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Loan Rates

Fixed Rate Mortgages
Effective Date: June 1, 2018
TypePointsRate 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
TypeAPR*
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
TypePointsAPR* 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
TypeTermAPR*
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
TypeTermAPR*
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
TypeTermAPR*
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
TypeTermAPR*
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
TypeMinimum BalanceDividend RateAPY*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
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%
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
TermMinimum BalanceInterest RateAPY*
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 BalanceDividend RateAPY*
$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 BalanceDividend RateAPY*
$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.

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