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FreeStar Financial Credit Union Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
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.
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 and Verified: October 29, 2026
FreeStar Financial Credit Union's 18-Month Special - Military rates are at 5.25%, iSave Youth CD (1 Year) - Military rates are at 4.50%, Save to Win (1 year) - Military rates are at 4.50%, 18 Month CD Special rates are at 4.25%, iSave Youth (1 Year) rates are at 3.50%. FreeStar Financial Credit Union's savings rates are at 0.15%. FreeStar Financial Credit Union's Adjustable Rate Mortgage - 3 Year rates are at 5.50%, Adjustable Rate Mortgages - 3 Year rates are at 5.50%, Vacant Land - 10 Year Fixed Rate rates are at 5.62%, Adjustable Rate Mortgage - 5 Year rates are at 5.75%, Adjustable Rate Mortgages - 5 Year rates are at 5.75%. 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%. FreeStar Financial Credit Union's CD rates are 48% higher than the MonitorBankRates national average, and it has an A health rating. 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 7.11%. Rates last updated and verified on 10/29/2026.
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 has earned an overall safety grade of A (Excellent, Score: 96/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective NCUA regulatory data.
MonitorBankRates Rating
?
5.0
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
FreeStar Financial Credit Union has earned a Star Rating of 5.0 out of 5 stars (Exceptional).
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
?
7.11%
ExcellentHigher than avg
FreeStar Financial Credit Union Texas Ratio
FreeStar Financial Credit Union's Texas Ratio is 7.11%, which is considered excellent and is higher than the national average of 6.13%.
FreeStar Financial Credit Union has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
5.19% to 7.11% over 12 quarters, steadyFull history
Star Rating 5.0 to 5.0, Health Grade A+ to A
The Texas Ratio for this credit union has held steady at a healthy level since Q3 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.
FreeStar Financial Credit Union CD Rates
Product
Rate
APY
Term
View More
18-Month Special - Military
5.128%
5.25%
18-Month
Min Balance$500
DetailsMilitary rate. Qualified Military Members receive a 1% rate increase on all CDs (excluding iSave); requires full direct deposit of at least $2,000 into checking; military status verification required. At maturity, the CD will be renewed into a 24-month CD.
Last Updated10/29/2026
Rate History
No change since Oct 9, 2026 · 5.25% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.11%
iSave Youth CD (1 Year) - Military
4.41%
4.50%
1 Year
Min Balance$25
DetailsMilitary rate as printed in table; footnote states the military 1% increase excludes iSave; requires full direct deposit of $2,000 or more into checking; military status verification required
Last Updated10/29/2026
Rate History
No change since Oct 29, 2026 · 4.50% APY
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.11%
Save to Win (1 year) - Military
4.41%
4.50%
1 year
Min Balance$25
DetailsMilitary rate. Qualified Military Members receive a 1% rate increase on all CDs (excluding iSave); requires full direct deposit of at least $2,000 into checking; military status verification required.
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 4.50% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.11%
18 Month Certificate Special
4.169%
4.25%
18-Month
Min Balance$500
DetailsAt maturity, the CD will be renewed into a 24-month CD.
Last Updated10/29/2026
Rate History
No change since Oct 19, 2026 · 4.25% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.11%
iSave Youth (1 Year)
3.445%
3.50%
1 Year
Min Balance$25
DetailsYouth certificate. Not eligible for military rate increase.
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.11%
Save to Win (1 year)
3.445%
3.50%
1 year
Min Balance$25
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.11%
FreeStar Financial Credit Union Savings Rates
Product
Rate
APY
View More
Christmas Club
0.15%
0.15%
DetailsDividends paid Mo; Dividend Rate only applies to balances over $100.
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.15% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.11%
Regular Share Savings
0.15%
0.15%
Min Balance$10
DetailsDividends paid Qtrly; Dividend Rate only applies to balances over $100.
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.15% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.11%
Special Savings
0.15%
0.15%
Min Balance$0
DetailsDividends paid Qtrly; Dividend Rate only applies to balances over $100.
