--- title: "Franklin Johnstown Credit Union Rates: CDs to 1.50%, Mortgage 7.28%" description: "Franklin Johnstown Credit Union rates today: 30 year fixed mortgage 7.28% APR, savings & CDs up to 1.50% APY. Every rate verified daily from the official website — no pay-to-rank. See who can join Franklin Johnstown Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/pennsylvania/franklin-johnstown" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Franklin Johnstown Credit Union Rates: CDs to 1.50%, Mortgage 7.28% ### Mortgage rates 4 offers | Product | Published | Rate | Term / condition | Status | | **30-Year Fixed** 30 year fixed | 7.281% APR | 7.125% | — | Standard | | **USDA 30-Year Fixed** 30 year fixed | 7.808% APR | 7.125% | — | Standard | | **VA 30-Year Fixed** 30 year fixed | 7.943% APR | 7.500% | — | Standard | | **FHA 30-Year Fixed** 30 year fixed | 8.488% APR | 7.500% | — | Standard | Franklin Johnstown Credit Union mortgage rates as of November 12, 2026 ### Savings & CD rates 5 offers | Product | Published | Rate | Term / condition | Status | | **Share Accounts (Under 21 years of age)** share_savings | 0.10% APY | 0.10% | — | Standard | | **Regular Shares** savings | 0.10% APY | 0.10% | — | Standard | | **Vacation Club** savings | 0.25% APY | 0.25% | — | Specialty offer | | **$5.00 Minimum Deposit** savings | 0.30% APY | 0.30% | — | Standard | | **Regular and IRA Share Term Accounts (6 Months)** ira | 1.50% APY | 1.50% | 6 mo | Standard | Franklin Johnstown Credit Union savings & cd rates as of November 12, 2026 As of November 12, 2026, Franklin Johnstown Credit Union offers a 30-year fixed mortgage at 7.281% APR. Savings and certificate yields up to 1.50% APY. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/pennsylvania/franklin-johnstown) , verified from [Franklin Johnstown Credit Union's official website](https://franklinjohnstown.com/online-banking/) Best product position **Room to improve vs. the Pennsylvania median** 30-year fixed mortgage Gap to state best **75 bp** 75 bp from state best Vs. state median **6 bp behind median** 30-year fixed mortgage Products ranked **1** across tracked Pennsylvania markets | Product | Published APR | Position | Vs. state best | Vs. state median | | 30-year fixed mortgage | 7.28% | Room to improve vs. the Pennsylvania median | 75 bp from state best | 6 bp behind median | Published rate position by product as of November 13, 2026 This is the public snapshot. Claim Franklin Johnstown Credit Union's profile to see the full product-by-product breakdown, how the gap to the state best has moved over time, and the near-misses where a small change would move you up. [See the full breakdown →](https://rateapi.dev/for-credit-unions/claim?cu=franklin-johnstown&state=pennsylvania&code=PA&name=Franklin%20Johnstown%20Credit%20Union) Loading branch locator… ## About Franklin Johnstown Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 4K Assets $37.9M Founded 1950 Locations reported 2 NCUA charter 6723 Charter type Federal credit union ### Services and member support - Electronic statements - Mobile check deposit Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Ussco Johnstown** Richland · Johnstown · PA · 15904 About 1.5 miles away](https://rateapi.dev/credit-unions/pennsylvania/ussco-johnstown) [**C-B-W Schools** Credit Union Complex · Johnstown · PA · 15904-2840 About 1.9 miles away](https://rateapi.dev/credit-unions/pennsylvania/c-b-w-schools) [**G.a.p.** Richland · Johnstown · PA · 15904-2840 About 1.9 miles away](https://rateapi.dev/credit-unions/pennsylvania/gap) [**Healthcare First Credit Union** Richland Office · Johnstown · PA · 15904-2840 About 1.9 miles away](https://rateapi.dev/credit-unions/pennsylvania/healthcare-first-credit-union) [**Merho** MERHO Federal Credit Union · Johnstown · PA · 15904-2840 About 1.9 miles away](https://rateapi.dev/credit-unions/pennsylvania/merho) [**Vasco** Vital Records Center · Johnstown · PA · 15904 About 2.4 miles away](https://rateapi.dev/credit-unions/pennsylvania/vasco) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Franklin Johnstown Credit Union Membership eligibility from Franklin Johnstown Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership via employers (Allegheny Belting Inc +8 more) or the Cambria Somerset Assoc. of Realtors +2 more - Employer Allegheny Belting Inc, Allegheny Electronics Inc, America’s Tax Office, Atrium Manor, Inc., Bethlehem Steel, City of Johnstown, Galliker Dairy Company, Johnstown Housing Authority, JWF Industries - Association Cambria Somerset Assoc. of Realtors, Greater Johnstown Clergy Assoc, PA State Education Association **Cost to join:** About $25. Verified from [Franklin Johnstown Credit Union's membership page](https://franklinjohnstown.com/about-us/how-to-join/) . Final membership determination is always made by the credit union. ## Work at Franklin Johnstown Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Franklin Johnstown Credit Union ranks against Pennsylvania peers. - See which AI assistants fetched Franklin Johnstown Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Pennsylvania - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=franklin-johnstown&state=pennsylvania&code=PA&name=Franklin%20Johnstown%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Franklin Johnstown Credit Union offer? Franklin Johnstown Credit Union currently offers mortgage rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are Franklin Johnstown Credit Union rates updated? RateAPI verifies Franklin Johnstown Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get Franklin Johnstown Credit Union's rate data? Rate data is collected directly from Franklin Johnstown Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What is Franklin Johnstown Credit Union's mortgage rate? As of November 12, 2026, Franklin Johnstown Credit Union offers a 30-year fixed mortgage at 7.281% APR. ### What is Franklin Johnstown Credit Union's best CD rate? As of November 12, 2026, Franklin Johnstown Credit Union offers savings and certificate (CD) yields up to 1.50% APY. ### Who can join Franklin Johnstown Credit Union? Membership via employers (Allegheny Belting Inc +8 more) or the Cambria Somerset Assoc. of Realtors +2 more ## Related Rate Data Compare Franklin Johnstown Credit Union's rates against national credit-union benchmarks. [More Pennsylvania credit unions](https://rateapi.dev/credit-unions/pennsylvania) [Pennsylvania mortgage rate leaders](https://rateapi.dev/mortgage-rates/pennsylvania) [Mortgage rate benchmark](https://rateapi.dev/mortgage-rate-benchmark) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://franklinjohnstown.com/online-banking/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Franklin Johnstown Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Pennsylvania credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Franklin Johnstown Credit Union curl "https://api.rateapi.dev/credit-unions/pennsylvania /franklin-johnstown " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Franklin Johnstown Credit Union locations Search, filter, and browse all 2 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/pennsylvania/franklin-johnstown Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp