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Savings Accounts
Effective Date: Thursday, April 25th, 2024
TypeMinimum BalanceDividend RateAPY*Dividend Paid
Regular Share Savings $10.00 0.150% 0.150% Qtrly
Regular Share Savings Dividend Rate only applies to balances over $100.
Special Savings $0.00 0.150% 0.150% Qtrly
Special Savings Dividend Rate only applies to balances over $100.
Individual Retirement Account (IRA) $250.00 0.500% 0.500% Qtrly
IRA Rollover N/A 0.500% 0.500% Qtrly
Christmas Club N/A 0.150% 0.150% Mo
Christmas Club Dividend Rate only applies to balances over $100.
Vacation Club $0.00 0.150% 0.150% Qtrly
Vacation Club Dividend Rate only applies to balances over $100.
*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.
**To earn dividend, members must qualify each month by doing the following: 1) use debit card 15 times or more for purchases, 2) be enrolled in eStatements, and 3) Incur at least one electronic transaction processed through the checking account (incoming, such as direct deposit, or outgoing, such as paying a bill). Dividends paid monthly on balances up to $10,000.  Balances over $10,000 earn .05%.

 

 

 

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Money Management Accounts
Effective Date: Thursday, April 25th, 2024
Minimum BalanceDividend RateAPY*
$1,000 to $5,000.00 0.100% 0.100%
$5,000 to $49,999 0.250% 0.250%
$50,000 to $74,999 0.449% 0.450%
$75,000 to $99,999 0.549% 0.550%
$100,000 to 149,999 0.598% 0.600%
$150,000 + 0.698% 0.700%
*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. Dividends paid monthly.

 

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Certificates of Deposit
Effective Date: Thursday, April 25th, 2024
TermMinimum BalanceInterest RateAPY*Military RateMilitary APY**
Save to Win (1 year) $25.00 2.960% 3.000% 3.9280% 4.000%
iSave Youth (1 Year) $25.00 2.960% 3.000% 2.9600% 3.000%
Six Month $500.00 2.472% 2.500% 3.4460% 3.500%
One Year $500.00 2.960% 3.000% 3.9280% 4.000%
Two Year $500.00 3.057% 3.100% 4.0250% 4.100%
Three Year $500.00 3.154% 3.200% 4.1210% 4.200%
Four Year $500.00 3.300% 3.350% 4.2660% 4.350%
Five Year $500.00 3.445% 3.500% 4.4100% 4.500%
*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.
**MILITARY APY: Qualified Military Members receive a 1% rate increase on all CDs, excluding iSave. Eligible members include Active Duty, Veterans, and Retirees. Direct deposit must be in the name of the military member. Direct deposit must be a minimum total of $1,100 per month and must also post to your checking account to qualify. Rates subject to change at any time without notice.
Military Status Verification: For non-members wishing to avail the military rate, verification of military status is required. Acceptable proof includes: Military ID, Retirement ID, Paystubs for military pay, or DD214 (Certificate of Release or Discharge from Active Duty). Terms and conditions apply.

 

 

 

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New or Used Vehicles
Effective Date: Thursday, April 25th, 2024
Model YearTermAPR* As Low AsMilitary APY**
New & Used Vehicle Up to 36 Months 6.490% 5.490%
  Up to 60 Months 6.740% 5.740%
  Up to 72 Months > $15k 6.990% 5.990%
  Up to 84 Months > $25k 7.740% 6.740%
  Up to 96 Months > $30k 7.990% 6.990%
*APR=Annual Percentage Rate. Rate is “as low as” and may change based on credit history, term, and other determining factors. The “as low as” rate of 6.49% APR includes discounts for Payment Protection coverage OR active checking with a full payroll direct deposit of $1,100 per month. Payment example: A loan of $20,000 at 6.49% APR for 60 months would have a monthly payment of $391.23. 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
MILITARY RATE DISCOUNT TERMS: Eligibility for a 1% rate discount on certain loan products, excluding Mortgages, Holiday Loans, Visa Cards, Business Loans, Courtesy Pay loans, and the Military Line of Credit. This offer is available to Active Duty, Veterans, and Retirees. To qualify, military members must establish direct deposits in their name totaling at least $1,100 per month into their checking account. 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, Paystubs for military pay, or DD214 (Certificate of Release or Discharge from Active Duty). Terms and conditions apply.
**Military Status Verification: For non-members wishing to avail the military rate, verification of military status is required. Acceptable proof includes: Military ID, Retirement ID, Paystubs for military pay, or DD214 (Certificate of Release or Discharge from Active Duty). Terms and conditions apply.