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.15% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.11%
Vacation Club
0.15%
0.15%
Min Balance$0
DetailsDividends paid Qtrly; Dividend Rate only applies to balances over $100.
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.15% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.11%
FreeStar Financial Credit Union Mortgage Rates
Product
Rate
Points
APR
Term
View More
Adjustable Rate Mortgage - 3 Year
-
-
5.50%
3 Year
DetailsAs Low As; Effective Date: Thursday, October 29th, 2026; 3 year ARM adjusts every 3 years; 30 year amortization; up to 90% LTV without PMI
Last Updated10/29/2026
Rate History
No change since Oct 19, 2026 · 5.50% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.11%
Adjustable Rate Mortgages - 3 Year
-
-
5.50%
3 Year
DetailsAs Low As; Effective Date: Thursday, October 29th, 2026
Last Updated10/29/2026
Rate History
No change since Oct 29, 2026 · 5.50% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.11%
Vacant Land - 10 Year Fixed Rate
-
-
5.625%
DetailsAs Low As; Effective Thursday, October 29th, 2026
Last Updated10/29/2026
Rate History
No change since Oct 19, 2026 · 5.63% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.11%
Adjustable Rate Mortgage - 5 Year
-
-
5.75%
5 Year
DetailsAs Low As; Effective Date: Thursday, October 29th, 2026; 5 year ARM adjusts every 5 years; 30 year amortization; up to 90% LTV without PMI
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 5.75% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.11%
Adjustable Rate Mortgages - 5 Year
-
-
5.75%
5 Year
DetailsAs Low As; Effective Date: Thursday, October 29th, 2026
Last Updated10/29/2026
Rate History
No change since Oct 29, 2026 · 5.75% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.11%
Fixed Rate Mortgage - 10 Year Fixed
5.75%
0
5.75%
DetailsAs Low As; Effective Thursday, October 29th, 2026
Last Updated10/29/2026
Rate History
No change since Oct 29, 2026 · 5.75% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.11%
Adjustable Rate Mortgage - 7 Year
-
-
6.00%
7 Year
DetailsAs Low As; Effective Date: Thursday, October 29th, 2026; 7 year ARM adjusts every 7 years; 30 year amortization; up to 90% LTV without PMI
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 6.00% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.11%
Adjustable Rate Mortgages - 7 Year
-
-
6.00%
7 Year
DetailsAs Low As; Effective Date: Thursday, October 29th, 2026
Last Updated10/29/2026
Rate History
No change since Oct 29, 2026 · 6.00% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.11%
Fixed Rate Mortgage - 15 Year Fixed
6.00%
0
6.00%
DetailsAs Low As; Effective Thursday, October 29th, 2026
Last Updated10/29/2026
Rate History
No change since Oct 29, 2026 · 6.00% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.11%
Vacant Land - 15 Year Fixed Rate
-
-
6.00%
DetailsAs Low As; Effective Thursday, October 29th, 2026
Last Updated10/29/2026
Rate History
No change since Oct 19, 2026 · 6.00% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.11%
Fixed Rate Mortgage - 20 Year Fixed
6.25%
0
6.25%
DetailsAs Low As; Effective Thursday, October 29th, 2026
Last Updated10/29/2026
Rate History
No change since Oct 29, 2026 · 6.25% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.11%
Vacant Land - 20 Year Fixed Rate
-
-
6.375%
DetailsAs Low As; Effective Thursday, October 29th, 2026
Last Updated10/29/2026
Rate History
No change since Oct 19, 2026 · 6.38% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.11%
Fixed Rate Mortgage - 30 Year Fixed
6.50%
0
6.50%
DetailsAs Low As; Effective Thursday, October 29th, 2026
