What are the current interest rates at FreeStar Financial Credit Union?

Current rates for FreeStar Financial Credit Union include: 12-Month CD: 3.50%, Savings: 0.15%

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FreeStar Financial Credit Union

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FreeStar Financial Credit Union Rates & Review September 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, FreeStar Financial Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 21, 2026

FreeStar Financial Credit Union's iSave Youth (1 Year) - Military rates are at 4.50%, Save to Win (1 year) - Military rates are at 4.50%, iSave Youth (1 Year) rates are at 3.50%, Save to Win (1 year) rates are at 3.50%. FreeStar Financial Credit Union's savings rates are at 0.15%. FreeStar Financial Credit Union's 3 Year ARM rates are at 5.00%, Adjustable Rate Mortgages (ARMs) - 3 Year ARM rates are at 5.00%, 5 Year ARM rates are at 5.25%, Adjustable Rate Mortgages (ARMs) - 5 Year ARM rates are at 5.25%, 7 Year ARM rates are at 5.50%. FreeStar Financial Credit Union's RV, Boat and Powersport Loan Rates are as low as 5.74%. FreeStar Financial Credit Union's Credit Card Rates are at 8.50%. MonitorBankRates evaluates the financial stability of FreeStar Financial Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.02%. Rates last updated and verified on 09/21/2026.

FreeStar Financial Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at FreeStar Financial Credit Union? Share your experience about FreeStar Financial Credit Union by leaving a review below, or read customer reviews before you decide to use FreeStar Financial Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

5.02%

Excellent Lower than avg

Health Trend

Steady 12 quarters

Full history ›

FreeStar Financial Credit Union
Clinton Township

37570 S Gratiot Ave
Clinton Township, MI 48036

https://www.freestarfinancial.com

FreeStar Financial Credit Union CD Rates

Product	Rate	APY	Term
iSave Youth (1 Year) - Military	4.41%	4.50%	1 Year
Min Deposit $25 Min Balance $25 Details Qualified Military Members receive a 1% rate increase on all CDs, excluding iSave. Eligible members include Active Duty, Veterans, and Retirees. To qualify, military members must establish a full direct deposit in their name into their checking account. Any direct deposits less than $2,000 will not be eligible for the rate increase. Offer is subject to qualification and can change without notice. Military Status Verification: Verification of military status is required. Acceptable proof includes Military ID, Retirement ID, or DD214 (Certificate of Release or Discharge from Active Duty). Terms and conditions apply. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.02%
Save to Win (1 year) - Military	4.41%	4.50%	1 year
Min Deposit $25 Min Balance $25 Details Qualified Military Members receive a 1% rate increase on all CDs, excluding iSave. Eligible members include Active Duty, Veterans, and Retirees. To qualify, military members must establish a full direct deposit in their name into their checking account. Any direct deposits less than $2,000 will not be eligible for the rate increase. Offer is subject to qualification and can change without notice. Military Status Verification: Verification of military status is required. Acceptable proof includes Military ID, Retirement ID, or DD214 (Certificate of Release or Discharge from Active Duty). Terms and conditions apply. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.02%
iSave Youth (1 Year)	3.45%	3.50%	1 Year
Min Deposit $25 Min Balance $25 Details Military Rate: 4.4100%; Military APY: 4.500% Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.02%
Save to Win (1 year)	3.45%	3.50%	1 year
Min Deposit $25 Min Balance $25 Details Military Rate: 4.4100%; Military APY: 4.500% Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.02%

FreeStar Financial Credit Union Savings Rates

Product	Rate	APY
Christmas Club	0.15%	0.15%
Details Christmas Club Dividend Rate only applies to balances over $100. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.02%
Regular Share Savings	0.15%	0.15%
Min Balance $10 Details Regular Share Savings Dividend Rate only applies to balances over $100. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.02%
Special Savings	0.15%	0.15%
Min Balance $0 Details Special Savings Dividend Rate only applies to balances over $100. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.02%
Vacation Club	0.15%	0.15%
Min Balance $0 Details Vacation Club Dividend Rate only applies to balances over $100. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.02%

