What are the current interest rates at FreeStar Financial Credit Union?

Current rates for FreeStar Financial Credit Union include: 12-Month CD: 3.50%, 18-Month CD: 4.25%, 24-Month CD: 3.75%, 60-Month CD: 3.25%, Savings: 0.15%

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Survey Results We asked readers after the Fed’s Sept. 16 hike: 50% of savers say their bank still has not raised their rate since the Fed funds rate increase. See the full results

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FreeStar Financial Credit Union

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FreeStar Financial Credit Union Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, FreeStar Financial Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 9, 2026

FreeStar Financial Credit Union's top rates as of October 9, 2026 are 5.25% APY on its 18-Month Special - Military CD, 0.15% APY on savings, 5.50% on its 3 Year ARM mortgage, rv, boat and powersport loans from 5.74% APR, and credit cards from 8.50% APR, according to rates verified by MonitorBankRates. Other FreeStar Financial Credit Union CD rates include 18-Month Special CD of Deposit at 4.25%, 6 month Six Month CD of Deposit at 4.00%, and 2 years Two Year CD of Deposit at 3.75%. Other FreeStar Financial Credit Union mortgage rates include 10 Year Fixed Rate at 5.62%, 5 Year ARM at 5.75%, and 15 Year Fixed Rate at 6.00%. MonitorBankRates evaluates the financial stability of FreeStar Financial Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 7.11%. Rates last updated and verified on 10/09/2026.

FreeStar Financial Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at FreeStar Financial Credit Union? Share your experience about FreeStar Financial Credit Union by leaving a review below, or read customer reviews before you decide to use FreeStar Financial Credit Union.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 96/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

7.11%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

FreeStar Financial Credit Union
Clinton Township

37570 S Gratiot Ave
Clinton Township, MI 48036

https://www.freestarfinancial.com

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

FreeStar Financial Credit Union CD Rates

Product	Rate	APY	Term
18-Month Special - Military	5.13%	5.25%	18-Month
Min Deposit $500 Min Balance $500 Details Qualified Military Members receive a 1% rate increase on all CDs, excluding iSave. Eligible members include Active Duty, Veterans, and Retirees. To qualify, military members must establish a full direct deposit in their name into their checking account. Any direct deposits less than $2,000 will not be eligible for the rate increase. Offer is subject to qualification and can change without notice. Military Status Verification: Verification of military status is required. Acceptable proof includes Military ID, Retirement ID, or DD214 (Certificate of Release or Discharge from Active Duty). Terms and conditions apply. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 5.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.11%
18-Month Special Certificate of Deposit	4.169%	4.25%	18-Month
Min Deposit $500 Details 18-Month Special: At maturity, the CD will be renewed into a 24-month CD. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.11%
6 month Six Month Certificate of Deposit	3.928%	4.00%	6 months
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.11%
2 years Two Year Certificate of Deposit	3.687%	3.75%	2 years
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.11%
1 Year iSave Youth Certificate of Deposit	3.445%	3.50%	1 Year
Min Deposit $25 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.11%
1 Year Save to Win Certificate of Deposit	3.445%	3.50%	1 year
Min Deposit $25 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.11%
1 year One Year Certificate of Deposit	3.445%	3.50%	1 year
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.11%
5 years Five Year Certificate of Deposit	3.203%	3.25%	5 years
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.11%
4 years Four Year Certificate of Deposit	3.203%	3.25%	4 years
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.11%
3 years Three Year Certificate of Deposit	3.203%	3.25%	3 years
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.11%

FreeStar Financial Credit Union Savings Rates

Product	Rate	APY
Christmas Club	0.15%	0.15%
Details Dividend Rate only applies to balances over $100. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.11%
Regular Share Savings	0.15%	0.15%
Min Balance $10 Details Dividend Rate only applies to balances over $100. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.11%
Special Savings	0.15%	0.15%
Min Balance $0 Details Qualifications Required: 15 or more debit card purchases; enrolled in eStatements; at least one electronic transaction processed through the checking account (incoming, such as direct deposit, or outgoing, such as paying a bill); Dividend Rate only applies to balances over $100. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.11%
Vacation Club	0.15%	0.15%
Min Balance $0 Details Dividend Rate only applies to balances over $100. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.11%

FreeStar Financial Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
3 Year ARM	-	-	5.50%	3 Year
Details As Low As Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 5.00% → 5.50% ▲ 0.50 pts · high 5.50% / low 5.00% Sep 29, 20265.50%▲ from 5.00% Sep 14, 20265.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.11%
10 Year Fixed Rate	-	-	5.625%	10 Year
Details NMLS ID 411386 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 5.63% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.11%
5 Year ARM	-	-	5.75%	5 Year
Details As Low As Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 5.25% → 5.75% ▲ 0.50 pts · high 5.75% / low 5.25% Sep 29, 20265.75%▲ from 5.25% Sep 14, 20265.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.11%
15 Year Fixed Rate	-	-	6.00%	15 Year
Details NMLS ID 411386 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.00% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.11%
7 Year ARM	-	-	6.00%	7 Year
Details As Low As Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 5.50% → 6.00% ▲ 0.50 pts · high 6.00% / low 5.50% Sep 29, 20266.00%▲ from 5.50% Sep 14, 20265.50%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.11%
20 Year Fixed Rate	-	-	6.375%	20 Year
Details NMLS ID 411386 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.38% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.11%
30 Year Fixed Rate	-	-	6.75%	30 Year
Details NMLS ID 411386 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.75% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.11%

FreeStar Financial Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term	View More
Home Equity Line of Credit	-	-	7.00%	180 months
Details Adjusts every 5 years; Rate is "as low as" and may change based on credit history, loan to value, and other determining factors. The Home Equity Line of Credit (HELOC) is a variable rate loan. Variable rates are tied to market index (or prime rate). The maximum APR that can apply is 18%. HELOC rates will be fixed for the first 5 years and will adjust every 5 years thereafter. A $75 annual fee may apply and a termination fee of $250 may be applied if the loan is closed within 36 months. Credit is subject to approval; not all applicants will qualify. Payment example: A HELOC with a balance of $100,000 would have an estimated payment of $719 per month at 7.00% rate over 180 months. All Credit Union loan programs, rates, terms and conditions are subject to change at any time without notice. Equal housing lender. NMLS ID 411386. *** Only applies on 2nd lien HELOCs when FreeStar Financial is in 1st lien position. Otherwise, 80% is the maximum. Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 7.00% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.11%

