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 2.00% 2.02%
IRA Share Account $50 $50 2.25% 2.27%

Share Certificate

3-12 Mos. $500 $500 1.76% 1.77%
13-24 Mos. $500 $500 2.10% 2.12%
25-36 Mos. $500 $500 2.35% 2.37%
37-48 Mos. $500 $500 2.50% 2.52%
49-60 Mos. $500 $500 3.05% 3.08%
Jumbo Certificate 6 months $100,000 $100,000 2.00% 2.02%
 

* 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 (2005 and newer)  5.75%  1-60  NADA Value 
Used Vehicle (2004 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  5.75%  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   5.75%  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 Motorcycle, ATV, Lawn & Garden  6.75%  1 - 60  100% Financing 
Used Motorcycle, ATV, Lawn & Garden  6.75%  1 - 48  NADA Clean Trade In Value 
New Motor Home & Boat  7.75%  1 - 120  100% Financing 
Used Motor Home & Boat  7.75%  1 - 72  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 
Better Choice Loans  18.00%  90 Days  Max $500 - Alternative for payday loans 

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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