Credit Cards · Johnstown, Pennsylvania

Best Credit Union Credit Card Rates in 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

CUs Reporting Rates

9.99%

Lowest Card APR

10.50%

City Average APR

Credit Card APRs — Johnstown, Pennsylvania

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%

Rates from NCUA Call Report (5300) filings, updated Q1 2026. Actual rate depends on creditworthiness. ~65% of credit unions report credit card rates.

Lower APR Beats Rewards If You Carry a Balance

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.

Join First, Then Apply

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.

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Browse All Credit Unions in Johnstown

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