FreeStar Financial Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New or Used Vehicle, 2022 and Newer Loan	-	-	3.74%	Up to 36 Months
Details As Low As; The "as low as" rate of 4.74% APR includes a 0.25% rate discount for Payment Protection coverage OR active checking with a full payroll direct deposit of $2,000 or more per month. Payment example: A fully protected loan of $20,000 at 4.74% APR would have a monthly payment of $597.12 for 36 months. Loan terms can be extended for Payment Protection. Some restrictions apply. See lender for details. Rate is subject to change at any time without notice. Equal Opportunity Lender. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.11%
New or Used Vehicle, 2022 and Newer Loan	-	-	4.24%	Up to 72 Months
Details Term: Up to 72 Months > $15k; Military APR**; The "as low as" rate of 4.74% APR includes a 0.25% rate discount for Payment Protection coverage OR active checking with a full payroll direct deposit of $2,000 or more per month. Payment example: A fully protected loan of $20,000 at 4.74% APR would have a monthly payment of $597.12 for 36 months. Loan terms can be extended for Payment Protection. Some restrictions apply. See lender for details. Rate is subject to change at any time without notice. Equal Opportunity Lender. Eligibility for a 1% rate discount on certain loan products, excluding Mortgages, Holiday Loans, Business Loans, Courtesy Pay loans, Loyalty Lines of Credit, Military Line of Credit, and promotional loan rate offers. This offer is available to Active Duty, Veterans, and Retirees. To qualify, military members must establish a full direct deposit in their name into their checking account. Any direct deposits less than $2,000 will not be eligible for the discount. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.11%
Used Vehicle, 2020-2021 Loan	-	-	4.24%	Up to 60 Months
Details Military APR**; The "as low as" rate of 4.74% APR includes a 0.25% rate discount for Payment Protection coverage OR active checking with a full payroll direct deposit of $2,000 or more per month. Payment example: A fully protected loan of $20,000 at 4.74% APR would have a monthly payment of $597.12 for 36 months. Loan terms can be extended for Payment Protection. Some restrictions apply. See lender for details. Rate is subject to change at any time without notice. Equal Opportunity Lender. Eligibility for a 1% rate discount on certain loan products, excluding Mortgages, Holiday Loans, Business Loans, Courtesy Pay loans, Loyalty Lines of Credit, Military Line of Credit, and promotional loan rate offers. This offer is available to Active Duty, Veterans, and Retirees. To qualify, military members must establish a full direct deposit in their name into their checking account. Any direct deposits less than $2,000 will not be eligible for the discount. Discount subject to qualification and can change without notice. Military Status Verification: Verification of military status is required. Acceptable proof includes Military ID, Retirement ID, or DD214 (Certificate of Release or Discharge from Active Duty). Terms and conditions apply. Cannot be combined with any other discounts. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.11%
New or Used Vehicle, 2022 and Newer Loan	-	-	4.49%	Up to 84 Months
Details Term: Up to 84 Months > $25k; Military APR**; The "as low as" rate of 4.74% APR includes a 0.25% rate discount for Payment Protection coverage OR active checking with a full payroll direct deposit of $2,000 or more per month. Payment example: A fully protected loan of $20,000 at 4.74% APR would have a monthly payment of $597.12 for 36 months. Loan terms can be extended for Payment Protection. Some restrictions apply. See lender for details. Rate is subject to change at any time without notice. Equal Opportunity Lender. Eligibility for a 1% rate discount on certain loan products, excluding Mortgages, Holiday Loans, Business Loans, Courtesy Pay loans, Loyalty Lines of Credit, Military Line of Credit, and promotional loan rate offers. This offer is available to Active Duty, Veterans, and Retirees. To qualify, military members must establish a full direct deposit in their name into their checking account. Any direct deposits less than $2,000 will not be eligible for the discount. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.11%
Used Vehicle, 2017-2019 Loan	-	-	4.49%	Up to 60 Months
Details Military APR**; The "as low as" rate of 4.74% APR includes a 0.25% rate discount for Payment Protection coverage OR active checking with a full payroll direct deposit of $2,000 or more per month. Payment example: A fully protected loan of $20,000 at 4.74% APR would have a monthly payment of $597.12 for 36 months. Loan terms can be extended for Payment Protection. Some restrictions apply. See lender for details. Rate is subject to change at any time without notice. Equal Opportunity Lender. Eligibility for a 1% rate discount on certain loan products, excluding Mortgages, Holiday Loans, Business Loans, Courtesy Pay loans, Loyalty Lines of Credit, Military Line of Credit, and promotional loan rate offers. This offer is available to Active Duty, Veterans, and Retirees. To qualify, military members must establish a full direct deposit in their name into their checking account. Any direct deposits less than $2,000 will not be eligible for the discount. Discount subject to qualification and can change without notice. Military Status Verification: Verification of military status is required. Acceptable proof includes Military ID, Retirement ID, or DD214 (Certificate of Release or Discharge from Active Duty). Terms and conditions apply. Cannot be combined with any other discounts. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.11%
Used Vehicle, 2020-2021 Loan	-	-	4.49%	Up to 72 Months
Details Term: Up to 72 Months > $15k; Military APR**; The "as low as" rate of 4.74% APR includes a 0.25% rate discount for Payment Protection coverage OR active checking with a full payroll direct deposit of $2,000 or more per month. Payment example: A fully protected loan of $20,000 at 4.74% APR would have a monthly payment of $597.12 for 36 months. Loan terms can be extended for Payment Protection. Some restrictions apply. See lender for details. Rate is subject to change at any time without notice. Equal Opportunity Lender. Eligibility for a 1% rate discount on certain loan products, excluding Mortgages, Holiday Loans, Business Loans, Courtesy Pay loans, Loyalty Lines of Credit, Military Line of Credit, and promotional loan rate offers. This offer is available to Active Duty, Veterans, and Retirees. To qualify, military members must establish a full direct deposit in their name into their checking account. Any direct deposits less than $2,000 will not be eligible for the discount. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.11%
New or Used Vehicle, 2022 and Newer Loan	-	-	4.74%	Up to 60 Months
Details As Low As; The "as low as" rate of 4.74% APR includes a 0.25% rate discount for Payment Protection coverage OR active checking with a full payroll direct deposit of $2,000 or more per month. Payment example: A fully protected loan of $20,000 at 4.74% APR would have a monthly payment of $597.12 for 36 months. Loan terms can be extended for Payment Protection. Some restrictions apply. See lender for details. Rate is subject to change at any time without notice. Equal Opportunity Lender. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.11%
Used Vehicle, 2017-2019 Loan	-	-	4.74%	Up to 72 Months
