Auto Loans · Johnstown, Pennsylvania
6 credit unions in Johnstown report car loan rates to the NCUA. Rates range from 4.22% to 6.50%.
Updated Q1 2026 · NCUA Call Report data
6
CUs Reporting Rates
4.22%
Lowest New Car Rate
5.19%
City Average Rate
6 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | MERHO ★ 4.8 · 13 reviews | 4.22% | 5.71% |
| 2 | FRANKLIN JOHNSTOWN ★ 3.7 · 6 reviews | 4.49% | 5.49% |
| 3 | G.A.P. ★ 4.0 · 12 reviews | 5.12% | 8.09% |
| 4 | HEALTHCARE FIRST CREDIT UNION ★ 3.4 · 5 reviews | 5.25% | 5.50% |
| 5 | JOHNSTOWN SCHOOL EMPLOYEES | 5.53% | 6.01% |
| 6 | USSCO JOHNSTOWN ★ 4.3 · 15 reviews | 6.50% | 7.00% |
6 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | FRANKLIN JOHNSTOWN ★ 3.7 · 6 reviews | 5.49% | 4.49% |
| 2 | HEALTHCARE FIRST CREDIT UNION ★ 3.4 · 5 reviews | 5.50% | 5.25% |
| 3 | MERHO ★ 4.8 · 13 reviews | 5.71% | 4.22% |
| 4 | JOHNSTOWN SCHOOL EMPLOYEES | 6.01% | 5.53% |
| 5 | USSCO JOHNSTOWN ★ 4.3 · 15 reviews | 7.00% | 6.50% |
| 6 | G.A.P. ★ 4.0 · 12 reviews | 8.09% | 5.12% |
A pre-approval from a Johnstown credit union lets you negotiate on price, not payment. The dealer can try to beat the rate — but you're in control either way.
Multiple auto loan applications within 14–45 days count as a single hard inquiry. Apply at several credit unions in Johnstown in the same window and take the best offer.
See member reviews, branch locations, and full rate details.