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Main Office

15 Irene St, Johnstown, PA 15905

(814) 535-3116 or

Toll Free 1-877-540-8121

Fax (814) 539-5090

Audio Response (814) 535-5807

Richland Branch Office

194 Donald Lane, Richland, PA

(814) 266-3076

Fax (814) 266-4021

Hours of Operation

Main Office

Lobby: 8:00 am-4:30 pm Monday-Friday

8:30 am-Noon Saturday

Drive-up Window: 7:00 am-5:00 pm Monday-Friday

8:30 am-Noon Saturday

Richland Office

Lobby: 8:00 am-4:00 pm Monday-Friday

No lobby hours Saturday

Drive-up Window: 8:00 am-5:00 pm Monday-Friday

9:00 am-Noon Saturday

ATM Locations

-Conemaugh Hospital Atrium

-Windber Medical Center

-Tech Center

-Surcharge-free Allpoint

-Surcharge-free CU Dollar



Do you have your checking account at MERHO FCU? If not, you are probably paying monthly fees and higher prices for your checks. Ask any member service rep for information on a MERHO Federal Credit Union checking account.


-Surcharge-free Allpoint Network

Direct Deposits

Have your entire net paycheck delivered directly to the Credit Union. Check with your employer today to see if they offer direct deposit.


If you need to reorder checks you can do so online, just click here.



Did you miss signing up for one of our Club accounts? It is not too late! MERHO FCU paid over 1 million dollars last year to the members of the Christmas Club alone. The Christmas Club starts in October and runs through the following September. Payments (deposits) can be made by payroll deductions or office visits. Withdrawals are not permitted within the Christmas Club year.

Vacation Clubs are set up similar to the Christmas Clubs. They begin in April and run through the following March. Deposits can be made by payroll deduction or office visits. Withdrawals are permitted during the Club year.

Kid's Clubs are for our youngest members age 10 and under. Your children earn the value of saving and also win prizes. Members can purchase Youth Share Certificates for $100.00. Stop in the office for more details.

There are multiple IRA investments offered at Merho FCU. One of the best ways to start early saving for retirement is a payroll deducted IRA savings plan. IRA rules now make it more attractive than ever to save for your future. You can open and IRA account today free of charge. IRA account rates are 1.5%

The National Credit Union Administration insures each account up to $250,000. The NCUA is a U.S. Government Agency.

Additional Accounts:


Credit Cards

Compare to your ordinary VISA card! No annual fees. Interest rate is 9.99% APR. For a limited time there is no application fee! Think about switching to MERHO VISA credit cards and leave your other ones at home! Downloadable Credit Card application


VISA Prepaid Travel Money Debit Cards

VISA prepaid travel cards make it easy to use your credit card outside of the state or even the country. These prepaid VISA’s can be reloaded with money at any time via the Internet at or at the credit union. Perfect for vacations, college students, and to give as gifts! The best part about the VISA prepaid travel card is it's FREE!

Minimum load:  $100.00    Maximum load:  $5,000.00

Daily Limits:

VISA Gift Cards

MERHO FCU offers VISA gift cards in any denomination!

Loans for any reason

Did you know MERHO FCU has mortgage loans available? We have 5, 10, and 15 year terms. We have 1st and 2nd mortgages as well as Home Equity Loans. Our total closing costs are very reasonable and your loan work is done by the mortgage loan officer and the credit union attorney. All paper work is done in the credit union office.

We can handle all your loan needs at reasonable rates. Stop by our office to fill out a loan application. If you require a co-maker, the co-maker must fill out the applicable part of the form. Or, stop by and pick up an application, complete it, sign it and fax to MERHO at (814) 539-5090. If you need to talk to a loan officer during business hours for answers to specific questions, or to check rates, call  (8l4) 535-3116 Main Office, (814) 266-3076 Richland Offce, or toll free: 1-877-540-8121. Send e-mail questions to

Other Loans we offer:

Other Services…

Webmaster LeeAnne Bartolomucci 2013

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