Details Term: Up to 72 Months > $15k; Military APR**; The "as low as" rate of 4.74% APR includes a 0.25% rate discount for Payment Protection coverage OR active checking with a full payroll direct deposit of $2,000 or more per month. Payment example: A fully protected loan of $20,000 at 4.74% APR would have a monthly payment of $597.12 for 36 months. Loan terms can be extended for Payment Protection. Some restrictions apply. See lender for details. Rate is subject to change at any time without notice. Equal Opportunity Lender. Eligibility for a 1% rate discount on certain loan products, excluding Mortgages, Holiday Loans, Business Loans, Courtesy Pay loans, Loyalty Lines of Credit, Military Line of Credit, and promotional loan rate offers. This offer is available to Active Duty, Veterans, and Retirees. To qualify, military members must establish a full direct deposit in their name into their checking account. Any direct deposits less than $2,000 will not be eligible for the discount. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.11%
New or Used Vehicle, 2022 and Newer Loan	-	-	4.99%	Up to 72 Months
Details Term: Up to 72 Months > $15k; As Low As; The "as low as" rate of 4.74% APR includes a 0.25% rate discount for Payment Protection coverage OR active checking with a full payroll direct deposit of $2,000 or more per month. Payment example: A fully protected loan of $20,000 at 4.74% APR would have a monthly payment of $597.12 for 36 months. Loan terms can be extended for Payment Protection. Some restrictions apply. See lender for details. Rate is subject to change at any time without notice. Equal Opportunity Lender. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.11%
Used Vehicle, 2020-2021 Loan	-	-	4.99%	Up to 60 Months
Details As Low As; The "as low as" rate of 4.74% APR includes a 0.25% rate discount for Payment Protection coverage OR active checking with a full payroll direct deposit of $2,000 or more per month. Payment example: A fully protected loan of $20,000 at 4.74% APR would have a monthly payment of $597.12 for 36 months. Loan terms can be extended for Payment Protection. Some restrictions apply. See lender for details. Rate is subject to change at any time without notice. Equal Opportunity Lender. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.11%
Used Vehicle, 2020-2021 Loan	-	-	4.99%	Up to 84 Months
Details Term: Up to 84 Months > $25k; Military APR**; The "as low as" rate of 4.74% APR includes a 0.25% rate discount for Payment Protection coverage OR active checking with a full payroll direct deposit of $2,000 or more per month. Payment example: A fully protected loan of $20,000 at 4.74% APR would have a monthly payment of $597.12 for 36 months. Loan terms can be extended for Payment Protection. Some restrictions apply. See lender for details. Rate is subject to change at any time without notice. Equal Opportunity Lender. Eligibility for a 1% rate discount on certain loan products, excluding Mortgages, Holiday Loans, Business Loans, Courtesy Pay loans, Loyalty Lines of Credit, Military Line of Credit, and promotional loan rate offers. This offer is available to Active Duty, Veterans, and Retirees. To qualify, military members must establish a full direct deposit in their name into their checking account. Any direct deposits less than $2,000 will not be eligible for the discount. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.11%
New or Used Vehicle, 2022 and Newer Loan	-	-	5.24%	Up to 84 Months
Details Term: Up to 84 Months > $25k; As Low As; The "as low as" rate of 4.74% APR includes a 0.25% rate discount for Payment Protection coverage OR active checking with a full payroll direct deposit of $2,000 or more per month. Payment example: A fully protected loan of $20,000 at 4.74% APR would have a monthly payment of $597.12 for 36 months. Loan terms can be extended for Payment Protection. Some restrictions apply. See lender for details. Rate is subject to change at any time without notice. Equal Opportunity Lender. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 5.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.11%
Used Vehicle, 2016 and Older Loan	-	-	5.24%	Up to 84 Months
Details Additional APR listed for this product: 5.990%. Term: Up to 84 Months > $25k; As Low As; The "as low as" rate of 4.74% APR includes a 0.25% rate discount for Payment Protection coverage OR active checking with a full payroll direct deposit of $2,000 or more per month. Payment example: A fully protected loan of $20,000 at 4.74% APR would have a monthly payment of $597.12 for 36 months. Loan terms can be extended for Payment Protection. Some restrictions apply. See lender for details. Rate is subject to change at any time without notice. Equal Opportunity Lender. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 5.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.11%
Used Vehicle, 2017-2019 Loan	-	-	5.24%	Up to 60 Months
Details As Low As; The "as low as" rate of 4.74% APR includes a 0.25% rate discount for Payment Protection coverage OR active checking with a full payroll direct deposit of $2,000 or more per month. Payment example: A fully protected loan of $20,000 at 4.74% APR would have a monthly payment of $597.12 for 36 months. Loan terms can be extended for Payment Protection. Some restrictions apply. See lender for details. Rate is subject to change at any time without notice. Equal Opportunity Lender. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 5.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.11%
Used Vehicle, 2017-2019 Loan	-	-	5.24%	Up to 84 Months
Details Term: Up to 84 Months > $25k; Military APR**; The "as low as" rate of 4.74% APR includes a 0.25% rate discount for Payment Protection coverage OR active checking with a full payroll direct deposit of $2,000 or more per month. Payment example: A fully protected loan of $20,000 at 4.74% APR would have a monthly payment of $597.12 for 36 months. Loan terms can be extended for Payment Protection. Some restrictions apply. See lender for details. Rate is subject to change at any time without notice. Equal Opportunity Lender. Eligibility for a 1% rate discount on certain loan products, excluding Mortgages, Holiday Loans, Business Loans, Courtesy Pay loans, Loyalty Lines of Credit, Military Line of Credit, and promotional loan rate offers. This offer is available to Active Duty, Veterans, and Retirees. To qualify, military members must establish a full direct deposit in their name into their checking account. Any direct deposits less than $2,000 will not be eligible for the discount. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 5.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.11%
Used Vehicle, 2020-2021 Loan	-	-	5.24%	Up to 72 Months
Details Term: Up to 72 Months > $15k; As Low As; The "as low as" rate of 4.74% APR includes a 0.25% rate discount for Payment Protection coverage OR active checking with a full payroll direct deposit of $2,000 or more per month. Payment example: A fully protected loan of $20,000 at 4.74% APR would have a monthly payment of $597.12 for 36 months. Loan terms can be extended for Payment Protection. Some restrictions apply. See lender for details. Rate is subject to change at any time without notice. Equal Opportunity Lender. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 5.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.11%
Used Vehicle, 2017-2019 Loan	-	-	5.49%	Up to 72 Months