FreeStar Financial Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
3 Year ARM	-	-	5.00%	3 Year
Details As Low As; Rate is "as low as" and may change based on credit history, collateral, term, and other determining factors. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.02%
Adjustable Rate Mortgages (ARMs) - 3 Year ARM	-	-	5.00%	3 Year
Details As Low As Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.02%
5 Year ARM	-	-	5.25%	5 Year
Details As Low As; Rate is "as low as" and may change based on credit history, collateral, term, and other determining factors. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.02%
Adjustable Rate Mortgages (ARMs) - 5 Year ARM	-	-	5.25%	5 Year
Details As Low As Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.02%
7 Year ARM	-	-	5.50%	7 Year
Details As Low As; Rate is "as low as" and may change based on credit history, collateral, term, and other determining factors. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.02%
Adjustable Rate Mortgages (ARMs) - 7 Year ARM	-	-	5.50%	7 Year
Details As Low As Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.02%

FreeStar Financial Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term	View More
Home Equity Line of Credit	-	-	6.50%
Details As low as; Rate is variable and tied to market index (or prime rate). The maximum APR that can apply is 18%. HELOC rates will be fixed for the first 5 years and will adjust every 5 years thereafter. A $75 annual fee may apply and a termination fee of $250 may be applied if the loan is closed withing 36 months. Credit is subject to approval; not all applicants will qualify. Payment example: A HELOC with a balance of $100,000 would have an estimated payment of $885 per month at 6.75% rate over 180 months. All Credit Union loan programs, rates, terms and conditions are subject to change at any time without notice. Equal housing lender. NMLS ID 411386. Only applies on 2nd lien HELOCs when FreeStar Financial is in 1st lien position. Otherwise, 80% is the maximum. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.02%

FreeStar Financial Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Motorcycles Fixed	-	5.49%	Up to 60 Months
Details As Low As; Rate includes discounts for Payment Protection coverage OR active checking with a minimum full payroll direct deposit of $2,000 per month. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.02%
Marine (Non-personal watercraft) Fixed	-	5.74%	Up to 84 months
Details As low as rate includes discounts for Payment Protection coverage OR active checking with a minimum full payroll direct deposit of $2,000 per month. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.02%
Motorcycles Fixed	-	5.74%	Up to 72 Months
Details As Low As; Rate includes discounts for Payment Protection coverage OR active checking with a minimum full payroll direct deposit of $2,000 per month. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.02%
Campers and Motor Homes - Fixed	-	5.99%	Up to 84 months
Details under $25,000; As Low As; Rate is "as low as" and may change based on credit history, term and other determining factors. As low as rate includes discounts for Payment Protection coverage OR active checking with a minimum full payroll direct deposit of $2,000 per month. Payment example: A fully protected loan of $20,000 at 6.49% for 84 months would have a monthly payment of $330.70. Rate is subject to change at any time without notice. Equal Opportunity Lender. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.02%
Motorcycles Fixed	-	5.99%	Up to 84 Months
Details As Low As; Over $10,000; Rate includes discounts for Payment Protection coverage OR active checking with a minimum full payroll direct deposit of $2,000 per month. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.02%
Motorcycles Fixed	-	6.74%	Up to 120 Months
Details As Low As; Over $30,000; Rate includes discounts for Payment Protection coverage OR active checking with a minimum full payroll direct deposit of $2,000 per month. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.02%

FreeStar Financial Credit Union Credit Card Rates

Product	Rate	APR
Heroes' VISA Platinum	-	8.50%
Details Intro rate expires: 90 days; Regular APR: 8.50%; For qualified members only. The promotional Annual Percentage Rate (APR) of 3.99% applies to purchases and balance transfers with the Heroes Visa Platinum and Classic cards for the first 90 days from account opening. Following the promotional period, the APR for the Heroes' Rewards Visa Platinum card will adjust to 8.50%. Rates are subject to change at any time without notice. Membership eligibility and credit qualification required. Terms and conditions apply. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.02%
VISA Platinum	-	9.50%
Details Intro rate expires: 90 days; Regular APR: 9.50%; Promotional APR of 3.99% applies to purchases and balance transfers for the first 90 days from account opening. Following the promotional period, the APR will adjust to a standard rate of 9.50%. Rates are subject to change at any time without notice. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.02%
Heroes' VISA Classic	-	11.90%
Details Intro rate expires: 90 days; Regular APR: 11.90%; For qualified members only. The promotional Annual Percentage Rate (APR) of 3.99% applies to purchases and balance transfers with the Heroes Visa Platinum and Classic cards for the first 90 days from account opening. Following the promotional period, the APR for the Heroes' Rewards Visa Classic card will adjust to 11.90%. Rates are subject to change at any time without notice. Membership eligibility and credit qualification required. Terms and conditions apply. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.02%
VISA Classic	-	12.90%
Details Intro rate expires: 90 days; Regular APR: 12.90%; Promotional APR of 3.99% applies to purchases and balance transfers for the first 90 days from account opening. Following the promotional period, the APR will adjust to a standard rate of 12.90%. Rates are subject to change at any time without notice. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.02%
VISA One Card	-	15.90%
Details Payment example: A Visa with an outstanding balance of $1,000 would have a minimum payment requirement of 2% or $25.00. For the Visa One Card, the annual percentage rate is 15.90% and the minimum monthly payment is $25. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.02%

