Merho

15 IRENE ST, Johnstown, PA 15905

NCUA Insured4.8 (13 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 1972

Contact this credit union directly for detailed information about membership eligibility and current rates.

Membership Eligibility

Anyone who lives, works, or worships in or around Johnstown, PA may be eligible to join. Community credit unions are open to the general public within their service area.

Check eligibility on their website →

Verified Information

NCUA Insured — deposits protected up to $250,000

Member-Owned — not-for-profit cooperative

1 charter

Established in 1972

Low-Income Designated

Contact this credit union directly for detailed information about membership eligibility, current rates, and services.

Services Offered

Auto LoansPersonal LoansChecking AccountsMortgagesBusiness LoansCredit Cards

Location & Directions

Address

15 IRENE ST

Johnstown, PA 15905

Google Maps 🗺Waze

(814) 535-3116

Service Area

This credit union is located in Johnstown and serves members in the PA area. Currently serving 4,779 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

4.08%

Used Auto Loan

5.60%

Personal Loan

9.80%

Credit Card APR

9.99%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in PA

Lowest rates currently reported by credit unions in PA (NCUA Q4 2025).

Fort Ligonier— New Auto Loan

Jerome, PA

3.22%

Ingersoll-Rand— Used Auto Loan

Sayre, PA

0.95%

Mckeesport Congregational— Personal Loan

Mckeesport, PA

6.00%

New Cumberland— Credit Card APR

New Cumberland, PA

6.90%

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(2 total)

Member Reviews

4.8

13 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps

Charlene Goldberg

8 years ago

I don't know what credit union Todd went to, but it was not the one located on Irene St. The staff there is always so helpful and just a great group of people. They have always gone above and beyond in their help and caring for their members. The lesson that I have learned, is too treat people the way that you would want to be treated. Maybe all people should live by that. Merho is the best

Todd Holsopple

8 years ago

The main branch is four and bleak, with a staff I've found to be unhelpful if not insulting when I'm forced to bank there rather than in Richland. As a member of this credit union for a decade, avoid this office.