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  • Loan Rates

    Home Equity Loan Rates

    TermAPR*Monthly Payment Per $10,000 Borrowed
    1 - 60 mos.as low as 5.50%$191.05
    61 - 120 mos.as low as 5.75%$109.79
    121 - 180 mos.as low as 6.00%$84.40
    Disclosure
    *Annual Percentage Rate (APR) applies to Loan-to-Value (LTV) less than or equal to 80%. APR will not be less than 5.50% or greater than 8.50%. The interest rate you receive will be based on your credit history. Hazard Insurance is required. For loans over $150,000, Title Insurance is required. Loan subject to final approval. Terms and rates subject to change without notice and apply to loans in the 2nd lien position. Rates effective as of 06/13/2025.

    Home Equity Line of Credit

    As low as 6.99% Variable APR Home Equity Line Amounts*Monthly Payment Examples-Draw PeriodMonthly Payment Examples-Repayment Period
    $8,000$100.00$100.00
    $15,000$100.00$134.77
    $30,000$174.75$269.54
    Disclosure
    *Annual Percentage Rate (APR) applies to Loan-to-Value (LTV) less than or equal to 80%. Home Equity Line of Credit is subject to a Variable Rate which is based on the highest Prime Rate as published in the Wall Street Journal and will be the rate in effect on the first day of each billing cycle. Rate will never be less than 3.99% nor greater than 18%. The interest rate you receive will be based on your credit history. APR as low as Prime Rate - 0.01% Margin. Rates accurate since 11/01/2025. Hazard Insurance is required. For loans over $150,000, Title Insurance is required. The Title Insurance costs range between $1,571 and $2,050 depending upon the dollar amount of the approved credit limit. For any loan secured by a 2-4 unit owner occupied primary residence, an appraisal fee will be incurred. Appraisal fees range between $200 and $400. Line of Credit subject to final approval. Terms and rates subject to change without notice.

    Auto Loan Rates (2023-2025 Model Years)

    TermAPR* As Low As MinimumMaximum
    1 - 66 mos.4.74%*$3,000$125,000
    67 - 75 mos.5.24%*$15,000$125,000
    76 - 84 mos.5.99%*$20,000$125,000
    Disclosure
    *APR = Annual Percentage Rate for terms up to 84 months. Loan amount must be $3,000 or greater. You must meet employment and/or income requirements to qualify for a loan. The interest rate you receive will be based on your credit history, loan term, and age of the vehicle. APR will not be less than 4.74% or greater than 18%. For example, a loan amount of $20,000 at 4.74% APR for 60 months would be a monthly payment of $375.75. Satisfactory vehicle insurance required. Your actual loan amount will be limited based on the value of the specific vehicle that you are financing. Only passenger vehicles are eligible, no recreational vehicles. Existing Freedom Loans are not eligible for refinancing. Credit Union membership eligibility requirements apply. Loan term cannot be less than 6 months or greater than 84 months. Rates are subject to change without notice.

    Auto Loan Rates (2020-2022 Model Years)

    TermAPR* As Low As MinimumMaximum
    1 - 66 mos.5.24%$3,000$125,000
    67 - 75 mos.5.74%$15,000$125,000
    76 - 84 mos.6.49%
    		$20,000$125,000
    Disclosure
    *APR = Annual Percentage Rate for terms up to 84 months. Loan amount must be $3,000 or greater. You must meet employment and/or income requirements to qualify for a loan. The interest rate you receive will be based on your credit history, loan term, and age of the vehicle. APR will not be less than 4.74% or greater than 18%. For example, a loan amount of $20,000 at 4.74% APR for 60 months would be a monthly payment of $375.75. Satisfactory vehicle insurance required. Your actual loan amount will be limited based on the value of the specific vehicle that you are financing. Only passenger vehicles are eligible, no recreational vehicles. Existing Freedom Loans are not eligible for refinancing. Credit Union membership eligibility requirements apply. Loan term cannot be less than 6 months or greater than 84 months. Rates are subject to change without notice.

    Auto Loan Rates (2018-2019 Model Years)

    TermAPR* As Low As MinimumMaximum
    1 - 66 mos.8.24%$3,000$100,000
    67 - 75 mos.8.74%$15,000$100,000
    Disclosure
    *APR = Annual Percentage Rate for terms up to 84 months. Loan amount must be $3,000 or greater. You must meet employment and/or income requirements to qualify for a loan. The interest rate you receive will be based on your credit history, loan term, and age of the vehicle. APR will not be less than 4.74% or greater than 18%. For example, a loan amount of $20,000 at 4.74% APR for 60 months would be a monthly payment of $375.75. Satisfactory vehicle insurance required. Your actual loan amount will be limited based on the value of the specific vehicle that you are financing. Only passenger vehicles are eligible, no recreational vehicles. Existing Freedom Loans are not eligible for refinancing. Credit Union membership eligibility requirements apply. Loan term cannot be less than 6 months or greater than 84 months. Rates are subject to change without notice.