Details Term: Up to 72 Months > $15k; As Low As; The "as low as" rate of 4.74% APR includes a 0.25% rate discount for Payment Protection coverage OR active checking with a full payroll direct deposit of $2,000 or more per month. Payment example: A fully protected loan of $20,000 at 4.74% APR would have a monthly payment of $597.12 for 36 months. Loan terms can be extended for Payment Protection. Some restrictions apply. See lender for details. Rate is subject to change at any time without notice. Equal Opportunity Lender. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 5.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.11%
New or Used Vehicle, 2022 and Newer Loan	-	-	5.74%	Up to 96 Months
Details Term: Up to 96 Months > $30k; Military APR**; The "as low as" rate of 4.74% APR includes a 0.25% rate discount for Payment Protection coverage OR active checking with a full payroll direct deposit of $2,000 or more per month. Payment example: A fully protected loan of $20,000 at 4.74% APR would have a monthly payment of $597.12 for 36 months. Loan terms can be extended for Payment Protection. Some restrictions apply. See lender for details. Rate is subject to change at any time without notice. Equal Opportunity Lender. Eligibility for a 1% rate discount on certain loan products, excluding Mortgages, Holiday Loans, Business Loans, Courtesy Pay loans, Loyalty Lines of Credit, Military Line of Credit, and promotional loan rate offers. This offer is available to Active Duty, Veterans, and Retirees. To qualify, military members must establish a full direct deposit in their name into their checking account. Any direct deposits less than $2,000 will not be eligible for the discount. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 5.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.11%
Used Vehicle, 2020-2021 Loan	-	-	5.74%	Up to 84 Months
Details Term: Up to 84 Months > $25k; As Low As; The "as low as" rate of 4.74% APR includes a 0.25% rate discount for Payment Protection coverage OR active checking with a full payroll direct deposit of $2,000 or more per month. Payment example: A fully protected loan of $20,000 at 4.74% APR would have a monthly payment of $597.12 for 36 months. Loan terms can be extended for Payment Protection. Some restrictions apply. See lender for details. Rate is subject to change at any time without notice. Equal Opportunity Lender. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 5.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.11%
Used Vehicle, 2016 and Older Loan	-	-	5.99%	Up to 60 Months
Details Military APR**; The "as low as" rate of 4.74% APR includes a 0.25% rate discount for Payment Protection coverage OR active checking with a full payroll direct deposit of $2,000 or more per month. Payment example: A fully protected loan of $20,000 at 4.74% APR would have a monthly payment of $597.12 for 36 months. Loan terms can be extended for Payment Protection. Some restrictions apply. See lender for details. Rate is subject to change at any time without notice. Equal Opportunity Lender. Eligibility for a 1% rate discount on certain loan products, excluding Mortgages, Holiday Loans, Business Loans, Courtesy Pay loans, Loyalty Lines of Credit, Military Line of Credit, and promotional loan rate offers. This offer is available to Active Duty, Veterans, and Retirees. To qualify, military members must establish a full direct deposit in their name into their checking account. Any direct deposits less than $2,000 will not be eligible for the discount. Discount subject to qualification and can change without notice. Military Status Verification: Verification of military status is required. Acceptable proof includes Military ID, Retirement ID, or DD214 (Certificate of Release or Discharge from Active Duty). Terms and conditions apply. Cannot be combined with any other discounts. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 5.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.11%
Used Vehicle, 2017-2019 Loan	-	-	5.99%	Up to 84 Months
Details Term: Up to 84 Months > $25k; As Low As; The "as low as" rate of 4.74% APR includes a 0.25% rate discount for Payment Protection coverage OR active checking with a full payroll direct deposit of $2,000 or more per month. Payment example: A fully protected loan of $20,000 at 4.74% APR would have a monthly payment of $597.12 for 36 months. Loan terms can be extended for Payment Protection. Some restrictions apply. See lender for details. Rate is subject to change at any time without notice. Equal Opportunity Lender. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 5.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.11%
Used Vehicle, 2016 and Older Loan	-	-	6.24%	Up to 72 Months
Details Term: Up to 72 Months > $15k; Military APR**; The "as low as" rate of 4.74% APR includes a 0.25% rate discount for Payment Protection coverage OR active checking with a full payroll direct deposit of $2,000 or more per month. Payment example: A fully protected loan of $20,000 at 4.74% APR would have a monthly payment of $597.12 for 36 months. Loan terms can be extended for Payment Protection. Some restrictions apply. See lender for details. Rate is subject to change at any time without notice. Equal Opportunity Lender. Eligibility for a 1% rate discount on certain loan products, excluding Mortgages, Holiday Loans, Business Loans, Courtesy Pay loans, Loyalty Lines of Credit, Military Line of Credit, and promotional loan rate offers. This offer is available to Active Duty, Veterans, and Retirees. To qualify, military members must establish a full direct deposit in their name into their checking account. Any direct deposits less than $2,000 will not be eligible for the discount. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.11%
New or Used Vehicle, 2022 and Newer Loan	-	-	6.49%	Up to 96 Months
Details Term: Up to 96 Months > $30k; As Low As; The "as low as" rate of 4.74% APR includes a 0.25% rate discount for Payment Protection coverage OR active checking with a full payroll direct deposit of $2,000 or more per month. Payment example: A fully protected loan of $20,000 at 4.74% APR would have a monthly payment of $597.12 for 36 months. Loan terms can be extended for Payment Protection. Some restrictions apply. See lender for details. Rate is subject to change at any time without notice. Equal Opportunity Lender. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.11%
Used Vehicle, 2016 and Older Loan	-	-	6.74%	Up to 60 Months
Details As Low As; The "as low as" rate of 4.74% APR includes a 0.25% rate discount for Payment Protection coverage OR active checking with a full payroll direct deposit of $2,000 or more per month. Payment example: A fully protected loan of $20,000 at 4.74% APR would have a monthly payment of $597.12 for 36 months. Loan terms can be extended for Payment Protection. Some restrictions apply. See lender for details. Rate is subject to change at any time without notice. Equal Opportunity Lender. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.11%
Used Vehicle, 2016 and Older Loan	-	-	6.99%	Up to 72 Months
Details Term: Up to 72 Months > $15k; As Low As; The "as low as" rate of 4.74% APR includes a 0.25% rate discount for Payment Protection coverage OR active checking with a full payroll direct deposit of $2,000 or more per month. Payment example: A fully protected loan of $20,000 at 4.74% APR would have a monthly payment of $597.12 for 36 months. Loan terms can be extended for Payment Protection. Some restrictions apply. See lender for details. Rate is subject to change at any time without notice. Equal Opportunity Lender. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.11%

