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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 5.25% 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 02/08/2023..Term APR* Monthly Payment Per $10,000 Borrowed 1 - 60 mos. as low as 5.25% $190.31 61 - 120 mos. as low as 5.75% $110.07 121 - 180 mos. as low as 6.00% $84.63 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 10 days prior to the first day of each calendar quarter of each year. 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 3/1/2023. 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.As low as 7.74% 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 $141.61 $30,000 $190.85 $283.22 Disclosure Auto Loans
*APR=Annual Percentage Rate. Rates as of 3/09/2023. The interest rate you receive will be based on your credit history, loan term, and age of vehicle. APR will not be less than 4.99% for new cars or used cars, or greater than 18.00%. Payment Example: Monthly payments for a $20,000 Auto loan at 4.99% APR for a term of 5 years would result in 60 monthly payments of $377.33. 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.Type Term APR Minimum Maximum New and Used 1 - 66 mos. as low as 4.99%* $3,000 $75,000 New and Used 67 - 75 mos. as low as 5.49%* $15,000 $75,000 New and Used 76 - 84 mos. as low as 6.24%* $20,000 $75,000 Disclosure
Credit Card Rates
*APR = Annual Percentage Rate. Rates accurate as of 1/3/23. 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.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. The maximum total unsecured debt per Member is $30,000. Terms and rates are subject to change without notice.Loan Type APR* Share Secured Loan 7.00% Personal Loan Fixed & as low as 5.25%** 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 5.25% or greater than 18%. Minimum term is 6 months. 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 are 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 $189.86. Payment is calculated using $18.99 per $1,000 borrowed. There are no application fees. A fee of $28 will be applied for any late payments. Advertised rates and terms are subject to change without notice. Loan proceeds may not be used to refinance any existing loan with Freedom Credit Union. Offer available for a limited time and is subject to change without notice. Credit union membership is required, eligibility requirements apply. Insured by NCUA.
***The greater of 7% APR or 2% above the Term Share Certificate rate.
****The interest rate you receive will be based on your credit history. APR will not be less than 14.40% or greater than 18%. -
Checking & Savings Rates
CDs & IRA Rates
*Regulations prohibit payment in excess of available earnings. Penalty required for early withdrawal. Rates accurate since 12/30/22. Terms and rates are subject to change without notice. Fees may reduce earnings.Term Annual Dividend Rate* APY** 6 mos. 4.05% 4.12% 12 mos. 4.10% 4.17% 18 mos. 4.15% 4.22% 24 mos. 4.20% 4.28% 30 mos. 4.20% 4.28% 36 mos. 4.25% 4.33% 48 mos. 4.50% 4.59% 60 mos. 4.75% 4.85% 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 12/30/22. 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 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 the rate that the Credit Union anticipates paying as of 1/01/2023. Rates subject to change without notice and may change after account is opened.Account Dividend Rate APY* Min. Deposit to Open Checking 0.20% 0.20% $0 Primary Savings 0.60% 0.60% $5 Club Savings 0.60% 0.60% $0 IRA Savings 0.60% 0.60% $0 Education Savings 0.60% 0.60% $0 Health Savings 0.20% 0.20% $0 Money Market
Tier 1: $0 - $9,999.990.60% 0.60% $0 Money Market
Tier 2: $10,000-$49,999.993.00% 3.04% $10,000 Money Market Tier 3: $50,000 and up 3.25% 3.29% $50,000 Disclosure - Mortgage
