Deposit Rate Summary

Account Type Minimum Balance to Open Account Minimum Balance to Obtain APY Dividend Rate* Annual Percentage Yield *
Share Account $50 $200 0.25% 0.25%
Share Draft Account $0 $5,000 0.05% 0.05%
Youth Share Account $5 $20 0.25% 0.25%
Christmas Club $5 $5 0.25% 0.25%
IRA Share Account $50 $50 0.55% 0.55%

Share Certificate

3 - 12 Mos. $500 $500 0.30% 0.30%
13 - 24 Mos. $500 $500 0.45% 0.45%
25 - 36 Mos. $500 $500 0.60% 0.60%
37 - 48 Mos $500 $500 0.70% 0.70%
49 - 60 Mos. $500 $500 1.00% 1.00%
 

* 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.

Mortgage Center

 

 

 

 


To apply for a loan online click here.

Loan Rate Summary

Loan Type Annual Percentage Rate Term (In months) Comments
New Vehicle  2.95%  1-72  100% Financing 
Used Vehicle (2009+)  3.99%  1-60  NADA Value 
Used Vehicle (2008 -)  5.99%  1-36  NADA Loan Value 
Home Equity  3.49%  1-60  80% of Appraisal 1st or 2nd Only 
Home Equity   3.74%  61 - 120  80% of Appraisal 1st or 2nd Only 
Home Equity  3.99%  121 - 180  80% of Appraisal 1st or 2nd Only 
Home Equity - Land Only  5.49%  1-60  65% of Appraisal 1st Only 
Home Equity - Land Only  5.74%  61 - 120   65% of Appraisal 1st Only 
Home Equity - Land Only  5.99%  121 - 180  65% of Appraisal 1st Only 
New Motorcycle, ATV, Lawn  4.49%  1-60  100% Financing 
Used Motorcycle, ATV, Lawn  4.99%  1-48  NADA Clean Trade In Value 
New Boats & Motor Homes  4.49%  1-120  100% Financing 
Used Boats & Motor Homes  4.99%  1 - 72  NADA Trade In Value 
Personal (Unsecured)  9.00%  1 - 24   
Personal (Unsecured)  10.00%  25 - 60    
Share (Savings) Secured  2.50%  1-12  Share Accounts Only 
Certificate Secured  CD Rate + 2%  1-60  Loan and CD Terms Must Match 
Line of Credit/Overdraft Protection  15.00%  1-24  Maximum $2,000 per member 

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


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Galaxy Federal Credit Union
1313 Liberty Street
Franklin, PA 16323
(814) 432-1207
Toll-Free: (866) 835-2125
FAX: (814) 437-3134

 
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