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Johnstown: 814-535-4165 | Richland: 814-266-8446 | Altoona: 814-946-0726 | New Stanton: 724-925-1324


While services from a credit union may appear nearly the same as a bank, the structure and philosophy is quite different.

Credit unions are not-for-profit financial cooperatives owned by the very people they serve. Credit unions exist solely to serve their members, not enrich outside stockholders. They are overseen by a board of directors, who are volunteers elected by the members.

Credit unions considered “not for profit” because operating income is returned to depositors in the form of higher savings rates and lower loan rates and fees.

Each credit union has a defined field of membership. Individuals share a “common bond” with other members of the credit union. Examples are employees of a company, members of an association or church, or residents of a defined geographic community. Some credit unions serve more than one group, with each group sharing a common bond

Cambria County U.S. Employees Federal Credit Union was founded in 1936 and operated out of a cash box on the first floor of the Post Office in the building where our main office is now located at 111 Franklin St in Johnstown and renamed Johnstown, PA Post Office Employees Federal Credit Union in approximately 1941.

After expanding our field of membership and moving twice more to our current main location, the vote was taken once again to change our name to G.A.P. Federal Credit Union (Government and Postal) and was official on July 29, 1996. Since that time we have added three (3) branch offices to conveniently service our expanding membership.

Our knowledgeable member service representatives continue to make our members financial transactions as easy and convenient as possible –and help them achieve their financial goals by making wiser decisions about their money in order to build a strong foundation for their financial futures.

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