FreeStar Financial Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Motorcycles Fixed	-	5.49%	Up to 60 Months
Details As Low As; Rate is "as low as" and may change based on credit history, term and other determining factors. As low as rate includes discounts for Payment Protection coverage OR active checking with a minimum full payroll direct deposit of $2,000 per month. Military Status Verification: Verification of military status is required. Acceptable proof includes Military ID, Retirement ID, or DD214 (Certificate of Release or Discharge from Active Duty). Terms and conditions apply. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 5.49% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.11%
Marine (Non-personal watercraft) Fixed	-	5.74%	Up to 84 months
Details As low as rate includes discounts for Payment Protection coverage OR active checking with a minimum full payroll direct deposit of $2,000 per month. Military Status Verification: Verification of military status is required. Acceptable proof includes Military ID, Retirement ID, or DD214 (Certificate of Release or Discharge from Active Duty). Terms and conditions apply. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 5.74% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.11%
Motorcycles Fixed	-	5.74%	Up to 72 Months
Details As Low As; Rate is "as low as" and may change based on credit history, term and other determining factors. As low as rate includes discounts for Payment Protection coverage OR active checking with a minimum full payroll direct deposit of $2,000 per month. Military Status Verification: Verification of military status is required. Acceptable proof includes Military ID, Retirement ID, or DD214 (Certificate of Release or Discharge from Active Duty). Terms and conditions apply. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 5.74% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.11%
Campers and Motor Homes - Fixed	-	5.99%	Up to 84 months
Details under $25,000; As Low As; Rate is "as low as" and may change based on credit history, term and other determining factors. As low as rate includes discounts for Payment Protection coverage OR active checking with a minimum full payroll direct deposit of $2,000 per month. Payment example: A fully protected loan of $20,000 at 6.49% for 84 months would have a monthly payment of $330.70. Rate is subject to change at any time without notice. Equal Opportunity Lender. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 5.99% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.11%
Motorcycles Fixed	-	5.99%	Up to 84 Months
Details As Low As; Loan Amount: Over $10,000. Rate is "as low as" and may change based on credit history, term and other determining factors. As low as rate includes discounts for Payment Protection coverage OR active checking with a minimum full payroll direct deposit of $2,000 per month. Military Status Verification: Verification of military status is required. Acceptable proof includes Military ID, Retirement ID, or DD214 (Certificate of Release or Discharge from Active Duty). Terms and conditions apply. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 5.99% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.11%
Campers and Motor Homes - Fixed above	-	6.24%	Up to 144 months
Details $25,000; As Low As; Rate is "as low as" and may change based on credit history, term and other determining factors. As low as rate includes discounts for Payment Protection coverage OR active checking with a minimum full payroll direct deposit of $2,000 per month. Payment example: A fully protected loan of $20,000 at 6.49% for 84 months would have a monthly payment of $330.70. Rate is subject to change at any time without notice. Equal Opportunity Lender. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.11%
Marine (Non-personal watercraft) Fixed above	-	6.24%	Up to 144 months
Details $25,000; As low as rate includes discounts for Payment Protection coverage OR active checking with a minimum full payroll direct deposit of $2,000 per month. term ineligible for CL/CD. Military Status Verification: Verification of military status is required. Acceptable proof includes Military ID, Retirement ID, or DD214 (Certificate of Release or Discharge from Active Duty). Terms and conditions apply. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.11%
Campers and Motor Homes - Fixed above	-	6.49%	Up to 180 months
Details $25,000; As Low As; Rate is "as low as" and may change based on credit history, term and other determining factors. As low as rate includes discounts for Payment Protection coverage OR active checking with a minimum full payroll direct deposit of $2,000 per month. Payment example: A fully protected loan of $20,000 at 6.49% for 84 months would have a monthly payment of $330.70. Rate is subject to change at any time without notice. Equal Opportunity Lender. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.11%
Marine (Non-personal watercraft) Fixed above	-	6.49%	Up to 180 months
Details $25,000; As low as rate includes discounts for Payment Protection coverage OR active checking with a minimum full payroll direct deposit of $2,000 per month. term ineligible for CL/CD. Military Status Verification: Verification of military status is required. Acceptable proof includes Military ID, Retirement ID, or DD214 (Certificate of Release or Discharge from Active Duty). Terms and conditions apply. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.11%
Power Sports (Jet Ski, ATVs, & Snowmobiles) Fixed	-	6.49%	Up to 60 months
Details As Low As; Rate is "as low as" and may change based on credit history, term and other determining factors. As low as rate includes discounts for Payment Protection coverage OR active checking with a minimum full payroll direct deposit of $2,000 per month. Military Status Verification: Verification of military status is required. Acceptable proof includes Military ID, Retirement ID, or DD214 (Certificate of Release or Discharge from Active Duty). Terms and conditions apply. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.11%
Marine (Non-personal watercraft) Fixed above	-	6.74%	Up to 240 months
Details $75,000; As low as rate includes discounts for Payment Protection coverage OR active checking with a minimum full payroll direct deposit of $2,000 per month. term ineligible for CL/CD. Military Status Verification: Verification of military status is required. Acceptable proof includes Military ID, Retirement ID, or DD214 (Certificate of Release or Discharge from Active Duty). Terms and conditions apply. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.11%
Motorcycles Fixed	-	6.74%	Up to 120 Months
Details As Low As; Loan Amount: Over $30,000. Rate is "as low as" and may change based on credit history, term and other determining factors. As low as rate includes discounts for Payment Protection coverage OR active checking with a minimum full payroll direct deposit of $2,000 per month. Military Status Verification: Verification of military status is required. Acceptable proof includes Military ID, Retirement ID, or DD214 (Certificate of Release or Discharge from Active Duty). Terms and conditions apply. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.74% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.11%
Power Sports (Jet Ski, ATVs, & Snowmobiles) Fixed	-	6.74%	Up to 72 months
Details As Low As; Rate is "as low as" and may change based on credit history, term and other determining factors. As low as rate includes discounts for Payment Protection coverage OR active checking with a minimum full payroll direct deposit of $2,000 per month. Military Status Verification: Verification of military status is required. Acceptable proof includes Military ID, Retirement ID, or DD214 (Certificate of Release or Discharge from Active Duty). Terms and conditions apply. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.11%
Power Sports (Jet Ski, ATVs, & Snowmobiles) Fixed	-	6.99%	Up to 84 months
Details over $10,000; As Low As; Rate is "as low as" and may change based on credit history, term and other determining factors. As low as rate includes discounts for Payment Protection coverage OR active checking with a minimum full payroll direct deposit of $2,000 per month. Military Status Verification: Verification of military status is required. Acceptable proof includes Military ID, Retirement ID, or DD214 (Certificate of Release or Discharge from Active Duty). Terms and conditions apply. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.11%

