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: 4.00%, Savings: 0.15%

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FreeStar Financial Credit Union

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FreeStar Financial Credit Union Rates & Review August 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: August 28, 2026

FreeStar Financial Credit Union's 18-Month Special! - Military rates are at 5.00%, iSave Youth (1 Year) - Military rates are at 4.50%, Save to Win (1 year) - Military rates are at 4.50%, 18-Month Special! rates are at 4.00%, iSave Youth (1 Year) rates are at 3.50%. FreeStar Financial Credit Union's savings rates are at 0.15%. FreeStar Financial Credit Union's Vacant Land 10 Year Fixed Rate rates are at 5.62%, Vacant Land 15 Year Fixed Rate rates are at 6.00%, Vacant Land 20 Year Fixed Rate rates are at 6.38%, Vacant Land 30 Year Fixed Rate rates are at 6.75%. FreeStar Financial Credit Union's Personal Loan Rates are at 5.74%. 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 8.12%. Rates last updated and verified on 08/28/2026.

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 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

8.12%

Excellent Higher than avg

FreeStar Financial Credit Union
Clinton Township

37570 S Gratiot Ave
Clinton Township, MI 48036

https://www.freestarfinancial.com

FreeStar Financial Credit Union CD Rates

Product	Rate	APY	Term
18-Month Special! - Military	4.89%	5.00%	18-Month Special!
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 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%
iSave Youth (1 Year) - Military	4.41%	4.50%	1 Year
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 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%
Save to Win (1 year) - Military	4.41%	4.50%	1 year
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 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%
18-Month Special!	3.93%	4.00%	18-Month Special!
Min Balance $500 Details At maturity, the CD will be renewed into a 24-month CD. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%
iSave Youth (1 Year)	3.45%	3.50%	1 Year
Min Balance $25 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%
Save to Win (1 year)	3.45%	3.50%	1 year
Min Balance $25 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%

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 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%
Regular Share Savings	0.15%	0.15%
Min Balance $10 Details Dividend Rate only applies to balances over $100. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%
Special Savings	0.15%	0.15%
Min Balance $0 Details Dividend Rate only applies to balances over $100. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%
Vacation Club	0.15%	0.15%
Min Balance $0 Details Dividend Rate only applies to balances over $100. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%

FreeStar Financial Credit Union Checking Rates

Product	Rate	APY	View More
Checking Account	-	0.05%
Details Qualifications Required; Dividends paid monthly on balances up to $10,000. Balances over $10,000 earn .05%. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%

FreeStar Financial Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
Adjustable Rate Mortgages (ARMs) - 3 Year	-	-	5.00%
Details As Low As; Rate is "as low as" and may change based on credit history, collateral, term, and other determining factors. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%
Adjustable Rate Mortgages (ARMs) - 5 Year	-	-	5.25%
Details As Low As; Rate is "as low as" and may change based on credit history, collateral, term, and other determining factors. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%
Adjustable Rate Mortgages (ARMs) - 7 Year	-	-	5.50%
Details As Low As; Rate is "as low as" and may change based on credit history, collateral, term, and other determining factors. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%
Vacant Land 10 Year Fixed Rate	5.63%	-	5.63%	10 Year Fixed Rate
Details NMLS ID 411386 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%
Vacant Land 15 Year Fixed Rate	6.00%	-	6.00%	15 Year Fixed Rate
Details NMLS ID 411386 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%
Vacant Land 20 Year Fixed Rate	6.38%	-	6.38%	20 Year Fixed Rate
Details NMLS ID 411386 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%
Vacant Land 30 Year Fixed Rate	6.75%	-	6.75%	30 Year Fixed Rate
Details NMLS ID 411386 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%

FreeStar Financial Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term	View More
Home Equity Line of Credit	-	-	6.25%
Details As Low As; Variable rate loan tied to market index (or prime rate); maximum APR is 18%; fixed for the first 5 years and will adjust every 5 years thereafter; $75 annual fee may apply; $250 termination fee if closed within 36 months; Credit subject to approval; not all applicants will qualify; Payment example: A HELOC with a balance of $100,000 would have an estimated payment of $885 per month at 6.75% rate over 180 months; Equal housing lender; NMLS ID 411386 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%

