G.a.p. Federal Credit Union

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A short history of G.a.p. FCU

Since its inception in 1937 the G.a.p. Federal Credit Union has been serving its members in the Johnstown, Pennsylvania area with exceptional financial products. You can find their current interest rates on used car loans, new car loans, 1st mortgage loans and interest rates on both fixed and adjustable mortgages here on these pages. Currently led by Diane Lopez, the G.a.p. FCU has grown its membership to over 5,207 with assets of more than $46,259,335. They have a main office and 4 branch offices. Please see the credit unions website or contact them by phone at (814) 535-4165 or email them at gap2405@atlanticbb.net to get exact details . There are many other credit unions in the local area. See them all here. Credit Unions in Johnstown, PA.

General Information For G.a.p. FCU was taken from their 6/30/2017 quarterly report, which is the most current available public information.

Charter Number 2405
Address 111 Franklin St Rm 224 
City Johnstown 
State Pennsylvania 
Zip-Code 15901
Phone Number (814) 535-4165
Fax Number (814) 535-2175
Email Address: gap2405@atlanticbb.net
CEO/President Diane Lopez
Members 5,207 
Full-Time Employees 10 
Part-Time Employees
Number of Branch Offices
Total Assets 46,259,335 
Website http://www.gapfcu.org 

Compare G.a.p. Federal Credit Union To Other Local Credit Unions

Credit Union Name
Branch Name
Zip Code
Phone Number
ATM Access
Distance (Miles)
Merho CU MERHO Federal Credit Union 15 Irene St 15905 (814) 535-3116 No 1.58
Healthcare First Credit Union CU UPMC Altoona Hospital 620 Howard Ave 16601 (814) 535-2606 No 1.80
Johnstown School Employees CU Main 738 Viewmont Ave 15905 (814) 255-6642 No 2.86
Ussco Johnstown CU Ebensburg 169 Mini Mall Rd 15931 (814) 472-0615 No 4.46
Jstc Employees CU Main Office 969 Eisenhower Blvd Ste J 15904 (814) 266-6222 No 4.93

G.a.p. Federal Credit Union Financial Performance Charts

Performance Charts

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Financial Data

G.a.p. Federal Credit Union Lowest Loan Rates With State and USA Rankings

Unsecured Credit Card New Car Loans Used Car Loans 1st Mortgage Loans Other Real Estate
Rate 12.00 2.67 5.68 4.44 6.48
Mean Rate For All USA Based Credit Unions 10.56 3.72 5.00 4.48 4.95
Rank Among All USA Credit Unions 411 105 407 199 388
Rank Among All Pennsylvania Credit Unions 67 35 133 63 112

G.a.p. Federal Credit Union Highest Deposit Rates With State and USA Rankings

Checking Regular Savings Money Market Certificates of Deposits IRA/KEOGH
Rate N/A 0.10 0.30 0.40 0.40
Mean Rate For All USA Based Credit Unions 0.19 0.26 0.29 0.73 0.66
Rank Among All USA Credit Unions N/A 129 97 284 243
Rank Among All Pennsylvania Credit Unions N/A 37 15 77 50
G.a.p. Federal Credit Union Loans and Leases

Interest Rate Number of Loans Amount
Unsecured Credit Card Loans 12.0001,3382,388,576
All Other Unsecured Loans/Lines of Credit 12.9805963,248,631
Short-Term, Small Amount Loans (STS) (Federal CU Only) 18.0004416,699
Non-Federally Guaranteed Student Loans 6.25042718,728
New Vehicle Loans 2.6703465,620,065
Used Vehicle Loans 5.6801431,418,594
Total 1st Mortgage Real Estate Loans/Lines of Credit 4.440983,525,189
Total Other Real Estate Loans/Lines of Credit 6.48029594,368
Leases Receivable 0.00000
Total All Other Loans/Lines of Credit 4.0303672,021,322
TOTAL LOANS & LEASES 3,00319,552,172

G.a.p. Federal Credit Union Real Estate Loans and Lines of Credit


No. of Loans Outstanding Amt of Loans Outstanding No. of Loans Granted Year- to-Date Amount Granted Year-To-Date
Fixed Rate
    a. > 15 years 0000
    b. 15 Years or less 953,498,6924132,200
    a. > 15 years 0000
    b. 15 Years or less 0000
Other Fixed Rate 0000
Adjustable Rate 1 yr or less 326,49700
Adjustable Rate > 1 yr 0000


Closed-End Fixed Rate 13300,29600
Closed-End Adjustable Rate 0000
Open-End Adjustable Rate 12135,3141500
Open-End Fixed Rate 4158,75800
TOTALS 1274,119,5575132,700


Interest Only & Payment Option 1st Mortgage Loans 000
Interest Only & Payment Option Other RE/LOC Loans 000
    a. Federally Insured Home Equity Conversion Mortgage (HECM) 0000
    b. Proprietary Reverse Mortgage Products 0000

G.a.p. Federal Credit Union Member Offerings
First Time Homebuyer Program No
Real Estate Loans Yes
Pay Day Lending Yes
Share Secured Credit Cards Yes
Overdraft Protection/Courtesy Pay No
Overdraft Lines of Credit Yes
ATM/Debit Card Program Yes
Interest Only and Payment Option 1st Mortgage Loans No
Check Cashing Yes
Money Orders No
No Surcharge ATMs No
Home Banking Via Internet Website Yes