FreeStar Financial Credit Union Credit Card Rates

Product	Rate	APR
Heroes' VISA Platinum	-	8.50%
Details Intro rate expires: 90 days; Regular APR: 8.50% Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 8.50% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.11%
VISA Platinum	-	9.50%
Details Intro rate expires: 90 days; Regular APR: 9.50% Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 9.50% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.11%
Heroes' VISA Classic	-	11.90%
Details Intro rate expires: 90 days; Regular APR: 11.90% Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 11.90% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.11%
VISA Classic	-	12.90%
Details Intro rate expires: 90 days; Regular APR: 12.90% Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 12.90% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.11%
VISA One Card	-	15.90%
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 15.90% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.11%

FreeStar Financial Credit Union Personal Loan Rates

Product	APR	Term
Marine (Non-personal watercraft) Fixed	5.74%	Up to 84 months
Details As low as rate includes discounts for Payment Protection coverage OR active checking with a minimum full payroll direct deposit of $2,000 per month. Military Status Verification: Verification of military status is required. Acceptable proof includes Military ID, Retirement ID, or DD214 (Certificate of Release or Discharge from Active Duty). Terms and conditions apply. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 5.74% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.11%
Marine (Non-personal watercraft) Fixed above	6.24%	Up to 144 months
Details $25,000; As low as rate includes discounts for Payment Protection coverage OR active checking with a minimum full payroll direct deposit of $2,000 per month. term ineligible for CL/CD. Military Status Verification: Verification of military status is required. Acceptable proof includes Military ID, Retirement ID, or DD214 (Certificate of Release or Discharge from Active Duty). Terms and conditions apply. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.11%
Marine (Non-personal watercraft) Fixed above	6.49%	Up to 180 months
Details $25,000; As low as rate includes discounts for Payment Protection coverage OR active checking with a minimum full payroll direct deposit of $2,000 per month. term ineligible for CL/CD. Military Status Verification: Verification of military status is required. Acceptable proof includes Military ID, Retirement ID, or DD214 (Certificate of Release or Discharge from Active Duty). Terms and conditions apply. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.11%
Marine (Non-personal watercraft) Fixed above	6.74%	Up to 240 months
Details $75,000; As low as rate includes discounts for Payment Protection coverage OR active checking with a minimum full payroll direct deposit of $2,000 per month. term ineligible for CL/CD. Military Status Verification: Verification of military status is required. Acceptable proof includes Military ID, Retirement ID, or DD214 (Certificate of Release or Discharge from Active Duty). Terms and conditions apply. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.11%
Unsecured Loan	9.74%	Up to 24 months
Details up to $15,000; As Low As; New money only. Rate is "as low as" 10.49% and may change based on credit history, term, and other determining factors. The "as low as" rate of 10.49% APR includes discounts for Payment Protection coverage OR active checking with a full payroll direct deposit of $2,000 or more per month. Military Status Verification: Verification of military status is required. Acceptable proof includes Military ID, Retirement ID, or DD214 (Certificate of Release or Discharge from Active Duty). Terms and conditions apply. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 9.74% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.11%
Unsecured Loan	9.99%	Up to 60 months
Details up to $15,000; As Low As; New money only. Rate is "as low as" 10.49% and may change based on credit history, term, and other determining factors. The "as low as" rate of 10.49% APR includes discounts for Payment Protection coverage OR active checking with a full payroll direct deposit of $2,000 or more per month. Military Status Verification: Verification of military status is required. Acceptable proof includes Military ID, Retirement ID, or DD214 (Certificate of Release or Discharge from Active Duty). Terms and conditions apply. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 9.99% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.11%
Unsecured Loan	10.99%	Up to 60 months
Details $15,001 - $25,000; As Low As; New money only. Rate is "as low as" 10.49% and may change based on credit history, term, and other determining factors. The "as low as" rate of 10.49% APR includes discounts for Payment Protection coverage OR active checking with a full payroll direct deposit of $2,000 or more per month. Military Status Verification: Verification of military status is required. Acceptable proof includes Military ID, Retirement ID, or DD214 (Certificate of Release or Discharge from Active Duty). Terms and conditions apply. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 10.99% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.11%
Unsecured Loan	11.49%	61-72 months
Details $15,001 - $25,000; As Low As; New money only. Rate is "as low as" 10.49% and may change based on credit history, term, and other determining factors. The "as low as" rate of 10.49% APR includes discounts for Payment Protection coverage OR active checking with a full payroll direct deposit of $2,000 or more per month. Military Status Verification: Verification of military status is required. Acceptable proof includes Military ID, Retirement ID, or DD214 (Certificate of Release or Discharge from Active Duty). Terms and conditions apply. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 11.49% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.11%

