Personal Loans · Johnstown, Pennsylvania
6 credit unions in Johnstown report personal loan rates to the NCUA. Rates range from 8.72% to 10.60%.
Updated Q1 2026 · NCUA Call Report data
6
CUs Reporting Rates
8.72%
Lowest Rate
9.73%
City Average Rate
6 credit unions sorted by APR
| # | Credit Union | Personal Loan APR | Credit Card APR |
|---|---|---|---|
| 1 | G.A.P. ★ 4.0 · 12 reviews | 8.72% | 12.00% |
| 2 | HEALTHCARE FIRST CREDIT UNION ★ 3.4 · 5 reviews | 9.50% | 9.99% |
| 3 | FRANKLIN JOHNSTOWN ★ 3.7 · 6 reviews | 9.75% | 10.00% |
| 4 | MERHO ★ 4.8 · 13 reviews | 9.82% | 9.99% |
| 5 | USSCO JOHNSTOWN ★ 4.3 · 15 reviews | 10.00% | — |
| 6 | JOHNSTOWN SCHOOL EMPLOYEES | 10.60% | — |
If you have high-rate credit card balances, a personal loan from a Johnstown credit union can consolidate them into one lower-rate payment and save hundreds in interest.
Many credit unions offer loans secured by your own savings at very low rates — a common tool for building or rebuilding credit history.
See member reviews, branch locations, and full rate details.