Credit Cards · Johnstown, Pennsylvania
4 credit unions in Johnstown report credit card APRs to the NCUA. Rates range from 9.99% to 12.00%.
Updated Q1 2026 · NCUA Call Report data
4
CUs Reporting Rates
9.99%
Lowest Card APR
10.50%
City Average APR
4 credit unions sorted by APR
| # | Credit Union | Card APR | Personal Loan APR |
|---|---|---|---|
| 1 | MERHO ★ 4.8 · 13 reviews | 9.99% | 9.82% |
| 2 | HEALTHCARE FIRST CREDIT UNION ★ 3.4 · 5 reviews | 9.99% | 9.50% |
| 3 | FRANKLIN JOHNSTOWN ★ 3.7 · 6 reviews | 10.00% | 9.75% |
| 4 | G.A.P. ★ 4.0 · 12 reviews | 12.00% | 8.72% |
On a $3,000 balance, a 10% APR vs. 20% APR saves $300/year in interest. A credit union card in Johnstown could save you significantly more than any rewards program.
You must be a member to get a credit union credit card. Most Johnstown credit unions require just a small savings deposit — often $5 — to open membership before applying for a card.
See member reviews, branch locations, and full rate details.