· Share Accounts (Savings) - Members who join the credit union can open their first share (savings) account with a minimum deposit of $25.00 or $5.00 for ages 21 and under. Dividends are paid on a quarterly basis for amounts $25.00 and over.


· Share Draft Accounts (Checking) - These accounts have a no minimum balance requirement, there are no monthly fees associated either.  Statements are mailed on a monthly basis or online statements are available.


· Term Certificates - There are various lengths of time for our share certificate accounts ranging from 6 months to 36 months.  Dividends can be posted directly to the share certificate, withdrawn on a monthly basis or transferred to your regular share account.


· Individual Retirement Accounts (IRA) - We offer Traditional, Roth and Coverdell (Educational) IRA’s.  These accounts can be established as a regular IRA share account or as an IRA Share Certificate account.


· IRA Share Certificates


· Christmas Clubs - The 2012 Club account started October 1, 2011.  You can still open a Christmas Club anytime throughout the year. Deposits can be made in person, by mail or by direct deposit.  Funds in the account will transfer to your share draft account on October 1, 2012.


· Vacation Clubs - Club accounts run from January 1st through December 31st.  Two withdrawals per calendar year are permitted without penalty. Deposits can be made in person, by mail, online or by direct deposit.


· VISA (Debit) Check, Credit, Gift Cards and Prepaid Debit Cards,



· Auto & Motorcycle Loans

· Personal Loans

· Share Secured Loans

· Home Equity Loans

· Mortgage Loans

· Recreational Vehicles

· Visa Credit Cards



· 24-Hour ATMs (both offices)

· Night Deposit (both offices)

· Voice Response Unit

· Online Banking

· Money Orders

· Visa Debit Cards

· Notary service

· Payroll deduction

· Auto Transfer

· Direct Deposit

· Visa Gift Cards

· Wire Transfer

· Bill Pay

· Prepaid Visa Debit Card

Franklin Johnstown Federal Credit Union

“Member Helping Member”

Products and Services

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How To Join

Holiday Closings

What's New

Fee Schedule

Products and


VISA Information


Loan Insurance Programs

Scams/Phishing Alerts

      Identity Theft

    Youth Page

    Contact Us

   MEMBERS Financial        Network

ATM Overdraft Opt-In

Rates and Disclosures

310 Bloomfield St               544 Vine Street

Johnstown, PA 15904        Johnstown, PA 15901

814-262-9117                       814-539-5697

Federally insured by the NCUA