    Auto Loan Rates (2017 & Older Model Years)

    TermAPR* As Low As MinimumMaximum
    1 - 66 mos.10.24%$3,000$100,000
    Disclosure
    *APR = Annual Percentage Rate for terms up to 84 months. Loan amount must be $3,000 or greater. You must meet employment and/or income requirements to qualify for a loan. The interest rate you receive will be based on your credit history, loan term, and age of the vehicle. APR will not be less than 4.74% or greater than 18%. For example, a loan amount of $20,000 at 4.74% APR for 60 months would be a monthly payment of $375.75. Satisfactory vehicle insurance required. Your actual loan amount will be limited based on the value of the specific vehicle that you are financing. Only passenger vehicles are eligible, no recreational vehicles. Existing Freedom Loans are not eligible for refinancing. Credit Union membership eligibility requirements apply. Loan term cannot be less than 6 months or greater than 84 months. Rates are subject to change without notice.

    Credit Card Rates

    ProductAPR*
    Cash Back Visa®0.99% Intro Rate (0.99% Intro rate for 6-month Term; Rate as low as 13.15% but not more than 17.90% thereafter)
    Disclosure
    *APR = Annual Percentage Rate. Rates accurate as of 10/1/25. The total maximum unsecured debt per member is $30,000. Terms and rates are subject to change without notice. For Credit Cards, an eligible co-borrower will be required unless the Cardholder has independent means of repaying any credit extended. The interest rate that you receive will be based on your credit history. 0.99% Intro rate for 6-month Term; Rate as low as 13.15% but not more than 17.90% thereafter.

    Personal Loan Rates

    Loan TypeAPR*
    Share Secured Loan7.00%
    Personal Loanas low as 9.99%**
    Term Share Certificate Secured Loan7.00%***
    Overdraft/Line of CreditVariable & as low as 14.15%****
    Disclosure
    *APR = Annual Percentage Rate.
    **Annual Percentage Rate (APR) will not be less than 9.99% or greater than 17.99%. Maximum term is 72 months. The interest rate that you receive and the amount you may borrow will be based on your credit history and will be subject to approval. The maximum unsecured debt per member is $30,000. Payment example: Monthly payments for a $10,000 personal loan at 9.99% APR for a term of 60 months would result in 60 monthly payments of $212.42. Loan proceeds may not be used to refinance any existing loan with Freedom Credit Union. Rates and terms are subject to change without notice. Credit Union membership is required, eligibility requirements apply.
    ***The greater of 7% APR or 2% above the Term Share Certificate rate.
    ****Rates and terms are subject to change and may vary based on creditworthiness and qualifications. All loans subject to approval. Maximum rate is 17.90% APR.
  • Checking & Savings Rates

    CDs & IRA Rates

    TermAnnual Dividend Rate*Annual Percentage Yield (APY)**
    6 mos.4.00%4.07%
    12 mos.4.00%4.07%
    18 mos.4.00%4.07%
    24 mos.4.00%4.07%
    30 mos.4.00%4.07%
    36 mos.3.75%3.81%
    48 mos.3.75%3.81%
    60 mos.3.75%3.81%
    Disclosure
    *Regulations prohibit payment in excess of available earnings. Penalty required for early withdrawal. Rates accurate since 8/27/25. Terms and rates are subject to change without notice. Fees may reduce earnings.

    **APY = Annual Percentage Yield. A minimum deposit of $500 ($250 for Youth CD - 25 or younger) is required to open a CD. Rates are accurate since 8/27/25. Dividends are calculated by the actual daily balance method which applies a daily periodic rate to the balance in the CD each day. The Dividend Rate and APY at time of purchase are fixed and will be in effect for the term of the CD. Fees may reduce earnings. Terms and rates are subject to change without notice. For rates and fees, see our Rate and Fee Schedule.

    Checking & Savings Rates

    AccountDividend RateAnnual Percentage Yield (APY)*Min. Deposit to Open
    Checking0.10%0.10%$0
    Primary Savings0.25%0.25%$5
    Club Savings0.25%0.25%$0
    IRA Savings0.25%0.25%$0
    Education Savings0.25%0.25%$0
    Health Savings0.10%0.10%$0
    Money Market
    Tier 1: $0 - $9,999.99    		0.25%0.25%$0
    Money Market
    Tier 2: $10,000 and up    		3.00%3.04%$10,000
    Disclosure
    *Annual Percentage Yield. Dividends on IRA, Savings, Club and Checking Accounts are computed monthly on average daily balances of $5 or more and posted monthly. The Money Market Account Tier 2 has a variable rate which will be greater than our regular savings rate, and subject to daily adjustments. Dividends will be paid monthly on the average daily balance, based upon the current tier level rate. Fees may reduce earnings. Regulations prohibit payment in excess of available earnings. The rate listed is accurate as of the last dividend declaration date. Rates subject to change without notice and may change after account is opened.
  • Mortgage

    View Mortgage Rates

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