FreeStar Financial Credit Union Personal Loan Rates

Product	APR	Term
Marine (Non-personal watercraft) Fixed	5.74%	Up to 84 months
Details As low as rate includes discounts for Payment Protection coverage OR active checking with a minimum full payroll direct deposit of $2,000 per month. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.02%
Unsecured Loan	9.74%	Up to 24 months
Details up to $15,000; As Low As; Military Status Verification: Verification of military status is required. Acceptable proof includes Military ID, Retirement ID, or DD214 (Certificate of Release or Discharge from Active Duty). Terms and conditions apply.; 1% rate discount for Active Duty, Veterans, and Retirees with full direct deposit of $2,000 or more per month. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.02%
Unsecured Loan	9.99%	Up to 60 months
Details up to $15,000; As Low As; Military Status Verification: Verification of military status is required. Acceptable proof includes Military ID, Retirement ID, or DD214 (Certificate of Release or Discharge from Active Duty). Terms and conditions apply.; 1% rate discount for Active Duty, Veterans, and Retirees with full direct deposit of $2,000 or more per month. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.02%
Unsecured Loan	10.99%	Up to 60 months
Details $15,001 - $25,000; As Low As; Military Status Verification: Verification of military status is required. Acceptable proof includes Military ID, Retirement ID, or DD214 (Certificate of Release or Discharge from Active Duty). Terms and conditions apply.; 1% rate discount for Active Duty, Veterans, and Retirees with full direct deposit of $2,000 or more per month. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.02%
Unsecured Loan	11.49%	61-72 months
Details $15,001 - $25,000; As Low As; Military Status Verification: Verification of military status is required. Acceptable proof includes Military ID, Retirement ID, or DD214 (Certificate of Release or Discharge from Active Duty). Terms and conditions apply.; 1% rate discount for Active Duty, Veterans, and Retirees with full direct deposit of $2,000 or more per month. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.02%

