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 0.89%. Rates last updated and verified on 10/12/2026.

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.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.89%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Franklin Johnstown Federal Credit Union
Richland Office

310 Bloomfield St
Johnstown, PA 15904-3202

https://www.franklinjohnstown.com

Customer Reviews

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Franklin Johnstown Federal Credit Union CD Rates

Product	Rate	APY	Term
Regular and IRA Share Term Accounts - 6 month	-	1.50%	6 Months
Min Balance $1,000 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 1.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.89%
Regular and IRA Share Term Accounts - 12 month	-	1.40%	12 Months
Min Balance $1,000 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 1.40% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.89%
Regular and IRA Share Term Accounts - 18 month	-	1.30%	18 Months
Min Balance $1,000 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 1.30% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.89%
Regular and IRA Share Term Accounts - 24 month	-	1.30%	24 Months
Min Balance $1,000 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 1.30% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.89%
Regular and IRA Share Term Accounts - 36 month	-	1.30%	36 Months
Min Balance $5,000 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 1.30% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.89%
Share Accounts (Under 21 years of age)	-	0.10%
Min Balance $5 Details 0.10% on balance over $25 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.89%

Franklin Johnstown Federal Credit Union Savings Rates

Product	Rate	APY
Club Accounts - Christmas Club	-	0.50%
No additional details. Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 0.50% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.89%
Club Accounts - Vacation Club	-	0.25%
No additional details. Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 0.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.89%

Franklin Johnstown Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Loans - 5 Year	-	-	5.25%	5 Year
Details 80% of appraised value; $15,000 minimum; Member pays all costs; Fixed rates (not based on credit score); Up to 5 years; $200 application fee; approximate closing costs $500; No more than 15% over APOR Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 5.25% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.89%
Home Equity Loans - 15 Year	-	-	6.00%	15 Year
Details 80% of appraised value; $15,000 minimum; Member pays all costs; Fixed rates (not based on credit score); $200 application fee; approximate closing costs $500; No more than 15% over APOR Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 6.00% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.89%

Franklin Johnstown Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR
Vehicle Loans - New 2026 & 2025 (Includes motorcycles)	-	-	4.49%
Details As Low As; Starting at; Year: New 2026 & 2025 (Includes motorcycles); Payment basis: 60 months Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 4.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.89%
Vehicle Loans - Used 2024-2020 (Includes motorcycles)	-	-	5.49%
Details As Low As; Starting at; Year: Used 2024-2020 (Includes motorcycles); Payment basis: 60 months Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 5.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.89%
Vehicle Loans - Older Used Autos 2019-2015	-	-	8.49%
Details As Low As; Starting at; Year: Older Used Autos 2019-2015; Payment basis: 60 months Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 8.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.89%

Franklin Johnstown Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term	View More
Vehicle Loans - Recreational Vehicles	-	7.75%
Details As Low As; Starting at; Payment basis: 60 months Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 7.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.89%

Franklin Johnstown Federal Credit Union Credit Card Rates

Product	Rate	APR	View More
VISA Card	-	10.00%
Details Regular APR: 10.00%; Balance Transfers: 10.00%; Cash Advances: 13.50%; Introductory Rate: 0% APR for 6 months (Rate increases to 15% APR if account goes 3/30 or 1/60) Last Updated 10/12/2026 Rate History 1 change since Oct 4, 2026 · 15.00% → 10.00% ▼ 5.00 pts · high 15.00% / low 10.00% Oct 12, 202610.00%▼ from 15.00% Oct 4, 202615.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.89%

Franklin Johnstown Federal Credit Union Personal Loan Rates

Product	APR	Term
Signature / Personal Loans	9.75%	60 months
Details As Low As; Credit Grade: A (680+) Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 9.75% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.89%
Signature / Personal Loans	10.75%	60 months
Details As Low As; Credit Grade: B (640-679) Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 10.75% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.89%
Signature / Personal Loans	11.90%	60 months
Details As Low As; Credit Grade: C (600-639) Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 11.90% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.89%
Signature / Personal Loans	14.90%	48 months
Details As Low As; Credit Grade: D (550-599) Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 14.90% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.89%
Signature / Personal Loans	18.00%	48 months
Details As Low As; Credit Grade: E (-549) Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 18.00% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.89%

Franklin Johnstown Federal Credit Union Other Rates

Product	Rate	Points	APY/APR
Regular Shares	-	-	0.10%
Min Balance $25 Details 0.10% on balance over $25 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.89%
Traditional IRA Share Accounts	-	-	0.30%
Min Deposit $5 Details Rates effective January 1, 2024; IRA Share Accounts (Traditional, Roth and Coverdell-Educational) Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 0.30% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.89%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Franklin Johnstown Federal Credit Union’s Texas Ratio stayed near 0.77% in Q3 2023 to 0.89% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$37M	0.89%	5.0	A+
March 31, 2026	$38M	0.51%	5.0	A+
December 31, 2025	$36M	0.30%	5.0	A+
September 30, 2025	$37M	1.02%	5.0	A+
June 30, 2025	$37M	0.71%	5.0	A+
March 31, 2025	$37M	0.88%	5.0	A+
December 31, 2024	$36M	0.76%	5.0	A+
September 30, 2024	$36M	0.52%	5.0	A+
June 30, 2024	$37M	1.07%	5.0	A+
March 31, 2024	$37M	0.58%	5.0	A+
December 31, 2023	$36M	1.10%	5.0	A+
September 30, 2023	$37M	0.77%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates 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

Website https://www.franklinjohnstown.com

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (100/100)

Texas Ratio

0.89%

Return on Assets (ROA)

0.1485%

Return on Equity (ROE)

1.0833%

Non-Performing Loans Ratio (NPL)

0.42%

Total Assets

37,317,687

Total Amount of Shares and Deposits

32,810,387

Total Shares and Deposits < 1 Year

32,583,982

Total Shares and Deposits 1 3 Years

226,405

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

295,352

Total Uninsured Shares and Deposits > $250K (F+J)

295,352

Total Insured Shares and Deposits > $250K (item 17 less item K)

32,515,035

Total Interest Expense (Sum of items 6 8)

21,121

Share Certificates

Number of Accounts for Share Drafts

2,379

IRA KEOGH Accounts

122

Number of Accounts for Regular Shares

4,582

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

4,835,285

Total Liabilities

32,822,679

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Franklin Johnstown Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Frequently Asked Questions About Franklin Johnstown Federal Credit Union

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.

Current Franklin Johnstown Federal Credit Union Rates

12-Month CD1.40%
18-Month CD1.30%
24-Month CD1.30%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Franklin Johnstown Federal Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Franklin Johnstown Federal Credit Union Texas Ratio

Franklin Johnstown Federal Credit Union Health Trend

Franklin Johnstown Federal Credit Union CD Rates

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 RV, Boat and Powersport Loan Rates

Franklin Johnstown Federal Credit Union Credit Card Rates

Franklin Johnstown Federal Credit Union Personal Loan Rates

Franklin Johnstown Federal Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Franklin Johnstown Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Franklin Johnstown Federal Credit Union

How many branches does Franklin Johnstown Federal Credit Union operate?

Is a member application needed to join Franklin Johnstown Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Franklin Johnstown Federal Credit Union offer online and mobile banking?

Current Franklin Johnstown Federal Credit Union Rates

Compare to Other Credit Unions