 

 

 

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Power Sports (Jet Ski, ATVs, & Snowmobiles)
Effective Date: Thursday, April 25th, 2024
Type TermAPR* As Low As
Fixed   Up to 60 months 7.740%
Fixed   Up to 72 months 7.990%
Fixed over Over $10,000 Up to 84 months 8.240%
*APR=Annual Percentage Rate. 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 full payroll direct deposit of $1,100 per month. Payment example: A loan of $10,000 at 7.74% for 60 months would have a payment of $201.52. Rate subject to change at any time without notice. Equal Opportunity Lender.
MILITARY RATE DISCOUNT TERMS: Eligibility for a 1% rate discount on certain loan products, excluding Mortgages, Holiday Loans, Visa Cards, Business Loans, Courtesy Pay loans, and the Military Line of Credit. This offer is available to Active Duty, Veterans, and Retirees. To qualify, military members must establish direct deposits in their name totaling at least $1,100 per month into their checking account. Discount subject to qualification and can change without notice. FreeStar Financial is an Equal Opportunity Lender.
**Military Status Verification: Verification of military status is required. Acceptable proof includes Military ID, Retirement ID, Paystubs for military pay, or DD214 (Certificate of Release or Discharge from Active Duty). Terms and conditions apply.

 

 

 

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Motorcycles
Effective Date: Thursday, April 25th, 2024
Type TermAPR* As Low As
Fixed   Up to 60 Months 7.740%
Fixed   Up to 72 Months 7.990%
Fixed Over $10,000 Up to 84 Months 8.240%
Fixed Over $30,000 Up to 120 Months 8.740%
*APR=Annual Percentage Rate. 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 full payroll direct deposit of $1,100 per month. Payment example: A loan of $10,000 at 7.74% for 60 months would have a payment of $201.52. Rate subject to change at any time without notice. Equal Opportunity Lender.
MILITARY RATE DISCOUNT TERMS: Eligibility for a 1% rate discount on certain loan products, excluding Mortgages, Visa Cards, Business Loans, Courtesy Pay loans, and the Military Line of Credit. This offer is available to Active Duty, Veterans, and Retirees. To qualify, military members must establish direct deposits in their name totaling at least $1,100 per month into their checking account. Discount subject to qualification and can change without notice. FreeStar Financial is an Equal Opportunity Lender.
**Military Status Verification: For non-members wishing to avail the military rate, verification of military status is required. Acceptable proof includes: Military ID, Retirement ID, Paystubs for military pay, or DD214 (Certificate of Release or Discharge from Active Duty). Terms and conditions apply.

 

 

 

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Marine (Non-personal watercraft)
Effective Date: Thursday, April 25th, 2024
TypeTermAPR*
Fixed Up to 84 months 7.740%
Fixed above $25,000 (term ineligible for CL/CD) Up to 144 months 8.240%
Fixed above $25,000 (term ineligible for CL/CD) Up to 180 months 8.490%
Fixed above $75,000 (term ineligible for CL/CD) Up to 240 months 8.740%
*APR=Annual Percentage Rate. 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 full payroll direct deposit of $1,100 per month. Payment example: A loan of $20,000 at 7.24% APR for 84 months would have a payment of $304.21. Rate is subject to change at any time without notice. Equal Opportunity Lender.
MILITARY RATE DISCOUNT TERMS: Eligibility for a 1% rate discount on certain loan products, excluding Mortgages, Holiday Loans, Visa Cards, Business Loans, Courtesy Pay loans, and the Military Line of Credit. This offer is available to Active Duty, Veterans, and Retirees. To qualify, military members must establish direct deposits in their name totaling at least $1,100 per month into their checking account. Discount subject to qualification and can change without notice. FreeStar Financial is an Equal Opportunity Lender.
**Military Status Verification: Verification of military status is required. Acceptable proof includes Military ID, Retirement ID, Paystubs for military pay, or DD214 (Certificate of Release or Discharge from Active Duty). Terms and conditions apply.

