Merho Federal Credit Union

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A short history of Merho FCU

Since its inception in 1972 the Merho 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 Karen Walker, the Merho FCU has grown its membership to over 5,347 with assets of more than $47,805,673. They have a main office and 2 branch offices. Please see the credit unions website or contact them by phone at (814) 535-3116 or email them at 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 Merho FCU was taken from their 6/30/2017 quarterly report, which is the most current available public information.

Charter Number 20921
Address 15 IRENE ST 
State Pennsylvania 
Zip-Code 15905
Phone Number (814) 535-3116
Fax Number (814) 539-5090
Email Address:
CEO/President Karen Walker
Members 5,347 
Full-Time Employees
Part-Time Employees
Number of Branch Offices
Total Assets 47,805,673 

Compare Merho Federal Credit Union To Other Local Credit Unions

Credit Union Name
Branch Name
Zip Code
Phone Number
ATM Access
Distance (Miles)
Johnstown School Employees CU Main 738 Viewmont Ave 15905 (814) 255-6642 No 1.98
Healthcare First Credit Union CU UPMC Altoona Hospital 620 Howard Ave 16601 (814) 535-2606 No 3.03
G.a.p. CU Downtown 111 Franklin St Rm 224 15901 (814) 535-4165 No 4.01
Jstc Employees CU Main Office 969 Eisenhower Blvd Ste J 15904 (814) 266-6222 No 6.20
Franklin Johnstown CU Richland Office 310 Bloomfield St 15904 (814) 262-9117 No 7.06

Merho Federal Credit Union Financial Performance Charts

Performance Charts

Website Image

Financial Data

Merho 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 9.99 2.50 4.43 4.48 3.99
Mean Rate For All USA Based Credit Unions 10.56 3.72 5.00 4.48 4.95
Rank Among All USA Credit Unions 253 84 255 203 99
Rank Among All Pennsylvania Credit Unions 41 27 81 67 34

Merho 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 N/A 0.58 1.50
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 N/A 245 94
Rank Among All Pennsylvania Credit Unions N/A 37 N/A 65 11
Merho Federal Credit Union Loans and Leases

Interest Rate Number of Loans Amount
Unsecured Credit Card Loans 9.9901,1111,237,991
All Other Unsecured Loans/Lines of Credit 9.0805331,975,798
Short-Term, Small Amount Loans (STS) (Federal CU Only) 0.00000
Non-Federally Guaranteed Student Loans 0.00000
New Vehicle Loans 2.5001011,935,490
Used Vehicle Loans 4.4302442,367,935
Total 1st Mortgage Real Estate Loans/Lines of Credit 4.480772,081,378
Total Other Real Estate Loans/Lines of Credit 3.9901424,728,577
Leases Receivable 0.00000
Total All Other Loans/Lines of Credit 3.0005442,090,483
TOTAL LOANS & LEASES 2,75216,417,652

Merho 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 772,081,37800
    a. > 15 years 0000
    b. 15 Years or less 0000
Other Fixed Rate 0000
Adjustable Rate 1 yr or less 0000
Adjustable Rate > 1 yr 0000


Closed-End Fixed Rate 8175,89400
Closed-End Adjustable Rate 0000
Open-End Adjustable Rate 1344,552,68362710,693
Open-End Fixed Rate 0000
TOTALS 2196,809,95562710,693


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

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