FreeStar Financial Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New or Used Vehicle, 2022 and Newer Loan	3.74%	-	2.99%	Up to 36 Months
Details As Low As; Rate is "as low as" and may change based on credit history, term, and other determining factors. 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. For additional terms, please contact our Lending department at 586-466-7800 opt. 3 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%
New or Used Vehicle, 2022 and Newer Up to 36 Months Loan	3.74%	-	2.99%	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 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%
New or Used Vehicle, 2022 and Newer Loan	4.74%	-	3.99%	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. 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. For additional terms, please contact our Lending department at 586-466-7800 opt. 3 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%
New or Used Vehicle, 2022 and Newer Up to 60 Months Loan	4.74%	-	3.99%	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 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%
New or Used Vehicle, 2022 and Newer Loan	4.99%	-	4.24%	Up to 72 Months > $15k
Details As Low As; Rate is "as low as" and may change based on credit history, term, and other determining factors. 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. For additional terms, please contact our Lending department at 586-466-7800 opt. 3 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%
New or Used Vehicle, 2022 and Newer Up to 72 Months > k Loan	4.99%	-	4.24%	Up to 72 Months
Details $15; 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 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%
Used Vehicle, 2020-2021 Loan	4.99%	-	4.24%	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. Payment example: A fully protected loan of $20,000 at 6.49% for 60 months would have a monthly payment of $427.17. Rate is subject to change at any time without notice. Equal Opportunity Lender. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%
Used Vehicle, 2020-2021 Up to 60 Months Loan	4.99%	-	4.24%	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 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%
New or Used Vehicle, 2022 and Newer Loan	5.24%	-	4.49%	Up to 84 Months > $25k
Details As Low As; Rate is "as low as" and may change based on credit history, term, and other determining factors. 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. For additional terms, please contact our Lending department at 586-466-7800 opt. 3 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%
New or Used Vehicle, 2022 and Newer Up to 84 Months > k Loan	5.24%	-	4.49%	Up to 84 Months
Details $25; 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 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%
Used Vehicle, 2017-2019 Loan	5.24%	-	4.49%	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. Payment example: A fully protected loan of $20,000 at 6.49% for 60 months would have a monthly payment of $427.17. Rate is subject to change at any time without notice. Equal Opportunity Lender. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%
Used Vehicle, 2017-2019 Up to 60 Months Loan	5.24%	-	4.49%	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 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%
Used Vehicle, 2020-2021 Loan	5.24%	-	4.49%	Up to 72 Months > $15k
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. Payment example: A fully protected loan of $20,000 at 6.49% for 60 months would have a monthly payment of $427.17. Rate is subject to change at any time without notice. Equal Opportunity Lender. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%
Used Vehicle, 2020-2021 Up to 72 Months > k Loan	5.24%	-	4.49%	Up to 72 Months
Details $15; 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 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%
Used Vehicle, 2017-2019 Loan	5.49%	-	4.74%	Up to 72 Months > $15k
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. Payment example: A fully protected loan of $20,000 at 6.49% for 60 months would have a monthly payment of $427.17. Rate is subject to change at any time without notice. Equal Opportunity Lender. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%
Used Vehicle, 2017-2019 Up to 72 Months > k Loan	5.49%	-	4.74%	Up to 72 Months
Details $15; 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 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%
Used Vehicle, 2020-2021 Loan	5.74%	-	4.99%	Up to 84 Months > $25k
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. Payment example: A fully protected loan of $20,000 at 6.49% for 60 months would have a monthly payment of $427.17. Rate is subject to change at any time without notice. Equal Opportunity Lender. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%
Used Vehicle, 2020-2021 Up to 84 Months > k Loan	5.74%	-	4.99%	Up to 84 Months
Details $25; 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 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%
Used Vehicle, 2016 and Older Loan	5.99%	-	5.24%	Up to 84 Months > $25k
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. Payment example: A fully protected loan of $20,000 at 6.49% for 60 months would have a monthly payment of $427.17. Rate is subject to change at any time without notice. Equal Opportunity Lender. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%
Used Vehicle, 2017-2019 Loan	5.99%	-	5.24%	Up to 84 Months > $25k
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. Payment example: A fully protected loan of $20,000 at 6.49% for 60 months would have a monthly payment of $427.17. Rate is subject to change at any time without notice. Equal Opportunity Lender. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%
Used Vehicle, 2017-2019 Up to 84 Months > k Loan	5.99%	-	5.24%	Up to 84 Months
Details $25; 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 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%
New or Used Vehicle, 2022 and Newer Loan	6.49%	-	5.74%	Up to 96 Months > $30k
Details As Low As; Rate is "as low as" and may change based on credit history, term, and other determining factors. 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. For additional terms, please contact our Lending department at 586-466-7800 opt. 3 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%
New or Used Vehicle, 2022 and Newer Up to 96 Months > k Loan	6.49%	-	5.74%	Up to 96 Months
Details $30; 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 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%
Used Vehicle, 2016 and Older Loan	6.74%	-	5.99%	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. Payment example: A fully protected loan of $20,000 at 6.49% for 60 months would have a monthly payment of $427.17. Rate is subject to change at any time without notice. Equal Opportunity Lender. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%
Used Vehicle, 2016 and Older Up to 60 Months Loan	6.74%	-	5.99%	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 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%
Used Vehicle, 2016 and Older Loan	6.99%	-	6.24%	Up to 72 Months > $15k
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. Payment example: A fully protected loan of $20,000 at 6.49% for 60 months would have a monthly payment of $427.17. Rate is subject to change at any time without notice. Equal Opportunity Lender. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%
Used Vehicle, 2016 and Older Up to 72 Months > k Loan	6.99%	-	6.24%	Up to 72 Months
Details $15; 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 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%