 

 

 

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Campers and Motor Homes
Effective Date: Thursday, April 25th, 2024
TypeTermAPR* As Low As
Fixed under $25,000 Up to 84 months 7.740%
Fixed above $25,000 (term ineligible for CL/CD) Up to 144 months 7.990%
Fixed above $25,000 (term ineligible for CL/CD) Up to 180 months 8.240%
*APR=Annual Percentage Rate. 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 full payroll direct deposit of $1,100 per month. Payment example: A loan of $20,000 at 7.74% APR for 84 months would have a payment of $309.15. Rate is subject to change at any time without notice. Equal Opportunity Lender.
*APR=Annual Percentage Rate. Rate is “as low as” 8.49% and may change based on credit history, term, and other determining factors. Payment example: A loan of $5,000.00 at 8.49% APR for 24 months would have a monthly payment of $226.70. "As low as" rate includes discounts for Payment Protection coverage OR active checking with a full payroll direct deposit of $1,100 per month. Loan terms up to 24 months can be extended for Payment Protection. APR may be higher, based on the term of the loan, and credit score. New money only. Rates are subject to change at any time.
MILITARY RATE DISCOUNT TERMS: Eligibility for a 1% rate discount on certain loan products, excluding Mortgages, Holiday Loans, Visa Cards, Business Loans, Courtesy Pay loans, and the Military Line of Credit. This offer is available to Active Duty, Veterans, and Retirees. To qualify, military members must establish direct deposits in their name totaling at least $1,100 per month into their checking account. Discount subject to qualification and can change without notice. FreeStar Financial is an Equal Opportunity Lender.
**Military Status Verification: Verification of military status is required. Acceptable proof includes Military ID, Retirement ID, Paystubs for military pay, or DD214 (Certificate of Release or Discharge from Active Duty). Terms and conditions apply.

 

 

 

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Personal Loan
Effective Date: Thursday, April 25th, 2024
TypeTermAPR* As Low As
Unsecured up to $15,000 Up to 24 months 10.740%
Unsecured up to $15,000 Up to 60 months 12.740%
Unsecured $15,001 - $25,000 Up to 60 months 12.740%
Unsecured $15,001 - $25,000 61-72 months 13.240%
Minimum loan $1000. Total aggregate of $25,000 unsecured debts per borrower, $50,000 per joint borrower.
**APR=Annual Percentage Rate. Rate is “as low as” 10.74% and may change based on credit history, term, and other determining factors. Payment example: A loan of $15,000.00 at 10.74% APR for 24 months would have a monthly payment of $737.80. “As low as” rate includes discounts for Payment Protection coverage OR active checking with a full payroll direct deposit of $1,100 per month. Loan terms can be extended for Payment Protection. New money only. Rates are subject to change at any time .©2024 FreeStar Financial Credit Union. 
"As low as" rate includes discounts for Payment Protection coverage OR active checking with a full payroll direct deposit of $1,100 per month. Loan terms up to 24 months can be extended for Payment Protection. APR may be higher, based on the term of the loan, and credit score. New money only. Rates are subject to change at any time.
Please call 586-466-7800 opt. 3 for more rates or to qualify.
MILITARY RATE DISCOUNT TERMS: Eligibility for a 1% rate discount on certain loan products, excluding Mortgages, Holiday Loans, Visa Cards, Business Loans, Courtesy Pay loans, and the Military Line of Credit. This offer is available to Active Duty, Veterans, and Retirees. To qualify, military members must establish direct deposits in their name totaling at least $1,100 per month into their checking account. Discount subject to qualification and can change without notice. FreeStar Financial is an Equal Opportunity Lender.
*Military Status Verification: For non-members wishing to avail the military rate, 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.