FreeStar Financial Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Line of Credit	-	-	10.99%
Details As low as rate includes discounts for Payment Protection coverage OR active checking with a full payroll direct deposit of $2,000 per month. Payment example: A LOC with an outstanding balance of $1,000 would have a minimum payment requirement of 2% or $25.00. MILITARY RATE DISCOUNT TERMS: Eligibility for a 1% rate discount on certain loan products, excluding Mortgages, Holiday Loans, Business Loans, Courtesy Pay loans, Loyalty Lines of Credit, Military Line of Credit, and promotional loan rate offers. This offer is available to Active Duty, Veterans, and Retirees. To qualify, military members must establish a full direct deposit in their name into their checking account. Any direct deposits less than $2,000 will not be eligible for the discount. Discount subject to qualification and can change without notice. Military Status Verification: Verification of military status is required. Acceptable proof includes Military ID, Retirement ID, or DD214 (Certificate of Release or Discharge from Active Duty). Terms and conditions apply. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.02%
New Homes - 10% down payment required Loan	-	-	7.00%	Up to 180 months
Details New requires 10% down, up to 180 months; Used required 20% down, maturity not to exceed 15 years of age. Payment example: $30,000 at 7% APR for 180 months would have a payment of $270.46 per month. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.02%
Used Homes - 20% down payment required Loan	-	-	8.00%	15 years
Details Term: Max 15 years above home's age; New requires 10% down, up to 180 months; Used required 20% down, maturity not to exceed 15 years of age. Payment example: $30,000 at 7% APR for 180 months would have a payment of $270.46 per month. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.02%
Five Year	3.20%	-	3.25%
Min Deposit $500 Min Balance $500 Details Military Rate: 4.1690%; Military APY: 4.250% Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.02%
Five Year - Military	4.17%	-	4.25%
Min Deposit $500 Min Balance $500 Details Qualified Military Members receive a 1% rate increase on all CDs, excluding iSave. Eligible members include Active Duty, Veterans, and Retirees. To qualify, military members must establish a full direct deposit in their name into their checking account. Any direct deposits less than $2,000 will not be eligible for the rate increase. Offer is subject to qualification and can change without notice. Military Status Verification: Verification of military status is required. Acceptable proof includes Military ID, Retirement ID, or DD214 (Certificate of Release or Discharge from Active Duty). Terms and conditions apply. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.02%
Four Year	3.20%	-	3.25%
Min Deposit $500 Min Balance $500 Details Military Rate: 4.1690%; Military APY: 4.250% Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.02%
Four Year - Military	4.17%	-	4.25%
Min Deposit $500 Min Balance $500 Details Qualified Military Members receive a 1% rate increase on all CDs, excluding iSave. Eligible members include Active Duty, Veterans, and Retirees. To qualify, military members must establish a full direct deposit in their name into their checking account. Any direct deposits less than $2,000 will not be eligible for the rate increase. Offer is subject to qualification and can change without notice. Military Status Verification: Verification of military status is required. Acceptable proof includes Military ID, Retirement ID, or DD214 (Certificate of Release or Discharge from Active Duty). Terms and conditions apply. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.02%
Individual Retirement Account (IRA)	0.50%	-	0.50%
Min Balance $250 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.02%
IRA Rollover	0.50%	-	0.50%
Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.02%
Money Management Accounts	0.10%	-	0.10%
Min Balance $1,000 Details Balance: $1,000 to $5,000.00 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.02%
Money Management Accounts	0.25%	-	0.25%
Min Balance $5,000 Details Balance: $5,000 to $49,999 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.02%
Money Management Accounts	0.45%	-	0.45%
Min Balance $50,000 Details Balance: $50,000 to $74,999 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.02%
Money Management Accounts	0.55%	-	0.55%
Min Balance $75,000 Details Balance: $75,000 to $99,999 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.02%
Money Management Accounts	0.60%	-	0.60%
Min Balance $100,000 Details Balance: $100,000 to 149,999 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.02%
Money Management Accounts	0.70%	-	0.70%
Min Balance $150,000 Details Balance: $150,000 + Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.02%
One Year	3.45%	-	3.50%
Min Deposit $500 Min Balance $500 Details Military Rate: 4.4100%; Military APY: 4.500% Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.02%
One Year - Military	4.41%	-	4.50%
Min Deposit $500 Min Balance $500 Details Qualified Military Members receive a 1% rate increase on all CDs, excluding iSave. Eligible members include Active Duty, Veterans, and Retirees. To qualify, military members must establish a full direct deposit in their name into their checking account. Any direct deposits less than $2,000 will not be eligible for the rate increase. Offer is subject to qualification and can change without notice. Military Status Verification: Verification of military status is required. Acceptable proof includes Military ID, Retirement ID, or DD214 (Certificate of Release or Discharge from Active Duty). Terms and conditions apply. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.02%
Six Month	3.93%	-	4.00%
Min Deposit $500 Min Balance $500 Details Military Rate: 4.8890%; Military APY: 5.000% Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.02%
Six Month - Military	4.89%	-	5.00%
Min Deposit $500 Min Balance $500 Details Qualified Military Members receive a 1% rate increase on all CDs, excluding iSave. Eligible members include Active Duty, Veterans, and Retirees. To qualify, military members must establish a full direct deposit in their name into their checking account. Any direct deposits less than $2,000 will not be eligible for the rate increase. Offer is subject to qualification and can change without notice. Military Status Verification: Verification of military status is required. Acceptable proof includes Military ID, Retirement ID, or DD214 (Certificate of Release or Discharge from Active Duty). Terms and conditions apply. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.02%
Three Year	3.20%	-	3.25%
Min Deposit $500 Min Balance $500 Details Military Rate: 4.1690%; Military APY: 4.250% Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.02%
Three Year - Military	4.17%	-	4.25%
Min Deposit $500 Min Balance $500 Details Qualified Military Members receive a 1% rate increase on all CDs, excluding iSave. Eligible members include Active Duty, Veterans, and Retirees. To qualify, military members must establish a full direct deposit in their name into their checking account. Any direct deposits less than $2,000 will not be eligible for the rate increase. Offer is subject to qualification and can change without notice. Military Status Verification: Verification of military status is required. Acceptable proof includes Military ID, Retirement ID, or DD214 (Certificate of Release or Discharge from Active Duty). Terms and conditions apply. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.02%
Two Year	3.69%	-	3.75%
Min Deposit $500 Min Balance $500 Details Military Rate: 4.6490%; Military APY: 4.750% Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.02%
Two Year - Military	4.65%	-	4.75%
Min Deposit $500 Min Balance $500 Details Qualified Military Members receive a 1% rate increase on all CDs, excluding iSave. Eligible members include Active Duty, Veterans, and Retirees. To qualify, military members must establish a full direct deposit in their name into their checking account. Any direct deposits less than $2,000 will not be eligible for the rate increase. Offer is subject to qualification and can change without notice. Military Status Verification: Verification of military status is required. Acceptable proof includes Military ID, Retirement ID, or DD214 (Certificate of Release or Discharge from Active Duty). Terms and conditions apply. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.02%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

