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  • Loan Rates

    Home Equity Loan Rates

    TermAPR*Monthly Payment Per $10,000 Borrowed
    1 - 60 mos.as low as 6.25%$194.99
    61 - 120 mos.as low as 6.75%$115.16
    121 - 180 mos.as low as 7.00%$90.16
    Disclosure
    *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 9.50%. 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 10/05/2023.

    Home Equity Line of Credit

    As low as 8.49% Variable APR Home Equity Line Amounts*Monthly Payment Examples-Draw PeriodMonthly Payment Examples-Repayment Period
    $8,000$100.00$101.04
    $15,000$106.12$189.45
    $30,000$212.25$378.92
    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 8/1/2023. 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 Loans

    TypeTermAPRMinimumMaximum
    New and Used1 - 66 mos.as low as 5.99%*$3,000$75,000
    New and Used67 - 75 mos.as low as 6.49%*$15,000$75,000
    New and Used76 - 84 mos.as low as 7.24%*$20,000$75,000
    Disclosure
    *APR=Annual Percentage Rate. Rates as of 9/21/2023. The interest rate you receive will be based on your credit history, loan term, and age of vehicle. APR will not be less than 5.99% for new cars or used cars, or greater than 18.00%. Payment Example: Monthly payments for a $20,000 Auto loan at 5.99% APR for a term of 5 years would result in 60 monthly payments of $387.52. Satisfactory vehicle insurance required. Freedom Loans and Lines of Credit can't be refinanced and other conditions may apply. Terms and 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 14.15% but not more than 17.90% thereafter)
    Disclosure
    *APR = Annual Percentage Rate. Rates accurate as of 7/3/23. 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.

    Personal Loan Rates

    Loan TypeAPR*
    Share Secured Loan7.00%
    Personal LoanFixed & as low as 9.99%**
    Term Share Certificate Secured Loan7.00%***
    Overdraft/Line of CreditVariable & as low as 15.15%****
    Disclosure
    *APR = Annual Percentage Rate.
    **Rates and terms are subject to change and may vary based on creditworthiness and qualifications. All loans subject to approval.
    ***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 17.99% APR.
  • Checking & Savings Rates

    CDs & IRA Rates

    TermAnnual Dividend Rate*APY**
    6 mos.4.85%4.95%
    12 mos.5.25%5.37%
    18 mos.5.00%5.11%
    24 mos.4.75%4.85%
    30 mos.4.40%4.48%
    36 mos.4.35%4.43%
    48 mos.4.30%4.38%
    60 mos.4.50%4.59%
    Disclosure
    *Regulations prohibit payment in excess of available earnings. Penalty required for early withdrawal. Rates accurate since 02/23/24. 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 02/23/24. 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 RateAPY*Min. Deposit to Open
    Checking0.20%0.20%$0
    Primary Savings1.00%1.00%$5
    Club Savings1.00%1.00%$0
    IRA Savings1.00%1.00%$0
    Education Savings1.00%1.00%$0
    Health Savings0.20%0.20%$0
    Money Market
    Tier 1: $0 - $9,999.99
    1.00%1.00%$0
    Money Market
    Tier 2: $10,000-$49,999.99
    3.50%3.55%$10,000
    Money Market Tier 3: $50,000 and up4.00%4.07%$50,000
    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 and Tier 3 have 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 rates. 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
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