Credit union · NCUA insured
G.A.P. Federal Credit Union Savings Rates
G.A.P. Federal Credit Union’s best savings rate is 0.70% APY on $10,000, with its Money Market Shares. Rates checked October 16, 2026.
How G.A.P. Federal Credit Union’s savings 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
0.70%APY
- Minimum
- —
- Earns on $10,000 a year
- $70
Money Market 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
G.A.P. Federal Credit Union savings score
82
Savings score
Higher than 58% of U.S. banks and credit unions
- $1,000 balance$1,0000.50%
- $10,000 balance$10,0000.70%
- $100,000 balance$100,0000.80%
- QualifiedQualified0.70%
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 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.
Money Market Shares
0.70%APY
The dividend rate and annual percentage yield may change every dividend period as determined by the credit union board of directors.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $1,000 – $10,000 | 0.50% | — |
| $10,000 – $100,000 | 0.70% | $70 |
| $100,000 and up | 0.80% | — |
Sources (1)
- gapfcu.org/rates · captured Sep 17, 2026
Regular Shares
0.50%APY
Required to open first to become a member of the credit union. A minimum balance of $5.00 is required.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50 and upDividends earned on daily balances of $50 or more. Dividend rate and APY may change every dividend period as determined by the credit union board of directors.$50 and up | 0.50% | $50 | Dividends earned on daily balances of $50 or more. Dividend rate and APY may change every dividend period as determined by the credit union board of directors. |
Special-purpose accounts
IRA Shares
3.25%APY
Available for Traditional and Roth IRAs.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividend rate and APY may change every dividend period as determined by the board of directors.Any balance | 3.25% | $325 | Dividend rate and APY may change every dividend period as determined by the board of directors. |
Christmas Club Accounts
0.60%APY
Fund transfers are done each year the third week in October by mail, hold for pickup, or transfer to account.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividend rate and APY may change every dividend period as determined by the board of directors.Any balance | 0.60% | $60 | Dividend rate and APY may change every dividend period as determined by the board of directors. |
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.