Credit union · NCUA insured
MERHO Federal Credit Union Credit Card Rates
MERHO Federal Credit Union credit cards start at 9.99% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How MERHO Federal Credit Union’s credit card rates compare
Compared with banks and credit unions near Johnstown, PA, where MERHO Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
MERHO Federal Credit Union
9.99%APR
MERHO VISA Credit Card
Lowest rate
Healthcare First Credit Union
9.99%APR
3rd-lowest rate
Franklin Johnstown Federal Credit Union
10.00%APR
MERHO Federal Credit Union credit card score
82
Credit card score
Higher than 58% of U.S. banks and credit unions
- Purchase APRPurchase APR9.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where MERHO 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.
MERHO VISA Credit Card
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 9.99% | None | 25-day grace period on purchases; no cash advance fees; no annual fees |
Sources (1)
- merhofcu.org/creditdebit-cards · captured Oct 7, 2026
Who can join MERHO 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This may be incomplete or out of date, so check with the credit union before you apply.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 designated partner employer and community organizations are eligible for membership.
Military, government and schools
- Staff and students of Bishop McCort High School are eligible for membership.
- Employees of Conemaugh School of Nursing are eligible for membership.
- Employees of Mt Aloysius College are eligible for membership.
Family and household
- Immediate family members of employees of qualifying sponsor groups are eligible for membership.
Membership information collected October 5, 2026.