COLUMBIA, S.C. -- You don't have to be a math professor to understand the implication of these numbers.

By some estimates, 94% of Generation Y (18 to 28 year olds) do not belong to credit unions. But Facebook, the uberpopular social utility that first took off among the college crowd, has 68 million members and growing.

So it's perhaps not surprising that Galaxy Credit Union Solutions is finding a market for MyMoney, an application that places credit unions directly on the Facebook members' home page and gives users functional access to their accounts.

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