Merho Credit Union Johnstown PA | Affordable Auto Loans & Quick Personal Loans

Introduction

Welcome to Merho Federal Credit Union, your trusted financial partner right here in Johnstown, PA! Established in 1972, we have proudly served our community for over 50 years. With a commitment to helping our members achieve their financial goals, our credit union has grown to support 4,683 members and manage total assets of $56,977,461. Located at 194 Donald Ln Ste 2, Johnstown, PA 15904, we're here to provide personalized banking solutions tailored to your needs. While you can visit us at this branch for all your financial services, please note that official correspondence should be sent to the same address. At Merho FCU, we pride ourselves on our dedicated team of 12 employees, led by our CEO Karen Walker and Board President Jerry Pavlosky. Together, we strive to create an environment where every member feels valued and supported. Our financial strength is evident in our robust net worth of $6,154,828 and total deposits amounting to $509,935. Whether you're looking for checking accounts, auto loans, or personal loans, we've got you covered with a variety of services designed just for you. We are also proud to offer drive-thru service for your convenience! Join us today and experience the difference of being part of a community-focused credit union. For inquiries or assistance, don't hesitate to call us at 814-266-3076. We're excited to help you on your financial journey!

Branch History & Mission

Community Commitment

We pride ourselves on being more than just a financial institution; we're your neighbors. Our partnerships with local organizations help strengthen the fabric of our community. From sponsoring events to supporting local charities, we strive to make a positive impact beyond banking. With no ATM on-site but offering drive-thru service for deposits and withdrawals, we ensure that your experience with us is as smooth as possible. Plus, our digital advancements like online banking allow you to manage your finances anytime and anywhere.

Join Us

If you're looking for a credit union that values both its members and the surrounding community, look no further than Merho Federal Credit Union. Experience firsthand how we blend tradition with modernity in serving your financial needs. Join us today and become part of a legacy built on trust and community spirit. For more information about membership eligibility or services offered, visit us online at merhofcu.org. We can't wait to welcome you into the Merho family!

Our Journey

Merho began its journey with a simple mission: to provide affordable financial services to our members while fostering a sense of community. Over the years, we have expanded our offerings significantly. Today, our total assets stand at an impressive $56,977,461, reflecting our commitment to sound financial practices and member-focused growth. As we grew, so did our services. We now offer a variety of banking options including checking and savings accounts, auto loans, mortgage loans, personal loans, and business banking services. Our dedication to evolving with the needs of our members has allowed us to stay relevant in an ever-changing financial landscape.

Our Mission

At Merho Federal Credit Union, our mission is clear: we aim to empower our members through accessible and trustworthy financial services while giving back to the community that supports us. We believe that strong communities build strong families and individuals. That's why we prioritize community outreach and partnerships that uplift those around us. Our operating hours reflect our commitment to convenience Monday through Friday from 8:00 am until 4:00 pm, and on Saturdays from 9:00 am to noon for drive-thru banking. While members can visit us at 194 Donald Ln Ste 2, official correspondence should be sent to 194 Donald Ln Ste 2, Johnstown, PA 15904-2840 if needed.

Branch Location & Accessibility

Operating Hours

We understand that your time is valuable. That's why we're open Monday through Friday from 8:00 AM until 4:00 PM, with drive-thru services available until 5:00 PM. If you need us on Saturday, our drive-thru is open from 9:00 AM to noon. This flexibility ensures that you can manage your banking needs at times that work best for you.

Services Offered

At Merho Federal Credit Union, we offer a variety of services tailored to meet your financial goals. From checking and savings accounts to auto loans and mortgages, our knowledgeable staff is here to assist you every step of the way. Need a quick transaction? Utilize our convenient drive-thru service for deposits and withdrawals without leaving your vehicle. While members can visit us at 194 Donald Ln Ste 2, official correspondence should be sent to 194 Donald Ln Ste 2, Johnstown, PA 15904-2840. If you have any questions or need assistance, feel free to call us at 814-266-3076. We invite you to stop by and see how we can help you achieve your financial dreams!

Member Eligibility

At Merho, we believe that everyone deserves a chance to be part of a caring financial community. Joining us is simple and welcoming! If you live, work, worship, or attend school in the area, you're likely eligible to become a member. We take pride in serving our community, and we want you to enjoy the benefits of our personalized services. For more detailed information on eligibility criteria, feel free to visit our website at https://www.merhofcu.org/who-can-join/. Becoming a member opens up a world of advantages like competitive rates on loans and savings accounts, as well as access to various financial services tailored just for you. The process is straightforward just give us a call at (814) 266-3076 or stop by our branch located at 194 Donald Ln Ste 2 Johnstown Pa 15904 during our operating hours. We're excited to welcome you into the Merho family!

Business Banking & Commercial Services

Business Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs. While we currently have no outstanding commercial loans, we strive to be a resource for our community. We offer flexible financing options that can help you achieve your goals. Imagine securing the funds needed to purchase new equipment or hire additional staff our business loans can make that a reality.

Merchant Services

In today's fast-paced world, having reliable merchant services is crucial for any business. Picture this: a customer walks into your store, ready to make a purchase. With our easy-to-use payment processing solutions, you can ensure a smooth transaction every time. This not only enhances customer satisfaction but also helps streamline your operations. If you're interested in learning more about how Merho can support your business journey, don't hesitate to reach out! You can find us at 194 Donald Ln Ste 2 Johnstown Pa 15904 in Johnstown, PA, or give us a call at (814) 266-3076. We're here to help your business thrive!

Comprehensive List Of Services

Business Banking Services

For our business members, we understand that managing cash flow is critical. Our business banking services include merchant services and business loans that can help your company grow and thrive. We work closely with local businesses to ensure they have the financial support needed to succeed.

Convenient Online Banking

In today's fast-paced world, accessibility is key. That's why we offer robust online and mobile banking features that let you manage your finances from anywhere at any time. With just a few clicks or taps on your smartphone, you can check balances, transfer funds, and pay bills without needing to visit our branch physically. Our system is designed for ease of use so that managing your money fits seamlessly into your busy life.

Drive-Thru Banking

If you're on the go but still need banking services, take advantage of our basic drive-thru banking options for deposits, withdrawals, and simple transactions. Our friendly staff is here to assist you during our operating hours: Monday through Friday from 8:00 AM until 4:00 PM, with drive-up service available until 5:00 PM. No matter what your financial needs may be, Merho Federal Credit Union is here to serve you with a friendly touch and a commitment to excellence. Reach out today at 814-266-3076, or visit us online at www.merhofcu.org for more information about how we can assist you on your financial journey!

Personal Banking Solutions

Our personal banking services are designed with you in mind. We offer checking and savings accounts that make it easy to keep track of your finances while earning interest on your savings. If you're considering purchasing a vehicle, our auto loans and vehicle financing options provide competitive rates to help you drive away in your dream car without breaking the bank. For those looking to buy a home, we provide mortgage loans and refinancing solutions tailored to fit your budget. Sometimes life throws us unexpected expenses. That's where our personal loans and debt consolidation services come into play, offering flexible solutions to help you regain control over your finances. And don't forget about our credit cards with rewards, which allow you to earn points on everyday purchases, making every dollar count.

Digital & Online Banking

At Merho, we understand that life can be busy, and you need banking that fits your schedule. Our digital and online banking services offer you the convenience to manage your finances anytime, anywhere, while ensuring top-notch security for your peace of mind. With our 24/7 Online Banking services available at https://www.merhofcu.org/, you can check your account balance, transfer funds, and pay bills with just a few clicks. No more rushing to the bank before closing time your money is always at your fingertips. Plus, our mobile application makes it even easier to bank on the go, so whether you're commuting or relaxing at home, you'll have full access to your accounts. We also offer E-Statements, allowing you to view your financial statements electronically. This not only helps reduce paper clutter but also makes it easy to keep track of your transactions whenever you need them. For those who value efficiency, our electronic signature authorization feature allows you to sign documents online securely, speeding up processes without compromising safety. Need to send money quickly? Our person-to-person transfers let you send cash instantly to family or friends without any hassle. And if mobile payments are more your style, while we currently do not support this feature, our robust online banking options ensure you have plenty of ways to manage your spending easily. With our commitment to user-friendly services and strong security measures in place, banking with Merho is designed to make your financial life simpler and more efficient. Experience the future of banking today!

Financial Strength

At Merho, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. Our commitment to your financial well-being is backed by solid performance metrics and strong foundations, giving you peace of mind. With a net worth of $6,154,828, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,079 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. Members' savings are secured through $9,939,996 in share certificates, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks. Our success is reflected in the $5,458,031 in undivided earnings, which allows us to reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Additionally, with $295 in used auto loans and $18,541,017 in total loans and leases, our lending capacity supports members' financial goals across various sectors. Our operational efficiency is evident in our $0, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 11 full-time employees and 1 part-time employees who are dedicated to serving you with knowledge and commitment. Net Shares (Funds available for lending and investments): $1,269,337. Total Share and Deposit Accounts: 9,737, showing a strong and growing member base that trusts us with their finances. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Merho is your trusted partner. Visit us at 194 Donald Ln Ste 2 Johnstown Pa 15904 or call (814) 266-3076 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $3,862,904 in used vehicle loans and $4,458,172 in new vehicle loans already helping members get on the road. Whether you're interested in financing a brand-new model or a reliable pre-owned vehicle, our team is here to guide you through the process.

Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $995,022 in loans helping members manage their finances effectively. Our credit cards come with competitive interest rates and rewards programs that can benefit your daily spending.

Credit Lines

For those needing extra flexibility, our total credit lines available amount to $2,000,000. This option allows you to borrow only what you need when you need it, making it easier to handle unexpected expenses without added stress.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $1,144,804, make buying or refinancing simple. We're committed to providing you with straightforward loan options and personalized support every step of the way.

Refinancing Options

If you're considering refinancing your existing loans, we have options that can potentially lower your payments and save you money over time. Our team will work closely with you to determine eligibility and find the best solution for your needs. If you're interested in any of these loan products or want to learn more about how we can assist you, please don't hesitate to reach out. You can contact us at (814) 266-3076 or visit us at our branch located at 194 Donald Ln Ste 2 Johnstown Pa 15904 in Johnstown, PA. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Let us help you take the next step toward achieving your financial dreams!

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Merho