Loan Rates

 

Loan Rates from Galaxy FCU

 

Loan Rate Summary
Loan TypeAnnual Percentage RateTerm (In months)Comments
Vehicle 2023-2024 5.75% 1-72 100% Financing/NADA Value
Vehicle 2019-2022 6.25% 1-60 NADA Value
Vehicle 2018 & Older 7.50% 1-36 NADA Loan Value
Home Equity  5.50% 1-60 80% of Appraisal 1st or 2nd Only
Home Equity 
6.00% 61 - 120 80% of Appraisal 1st or 2nd Only
Home Equity 
6.25% 121 - 180 80% of Appraisal 1st or 2nd Only
Home Equity 
6.50% 181-240 80% of Appraisal 1st or 2nd Only
Home Equity - Land Only 6.00% 1-60 65% of Appraisal 1st Only
Home Equity - Land Only 6.25% 61 - 120 65% of Appraisal 1st Only
Home Equity - Land Only 6.50% 121 - 180 65% of Appraisal 1st Only
New Motorcycle, ATV, Lawn 6.75% 1-60 100% Financing
Used Motorcycle, ATV, Lawn 7.25% 1-48 NADA Clean Trade In Value
New Boats & Motor Homes 6.75% 1-120 100% Financing
Used Boats & Motor Homes 7.25% 1 - 72 NADA Trade In Value
Personal (Unsecured) 10.50% 1 - 24  Max $10,000 per member 
Personal (Unsecured) 11.00% 25 - 60  Max $10,000 per member 
Share (Savings) Secured 4.00% 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 $5,000 per member
 
  • Other loan types available, contact the credit union for details.
  • Rates are effective as of  03/1/2024.
  • All rates are set by the Board of Directors and are subject to change

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