Credit union · NCUA insured
G.A.P. Federal Credit Union CD Rates
G.A.P. Federal Credit Union’s best CD rate is 2.75% APY on a 2-year share certificate (CD). Terms run from 6 months to 3 years. Rates checked October 16, 2026.
How G.A.P. Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Johnstown, PA, where G.A.P. Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
G.A.P. Federal Credit Union
2.75%APY
- Term
- 24 months
- Minimum
- —
- Earns on $10,000
- $558
Certificate
Top rate
Woodforest National Bank
4.25%APY
- Term
- 9 months
- Minimum
- $500
- Earns on $10,000
- $317
2nd-highest rate
S&T Bank
4.25%APY
- Term
- 36 months
- Minimum
- $500
- Earns on $10,000
- $1,330
G.A.P. Federal Credit Union CD score
66
CD score
Higher than 15% of U.S. banks and credit unions
- 3–8 months3–8 mo2.00%
- 9–15 months9–15 mo2.00%
- 16–30 months16–30 mo2.75%
- 31–60 months31–60 mo2.75%
- QualifiedQualified2.75%
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 G.A.P. Federal Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Certificate
Up to 2.75%APY · 5 terms
$500 minimum balance for all terms. Early withdrawal penalty: 1 month dividend for 6 month certificates; 3 months dividend for 12 to 36 month certificates.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months6 month certificates renew automatically unless CU is advised otherwise | 2.00% | $100 |
| 12 monthsEarly withdrawal penalty: 3 months dividend | 2.00% | $200 |
| 18 monthsEarly withdrawal penalty: 3 months dividend | 2.00% | $301 |
| 24 monthsEarly withdrawal penalty: 3 months dividend | 2.75% | $558 |
| 36 monthsEarly withdrawal penalty: 3 months dividend | 2.75% | $848 |
Sources (1)
- gapfcu.org/rates · captured Sep 17, 2026
Special-purpose accounts
IRA Certificate
3.00%APY · 3 terms
Includes Traditional IRA, Roth IRA, & Coverdell ESA. Dividends earned on daily balances of $50 or more. $500 minimum balance for all terms. Deposited to shares at maturity unless CU is advised otherwise. Penalty for early withdrawal of 12 to 36 month certificates will be the value of one quarter's (three months) dividend, if earned.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsIncludes Traditional IRA, Roth IRA, & Coverdell ESA. Deposited to shares at maturity unless CU is advised otherwise. Penalty for early withdrawal is the value of one quarter's (three months) dividend, if earned | 3.00% | $300 |
| 24 monthsIncludes Traditional IRA, Roth IRA, & Coverdell ESA. Deposited to shares at maturity unless CU is advised otherwise. Penalty for early withdrawal is the value of one quarter's (three months) dividend, if earned | 3.00% | $609 |
| 36 monthsIncludes Traditional IRA, Roth IRA, & Coverdell ESA. Deposited to shares at maturity unless CU is advised otherwise. Penalty for early withdrawal is the value of one quarter's (three months) dividend, if earned | 3.00% | $927 |
Who can join G.A.P. Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of G.A.P. FCU are eligible for membership.
Military, government and schools
- Federal retirees who live in Johnstown, PA, Cambria County, or Somerset Counties, PA are eligible for membership.
- Military personnel stationed at Altoona, PA are eligible for membership.
Family and household
- Immediate family members of employees of G.A.P. FCU are eligible for membership.
- Household members are defined as people living in the same residence as a single economic unit.
- Immediate family members are defined as spouse, child, sibling, parent, grandparent or grandchild, including stepparents, stepchildren, step siblings and adoptions.
1 more way to join
Family and household
- Spouses of persons who died while within the field of membership of G.A.P. Federal Credit Union are eligible for membership.
Membership information collected October 5, 2026.