FreeStar Financial Credit Union’s Texas Ratio rose from 4.33% in Q2 2023 to 5.02% in Q1 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
March 31, 2026	$351M	5.02%	5.0	A+
December 31, 2025	$339M	5.64%	5.0	A+
September 30, 2025	$326M	8.12%	5.0	A
June 30, 2025	$337M	6.44%	5.0	A
March 31, 2025	$341M	5.06%	5.0	A+
December 31, 2024	$329M	5.25%	5.0	A+
September 30, 2024	$322M	4.81%	5.0	A+
June 30, 2024	$319M	3.14%	5.0	A+
March 31, 2024	$329M	4.83%	5.0	A+
December 31, 2023	$321M	2.83%	5.0	A+
September 30, 2023	$319M	5.19%	5.0	A+
June 30, 2023	$324M	4.33%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for FreeStar Financial Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather FreeStar Financial Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with FreeStar Financial Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name FreeStar Financial Credit Union

Website https://www.freestarfinancial.com

Address 37570 S Gratiot Ave, Clinton Township, MI 48036

Phone 586-466-7800

Fax 586-468-6881

President Raymond White Jr.

CEO Drema Isaac

Full-Time Employees 74

Part-Time Employees 0

Branch Locations 8

ATM Locations 7

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (97/100)

Texas Ratio

5.02%

Return on Assets (ROA)

0.0717%

Return on Equity (ROE)

0.7593%

Non-Performing Loans Ratio (NPL)

0.82%

Total Assets

351,314,001

Total Amount of Shares and Deposits

314,413,737

Total Shares and Deposits < 1 Year

273,447,404

Total Shares and Deposits 1 3 Years

34,911,150

Total Shares and Deposits > 3 Years

6,055,183

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

18,231,920

Total Uninsured Shares and Deposits > $250K (F+J)

18,231,920

Total Insured Shares and Deposits > $250K (item 17 less item K)

296,181,817

Total Interest Expense (Sum of items 6 8)

1,007,957

Share Certificates

3,364

Number of Accounts for Share Drafts

12,676

IRA KEOGH Accounts

712

Number of Accounts for Regular Shares

22,079

All other shares

1,876

Non Member Deposits

Money Market Shares

1,420

Net Income (unless the amount is already included in Undivided Earnings)

251,782

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

47,162,476

Total Liabilities

320,861,326

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

FreeStar Financial Credit Union earned the Verified Healthy badge

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Frequently Asked Questions About FreeStar Financial Credit Union

How many branches does FreeStar Financial Credit Union operate?

FreeStar Financial Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join FreeStar Financial Credit Union?

Yes, to access services at FreeStar Financial Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, FreeStar Financial Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, FreeStar Financial Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does FreeStar Financial Credit Union offer online and mobile banking?

Most modern institutions like FreeStar Financial Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.freestarfinancial.com.

Current FreeStar Financial Credit Union Rates

12-Month CD3.50%
Savings0.15%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

FreeStar Financial Credit Union Rates & Review September 2026

Brian McKay

Overall Health & Safety Grade

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FreeStar Financial Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

FreeStar Financial Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About FreeStar Financial Credit Union

How many branches does FreeStar Financial Credit Union operate?

Is a member application needed to join FreeStar Financial Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does FreeStar Financial Credit Union offer online and mobile banking?

Current FreeStar Financial Credit Union Rates

Compare to Other Credit Unions