Last Updated10/29/2026
Rate History
No change since Oct 29, 2026 · 6.50% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.11%
Vacant Land - 30 Year Fixed Rate
-
-
6.75%
DetailsAs Low As; Effective Thursday, October 29th, 2026
Last Updated10/29/2026
Rate History
No change since Oct 19, 2026 · 6.75% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.11%
FreeStar Financial Credit Union Home Equity & HELOC
Product
Rate
Points
APR
Term
View More
Home Equity Line of Credit
-
-
7.00%
DetailsAs Low As; Adjusts every 5 years; Maximum APR 18%; $75 annual fee may apply; termination fee $250 if closed within 36 months
Last Updated10/29/2026
Rate History
1 change since Sep 14, 2026 · 6.50% → 7.00% ▲ 0.50 pts · high 7.00% / low 6.50%
Oct 19, 20267.00%▲ from 6.50%
Sep 14, 20266.50%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.11%
FreeStar Financial Credit Union Auto Loan Rates
Product
Rate
Points
APR
Term
View More
New or Used Vehicle Loan - Military
-
-
2.99%
Up to 36 Months
DetailsMilitary APR; Model Year: New or Used Vehicle, 2022 and Newer
Last Updated10/29/2026
Rate History
No change since Oct 19, 2026 · 2.99% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.11%
New or Used Vehicle, 2022 and Newer - Military Loan
-
-
2.99%
Up to 36 Months
DetailsMilitary APR; Model Year: 2022 and Newer
Last Updated10/29/2026
Rate History
No change since Oct 19, 2026 · 2.99% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.11%
New or Used Vehicle Loan
-
-
3.74%
Up to 36 Months
DetailsAs Low As; Model Year: New or Used Vehicle, 2022 and Newer
Last Updated10/29/2026
Rate History
No change since Oct 19, 2026 · 3.74% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.11%
New or Used Vehicle, 2022 and Newer Loan
-
-
3.74%
Up to 36 Months
DetailsAs Low As; Model Year: 2022 and Newer
Last Updated10/29/2026
Rate History
No change since Oct 9, 2026 · 3.74% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.11%
New or Used Vehicle Loan - Military
-
-
3.99%
Up to 60 Months
DetailsMilitary APR; Model Year: New or Used Vehicle, 2022 and Newer
Last Updated10/29/2026
Rate History
No change since Oct 19, 2026 · 3.99% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.11%
New or Used Vehicle, 2022 and Newer - Military Loan
-
-
3.99%
Up to 60 Months
DetailsMilitary APR; Model Year: 2022 and Newer
Last Updated10/29/2026
Rate History
No change since Oct 19, 2026 · 3.99% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.11%
New or Used Vehicle Loan - Military
-
-
4.24%
Up to 72 Months
DetailsMilitary APR; Model Year: New or Used Vehicle, 2022 and Newer; Loan amount > $15k
Last Updated10/29/2026
Rate History
No change since Oct 19, 2026 · 4.24% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.11%
New or Used Vehicle Loan - Military
-
-
4.24%
Up to 60 Months
DetailsMilitary APR; Model Year: Used Vehicle, 2020-2021
Last Updated10/29/2026
Rate History
1 change since Oct 19, 2026 · 3.99% → 4.24% ▲ 0.25 pts · high 4.24% / low 3.99%
Oct 29, 20264.24%▲ from 3.99%
Oct 19, 20263.99%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.11%
New or Used Vehicle, 2022 and Newer - Military Loan
-
-
4.24%
Up to 72 Months
DetailsMilitary APR; Model Year: 2022 and Newer; Loan Amount: > $15k
Last Updated10/29/2026
Rate History
No change since Oct 19, 2026 · 4.24% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.11%
Used Vehicle, 2020-2021 - Military Loan
-
-
4.24%
Up to 60 Months
DetailsMilitary APR; Model Year: 2020-2021
Last Updated10/29/2026
Rate History
No change since Oct 19, 2026 · 4.24% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.11%
New or Used Vehicle Loan - Military
-
-
4.49%
Up to 84 Months
