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 FreeStar Financial Credit Union Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: April 6, 2026
FreeStar Financial Credit Union's 18-Month Special! CDs of Deposit rates are at 4.00%, iSave Youth (1 Year) CDs of Deposit rates are at 3.50%, One Year CDs of Deposit rates are at 3.50%, Save to Win (1 year) CDs of Deposit rates are at 3.50%, Five Year CDs of Deposit rates are at 3.25%. FreeStar Financial Credit Union's savings rates are at 0.15%. FreeStar Financial Credit Union's Personal Loan Rates are at 5.74%. 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 8.54%. Rates were last updated on 04/06/2026. 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. FreeStar Financial Credit Union
Clinton Township 37570 S Gratiot Ave
https://www.freestarfinancial.com Clinton Township, MI 48036 
FreeStar Financial Credit Union CD Rates
FreeStar Financial Credit Union Savings Rates
FreeStar Financial Credit Union Mortgage Rates
FreeStar Financial Credit Union Home Equity & HELOC
FreeStar Financial Credit Union Credit Card Rates
FreeStar Financial Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates 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
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
72
Part-Time Employees
0
Branch Locations
8
ATM Locations
7
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (96/100)
Texas Ratio
8.54%
Return on Assets (ROA)
0.1997%
Return on Equity (ROE)
1.9912%
Non-Performing Loans Ratio (NPL)
1.34%
Total Assets
325,539,971
Total Amount of Shares and Deposits
287,623,287
Total Shares and Deposits < 1 Year
266,288,839
Total Shares and Deposits 1 3 Years
6,635,360
Total Shares and Deposits > 3 Years
14,699,088
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
13,457,592
Total Uninsured Shares and Deposits > $250K (F+J)
13,457,592
Total Insured Shares and Deposits > $250K (item 17 less item K)
274,165,695
Total Interest Expense (Sum of items 6 8)
2,925,599
Share Certificates
3,244
Number of Accounts for Share Drafts
16,214
IRA KEOGH Accounts
773
Number of Accounts for Regular Shares
30,014
All other shares
2,056
Non Member Deposits
12
Money Market Shares
1,540
Net Income (unless the amount is already included in Undivided Earnings)
650,089
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
21,584,513
Total Liabilities
295,891,798
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About FreeStar Financial Credit UnionIs FreeStar Financial Credit Union a safe place to deposit money?Yes, FreeStar Financial Credit Union is considered a safe financial institution. With a Texas Ratio of 8.5389058878262%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. 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
Retrieved from our database of financial products. Rates subject to change.
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