Deposit Rate Summary
Account Type Minimum Balance to Open Account Minimum Balance to Obtain APY Dividend Rate* Annual Percentage Yield *
Share Account $50 $200 1.30% 1.31%
Share Draft Account $0 $5,000 0.50% 0.50%
Youth Share Account $5 $20 1.30% 1.31%
Christmas Club $5 $5 2.55% 2.57%
IRA Share Account $50 $50 2.25% 2.27%

Share Certificate
3-12 Mos. $500 $500 2.80% 2.83%
13-24 Mos. $500 $500 3.25% 3.29%
25-36 Mos. $500 $500 3.35% 3.39%
37-48 Mos. $500 $500 3.50% 3.55%
49-60 Mos. $500 $500 3.80% 3.85%
Jumbo Certificate 6 months $100,000 $100,000 3.05% 3.09%
 

* 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  5.75%  1-72  100% Financing 
Used Vehicle (2004 and newer)  5.75%  1-60  NADA Value 
Used Vehicle (2003 and older)  7.99%  1-36  NADA Loan Value 
Home Equity  5.75%  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  6.25%  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   6.75%  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 Recreational Vehicle  6.75%  1 - 60  100% Financing 
Used Recreational Vehicle  6.75%  1 - 48  NADA Clean Trade In Value 
New Lawn and Garden  7.75%  1 - 60  100% Financing 
Used Lawn and Garden  7.75%  1 - 48  NADA Trade In Value 
Share (Savings) Secured  4.50%  1 -12  Share Acocunts 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 
Mortgages Now Available  Rates Vary  Terms Vary  Contact us for more information 
Better Choice Loans  18.00%  90 days  Max $500 - Alternative for payday lending 

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


Your savings federally insured to $100,000
 NCUA
National Credit Union Administration
A U.S. Government Agency

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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