FreeStar Financial Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
holiday loan	-	-	9.74%
Details Rates as low as Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 9.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.11%
Line of Credit	-	-	10.99%
Details Qualifications Required: Payment Protection coverage; active checking with a full payroll direct deposit of $2,000 per month; As low as rate includes discounts for Payment Protection coverage OR active checking with a full payroll direct deposit of $2,000 per month. Military Status Verification: Verification of military status is required. Acceptable proof includes Military ID, Retirement ID, or DD214 (Certificate of Release or Discharge from Active Duty). Terms and conditions apply. Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 10.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.11%
Mobile Homes - New Homes Loan	-	-	7.00%	Up to 180 months
Details 10% down payment required; As Low As Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 7.00% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.11%
Mobile Homes - Used Homes Loan	-	-	8.00%	15 years
Details Term: Max 15 years above home's age; 20% down payment required; As Low As Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 8.00% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.11%
New Homes - 10% down payment required Loan	-	-	7.00%	Up to 180 months
Details 10% down payment required; Payment example: $30,000 at 7% APR for 180 months would have a payment of $270.46 per month. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 7.00% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.11%
Used Homes - 20% down payment required Loan	-	-	8.00%	15 years
Details Term: Max 15 years above home's age; 20% down payment required; maturity not to exceed 15 years of age. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 8.00% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.11%
Five Year - Military	4.17%	-	4.25%
Min Deposit $500 Min Balance $500 Details Qualified Military Members receive a 1% rate increase on all CDs, excluding iSave. Eligible members include Active Duty, Veterans, and Retirees. To qualify, military members must establish a full direct deposit in their name into their checking account. Any direct deposits less than $2,000 will not be eligible for the rate increase. Offer is subject to qualification and can change without notice. Military Status Verification: Verification of military status is required. Acceptable proof includes Military ID, Retirement ID, or DD214 (Certificate of Release or Discharge from Active Duty). Terms and conditions apply. Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 4.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.11%
Four Year - Military	4.17%	-	4.25%
Min Deposit $500 Min Balance $500 Details Qualified Military Members receive a 1% rate increase on all CDs, excluding iSave. Eligible members include Active Duty, Veterans, and Retirees. To qualify, military members must establish a full direct deposit in their name into their checking account. Any direct deposits less than $2,000 will not be eligible for the rate increase. Offer is subject to qualification and can change without notice. Military Status Verification: Verification of military status is required. Acceptable proof includes Military ID, Retirement ID, or DD214 (Certificate of Release or Discharge from Active Duty). Terms and conditions apply. Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 4.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.11%
Individual Retirement Account (IRA)	0.50%	-	0.50%
Min Balance $250 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.11%
IRA Rollover	0.50%	-	0.50%
Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.11%
iSave Youth	3.445%	-	3.50%	iSave Youth (1 Year)
Min Deposit $25 Min Balance $25 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.11%
iSave Youth - Military	4.41%	-	4.50%	iSave Youth (1 Year)
Min Deposit $25 Min Balance $25 Details Qualified Military Members receive a 1% rate increase on all CDs, excluding iSave. Eligible members include Active Duty, Veterans, and Retirees. To qualify, military members must establish a full direct deposit in their name into their checking account. Any direct deposits less than $2,000 will not be eligible for the rate increase. Offer is subject to qualification and can change without notice. Military Status Verification: Verification of military status is required. Acceptable proof includes Military ID, Retirement ID, or DD214 (Certificate of Release or Discharge from Active Duty). Terms and conditions apply. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.11%
Money Management Accounts	0.10%	-	0.10%
Min Balance $1,000 Details Balance: $1,000 to $5,000.00 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.11%
Money Management Accounts	0.25%	-	0.25%
Min Balance $5,000 Details Balance: $5,000 to $49,999 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.11%
Money Management Accounts	0.449%	-	0.45%
Min Balance $50,000 Details Balance: $50,000 to $74,999 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.45% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.11%
Money Management Accounts	0.549%	-	0.55%
Min Balance $75,000 Details Balance: $75,000 to $99,999 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.55% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.11%
Money Management Accounts	0.598%	-	0.60%
Min Balance $100,000 Details Balance: $100,000 to 149,999 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.60% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.11%
Money Management Accounts	0.698%	-	0.70%
Min Balance $150,000 Details Balance: $150,000 + Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.70% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.11%
One Year - Military	4.41%	-	4.50%
Min Deposit $500 Min Balance $500 Details Qualified Military Members receive a 1% rate increase on all CDs, excluding iSave. Eligible members include Active Duty, Veterans, and Retirees. To qualify, military members must establish a full direct deposit in their name into their checking account. Any direct deposits less than $2,000 will not be eligible for the rate increase. Offer is subject to qualification and can change without notice. Military Status Verification: Verification of military status is required. Acceptable proof includes Military ID, Retirement ID, or DD214 (Certificate of Release or Discharge from Active Duty). Terms and conditions apply. Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 4.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.11%
Save to Win	3.445%	-	3.50%	Save to Win (1 year)
Min Deposit $25 Min Balance $25 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.11%
Save to Win - Military	4.41%	-	4.50%	Save to Win (1 year)
Min Deposit $25 Min Balance $25 Details Qualified Military Members receive a 1% rate increase on all CDs, excluding iSave. Eligible members include Active Duty, Veterans, and Retirees. To qualify, military members must establish a full direct deposit in their name into their checking account. Any direct deposits less than $2,000 will not be eligible for the rate increase. Offer is subject to qualification and can change without notice. Military Status Verification: Verification of military status is required. Acceptable proof includes Military ID, Retirement ID, or DD214 (Certificate of Release or Discharge from Active Duty). Terms and conditions apply. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.11%
Six Month - Military	4.89%	-	5.00%
Min Deposit $500 Min Balance $500 Details Qualified Military Members receive a 1% rate increase on all CDs, excluding iSave. Eligible members include Active Duty, Veterans, and Retirees. To qualify, military members must establish a full direct deposit in their name into their checking account. Any direct deposits less than $2,000 will not be eligible for the rate increase. Offer is subject to qualification and can change without notice. Military Status Verification: Verification of military status is required. Acceptable proof includes Military ID, Retirement ID, or DD214 (Certificate of Release or Discharge from Active Duty). Terms and conditions apply. Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 5.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.11%
Three Year - Military	4.17%	-	4.25%
Min Deposit $500 Min Balance $500 Details Qualified Military Members receive a 1% rate increase on all CDs, excluding iSave. Eligible members include Active Duty, Veterans, and Retirees. To qualify, military members must establish a full direct deposit in their name into their checking account. Any direct deposits less than $2,000 will not be eligible for the rate increase. Offer is subject to qualification and can change without notice. Military Status Verification: Verification of military status is required. Acceptable proof includes Military ID, Retirement ID, or DD214 (Certificate of Release or Discharge from Active Duty). Terms and conditions apply. Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 4.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.11%
Two Year - Military	4.65%	-	4.75%
Min Deposit $500 Min Balance $500 Details Qualified Military Members receive a 1% rate increase on all CDs, excluding iSave. Eligible members include Active Duty, Veterans, and Retirees. To qualify, military members must establish a full direct deposit in their name into their checking account. Any direct deposits less than $2,000 will not be eligible for the rate increase. Offer is subject to qualification and can change without notice. Military Status Verification: Verification of military status is required. Acceptable proof includes Military ID, Retirement ID, or DD214 (Certificate of Release or Discharge from Active Duty). Terms and conditions apply. Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 4.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.11%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

