--- title: "Galaxy Credit Union Rates (Nov 2026): HELOC 6.25%" description: "Galaxy Credit Union rates today: HELOC from 6.25% APR. Every rate verified daily from the official website — no pay-to-rank. See who can join Galaxy Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/pennsylvania/galaxy" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Galaxy Credit Union Rates (Nov 2026): HELOC 6.25% ### Auto & vehicle rates 4 offers | Product | Published | Rate | Term / condition | Status | | **New Boats & Motor Homes** boat_new | — APR | 6.000% | new | Standard | | **New Motorcycle, ATV, Lawn** motorcycle_new | — APR | 6.000% | new | Standard | | **Used Motorcycle, ATV, Lawn** motorcycle_used | — APR | 6.500% | used | Standard | | **Used Boats & Motor Homes** boat_used | — APR | 6.500% | used | Standard | Galaxy Credit Union auto & vehicle rates as of November 13, 2026 ### HELOC rates 2 offers | Product | Published | Rate | Term / condition | Status | | **Home Equity Loan** heloc | — APR | 5.500% | — | Standard | | **Home Equity - Land Only** heloc | 6.250% APR | 6.250% | — | Standard | Galaxy Credit Union heloc rates as of November 13, 2026 ### Personal loan rates 3 offers | Product | Published | Rate | Term / condition | Status | | **Share (Savings) Secured** personal_secured | — APR | 4.000% | — | Standard | | **Unsecured Personal Loan** personal_unsecured | — APR | 4.000% | — | Standard | | **Line of Credit/Overdraft Protection** ploc_variable | — APR | 15.000% | — | Standard | Galaxy Credit Union personal loan rates as of November 13, 2026 HELOC rates from 6.25% APR. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/pennsylvania/galaxy) , verified from [Galaxy Credit Union's official website](https://www.galaxyfcu.com/) Best product position **Room to improve vs. the Pennsylvania median** HELOC Gap to state best **175 bp** 175 bp from state best Vs. state median **22 bp behind median** HELOC Products ranked **1** across tracked Pennsylvania markets | Product | Published APR | Position | Vs. state best | Vs. state median | | HELOC | 6.25% | Room to improve vs. the Pennsylvania median | 175 bp from state best | 22 bp behind median | Published rate position by product as of November 13, 2026 This is the public snapshot. Claim Galaxy Credit Union's profile to see the full product-by-product breakdown, how the gap to the state best has moved over time, and the near-misses where a small change would move you up. [See the full breakdown →](https://rateapi.dev/for-credit-unions/claim?cu=galaxy&state=pennsylvania&code=PA&name=Galaxy%20Credit%20Union) Loading branch locator… ## About Galaxy Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 4.6K Assets $73.1M Founded 1940 Locations reported 1 NCUA charter 4116 Charter type Federal credit union ### Services and member support - Online membership application - Online loan application - Electronic statements - Mobile check deposit - Financial counseling - Payday Alternative Loans I Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Pennstar** Galaxy Federal Credit Union · Franklin · PA · 16323 About 1.3 miles away](https://rateapi.dev/credit-unions/pennsylvania/pennstar) [**New Directions Community** New Directions Community Credit Union · Franklin · PA · 16323 About 1.8 miles away](https://rateapi.dev/credit-unions/pennsylvania/new-directions-community) [**Top Tier** Top Tier Federal Credit Union Cranberry Branch · Cranberry · PA · 16319 About 7.4 miles away](https://rateapi.dev/credit-unions/pennsylvania/top-tier) [**The One** The ONE FCU - Cochranton · Cochranton · PA · 16314-9706 About 13.8 miles away](https://rateapi.dev/credit-unions/pennsylvania/the-one) [**Community Connect** CU Office · Titusville · PA · 16354-7826 About 16.8 miles away](https://rateapi.dev/credit-unions/pennsylvania/community-connect) [**Priority First** Knox Office · Knox · PA · 16232 About 20.3 miles away](https://rateapi.dev/credit-unions/pennsylvania/priority-first) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Galaxy Credit Union Membership eligibility from Galaxy Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Galaxy Credit Union's website. Check the membership page below to confirm whether you qualify. - Location venango — PA Verified from [Galaxy Credit Union's membership page](https://www.galaxyfcu.com/) . Final membership determination is always made by the credit union. ## Membership rules for Galaxy Credit Union Geography 1 county · Family 6 published paths to membership, last verified August 27, 2026, quoted from Galaxy Credit Union’s own published criteria. ### Geography 1 Auto-verified against the source page from the credit union’s published criteria and NCUA charter records · last verified August 27, 2026 - Venango County, PA “NCUA call report 2026-03-31: TOM_CODE=00 (community charter); branch footprint: Venango County, PA” > [source ↗](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) ### Family 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Family of someone eligible immediate family “Membership in our Credit Union is open to anyone who lives, works, worships, attends school, or volunteers in Venango County and their immediate family.” > [source ↗](https://www.galaxyfcu.com/) - Family member (immediate family) of an eligible person Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Galaxy Credit Union? Yes No ## Work at Galaxy Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Galaxy Credit Union ranks against Pennsylvania peers. - See which AI assistants fetched Galaxy Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Pennsylvania - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=galaxy&state=pennsylvania&code=PA&name=Galaxy%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Galaxy Credit Union offer? Galaxy Credit Union currently offers vehicle loan, HELOC, and personal loan rates. The rates shown on this page were last verified November 13, 2026 directly from the credit union's official website. ### How often are Galaxy Credit Union rates updated? RateAPI verifies Galaxy Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 13, 2026. ### Where does RateAPI get Galaxy Credit Union's rate data? Rate data is collected directly from Galaxy Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What is Galaxy Credit Union's HELOC rate? As of November 13, 2026, Galaxy Credit Union offers home equity lines of credit from 6.25% APR. ### Who can join Galaxy Credit Union? Galaxy Credit Union publishes its membership criteria on its own website. RateAPI tracks 6 published membership paths covering 1 county for Galaxy Credit Union, each quoted from Galaxy Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Galaxy Credit Union's rates against national credit-union benchmarks. [More Pennsylvania credit unions](https://rateapi.dev/credit-unions/pennsylvania) [Pennsylvania auto loan rate leaders](https://rateapi.dev/auto-loan-rates/pennsylvania) [Pennsylvania HELOC rate leaders](https://rateapi.dev/heloc-rates/pennsylvania) [Pennsylvania personal loan leaders](https://rateapi.dev/personal-loan-rates/pennsylvania) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.galaxyfcu.com/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Galaxy Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Pennsylvania credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Galaxy Credit Union curl "https://api.rateapi.dev/credit-unions/pennsylvania /galaxy " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Galaxy Credit Union locations Search, filter, and browse all 1 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/pennsylvania/galaxy Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp