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Credit union · NCUA insured

G.A.P. Federal Credit Union Credit Card Rates

G.A.P. Federal Credit Union credit cards start at 12.00% APR on purchases, after any introductory rate. Rates checked October 16, 2026.

How G.A.P. Federal Credit Union’s credit card rates compare

Compared with banks and credit unions near Johnstown, PA, where G.A.P. Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.

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G.A.P. Federal Credit Union credit card score

72

Credit card score

Higher than 30% of U.S. banks and credit unions

By rate
  • Purchase APRPurchase APR12.00%

Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.

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Where G.A.P. Federal Credit Union ranks

By credit card score, in each area where it has branches

Every rate

Current credit card rates

Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.

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This may be incomplete or out of date, so check with the credit union before you apply.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.

Check membership requirements ↗Branches and institution details
← G.A.P. Federal Credit Union overview