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Loan Rates
Home Equity Loan Rates
*Annual Percentage Rate (APR) applies to Loan-to-Value (LTV) less than or equal to 80%. APR will not be less than 6.25% or greater than 8.75%. 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 10/23/2024.Term APR* Monthly Payment Per $10,000 Borrowed 1 - 60 mos. as low as 6.25% $194.08 61 - 120 mos. as low as 6.25% $112.58 121 - 180 mos. as low as 6.25% $85.98 Disclosure Home Equity Line of Credit
*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 1/1/2025. 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.As low as 7.49% Variable APR Home Equity Line Amounts* Monthly Payment Examples-Draw Period Monthly Payment Examples-Repayment Period $8,000 $100.00 $100.00 $15,000 $100.00 $139.47 $30,000 $187.50 $278.93 Disclosure Auto Loan Rates (2023-2025 Model Years)
*APR = Annual Percentage Rate for terms up to 84 months. Loan amount must be $5,000 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.Term APR* As Low As Minimum Maximum 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
Auto Loan Rates (2020-2022 Model Years)
*APR = Annual Percentage Rate for terms up to 84 months. Loan amount must be $5,000 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.Term APR* As Low As Minimum Maximum 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
Auto Loan Rates (2018-2019 Model Years)
*APR = Annual Percentage Rate for terms up to 84 months. Loan amount must be $5,000 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.Term APR* As Low As Minimum Maximum 1 - 66 mos. 8.24% $3,000 $100,000 67 - 75 mos. 8.74% $15,000 $100,000 Disclosure
Auto Loan Rates (2017 & Older Model Years)
*APR = Annual Percentage Rate for terms up to 84 months. Loan amount must be $5,000 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.Term APR* As Low As Minimum Maximum 1 - 66 mos. 10.24% $3,000 $100,000 Disclosure
Credit Card Rates
*APR = Annual Percentage Rate. Rates accurate as of 1/1/25. 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.Product APR* Cash Back Visa® 0.99% Intro Rate (0.99% Intro rate for 6-month Term; Rate as low as 13.40% but not more than 17.90% thereafter) Disclosure Personal Loan Rates
*APR = Annual Percentage Rate.Loan Type APR* Share Secured Loan 7.00% Personal Loan Fixed & as low as 4.99%** Term Share Certificate Secured Loan 7.00%*** Overdraft/Line of Credit Variable & as low as 14.40%**** Disclosure
**Annual Percentage Rate (APR) will not be less than 4.99% 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 5.25% APR for a term of 60 months would result in 60 monthly payments of $190.26. 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
*Regulations prohibit payment in excess of available earnings. Penalty required for early withdrawal. Rates accurate since 2/20/25. Terms and rates are subject to change without notice. Fees may reduce earnings.Term Annual Dividend Rate* Annual Percentage Yield (APY)** 6 mos. 4.25% 4.33% 12 mos. 4.25% 4.33% 18 mos. 4.25% 4.33% 24 mos. 4.00% 4.07% 30 mos. 4.00% 4.07% 36 mos. 4.00% 4.07% 48 mos. 4.25% 4.33% 60 mos. 4.00% 4.07% Disclosure
**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 2/1/25. 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
*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.Account Dividend Rate Annual Percentage Yield (APY)* Min. Deposit to Open Checking 0.20% 0.20% $0 Primary Savings 1.00% 1.00% $5 Club Savings 1.00% 1.00% $0 IRA Savings 1.00% 1.00% $0 Education Savings 1.00% 1.00% $0 Health Savings 0.20% 0.20% $0 Money Market
Tier 1: $0 - $9,999.991.00% 1.00% $0 Money Market
Tier 2: $10,000 and up3.25% 3.29% $10,000 Disclosure - Mortgage
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Online Banking
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