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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 MERHO Federal Credit Union Rates & Review September 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 and Verified: September 21, 2026
MERHO Federal Credit Union's 12 month CD rates are at 4.06%. MERHO Federal Credit Union's Personal Loan Rates are as low as 9.50%. MonitorBankRates evaluates the financial stability of MERHO Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.64%. Rates last updated and verified on 09/21/2026. MERHO 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 MERHO Federal Credit Union? Share your experience about MERHO Federal Credit Union by leaving a review below, or read customer reviews before you decide to use MERHO Federal Credit Union. MERHO Federal Credit Union
MERHO Federal Credit Union 15 Irene St
https://www.merhofcu.org Johnstown, PA 15905-4124 
MERHO Federal Credit Union CD Rates
MERHO Federal Credit Union Home Equity & HELOC
MERHO Federal Credit Union Auto Loan Rates
MERHO Federal Credit Union RV, Boat and Powersport Loan Rates
MERHO Federal Credit Union Personal Loan Rates
MERHO Federal Credit Union Other Rates
Financial Health HistoryMERHO Federal Credit Union’s Texas Ratio stayed near 0.78% in Q2 2023 to 0.64% 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
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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
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for MERHO 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 MERHO 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 MERHO Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
MERHO Federal Credit Union
Website
https://www.merhofcu.org
Address
15 Irene St,
Johnstown, PA 15905-4124
Phone
814-535-3116
Fax
814-539-5090
President
Jerry Pavlosky
CEO
Tammie Griffith
Full-Time Employees
8
Part-Time Employees
4
Branch Locations
2
ATM Locations
0
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (100/100)
Texas Ratio
0.64%
Return on Assets (ROA)
0.3204%
Return on Equity (ROE)
2.9093%
Non-Performing Loans Ratio (NPL)
0.28%
Total Assets
61,054,207
Total Amount of Shares and Deposits
54,684,110
Total Shares and Deposits < 1 Year
54,681,206
Total Shares and Deposits 1 3 Years
2,902
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
2,110,601
Total Uninsured Shares and Deposits > $250K (F+J)
2,110,601
Total Insured Shares and Deposits > $250K (item 17 less item K)
52,573,509
Total Interest Expense (Sum of items 6 8)
108,794
Share Certificates
559
Number of Accounts for Share Drafts
3,126
IRA KEOGH Accounts
248
Number of Accounts for Regular Shares
4,743
All other shares
765
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)
950,144
Total Liabilities
54,795,258
Source: NCUA — Last Updated 03/31/2026
Customer Reviews
There are no reviews for MERHO Federal Credit Union yet. Feel free to create one below.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for MERHO Federal Credit Union
Frequently Asked Questions About MERHO Federal Credit UnionHow many branches does MERHO Federal Credit Union operate?MERHO 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 MERHO Federal Credit Union?Yes, to access services at MERHO 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, MERHO 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, MERHO Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does MERHO Federal Credit Union offer online and mobile banking?Most modern institutions like MERHO 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.merhofcu.org. Current MERHO Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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