We offer low-interest loans and high-interest savings

Loan Rates

Fixed Rate Mortgages
Effective Date: October 4, 2018
TypePointsRate As Low As
10 Year Fixed 0 4.250%
15 Year Fixed 0 4.375%
20 Year Fixed 0 4.625%
30 Year Fixed 0 4.875%
*A loan of $150,000 at 4.625% for 30 years would have a monthly payment of $771.21. Promotional rate is subject to change at any time without notice. Equal opportunity lender. NMLS #411386

Adjustable Rate Mortgages
Effective Date: October 4, 2018
TypeAPR* As Low As
3 Year 4.500%
5 Year 4.500%
7 Year 4.625%
*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 4.000% for $100,000 (20% down/80% LTV) would have a monthly payment of $477.42.

Home Equity Line of Credit
Effective Date: October 4, 2018
TypeAPR*
Adjustable every 5 years 5.250%
*A fully protected loan of $25,000 at 5.00% APR for 180 months would have a monthly payment of $198.00. Promotional rate is subject to change at any time without notice. Equal opportunity lender. NMLS #411386

VA Mortgage
Effective Date: October 4, 2018
TypePointsAPR* As Low As
10 Year Fixed 0 4.250%
15 Year Fixed 0 4.250%
20 Year Fixed 0 4.500%
30 Year Fixed 0 4.625%
*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 4.375% APR for 30 years would have a monthly payment of $748.93. Promotional rate is subject to change at any time without notice. Equal opportunity lender. NMLS #411386

New or Used Vehicles
Effective Date: October 1, 2018
TypeTermAPR* As Low As
Auto Loan (2016-2018) Up to 36 months 2.740%
Auto Loan (2016-2018) Up to 60 months 2.990%
Auto Loan (2016-2018) Over $15,000 Up to 72 months 3.240%
Auto Loan (2016-2018) Over $25,000 Up to 84 months 3.490%
Used Auto (2013-2015) Up to 60 months 3.240%
Used Auto (2013-2015) Over $15,000 Up to 72 months 3.490%
Used Auto (2013-2015) Over $25,000 Up to 84 months 3.740%
Used Auto Loan - 2009-2012 Up to 60 months 3.490%
Used Auto Loan - 2009-2012 (over $15,000) Up to 72 months 3.740%
Used Auto Loan - 2009-2012 (over $25,000) Up to 84 months 4.490%
Used Auto Loan (2008 and older) Up to 60 months 4.740%
Used Auto (2008 and older) Over $15,000 Up to 72 months 4.990%
*APR=Annual Percentage Rate. Rate is “as low as” and may change based on credit history, term and other determining factors. Payment example: A loan of $15,000.00 at 2.99% for 60 months would have a payment of $269.79. Rate is subject to change at any time without notice. Equal Opportunity Lender.
**Members with checking account with direct deposit may be eligible for a loan discount of 0.25% APR.

Campers and Motor Homes
Effective Date: October 1, 2018
TypeTermAPR* As Low As
Fixed under $25,000 Up to 84 months 4.740%
Fixed above $25,000 (term ineligible for CL/CD) Up to 144 months 4.990%
Fixed above $25,000 (term ineligible for CL/CD) Up to 180 months 5.240%
*APR=Annual Percentage Rate. Rate is “as low as” and may change based on credit history, term and other determining factors. Payment example: A loan of $20,000 at 4.74% APR for 84 months would have a payment of $280.79. Rate is subject to change at any time without notice. Equal Opportunity Lender.

 

Marine (Non-personal watercraft)
Effective Date: October 1, 2018
TypeTermAPR*
Fixed Up to 84 months 4.490%
Fixed above $25,000 (term ineligible for CL/CD) Up to 144 months 4.740%
Fixed above $25,000 (term ineligible for CLCD) Up to 180 months 4.990%
*APR=Annual Percentage Rate. Rate is “as low as” and may change based on credit history, term and other determining factors. Payment example: A loan of $20,000.00 at 4.49% for 84 months would have a payment of $278.43. Rate is subject to change at any time without notice. Equal Opportunity Lender.