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 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%
VISA Platinum	-	9.50%
Details Intro rate expires: 90 days; Regular APR: 9.50% Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%
Heroes' VISA Classic	-	11.90%
Details Intro rate expires: 90 days; Regular APR: 11.90% Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%
VISA Classic	-	12.90%
Details Intro rate expires: 90 days; Regular APR: 12.90% Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%
VISA One Card	-	15.90%
Details Regular APR: 15.90% - 15.90% Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%

FreeStar Financial Credit Union Personal Loan Rates

Product	Rate	APR
Marine (Non-personal watercraft) Fixed	-	5.74%
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. Payment example: A fully protected loan of $20,000 at 5.74% for 84 months would have a monthly payment of $322.53. Rate is subject to change at any time without notice. Equal Opportunity Lender. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%
Marine (Non-personal watercraft) Fixed above	-	6.24%
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 5.74% for 84 months would have a monthly payment of $322.53. Rate is subject to change at any time without notice. Equal Opportunity Lender. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%
Marine (Non-personal watercraft) Fixed above	-	6.49%
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 5.74% for 84 months would have a monthly payment of $322.53. Rate is subject to change at any time without notice. Equal Opportunity Lender. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%
Marine (Non-personal watercraft) Fixed above	-	6.74%
Details $75,000; 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 5.74% for 84 months would have a monthly payment of $322.53. Rate is subject to change at any time without notice. Equal Opportunity Lender. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%

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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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 72

Part-Time Employees 0

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

8.12%

Return on Assets (ROA)

0.1997%

Return on Equity (ROE)

1.9912%

Non-Performing Loans Ratio (NPL)

1.34%

Total Assets

325,539,971

Total Amount of Shares and Deposits

287,623,287

Total Shares and Deposits < 1 Year

266,288,839

Total Shares and Deposits 1 3 Years

6,635,360

Total Shares and Deposits > 3 Years

14,699,088

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

13,457,592

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

13,457,592

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

274,165,695

Total Interest Expense (Sum of items 6 8)

2,925,599

Share Certificates

3,244

Number of Accounts for Share Drafts

16,214

IRA KEOGH Accounts

773

Number of Accounts for Regular Shares

30,014

All other shares

2,056

Non Member Deposits

Money Market Shares

1,540

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

650,089

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)

21,584,513

Total Liabilities

295,891,798

Source: NCUA — Last Updated 09/30/2025

2026 MBR Health & Safety Badge

FreeStar Financial Credit Union earned the Verified Healthy badge

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Customer Reviews

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

Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.

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 CD4.00%
Savings0.15%

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

Compare to Other Credit Unions

FreeStar Financial Credit Union Rates & Review August 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

FreeStar Financial Credit Union Texas Ratio

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FreeStar Financial Credit Union Checking Rates

FreeStar Financial Credit Union Mortgage Rates

FreeStar Financial Credit Union Home Equity & HELOC

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FreeStar Financial Credit Union Personal Loan Rates

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