What are the current interest rates at USSCO JOHNSTOWN?

Current rates for USSCO JOHNSTOWN include: 12-Month CD: 1.76%, 18-Month CD: 2.02%, 24-Month CD: 2.52%, 60-Month CD: 2.78%, Savings: 0.20%, MMA: 0.20%

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USSCO JOHNSTOWN

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USSCO JOHNSTOWN Rates & Review September 2026

Q: How many branches does USSCO JOHNSTOWN operate?

USSCO JOHNSTOWN currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is a member application needed to join USSCO JOHNSTOWN?

Yes, to access services at USSCO JOHNSTOWN, 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.

Q: Is there a first-time homebuyer program?

Currently, USSCO JOHNSTOWN 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, USSCO JOHNSTOWN 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: September 22, 2026

USSCO JOHNSTOWN's 36-month CD rates are at 2.78%, 48-month CD rates are at 2.78%, 60-month CD rates are at 2.78%, Roth IRA CD - 36-month rates are at 2.78%, Roth IRA CD - 48-month rates are at 2.78%. USSCO JOHNSTOWN's savings rates are at 0.20%. USSCO JOHNSTOWN's money market rates are at 0.20%. USSCO JOHNSTOWN's Personal Loan Rates are as low as 9.75%. MonitorBankRates evaluates the financial stability of USSCO JOHNSTOWN with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.66%. Rates last updated and verified on 09/22/2026.

USSCO JOHNSTOWN 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 USSCO JOHNSTOWN? Share your experience about USSCO JOHNSTOWN by leaving a review below, or read customer reviews before you decide to use USSCO JOHNSTOWN.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

1.66%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

USSCO JOHNSTOWN
Richland

532 Oakridge Dr
Johnstown, PA 15904

http://www.usscofcu.org

USSCO JOHNSTOWN CD Rates

Product	Rate	APY	Term
36-month Certificate	-	2.78%	36-month
Min Deposit $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.66%
48-month Certificate	-	2.78%	48-month
Min Deposit $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.66%
60-month Certificate	-	2.78%	60-month
Min Deposit $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.66%
Roth IRA Certificate - 36-month	-	2.78%	36-month
Min Deposit $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.66%
Roth IRA Certificate - 48-month	-	2.78%	48-month
Min Deposit $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.66%
Roth IRA Certificate - 60-month	-	2.78%	60-month
Min Deposit $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.66%
Super Saver Certificate - 12-month	-	2.78%	12-Months
Min Deposit $1,000 Details Allows for deposits of $500 or more during term. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.66%
Traditional IRA Certificate - 36-month	-	2.78%	36-month
Min Deposit $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.66%
Traditional IRA Certificate - 48-month	-	2.78%	48-month
Min Deposit $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.66%
Traditional IRA Certificate - 60-month	-	2.78%	60-month
Min Deposit $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.66%
24-month Certificate	-	2.52%	24-month
Min Deposit $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.66%
Roth IRA Certificate - 24-month	-	2.52%	24-month
Min Deposit $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.66%
Traditional IRA Certificate - 24-month	-	2.52%	24-month
Min Deposit $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.66%
18-month Certificate	-	2.02%	18-month
Min Deposit $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.66%
Roth IRA Certificate - 18-month	-	2.02%	18-month
Min Deposit $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.66%
Traditional IRA Certificate - 18-month	-	2.02%	18-month
Min Deposit $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.66%
12-month Certificate	-	1.76%	12-month
Min Deposit $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.66%
6-month Certificate	-	1.00%	6-month
Min Deposit $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.66%

USSCO JOHNSTOWN Savings Rates

Product	Rate	APY
Junior Savings	-	2.75%
Details Balance: $0-$1,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.66%
IRA Savings	-	0.25%
Min Balance $100 Details Balance: $100 & Over Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.66%
Christmas Club	-	0.20%
Min Balance $250 Details Balance: $250 & Over Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.66%
Junior Savings	-	0.20%
Details Balance: $1,001 & Over Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.66%
Savings	-	0.20%
Min Deposit $5 Min Balance $250 Details Balance: $250-$4,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.66%
Savings	-	0.20%
Min Deposit $5 Min Balance $5,000 Details Balance: $5,000 & Over Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.66%
Vacation Club	-	0.20%
Min Balance $250 Details Balance: $250 & Over Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.66%

USSCO JOHNSTOWN Money Market Rates

Product	Rate	APY
Money Market	-	0.30%
Min Balance $2,500 Details Balance: $100,000 & Over Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.66%
Money Market	-	0.25%
Min Balance $2,500 Details Balance: $25,000-$99,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.66%
Money Market	-	0.20%
Min Balance $2,500 Details Balance: $2,500-$24,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.66%

USSCO JOHNSTOWN Checking Rates

Product	Rate	APY
Business Checking	-	0.30%
Min Balance $100,000 Details Balance: $100,000 & Over Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.66%
Business Checking	-	0.25%
Min Balance $25,000 Details Balance: $25,000-$99,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.66%
Business Checking	-	0.20%
Min Balance $5,000 Details Balance: $5,000-$24,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.66%
Checking	-	0.20%
Min Balance $250 Details Balance: $250-$4,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.66%
Checking	-	0.20%
Min Balance $5,000 Details Balance: $5,000 & Over Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.66%