Motorcycle, Jet Ski, Snowmobile, and ATVs
Effective Date: October 1, 2018
TypeTermAPR* As Low As
Fixed Up to 60 months 4.240%
Fixed Up to 72 months 4.490%
Fixed over $10,000 Up to 84 months 4.740%
*APR=Annual Percentage Rate. Rate is “as low as” and may change based on credit history, term and other determining factors. Payment example: A loan of $10,000 at 4.24% APR for 60 months would have a payment of $185.57. Rate subject to change at any time without notice. Equal Opportunity Lender.

Mobile Homes
Effective Date: October 1, 2018
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.

Our Visa Classic Card features a low interest rate 12.90% APR* and available credit limits between $500 and $15,000

With our Visa Classic Card you can transfer your higher interest credit card balances without balance transfer fees.

Benefits of having our Visa card

  • No balance transfer fees
  • No annual fee
  • Low APR (annual percentage rate)
  • Accepted worldwide
  • Spending flexibility
  • Fraud protection
  • Superior member service
  • Safer than carrying cash
  • Smart to have for emergencies
  • Builds credit
  • Same rate for purchases and balance transfers

Our Visa Platinum Card has the lowest rate at 9.50% APR* and available credit limits between $5,000 and $15,000

With our Visa Platinum Card you can transfer your higher interest credit card balances without balance transfer fees.

To qualify for the Visa Platinum Card you must have a minimum credit score of 660.

Benefits of having our Visa card

  • No balance transfer fees
  • No annual fee
  • Low APR (annual percentage rate)
  • Accepted worldwide
  • Spending flexibility
  • Fraud protection
  • Superior member service
  • Safer than carrying cash
  • Smart to have for emergencies
  • Builds credit
  • Same rate for purchases and balance transfers

We are pleased to introduce the Visa One Card. With no previous credit history and no co-signer needed, you'll be on your way to freedom with our Visa One Card.

Our Visa One card has a maximum credit limit of $500.00 and competitive rate of 15.90% APR*.

How do I qualify for a Visa One Card?

To qualify you need to show 6 months of employment in your current position and be a member of the credit union for one year or more.

After 12 months of good repay history on the VISA One credit card, the member is eligible to reapply to upgrade to one of our other VISA products at a lower Annual Percentage Rate (APR) interest of 12.90% or 9.50%. 

*APR=Annual Percentage Rate. Payment example: A Visa with an outstanding balance of $500 would have a minimum payment requirement of $25.00.

Personal Loan
Effective Date: October 1, 2018
TypeTermAPR* As Low As
Unsecured up to $15,000 Up to 60 months 8.990%
Unsecured $15,001 - $25,000 Up to 60 months 9.990%
Minimum loan $300. Total aggregate of $25,000 unsecured debts per borrower, $50,000 per joint borrower.
*APR=Annual Percentage Rate. Rate is “as low as” and may change based on credit history, term and other determining factors. Payment example: A loan of $5,000.00 at 8.99% APR for 60 months would have a monthly payment of $104.14. Rate is subject to change at any time without notice. Equal opportunity lender.
Please call 586-466-7800 opt. 3 for more rates or to qualify.

When you need cash on the go for any reason, our Revolving Line of Credit may be the best choice for you. You can borrow and repay the loan with low fixed monthly payments. Access your line of credit whenever you need it!

Your line of credit can be used as overdraft protection attached to your checking account and debit card at FreeStar Financial. With revolving credit lines up to $15,000, you'll always have a safety net for unexpected expenses.

Our Line of Credit has a maximum credit limit of $15,000.00 and competitive rate of 9.99% APR*.

*APR=Annual Percentage Rate. Payment example: A Line of Credit with an outstanding balance of $1,000 would have a minimum payment requirement of $20.00.

 

Savings Rates

Savings Accounts
Effective Date: October 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%.

Certificate of Deposit - Specials
Effective Date: October 4, 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** $500.00 1.980% 2.000%
5-Year Bump CD** $500.00 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: October 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.

 

Money Management Accounts
Effective Date: October 1, 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: October 1, 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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