Deposit Rate Summary
Account Type Minimum Balance to Open Account Minimum Balance to Obtain APY Dividend Rate* Annual Percentage Yield *
Share Account $50 $200 0.50% 0.50%
Share Draft Account $0 $5,000 0.25% 0.25%
Youth Share Account $5 $20 0.50% 0.50%
Christmas Club (max $5,000) $5 $5 0.70% 0.70%
IRA Share Account $50 $50 0.85% 0.85%

Share Certificate
3-12 Mos. $500 $500 0.60% 0.60%
13-24 Mos. $500 $500 0.80% 0.80%
25-36 Mos. $500 $500 1.25% 1.26%
37-48 Mos. $500 $500 1.60% 1.61%
49-60 Mos. $500 $500 2.05% 2.06%
Jumbo Certificate 6 months $100,000 $100,000 0.85% 0.85%
 

* The Annual Percentage Yield (APY) assumes that dividends are added to principal and remain on deposit. Withdrawal of dividends will reduce earnings.

Special Notes:
- Rates are subject to change. Current dividend rates will be quoted upon request.
- Dividends will be calculated daily and will be credited quarterly on March 31, June 30, September 30, and December 31.
- Dividends are calculated by the daily balance method which applies a daily periodic rate to the principal in your account each day, and begin to accrue on the business day you deposit to your account.

 

 

 

 

To apply for a loan online click here.

Loan Rate Summary
Loan Type Annual Percentage Rate Term (In months) Comments
New Vehicle  3.49%  1-72  100% Financing 
Used Vehicle (2008 and newer)  3.99%  1-60  NADA Value 
Used Vehicle (2007 and older)  5.99%  1-36  NADA Loan Value 
Home Equity  4.25%  1-60  80% of Appraisal, 1st or 2nd Lien Position Only 
Home Equity - Land Only  8.25%  1-60  65% of Appraisal, 1st Lien Position Only 
Home Equity  4.49%  61-120  80% of Appraisal, 1st or 2nd Lien Position Only 
Home Equity - Land Only  8.75%  61 - 120  65% of Appraisal, 1st Lien Position Only 
Home Equity   4.99%  121 - 180  80% of Appraisal, 1st or 2nd Lien Position Only 
Home Equity - Land Only  9.25%  121 - 180  65% of Appraisal, 1st Lien Position Only 
Home Equity  8.25%  1 - 60  90% of Appraisal, 1st Lien Position Only 
Home Equity  8.75%  61 - 120  90% of Appraisal, 1st Lien Position Only 
Unsecured, Personal  9.0%  1 - 24  Maximum $10,000 per member* 
Unsecured, Personal  10.0%  25 - 60  Maximum $10,000 per member* 
New Motorcycle, ATV, Lawn & Garden  4.49%  1 - 60  100% Financing 
Used Motorcycle, ATV, Lawn & Garden  4.99%  1 - 48  NADA Clean Trade In Value 
New Motor Home & Boat  4.49%  1 - 120  100% Financing 
Used Motor Home & Boat  4.99%  1 - 72  NADA Trade In Value 
Share (Savings) Secured  4.00%  1 -12  Share Accounts Only 
Certificate Secured  Rate + 2%  1 - 60  Loan and CD Terms Must Match 
Line of Credit/Overdraft Protection  15.00%  1 - 24  Maximum $2,000 per member 
Better Choice Loans  18.00%  90 Days  Max $500 - Alternative for payday loans 
* Some limits apply. Ask for details.        

Other loan types available, contact the credit union for details.
All rates are set by the Board of Directors and are subject to change


Lost/Stolen Purse, Wallet and/or Checkbook?
Click here for help...

Galaxy Federal Credit Union
 1313 Liberty Street
Franklin, PA 16323
(814) 432-1207
Toll-Free: (866) 835-2125
FAX: (814) 437-3134
 
Send Email
 (Use email for general information requests only. Please, no money transfer request via email.)
 
 Business Hours and Holiday Observances

 Celebrate the Credit Union Difference

Home | Services | Membership | Home Banking | Check ReOrdering | No Charge ATM's | Bill Payer | Calculator | Contact Galaxy | Location | Rates 

 

Privacy Notice for Credit Union Members

Copyright © 2000-2009
Galaxy Federal Credit Union
All Rights Reserved