Galaxy Federal Credit Union
Headquarters
1313 Liberty St
Franklin, PA 16323
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2025 Overview
General Credit Union Information
Galaxy is an NCUA insured institution located in Franklin, PA. It was founded in 1940 and has approximately $63.72 millions in assets.
| NCUA Insured | Yes / Federally Chartered |
| Charter Number # | # 4116 |
| Date Established | 1940 |
| Assets | $63.72 million |
| Loans | $30.90 million |
| Deposits | $51.91 million |
| Capital | $11.78 million |
Field of Membership Restrictions
Membership is open to those who live, work, worship, attend school or volunteer in Venango County.
Deposit Rates - March 28, 2025
Your Current Location: Pennsylvania, PA 10007
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| Savings
|
0.30% | $2,500 | $4,999 |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
0.40% | $10,000 | $14,999 |
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|
| 6 Mo CD
|
0.40% | $100,000 | $199,999 |
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|
| 12 Mo CD
|
0.40% | $10,000 | $14,999 |
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|
| 12 Mo CD
|
0.40% | $100,000 | $199,999 |
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|
| 18 Mo CD
|
0.45% | $10,000 | $14,999 |
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|
| 18 Mo CD
|
0.45% | $100,000 | $199,999 |
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|
| 24 Mo CD
|
0.45% | $10,000 | $14,999 |
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|
| 24 Mo CD
|
0.45% | $100,000 | $199,999 |
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|
| 30 Mo CD
|
0.50% | $10,000 | $14,999 |
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|
| 30 Mo CD
|
0.50% | $100,000 | $199,999 |
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|
| 36 Mo CD
|
0.50% | $10,000 | $14,999 |
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|
| 36 Mo CD
|
0.50% | $100,000 | $199,999 |
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|
| 48 Mo CD
|
0.55% | $10,000 | $14,999 |
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|
| 48 Mo CD
|
0.55% | $100,000 | $199,999 |
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|
| 60 Mo CD
|
0.55% | $10,000 | $14,999 |
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|
| 60 Mo CD
|
0.55% | $100,000 | $199,999 |
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|
Loan Rates - March 28, 2025
Your Current Location: Pennsylvania, PA 10007
There are currently no loan rates available for Galaxy
Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:
Featured - Pennsylvania 30 Year Fixed Mortgage Rates 2025
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
Learn More |
|---|---|---|---|---|---|---|
NMLS ID: 401822 |
6.644% | 6.500% | 0.88 | $4,795 | $2,023 | Learn More |
NMLS ID: 3030 |
7.350% | 7.250% | 1.00 | $3,200 | $2,183 | Learn More |
NMLS ID: 1907 |
Learn More | |||||
NMLS ID: 401822 |
Learn More |
Featured - Pennsylvania Home Equity Line Of Credit Rates 2025
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Third Federal Savings and Loan See Table |
Intro APR 6.990 % After Intro: 6.990 % |
$0 |
Learn More
More Info |
Figure Home Equity See Table |
Intro APR 7.250 % After Intro: 7.250 % |
$15,000 |
Learn More
More Info |
Reliant Home Funding, Inc See Table |
Intro APR 7.250 % After Intro: 7.250 % |
$15,000 |
Learn More
More Info |
Note to Galaxy
To upload and update your bank's rates please register.
It is free to register and add rates.
Branches
Below are Galaxy branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.
Your Location:
Altoona,Pennsylvania
Galaxy Locations around zip code 10007
| Branch | Distance | Map | View Lobby Hours |
|---|---|---|---|
| 96.82 | A | View Lobby Hours | |
| 96.87 | B | View Lobby Hours |
Climate Policy and Initiatives
GALAXY is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
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Financial Details
Galaxy Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of Galaxy. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.
Texas Ratio
| Galaxy | U.S. Average |
|---|---|
| 0.90% | 5.69 |
The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.
As of September 30, 2024, Galaxy had $106,341 in non-current loans and $2 in owned assets. To cover these potential losses it had $11,783,418 in net worth and $59,150 in loans loss reserves. That gives it a Texas Ratio of 0.90%.
Net Worth
| Galaxy | U.S. Average |
|---|---|
| 18.47% | 14.16% |
Galaxy FCU has a net worth of 18.47% versus the BestCashCow average of 14.16. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
Customer Reviews for Galaxy
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