FreeStar Financial Credit Union’s Texas Ratio rose from 5.19% in Q3 2023 to 7.11% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$350M	7.11%	5.0	A
March 31, 2026	$351M	5.02%	5.0	A+
December 31, 2025	$339M	5.64%	5.0	A+
September 30, 2025	$326M	8.12%	5.0	A
June 30, 2025	$337M	6.44%	5.0	A
March 31, 2025	$341M	5.06%	5.0	A+
December 31, 2024	$329M	5.25%	5.0	A+
September 30, 2024	$322M	4.81%	5.0	A+
June 30, 2024	$319M	3.14%	5.0	A+
March 31, 2024	$329M	4.83%	5.0	A+
December 31, 2023	$321M	2.83%	5.0	A+
September 30, 2023	$319M	5.19%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for FreeStar Financial Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather FreeStar Financial Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with FreeStar Financial Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name FreeStar Financial Credit Union

Website https://www.freestarfinancial.com

Address 37570 S Gratiot Ave, Clinton Township, MI 48036

Phone 586-466-7800

Fax 586-468-6881

President Raymond White Jr.

CEO Drema Isaac

Full-Time Employees 75

Part-Time Employees 2

Branch Locations 8

ATM Locations 7

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (96/100)

Texas Ratio

7.11%

Return on Assets (ROA)

0.2267%

Return on Equity (ROE)

2.3547%

Non-Performing Loans Ratio (NPL)

1.17%

Total Assets

350,049,471

Total Amount of Shares and Deposits

312,495,354

Total Shares and Deposits < 1 Year

275,214,719

Total Shares and Deposits 1 3 Years

33,122,832

Total Shares and Deposits > 3 Years

4,157,803

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

15,874,771

Total Uninsured Shares and Deposits > $250K (F+J)

15,874,771

Total Insured Shares and Deposits > $250K (item 17 less item K)

296,620,583

Total Interest Expense (Sum of items 6 8)

2,062,799

Share Certificates

3,383

Number of Accounts for Share Drafts

12,532

IRA KEOGH Accounts

711

Number of Accounts for Regular Shares

21,761

All other shares

1,879

Non Member Deposits

Money Market Shares

1,413

Net Income (unless the amount is already included in Undivided Earnings)

793,574

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

44,191,490

Total Liabilities

319,181,628

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

FreeStar Financial Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
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       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

There are no reviews for FreeStar Financial Credit Union yet. Feel free to create one below.

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Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for FreeStar Financial Credit Union

Frequently Asked Questions About FreeStar Financial Credit Union

How many branches does FreeStar Financial Credit Union operate?

FreeStar Financial Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join FreeStar Financial Credit Union?

Yes, to access services at FreeStar Financial Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, FreeStar Financial Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, FreeStar Financial Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does FreeStar Financial Credit Union offer online and mobile banking?

Most modern institutions like FreeStar Financial Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.freestarfinancial.com.

Current FreeStar Financial Credit Union Rates

12-Month CD3.50%
18-Month CD4.25%
24-Month CD3.75%
60-Month CD3.25%
Savings0.15%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

FreeStar Financial Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

FreeStar Financial Credit Union Texas Ratio

FreeStar Financial Credit Union Health Trend

FreeStar Financial Credit Union CD Rates

FreeStar Financial Credit Union Savings Rates

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FreeStar Financial Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

FreeStar Financial Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About FreeStar Financial Credit Union

How many branches does FreeStar Financial Credit Union operate?

Is a member application needed to join FreeStar Financial Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does FreeStar Financial Credit Union offer online and mobile banking?

Current FreeStar Financial Credit Union Rates

Compare to Other Credit Unions