Credit union · NCUA insured
Healthcare First Credit Union
A $101M credit union headquartered in Johnstown, PA, with 8,047 members and 7 branches in Pennsylvania. Best rates: CDs 3.25% and savings 0.15% APY.
Healthcare First Credit Union Carrot Score
83
Carrot Score
Higher than 63% of U.S. banks and credit unions
#3 of 20 in Altoona, PA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Healthcare First Credit Union
Healthcare First Credit Union was established in 1979 for employees of Lee Hospital and is headquartered in Johnstown, Pennsylvania.
Originally Lee Hospital Credit Union, it adopted its current name in 2005 before merging in 2016 with Altoona Regional Health System Federal Credit Union.
The credit union serves more than 10,000 members across Cambria, Blair, and Somerset Counties, focusing on individuals working in the health care field.
- Headquarters
- 1152 Franklin St, Johnstown, PA 15905-4310
- NCUA charter
- 65013
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Open to any person working in the health care field in Cambria, Somerset, and Blair Counties, Pennsylvania, including employees, doctors, medical staff, technicians, volunteers under hospital staff supervision, and full-time registered students in the health care field.
Family and household
- Open to family members of eligible health care workers/members.
Cost to join
- Opening and maintaining membership requires an initial minimum Share deposit of $5.00 in a Share Account.
Branches
7 branches in Pennsylvania
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Pennsylvania
7 branches
Altoona area · 4
- Station Medical Center1414 9th Ave, Altoona, PA 16602Directions
- UPMC Altoona Hospital620 Howard Ave, Altoona, PA 16601Directions
- Altoona Main Office2786 Route 764, Duncansville, PA 16635Directions
- Martinsburg office437 Givler Dr, Martinsburg, PA 16662Directions
Johnstown area · 2
- Franklin St OfficeMain office1152 Franklin St, Johnstown, PA 15905Directions
- Richland Office194 Donald Ln, Johnstown, PA 15904Directions
Somerset area · 1
- Davidsville - Laurel View Village2000 Cambridge Dr, Davidsville, PA 15928Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 13.49% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 1.27% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.95% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $32 | $76 | — |
- CapitalNet worth ratio13.49%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late1.27%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.95%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$32Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Healthcare First Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.