DetailsMilitary APR; Model Year: New or Used Vehicle, 2022 and Newer; Loan amount > $25k
Last Updated10/29/2026
Rate History
No change since Oct 19, 2026 · 4.49% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.11%
New or Used Vehicle Loan - Military
-
-
4.49%
Up to 72 Months
DetailsMilitary APR; Model Year: Used Vehicle, 2020-2021; Loan amount > $15k
Last Updated10/29/2026
Rate History
1 change since Oct 19, 2026 · 4.24% → 4.49% ▲ 0.25 pts · high 4.49% / low 4.24%
Oct 29, 20264.49%▲ from 4.24%
Oct 19, 20264.24%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.11%
New or Used Vehicle Loan - Military
-
-
4.49%
Up to 60 Months
DetailsMilitary APR; Model Year: Used Vehicle, 2017-2019
Last Updated10/29/2026
Rate History
1 change since Oct 19, 2026 · 3.99% → 4.49% ▲ 0.50 pts · high 4.49% / low 3.99%
Oct 29, 20264.49%▲ from 3.99%
Oct 19, 20263.99%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.11%
New or Used Vehicle, 2022 and Newer - Military Loan
-
-
4.49%
Up to 84 Months
DetailsMilitary APR; Model Year: 2022 and Newer; Loan Amount: > $25k
Last Updated10/29/2026
Rate History
No change since Oct 19, 2026 · 4.49% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.11%
Used Vehicle, 2017-2019 - Military Loan
-
-
4.49%
Up to 60 Months
DetailsMilitary APR; Model Year: 2017-2019
Last Updated10/29/2026
Rate History
No change since Oct 19, 2026 · 4.49% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.11%
Used Vehicle, 2020-2021 - Military Loan
-
-
4.49%
Up to 72 Months
DetailsMilitary APR; Model Year: 2020-2021; Loan Amount: > $15k
Last Updated10/29/2026
Rate History
No change since Oct 19, 2026 · 4.49% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.11%
New or Used Vehicle Loan
-
-
4.74%
Up to 60 Months
DetailsAs Low As; Model Year: New or Used Vehicle, 2022 and Newer
Last Updated10/29/2026
Rate History
No change since Oct 19, 2026 · 4.74% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.11%
New or Used Vehicle, 2022 and Newer Loan
-
-
4.74%
Up to 60 Months
DetailsAs Low As; Model Year: 2022 and Newer
Last Updated10/29/2026
Rate History
No change since Oct 9, 2026 · 4.74% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.11%
Used Vehicle, 2017-2019 - Military Loan
-
-
4.74%
Up to 72 Months
DetailsMilitary APR; Model Year: 2017-2019; Loan Amount: > $15k
Last Updated10/29/2026
Rate History
No change since Oct 19, 2026 · 4.74% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.11%
New or Used Vehicle Loan
-
-
4.99%
Up to 72 Months
DetailsAs Low As; Model Year: New or Used Vehicle, 2022 and Newer; Loan amount > $15k
Last Updated10/29/2026
Rate History
No change since Oct 19, 2026 · 4.99% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.11%
New or Used Vehicle Loan
-
-
4.99%
Up to 60 Months
DetailsAs Low As; Model Year: Used Vehicle, 2020-2021
Last Updated10/29/2026
Rate History
1 change since Oct 19, 2026 · 4.74% → 4.99% ▲ 0.25 pts · high 4.99% / low 4.74%
Oct 29, 20264.99%▲ from 4.74%
Oct 19, 20264.74%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.11%
New or Used Vehicle, 2022 and Newer Loan
-
-
4.99%
Up to 72 Months
DetailsAs Low As; Model Year: 2022 and Newer; Loan Amount: > $15k
Last Updated10/29/2026
Rate History
No change since Oct 9, 2026 · 4.99% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.11%
Used Vehicle, 2020-2021 - Military Loan
-
-
4.99%
Up to 84 Months
DetailsMilitary APR; Model Year: 2020-2021; Loan Amount: > $25k
Last Updated10/29/2026
Rate History
No change since Oct 19, 2026 · 4.99% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.11%
Used Vehicle, 2020-2021 Loan
-
-
4.99%
Up to 60 Months
DetailsAs Low As; Model Year: 2020-2021
