Make their dreams come true!

Need cash now for a Christmas, a vacation, home repairs or any other needs?

Choose a FreeStar Financial Personal Loan! Fast and Easy -- No collateral required. Get your approval within an hour!  You may qualify for a loan up to $25,000.


Choose a Home Equity Line of Credit (HELOC). Using the equity in your home, this low-interest loan can be used for:

  • Debt Consolidation
  • Home Improvements
  • College Tuition
  • Wedding Expenses
  • Vacation
  • Rainy day fund
  • The sky's the limit!

Benefits of a FreeStar Financial HELOC include:

  • Borrow up to 95% of your home's value
  • No annual fee
  • No minimum draw required
  • No prepayment penalties

The HELOC rate is guaranteed for 5 years and adjusts every 5 years after that. There is a 10-year period to withdraw funds and monthly payments are calculated based on a 15- year repayment. You only pay on what you borrow. A HELOC is a great safety net to carry you through life.

Apply online, call 586-466-7800 opt. 3 or visit one of our branches today!

Personal Loan
Effective Date: January 1, 2019
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.

Do you have medical bills, high-interest installment loans or credit cards?

Choose the FreeStar Financial Debt Buster Loan to consolidate your debts and lower your monthly payments. Choose a fixed-rate debt consolidation loan to pay off your bills faster and potentially save you thousands! With interest rates as low as 9.74% APR* and terms up to 60 months, you may qualify for a loan up to $25,000.

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.

Home Equity Line of Credit
Effective Date: January 1, 2019
Adjustable every 5 years 5.500%
*A loan of $25,000 at 5.50% APR for 180 months would have a monthly payment of $204.00. Promotional rate is subject to change at any time without notice. Equal opportunity lender. NMLS #411386

Apply Now

*Credit limits and terms are determined by qualifying factors such as income, credit score, and repayment history of the borrower(s). Maximum loan limit for fixed credit terms are $25,000 and based on eligibility. Revolving credit lines are limited to a maximum of $25,000 per borrower based upon eligibility.

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FreeStar Financial Credit Union will contact you for additional information to best serve your financial needs. The Credit Union may obtain a credit report to better identify areas in which you could receive better interest rates and potentially save money. All credit offers will be subject to credit score and complete analysis. FreeStar Financial Credit Union will not share information with other organizations.

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