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Loan Rates
Home Equity Loan Rates
Term APR* Monthly Payment Per $10,000 Borrowed 1 - 60 mos. as low as 4.25% $185.64 61 - 120 mos. as low as 4.75% $105.07 121 - 180 mos. as low as 5.00% $79.27 Disclosure Home Equity Line of Credit
As low as 8.24% Variable APR Home Equity Line Amounts* Monthly Payment Examples-Draw Period Monthly Payment Examples-Repayment Period $8,000 $100.00 $100.00 $15,000 $103.00 $186.33 $30,000 $203.18 $369.85 Disclosure Auto Loans
Type Term APR Minimum Maximum New and Used 1 - 66 mos. as low as 5.49%* $3,000 $75,000 New and Used 67 - 75 mos. as low as 5.99%* $15,000 $75,000 New and Used 76 - 84 mos. as low as 6.74%* $20,000 $75,000 Disclosure
Credit Card Rates
Product APR* Cash Back Visa® 0.99% Intro Rate (0.99% Intro rate for 6-month Term; Rate as low as 13.65% but not more than 17.90% thereafter) Disclosure Personal Loan Rates
Loan Type APR* Share Secured Loan 7.00% Personal Loan Fixed & as low as 9.99%** Term Share Certificate Secured Loan 7.00%*** Overdraft/Line of Credit Variable & as low as 14.65%**** Disclosure
**Annual Percentage Rate (APR) will not be less than 9.99% 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 9.99% APR for a term of 60 months would result in 60 monthly payments of $213.33. Payment is calculated using $21.33 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 14.65% or greater than 18%. -
Checking & Savings Rates
CDs & IRA Rates
Term Annual Dividend Rate* APY** 6 mos. 4.50% 4.59% 12 mos. 4.75% 4.85% 18 mos. 4.80% 4.90% 24 mos. 4.85% 4.95% 30 mos. 4.70% 4.80% 36 mos. 4.55% 4.64% 48 mos. 4.60% 4.69% 60 mos. 4.65% 4.75% 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 3/24/23. 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
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-$49,999.993.25% 3.29% $10,000 Money Market Tier 3: $50,000 and up 3.75% 3.81% $50,000 Disclosure - Mortgage