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MERHO Federal Credit Union serves the following membership base: Employees and immediate family members of the following groups:

  • Atlantic Broadband – Johnstown
  • Bishop McCort High School- Staff and Students
  • Cambria Residential Services
  • Cardiology Associates of Johnstown
  • Chan Soon-Shiong Medical Center at Windber
  • Chan Soon-Shiong Institute of Molecular Medicine at Windber
  • Conemaugh Health System, Duke Lifepoint Healthcare
  • Conemaugh Physicians Group
  • 1889 Foundation
  • Laurelwood Care Center
  • Laurel Highlands On & Off Road Bicycling Assoc (LHORBA)
  • Meyersdale Medical Center
  • Mt Aloysius College
  • Senior Life Johnstown
  • Valley Pike Manor Inc.
  • Westmont Woods
  • Problem Solutions

MERHO is conveniently located at:

15 Irene Street
Johnstown, PA 15905
Monday – Friday
(Lobby) 8:00-4:30
(Drive-up) 7:00-5:00
(Lobby) 8:30-12:00
(Drive-up) 8:30-12:00


194 Donald Lane
Suite 2
Johnstown, PA  15904
Monday – Friday
(Lobby) 8:00-4:00
(Drive-up) 8:00-5:00
(Drive-up only)

With ATM locations at:

  • The Atrium at Memorial Medical Center, 1086 Franklin Street, Johnstown, PA 15905
  • Just off the main lobby, next to the pharmacy at Chan Soon-Shiong Medical Center at Windber, 600 Somerset Avenue, Windber, PA  15963
  • First floor, main lobby, Conemaugh Medical Park, One Tech Park Drive, Johnstown, PA  15901

24 Hour Phone Service

You can call the office 24 hours a day to make transfers from savings to checking, check your balances, and request a check be sent to you.

AUDIO Response Number:


Share – Savings Accounts

  • Everyday savings
  • Rainy Day savings
  • Christmas Club
  • Vacation Club
  • Education Club

Share Draft – Checking Accounts

  • No minimum balance
  • No monthly Service Charges
  • 1st box of checks is free
  • Six no-charge automatic transfers for overdraft protection from your savings per month

Share Certificates (CD’s)

Our certificates are paying a competitive rate of return with a minimum deposit of $500.00 and terms are 6, 12 or 36 months.


Traditional, Roth, and Coverdell Education


Auto:  New/Used
          Back to school
          Holiday Expense
Mobile Home
Home Equity
Revolving Line of Credit

Debit and Credit Cards

VISA Debit Card –  Access your checking account 24/7 with our debt card.   It can be used at ATM’s or to make purchases instead of writing a check.

VISA Credit Card –  Annual percentage rate is 9.99%, 25 day grace period on purchases if you pay your balance in full.  No annual fee. Best of all – CASH BACK REWARDS!

Re-Loadable Visa/Travel Cards (CU Money)
Minimum $100.00    –    Maximum $5000.00