We offer low interest loans and high interest savings
Loan Rates
| Fixed Rate Mortgages | ||
| Effective Date: June 1, 2018 | ||
| Type | Points | Rate As Low As |
| 10 Year Fixed | 0 | 4.00% |
| 15 Year Fixed | 0 | 4.25% |
| 20 Year Fixed | 0 | 4.38% |
| 30 Year Fixed | 0 | 4.75% |
| *A loan of $150,000 at 4.75% for 30 years would have a monthly payment of $782.47. Promotional rate is subject to change at any time without notice. Equal opportunity lender. NMLS #411386 | ||
| Adjustable Rate Mortgages | |
| Effective Date: June 1, 2018 | |
| Type | APR* |
| 3 Year | 3.875% |
| 5 Year | 4.375% |
| 7 Year | 4.500% |
| *APR = Annual Percentage Rate. Rate is “as low as” and may change based on credit history, collateral, term, and other determining factors. NMLS#411386 | |
| Home Equity Line of Credit | |
| Effective Date: June 01, 2018 | |
| APR* | Type |
| As low as 5.000% APR | Adjustable every 5 years |
| *A fully protected loan of $50,000 at 4.50% APR for 180 months would have a monthly payment of $382.52. Promotional rate is subject to change at any time without notice. Equal opportunity lender. NMLS #411386 | |
| VA Mortgage | ||
| Effective Date: June 1, 2018 | ||
| Type | Points | APR* As Low As |
| 10 Year Fixed | 0 | 4.00% |
| 15 Year Fixed | 0 | 4.13% |
| 20 Year Fixed | 0 | 4.25% |
| 30 Year Fixed | 0 | 4.50% |
| *APR = Annual Percentage Rate. Rate is “as low as” and may change based on credit history, collateral, term, and other determining factors. A loan of $150,000 at 4.50% APR for 30 years would have a monthly payment of $760.03. Promotional rate is subject to change at any time without notice. Equal opportunity lender. NMLS #411386 | ||
| New or Used Vehicles | ||
| Effective Date: June 12, 2018 | ||
| Type | Term | APR* |
| Auto Loan (2016-2018) | Up to 36 months | 2.74% |
| Auto Loan (2016-2018) | Up to 60 months | 2.99% |
| Auto Loan (2016-2018) Over $15,000 | Up to 72 months | 3.24% |
| Auto Loan (2016-2018) Over $25,000 | Up to 84 months | 3.49% |
| Used Auto (2013-2015) | Up to 60 months | 3.24% |
| Used Auto (2013-2015) Over $15,000 | Up to 72 months | 3.49% |
| Used Auto (2013-2015) Over $25,000 | Up to 84 months | 3.74% |
| Used Auto Loan - 2009-2012 | Up to 60 months | 3.49% |
| Used Auto Loan - 2009-2012 (over $15,000) | Up to 72 months | 3.74% |
| Used Auto Loan - 2009-2012 (over $25,000) | Up to 84 months | 4.49% |
| Used Auto Loan (2008 and older) | Up to 60 months | 4.74% |
| Used Auto (2008 and older) Over $15,000 | Up to 72 months | 4.99% |
| *APR=Annual Percentage Rate. Rate is “as low as” and may change based on credit history, term and other determining factors. NEW MONEY ONLY, CURRENT FREESTAR FINANCIAL LOANS ARE NOT ELIGIBLE. Payment example: A fully protected loan (with credit life and credit disability) of $15,000.00 at 2.49% for 39 months would have a payment of $435.02. Members must take credit life and credit disability or have a checking account with direct deposit to qualify for promotional rate, which is subject to change at any time without notice. Equal Opportunity Lender. | ||
| RVs, Campers and Motor Homes | ||
| Effective Date: June 01, 2018 | ||
| Type | Term | APR* |
| Fixed under $25,000 | Up to 84 months | 4.49% |
| Fixed above $25,000 (term ineligible for CL/CD) | Up to 144 months | 4.74% |
| Fixed above $25,000 (term ineligible for CL/CD) | Up to 180 months | 4.99% |
| *APR=Annual Percentage Rate. Rate is “as low as” and may change based on credit history, term and other determining factors. NEW MONEY ONLY, CURRENT FREESTAR FINANCIAL LOANS ARE NOT ELIGIBLE. Payment example: A fully protected loan of $20,000 at 4.49% APR for 84 months would have a payment of $309.75 with credit life and credit disability. Members must take credit life and credit disability OR have an active FreeStar Financial checking account with direct deposit to qualify for promotional rate, which is subject to change at any time without notice. Equal Opportunity Lender. | ||
