Credit union · NCUA insured
Franklin Johnstown Federal Credit Union Savings Rates
Franklin Johnstown Federal Credit Union’s best savings rate is 0.10% APY on $10,000, with its Regular Shares. Rates checked October 16, 2026.
How Franklin Johnstown Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Johnstown, PA, where Franklin Johnstown Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Franklin Johnstown Federal Credit Union
0.10%APY
- Minimum
- $25
- Earns on $10,000 a year
- $10
Regular Shares
Top rate
Northwest Bank
4.00%APY
- Minimum
- $1
- Earns on $10,000 a year
- $400
2nd-highest rate
PRR South Fork Federal Credit Union
2.02%APY
- Minimum
- $5
- Earns on $10,000 a year
- $202
Franklin Johnstown Federal Credit Union savings score
64
Savings score
Higher than 10% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0000.10%
- $100,000 balance$100,0000.10%
- QualifiedQualified0.10%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Franklin Johnstown Federal Credit Union ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Regular Shares
0.10%APY
Pledge fee / minimum balance requirement to have an FJ account is $25.00. Dividends are paid quarterly on balance over $25.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and up0.10% APY on balance over $25. Dividends paid quarterly.$25 and up | 0.10% | $10 | 0.10% APY on balance over $25. Dividends paid quarterly. |
Sources (2)
All captured Sep 17, 2026
Special-purpose accounts
Christmas Club
0.50%APY
Can be opened any time of the year. The next year starts October 1st. Funds automatically transfer to savings account on October 1st.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceFunds transfer automatically to savings on October 1st.Any balance | 0.50% | $50 | Funds transfer automatically to savings on October 1st. |
Sources (2)
All captured Sep 17, 2026
IRA Share Accounts (Traditional, Roth and Coverdell-Educational)
0.30%APY
Traditional, Roth, and Coverdell (Educational) IRAs established as regular IRA share accounts.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balance$5.00 minimum deposit.Any balance | 0.30% | $30 | $5.00 minimum deposit. |
Sources (2)
All captured Sep 17, 2026
Vacation Club
0.25%APY
Vacations run all year (January 1st – December 31st). Deposits can be made in person, by mail, online or direct deposit.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceRuns January 1st – December 31st.Any balance | 0.25% | $25 | Runs January 1st – December 31st. |
Sources (2)
All captured Sep 17, 2026
Share Accounts (Under 21 years of age)
0.10%APY
For members under 21 years of age. Minimum balance requirement is $5.00. Dividends paid on balance over $25.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and up0.10% APY on balance over $25. Under 21 years of age.$25 and up | 0.10% | $10 | 0.10% APY on balance over $25. Under 21 years of age. |
Sources (2)
All captured Sep 17, 2026
Who can join Franklin Johnstown Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- You can join if you retired from one of the credit union's SEGs.
- You can join if you work in one of the credit union's Select Employee Groups [SEGs].
Family and household
- You can join if your immediate family member is a Franklin Johnstown member.
- You can join if you live in the same household as a member.
Cost to join
- A deposit of $25.00 is required to keep in your Share/Savings account.
- A deposit of $5.00 is required to keep in your savings account if you are under 21.
Membership information collected October 5, 2026.