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Home Improvement Solutions

Personal Loans

Make all your dreams come true with our low-rate personal loan. With a one-hour loan approval, you’ll be on your way quickly!Personal Loans with FreeStar Financial CU.

Need fast cash for home repairs or vehicle repair?

Choose our signature loan! FAST and EASY -- No collateral required.   With rates as low as 9.74% APR* and terms up to 60 months, you may qualify for a loan up to $25,000.*

*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.

Home Equity Line of CreditPersonal Loans with FreeStar Financial CU.

Whatever you need to GET DONE...you can do it with FreeStar Financial Credit Union's low-interest Home Equity Line of Credit (HELOC). Great to use for:

  • Debt Consolidation
  • Home Improvements
  • College Tuition
  • Wedding Expenses
  • Vacation

The HELOC rate is guaranteed for 5 years and adjusts every 5 years after that. There is a 10-year draw period 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 in case of big life events.

Mortgage RefinancePersonal Loans with FreeStar Financial CU.

FreeStar Financial offers a variety of terms to choose from when financing or refinancing your home.

  • 10-, 15-, 20- and 30-year fixed rate mortgages
  • 3-, 5-, and 7-year Adjustable Rate Mortgages (ARMs)

When looking for a new house, the last thing you need to worry about is whether you’re getting a good value on your mortgage. At FreeStar Financial, our star team of mortgage experts remove that worry by guiding you through each step of the process. In addition, because our local mortgage team makes all loan decisions, our closing process is quick.

Take Your Dreams Higher with home loan rates and service that really shines. We service your mortgage for life.

Visa Credit CardPersonal Loans with FreeStar Financial CU.

FreeStar Financial Visa cards are designed to give you more financial freedom and flexibility.  No confusing terms.  No hidden fees.  Just three great card options, with perks, purchasing power and convenience, all backed by exceptional member service.  Which one is right for you?

  • Visa PLATINUM -- 9.50% APR* (Credit limit between $5,000 and $15,000)
  • Visa CLASSIC -- 12.90% APR* (Credit limit between $500 and $15,000)
  • Visa ONE -- 15.90% APR* ($500 credit limit) -- perfect for first-time borrowers with no credit score

Rates

Signature Loan
Effective Date: February 01, 2018
TermAPR*
Minimum loan $300. Total aggregate of $25,000 unsecured
Up to 60 months 9.740%
*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 $5,000.00 at 9.74% for 60 months would have a monthly payment of $106.01. Members must take credit life and disability or have a checking account with direct deposit to qualify for promotional rate. Promotional 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.

Home Equity Line of Credit
Effective Date: February 22, 2018
APR*Type
As low as 4.50% 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

Fixed Rate Mortgages
Effective Date: February 22, 2018
TypePointsRate As Low As
10 Year Fixed 0 3.625%
10 Year Fixed 1 3.500%
10 Year Fixed 2 3.375%
15 Year Fixed 0 3.750%
15 Year Fixed 1 3.625%
15 Year Fixed 2 3.500%
20 Year Fixed 0 4.125%
20 Year Fixed 1 4.000%
20 Year Fixed 2 3.875%
30 Year Fixed 0 4.500%
30 Year Fixed 1 4.375%
30 Year Fixed 2 4.250%
*A loan of $100,000 at 3.750% for 180 months would have a monthly payment of $727.22. Promotional rate is subject to change at any time without notice. Equal opportunity lender. NMLS #411386

Adjustable Rate Mortgages
Effective Date: February 22, 2018
Minimum BalanceAPR*
3 Year 3.500%
5 Year 4.000%
7 Year 4.375%
*APR = Annual Percentage Rate. Rate is “as low as” and may change based on credit history, collateral, term, and other determining factors. NMLS#411386

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