USSCO JOHNSTOWN Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity 20 Years Fixed Rate	-	-	6.00%	20 Years
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.66%
Home Equity Lines of Credit	-	-	6.75%
Details Rate adjusts twice a year. APR is based on the highest Prime Rate published in The Wall Street Journal as of most recent index available as of May 1st for the July 1st annual percentage rate adjustment and November 1st for the January 1st annual percentage rate adjustment. The current Prime Rate, as of May 1, 2026 is 6.75%. The APR is variable and may change at any time. The 6.75% APR is a variable APR, which is Prime Rate plus 0.00% margin added. Maximum APR is 15.00% [ceiling]. Rates are subject to change without notice. ** APR = Annual Percentage Rate Hazard insurance required. APR is subject to change without notice. Offer may be modified or withdrawn at any time without prior notice. Appraisal cost is estimated at $500. Consult your tax advisor regarding the deductibility of interest. These products offered are not deposits and are not federally insured. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.66%

USSCO JOHNSTOWN Auto Loan Rates

Product	Rate	Points	APR	Term
New Vehicles Loan	-	-	6.25%	Up to 60 months
Details As Low As Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.66%
New Vehicles Loan	-	-	6.50%	61 - 72 months
Details As Low As Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.66%
Used Vehicles 2023 - 2025 Loan	-	-	6.50%	Up to 60 months
Details As Low As Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.66%
Used Vehicles 2020 - 2022 Loan	-	-	7.00%	Up to 60 months
Details As Low As Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.66%
Used Vehicles 2023 - 2025 Loan	-	-	7.00%	Over 60 months
Details As Low As Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.66%
Vehicle Loans	-	-	7.50%	73 - 84 months
Details As Low As Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.66%
Used Vehicles 2017 - 2019 Loan	-	-	7.75%	Up to 48 months
Details As Low As Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.66%

USSCO JOHNSTOWN RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Boats, RVs, Campers, ATVs, Motorcycles - 2023 - 2026 Loan	-	7.00%	Up to 72 months
Details As Low As; Minimum Loan Amount $50,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.66%
Boats, RVs, Campers, ATVs, Motorcycles - 2023 - 2026 Loan	-	7.50%	73 to 120 months
Details As Low As; Minimum Loan Amount $50,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.66%

USSCO JOHNSTOWN Personal Loan Rates

Product	APR	Term	View More
Signature Loan	9.75%
Details Rates based on credit worthiness; Maximum term 60 months; As Low As Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.66%

USSCO JOHNSTOWN Other Rates

Product	Rate	Points	APY/APR	Term
Coverdell IRA Certificate - 18-month	-	-	2.02%	18-month
Min Deposit $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.66%
Coverdell IRA Certificate - 24-month	-	-	2.52%	24-month
Min Deposit $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.66%
Coverdell IRA Certificate - 36-month	-	-	2.78%	36-month
Min Deposit $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.66%
Coverdell IRA Certificate - 48-month	-	-	2.78%	48-month
Min Deposit $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.66%
Coverdell IRA Certificate - 60-month	-	-	2.78%	60-month
Min Deposit $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.66%
Cub Account	-	-	2.75%
Details Balance: $0-$1,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.66%
Cub Account	-	-	0.20%
Details Balance: $1,001 & Over Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.66%

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

USSCO JOHNSTOWN’s Texas Ratio rose from 0.93% in Q2 2023 to 1.66% in Q1 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
March 31, 2026	$173M	1.66%	5.0	A+
December 31, 2025	$167M	0.96%	5.0	A+
September 30, 2025	$168M	1.08%	5.0	A+
June 30, 2025	$169M	0.80%	5.0	A+
March 31, 2025	$169M	0.47%	5.0	A+
December 31, 2024	$164M	0.92%	5.0	A+
September 30, 2024	$166M	0.95%	5.0	A+
June 30, 2024	$166M	0.43%	5.0	A+
March 31, 2024	$166M	0.35%	5.0	A+
December 31, 2023	$160M	0.67%	5.0	A+
September 30, 2023	$161M	0.34%	5.0	A+
June 30, 2023	$165M	0.93%	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 USSCO JOHNSTOWN 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 USSCO JOHNSTOWN 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 USSCO JOHNSTOWN's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name USSCO JOHNSTOWN

Website http://www.usscofcu.org

Address 532 Oakridge Dr, Johnstown, PA 15904

Phone 814-266-4987

Fax 814-266-1575

President Scott Morris

CEO Gregory Sisitki

Full-Time Employees 29

Part-Time Employees 4

Branch Locations 4

ATM Locations 4

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

1.66%

Return on Assets (ROA)

0.1297%

Return on Equity (ROE)

1.0494%

Non-Performing Loans Ratio (NPL)

0.45%

Total Assets

172,704,524

Total Amount of Shares and Deposits

156,665,484

Total Shares and Deposits < 1 Year

152,370,706

Total Shares and Deposits 1 3 Years

3,356,419

Total Shares and Deposits > 3 Years

938,358

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

3,972,496

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

3,972,496

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

152,692,988

Total Interest Expense (Sum of items 6 8)

250,112

Share Certificates

1,097

Number of Accounts for Share Drafts

8,521

IRA KEOGH Accounts

611

Number of Accounts for Regular Shares

18,772

Money Market Shares

222

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)

10,495,169

Total Liabilities

157,292,242

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

USSCO JOHNSTOWN earned the Verified Healthy badge

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

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

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Frequently Asked Questions About USSCO JOHNSTOWN

How many branches does USSCO JOHNSTOWN operate?

USSCO JOHNSTOWN 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 USSCO JOHNSTOWN?

Yes, to access services at USSCO JOHNSTOWN, 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, USSCO JOHNSTOWN 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, USSCO JOHNSTOWN provides members with tools to manage their accounts and build a solid financial history.

Does USSCO JOHNSTOWN offer online and mobile banking?

Most modern institutions like USSCO JOHNSTOWN 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: http://www.usscofcu.org.