Earn more with your money

A Certificate of Deposit (CD) allows you to earn a high, fixed interest rate for the length of time you select. FreeStar Financial Credit Union offers a wide variety of terms and ongoing specials.

Certificate of Deposit - Specials
Effective Date: September 1, 2018
TermMinimum BalanceInterest RateAPY*
13-Month Special** $500.00 2.031% 2.050%
18-Month Special $500.00 2.227% 2.250%
3-Year Bump CD** $5,000.00 1.980% 2.000%
5-Year Bump CD** $5,000.00 2.330% 2.350%
*APY = Annual Percentage Yield. APY is the total amount of dividends paid on an account, based on the dividend rate and the frequency of monthly compounding for a 365-day period, and expressed as a percentage.
**13-Month CD, 3 and 5-Year Bump CDs require NEW MONEY ONLY. Interest paid monthly.

Certificates of Deposit
Effective Date: September 1, 2018
TermMinimum BalanceInterest RateAPY*
Save to Win (1 year) $25.00 0.400% 0.400%
iSave Youth (1 Year) $25.00 0.400% 0.400%
Six Month $500.00 0.747% 0.750%
One Year $500.00 1.391% 1.400%
22-Month $500.00 2.129% 2.150%
Two Year $500.00 2.031% 2.050%
34-Month $500.00 2.472% 2.500%
Three Year $500.00 2.129% 2.150%
Four Year $500.00 2.227% 2.250%
Five Year $500.00 2.472% 2.500%
*APY = Annual Percentage Yield. APY is the total amount of dividends paid on an account, based on the dividend rate and the frequency of monthly compounding for a 365-day period, and expressed as a percentage.

I'm Interested

Types of CDs to choose from:

Standard CDs

  • It only takes $500 to get started on a regular CD. (Special certificates may have a higher or lower minimum starting amount.)
  • Regular certificates will automatically renew on their maturity date for the same term or like term, at the current rate. 
  • Members receive a 10-day grace period to withdraw or make changes before a penalty will apply.
  • FreeStar Financial also offers IRA CDs.

Save to Win CD

Earn interest on your money and increase your chances of winning monthly and quarterly cash prizes.

  • $25 to open the account
  • Make deposits anytime
  • No minimum deposit after account opening
  • 12-month term of certificate
  • Must be 18 years or older
  • Legal resident of the state of Michigan
  • All deposits must be made while in the state of Michigan
  • One CD per member among any credit union that participates in Save to Win program
  • Monthly cash prizes

Learn More

iSave CD

A great way for kids to start saving and a chance to win an annual prize.

  • $25 to open the account
  • Make deposits anytime
  • No minimum deposit after account opening
  • 12-month term of certificate
  • Designed for kids 17 years old and younger
  • Annual prize

Learn More