 

 

 

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Mobile Homes
Effective Date: Thursday, April 25th, 2024
TypeTermAPR* As Low As
New Homes - 10% down payment required Up to 180 months 7.000%
Used Homes - 20% down payment required Max 15 years above home's age 8.000%
New requires 10% down, up to 180 months; Used required 20% down, maturity not to exceed 15 years of age. Payment example: $30,000 at 7% APR for 180 months would have a payment of $270.46 per month.
MILITARY RATE DISCOUNT TERMS: Eligibility for a 1% rate discount on certain loan products, excluding Mortgages, Visa Cards, Business Loans, Courtesy Pay loans, and the Military Line of Credit. This offer is available to Active Duty, Veterans, and Retirees. To qualify, military members must establish direct deposits in their name totaling at least $1,100 per month into their checking account. Discount subject to qualification and can change without notice. FreeStar Financial is an Equal Opportunity Lender.
**Military Status Verification: For non-members wishing to avail the military rate, verification of military status is required. Acceptable proof includes: Military ID, Retirement ID, Paystubs for military pay, or DD214 (Certificate of Release or Discharge from Active Duty). Terms and conditions apply.

 

 

 

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Share Secured
Effective Date: Thursday, April 25th, 2024
TypeTermAPR*
Secured by Credit Union Shares Flexible 3% above Savings Rate
MILITARY RATE DISCOUNT TERMS: Eligibility for a 1% rate discount on certain loan products, excluding Mortgages, Visa Cards, Business Loans, Courtesy Pay loans, and the Military Line of Credit. This offer is available to Active Duty, Veterans, and Retirees. To qualify, military members must establish direct deposits in their name totaling at least $1,100 per month into their checking account. Discount subject to qualification and can change without notice. FreeStar Financial is an Equal Opportunity Lender.
**Military Status Verification: For non-members wishing to avail the military rate, verification of military status is required. Acceptable proof includes: Military ID, Retirement ID, Paystubs for military pay, or DD214 (Certificate of Release or Discharge from Active Duty). Terms and conditions apply.

 

 

 

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Revolving Line of Credit
Effective Date: Thursday, April 25th, 2024
TypeTermAPR*
Line of Credit Open 10.990%
*APR=Annual Percentage Rate. As low as rate includes discounts for Payment Protection coverage OR active checking with a full payroll direct deposit of $1,100 per month. Payment example: A LOC with an outstanding balance of $1,000 would have a minimum payment requirement of 2% or $25.00.
MILITARY RATE DISCOUNT TERMS: Eligibility for a 1% rate discount on certain loan products, excluding Mortgages, Visa Cards, Business Loans, Courtesy Pay loans, and the Military Line of Credit. This offer is available to Active Duty, Veterans, and Retirees. To qualify, military members must establish direct deposits in their name totaling at least $1,100 per month into their checking account. Discount subject to qualification and can change without notice. FreeStar Financial is an Equal Opportunity Lender.
**Military Status Verification: For non-members wishing to avail the military rate, verification of military status is required. Acceptable proof includes: Military ID, Retirement ID, Paystubs for military pay, or DD214 (Certificate of Release or Discharge from Active Duty). Terms and conditions apply.

