This page uses JavaScript. Your browser either does not support JavaScript or you have it turned off. To see this page properly please use a JavaScript enabled browser.
FreeStar Financial Credit Union Go to main content
Account Login
VISA Login Apply for a Loan Join Today Loan Payments

Loan Rates

New or Used Vehicles
Effective Date: May 1, 2017
TermAPR*
Auto Loan (2015-2017) Up to 36 months 1.99%
Auto Loan (2015-2017) Up to 48 months 2.14%
Auto Loan (2015-2017) Up to 60 months 2.24%
Auto Loan (2015-2017) Over $15,000 Up to 72 months 2.74%
Auto Loan (2015-2017) Over $25,000 Up to 84 months 2.99%
Used Auto (2012-2014) Up to 60 months 2.49%
Used Auto (2012-2014) Over $15,000 Up to 72 month 2.99%
Used Auto (2012-2014) Over $25,000 Up to 84 months 3.24%
Used Auto Loan - 2008-2011 Up to 60 months 2.74%
Used Auto Loan - 2008-2011 (over $15,000) Up to 72 months 3.24%
Used Auto Loan - 2008-2011 (over $25,000) Up to 84 months 3.74%
Used Auto Loan (2007 and older) Up to 60 months 3.74%
Used Auto (2007 and older) Over $15,000 Up to 72 months 4.24%
Used Auto (2007 and older) Over $25,000 Up to 84 months 4.74%
*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 1.99% for 36 months would have a payment of $458.86. Without CL/CD, payment would be $428.24. 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.

Motorcycle, Jet Ski, Snowmobile, and ATVs
Effective Date: May 1, 2017
TermAPR*
Fixed Up to 60 months 3.74%
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 loan of $10,000.00 at 3.74% APR for 60 months would have a payment of $183.28, which assumes member has a checking account with direct deposit to qualify for promotional rate, which is subject to change at any time without notice. If member chooses Credit Life/Credit Disability, payment would be $199.48 for 60 months at 3.74% APR. Equal Opportunity Lender.

RV's, Campers and Motor Homes
Effective Date: May 19, 2017
TermAPR*
Fixed under $25,000 Up to 84 months 4.24%
Fixed above $25,000 (term ineligible for CL/CD) Up to 144 months 4.49%
Fixed above $25,000 (term ineligible for CL/CD) Up to 180 months 4.74%
*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 $20,000.00 at 4.24% APR for 84 months would have a payment of $276.06 (without Credit Life/Credit Disability, but with direct deposit). 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.

Signature Loan
Effective Date: May 1, 2017
TermAPR*
Minimum loan $300. Total aggregate of $15,000 unsecured
Up to 60 months 9.74%
*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.

Mobile Homes
Effective Date: April 1, 2017
TermAPR*
New Homes - 10% down payment required Up to 180 months

7.00%
Used Homes - 20% down payment required Max 15 years above home's age 8.00%
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.

Share Secured
Effective Date: May 1, 2017
TermAPR*
Secured by Credit Union Shares Variable 3% above Savings Rate
Secured by Certificate of Deposit Variable 3% above CD Rate

Revolving Credit
Effective Date: May 1, 2017
TypeTermAPR*
Line of Credit Open 9.99%
VISA Platinum Open 9.50%
VISA Classic Open 12.90%
Visa One Card Open 15.90%
*APR=Annual Percentage Rate. Payment example: A Visa with an outstanding balance of $1,000 would have a minimum payment requirement of 2% or $25.00. For the Visa One Card, the annual percentage rate is 15.90% and the minimum monthly payment is $25.

Fixed Rate Mortgages
Effective Date: May 1, 2017
TypePointsRate As Low As
10 Year Fixed 0 3.250%
10 Year Fixed 1 3.125%
10 Year Fixed 2 3.000%
15 Year Fixed 0 3.375%
15 Year Fixed 1 3.250%
15 Year Fixed 2 3.125%
20 Year Fixed 0 3.875%
20 Year Fixed 1 3.750%
20 Year Fixed 2 3.625%
30 Year Fixed 0 4.125%
30 Year Fixed 1 4.000%
30 Year Fixed 2 3.875%
*A loan of $100,000 at 3.125% for 180 months would have a monthly payment of $696.61. Promotional rate is subject to change at any time without notice. Equal opportunity lender. NMLS #411386

VA Mortgage
Effective Date: May 1, 2017
TypePointsAPR* As Low As
10 Year Fixed 0 3.250%
10 Year Fixed 1 3.125%
10 Year Fixed 2 3.000%
15 Year Fixed 0 3.250%
15 Year Fixed 1 3.125%
15 Year Fixed 2 3.000%
20 Year Fixed 0 3.750%
20 Year Fixed 1 3.625%
20 Year Fixed 2 3.500%
30 Year Fixed 0 3.875%
30 Year Fixed 1 3.750%
30 Year Fixed 2 3.625%
*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 loan of $100,000 at 3.875% for 30 years would have a monthly payment of $470.24. Promotional rate is subject to change at any time without notice. Equal opportunity lender. NMLS #411386

Adjustable Rate Mortgages
Effective Date: May 1, 2017
APR*
3 Year 2.990%
5 Year 3.500%
7 Year 3.875%
*APR = Annual Percentage Rate. Rate is “as low as” and may change based on credit history, collateral, term, and other determining factors. NMLS#411386

Construction Loan
Effective Date: May 1, 2017
TypePointsAPR* As Low As
12 Month Construction Loan N/A 4.875%
Construction to Mortgage (5 Year ARM) N/A 6.500%
Construction to Mortgage (12 Months) N/A 6.000%
NMLS#411386

Home Equity Line of Credit
Effective Date: May 1, 2017
APR*Type
As low as 4.000% APR Adjustable every 5 years
*A fully protected loan of $50,000 at 4.00% APR for 180 months would have a monthly payment of $370.00. Promotional rate is subject to change at any time without notice. Equal opportunity lender. NMLS #411386

Jumbo Mortgages
Effective Date: May 1, 2017
TypeAPR*
Loan amounts over 424,100 4.38%
Loan amounts over 650,000 4.88%
Contact 586-466-7800 opt. 2 for more information. NMLS#411386
*A fully protected loan of $417,000 at 4.25% for 360 months would have a monthly payment of $2051.39. Promotional rate is subject to change at any time without notice. Equal opportunity lender. NMLS #411386
*A fully protected loan of $625,000 at 4.75% for 360 months would have a monthly payment of $3260.30. Promotional rate is subject to change at any time without notice. Equal opportunity lender. NMLS #411386

**Ask us about our Special Promotions!**

*APR = Annual Percentage Rate. Some loans qualify for a .25 discount based on direct deposit or credit life/disability insurance with FreeStar Financial. Rates are "as low as" and are subject to credit history, terms, and other factors. Rates are subject to change at any time without notice. Please call 586-466-7800 for current rates.

Go to main navigation