| Marine (Non-personal watercraft) | ||
| Effective Date: June 01, 2018 | ||
| Type | Term | APR* |
| Fixed | Up to 84 months | 4.24% |
| Fixed above $25,000 (term ineligible for CL/CD) | Up to 144 months | 4.49% |
| *APR=Annual Percentage Rate. Rate is “as low as” and may change based on credit history, term and other determining factors. NEW MONEY ONLY, CURRENT FREESTAR FINANCIAL LOANS ARE NOT ELIGIBLE. Payment example: A fully protected loan (with credit life and credit disability) of $25,000.00 at 4.24% for 84 months would have a payment of $383.91. Members must take credit life and credit disability or have an active FreeStar Financial checking account with direct deposit to qualify for promotional rate, which is subject to change at any time without notice. Equal Opportunity Lender. | ||
| Fixed above $25,000 (term ineligible for CLCD) | Up to 180 months | 4.99% |
| Motorcycle, Jet Ski, Snowmobile, and ATVs | ||
| Effective Date: June 01, 2018 | ||
| Type | Term | APR* |
| Fixed | Up to 60 months | 3.99% |
| Fixed | Up to 72 months | 4.24% |
| Fixed over $10,000 | Up to 84 months | 4.49% |
| *APR=Annual Percentage Rate. Rate is “as low as” and may change based on credit history, term and other determining factors. NEW MONEY ONLY, CURRENT FREESTAR FINANCIAL LOANS ARE NOT ELIGIBLE. Payment example: A fully protected loan of $10,000 at 3.99% APR for 60 months would have a payment of $201.27 with credit life and credit disability. Members must take credit life and credit disability OR have a checking account with direct deposit to qualify for promotional rate, which is subject to change at any time without notice. Equal Opportunity Lender. | ||
Savings Rates
| Savings Accounts | ||||
| Effective Date: June 1, 2018 | ||||
| Type | Minimum Balance | Dividend Rate | APY* | Dividend Paid |
| Regular Share Savings | $10.00 | 0.200% | 0.200% | Qtrly |
| Special Savings | $0.00 | 0.200% | 0.200% | Qtrly |
| Individual Retirement Account (IRA) | $250.00 | 0.500% | 0.500% | Qtrly |
| IRA Rollover | N/A | 0.500% | 0.500% | Qtrly |
| Christmas Club | N/A | 0.200% | 0.200% | Mo |
| Vacation Club | $0.00 | 0.200% | 0.200% | Qtrly |
| *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%. | ||||
| Certificates of Deposit | |||
| Effective Date: June 01, 2018 | |||
| Term | Minimum Balance | Interest Rate | APY* |
| 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% |
| Two Year | $500.00 | 2.031% | 2.050% |
| 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. | |||
| Certificate of Deposit - Specials | |||
| Effective Date: June 01, 2018 | |||
| Term | Minimum Balance | Interest Rate | APY* |
| 12-Month Special | $500.00 | 1.391% | 1.400% |
| 18-Month Special | $500.00 | 1.884% | 1.900% |
| 22-Month Special | $500.00 | 2.129% | 2.150% |
| 34-Month Special | $500.00 | 2.472% | 2.500% |
| 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. | |||
| 3 and 5-Year Bump CDs require NEW MONEY ONLY. Interest paid monthly. | |||
| Money Management Accounts | ||
| Effective Date: June 01, 2018 | ||
| Minimum Balance | Dividend Rate | APY* |
| $1,000 to $2,499.99 | 0.100% | 0.100% |
| $2,500 to $4,999.99 | 0.200% | 0.200% |
| $5,000 to $24,999.99 | 0.250% | 0.250% |
| $25,000 to $149,999.99 | 0.300% | 0.300% |
| $150,000 and up | 0.350% | 0.350% |
| *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. Dividends paid monthly. | ||
| Money Management Account - Diamond Special | ||
| Effective Date: June 01, 2018 | ||
| Minimum Balance | Dividend Rate | APY* |
| $75,000.00 | 0.747% | 0.750% |
| *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. Minimum amount to open is $75,000 new money only. If balance falls below $75,000 APY will be 0.00%. Dividends paid monthly. | ||