 

 

 

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VISA
Effective Date: Thursday, April 25th, 2024
TypeTermAPR*
VISA Platinum Open 9.500%
VISA Classic Open 12.900%
VISA One Card Open 15.900%
Heroes’ VISA Classic Open 11.900%
Heroes’ VISA Platinum Open 8.500%
*APR=Annual Percentage Rate. Payment example: A Visa with an outstanding balance of $1,000 would have a minimum payment requirement of 2% or $25.00. For the Visa One Card, the annual percentage rate is 15.90% and the minimum monthly payment is $25.
MILITARY RATE DISCOUNT TERMS: Eligibility for a 1% rate discount on certain loan products, excluding Mortgages, Holiday Loans, Visa Cards, Business Loans, Courtesy Pay loans, and the Military Line of Credit. This offer is available to Active Duty, Veterans, and Retirees. To qualify, military members must establish direct deposits in their name totaling at least $1,100 per month into their checking account. 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, Paystubs for military pay, or DD214 (Certificate of Release or Discharge from Active Duty). Terms and conditions apply.
The promotional Annual Percentage Rate (APR) of 3.99% applies to purchases and balance transfers with the Heroes' Rewards Visa Platinum and Classic cards for the first 90 days from account opening. Following the promotional period, the APR for the Heroes' Rewards Visa Platinum card will adjust to a standard rate of 8.50%, and the APR for the Heroes' Rewards Visa Classic card will adjust to 11.90%. Rates are subject to change at any time without notice.
For qualified members only. The promotional Annual Percentage Rate (APR) of 3.99% applies to purchases and balance transfers with the Heroes' Rewards Visa Platinum and Classic cards for the first 90 days from account opening. Following the promotional period, the APR for the Heroes' Rewards Visa Platinum card will adjust to a standard rate of 8.50%, and the APR for the Heroes' Rewards Visa Classic card will adjust to 11.90%. Rates are subject to change at any time without notice. Membership eligibility and credit qualification required. Terms and conditions apply.

 

 

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Adjustable Rate Mortgages
Effective Date: Thursday, April 25th, 2024
TypeAPR* As Low As
3 Year 5.625%
5 Year 5.875%
7 Year 6.125%
*APR = Annual Percentage Rate. Rate is “as low as” and may change based on credit history, collateral, term, and other determining factors. NMLS#411386
A 3-year ARM with an APR (annual percentage rate) as low as 5.625% for $100,000.00 (20% down/80% LTV) would have a monthly payment of $575.66.

 

 

 

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Home Equity Line of Credit
Effective Date: Thursday, April 25th, 2024
TypeAPR*
Adjusts every 5 years 8.5%
*For new Home Equity Line of Credit (HELOC) applications only. The promotional rate of 4.50% APR is offered for the first 12 months of the HELOC starting from the date the HELOC closes. Promotion excludes existing home equity products. This promotion offers a 4(four) percent discount on the member's qualifying rate for a period of 12 months. For example: A member qualifies for a 10.5% interest rate on their HELOC. With this product, that rate is now 6.5% for a period of 12 months. The qualifying criteria is the same as the existing HELOC product with the exception of a 4 (FOUR) percent discount being applied to the member’s qualifying rate of the HELOC they apply for. This promotional HELOC rate is valid for 12 months after which the rate will move to what the member would be initially qualified for during their application process. In the above example, 10.5% would be the rate that the loan gets moved to.
**APR = Annual Percentage Rate. A loan of $25,000 @ 8.5% for 180 months would have a monthly payment of $246. The promotional rate is subject to change at any time without notice. NMLS #411386
 *** Only applies on 2nd lien HELOCs when FreeStar Financial is in 1st lien position. Otherwise, 80% is the maximum.
MILITARY RATE DISCOUNT TERMS: Eligibility for a 1% rate discount on certain loan products, excluding Mortgages, Visa Cards, Business Loans, Courtesy Pay loans, and the Military Line of Credit. This offer is available to Active Duty, Veterans, and Retirees. To qualify, military members must establish direct deposits in their name totaling at least $1,100 per month into their checking account. Discount subject to qualification and can change without notice. FreeStar Financial is an Equal Opportunity Lender.
**Military Status Verification: Verification of military status is required. Acceptable proof includes Military ID, Retirement ID, Paystubs for military pay, or DD214 (Certificate of Release or Discharge from Active Duty). Terms and conditions apply.

 

 

 
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