Last Updated10/29/2026
Rate History
No change since Oct 9, 2026 · 4.99% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.11%
New or Used Vehicle Loan
-
-
5.24%
Up to 84 Months
DetailsAs Low As; Model Year: New or Used Vehicle, 2022 and Newer; Loan amount > $25k
Last Updated10/29/2026
Rate History
No change since Oct 19, 2026 · 5.24% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.11%
New or Used Vehicle Loan
-
-
5.24%
Up to 72 Months
DetailsAs Low As; Model Year: Used Vehicle, 2020-2021; Loan amount > $15k
Last Updated10/29/2026
Rate History
1 change since Oct 19, 2026 · 4.99% → 5.24% ▲ 0.25 pts · high 5.24% / low 4.99%
Oct 29, 20265.24%▲ from 4.99%
Oct 19, 20264.99%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.11%
New or Used Vehicle Loan
-
-
5.24%
Up to 60 Months
DetailsAs Low As; Model Year: Used Vehicle, 2017-2019
Last Updated10/29/2026
Rate History
1 change since Oct 19, 2026 · 4.74% → 5.24% ▲ 0.50 pts · high 5.24% / low 4.74%
Oct 29, 20265.24%▲ from 4.74%
Oct 19, 20264.74%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.11%
New or Used Vehicle, 2022 and Newer Loan
-
-
5.24%
Up to 84 Months
DetailsAs Low As; Model Year: 2022 and Newer; Loan Amount: > $25k
Last Updated10/29/2026
Rate History
No change since Oct 9, 2026 · 5.24% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.11%
Used Vehicle, 2017-2019 - Military Loan
-
-
5.24%
Up to 84 Months
DetailsMilitary APR; Model Year: 2017-2019; Loan Amount: > $25k
Last Updated10/29/2026
Rate History
No change since Oct 19, 2026 · 5.24% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.11%
Used Vehicle, 2017-2019 Loan
-
-
5.24%
Up to 60 Months
DetailsAs Low As; Model Year: 2017-2019
Last Updated10/29/2026
Rate History
No change since Oct 9, 2026 · 5.24% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.11%
Used Vehicle, 2020-2021 Loan
-
-
5.24%
Up to 72 Months
DetailsAs Low As; Model Year: 2020-2021; Loan Amount: > $15k
Last Updated10/29/2026
Rate History
No change since Oct 9, 2026 · 5.24% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.11%
New or Used Vehicle Loan
-
-
5.49%
Up to 72 Months
DetailsAs Low As; Model Year: Used Vehicle, 2017-2019; Loan amount > $15k
Last Updated10/29/2026
Rate History
1 change since Oct 19, 2026 · 4.99% → 5.49% ▲ 0.50 pts · high 5.49% / low 4.99%
Oct 29, 20265.49%▲ from 4.99%
Oct 19, 20264.99%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.11%
Used Vehicle, 2017-2019 Loan
-
-
5.49%
Up to 72 Months
DetailsAs Low As; Model Year: 2017-2019; Loan Amount: > $15k
Last Updated10/29/2026
Rate History
No change since Oct 9, 2026 · 5.49% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.11%
New or Used Vehicle Loan
-
-
5.74%
Up to 84 Months
DetailsAs Low As; Model Year: Used Vehicle, 2020-2021; Loan amount > $25k
Last Updated10/29/2026
Rate History
1 change since Oct 19, 2026 · 5.24% → 5.74% ▲ 0.50 pts · high 5.74% / low 5.24%
Oct 29, 20265.74%▲ from 5.24%
Oct 19, 20265.24%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.11%
New or Used Vehicle, 2022 and Newer - Military Loan
-
-
5.74%
Up to 96 Months
DetailsMilitary APR; Model Year: 2022 and Newer; Loan Amount: > $30k
Last Updated10/29/2026
Rate History
No change since Oct 19, 2026 · 5.74% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.11%
Used Vehicle, 2020-2021 Loan
-
-
5.74%
Up to 84 Months
DetailsAs Low As; Model Year: 2020-2021; Loan Amount: > $25k
Last Updated10/29/2026
Rate History
No change since Oct 9, 2026 · 5.74% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.11%
New or Used Vehicle Loan
-
-
5.99%
Up to 84 Months
DetailsAs Low As; Model Year: Used Vehicle, 2017-2019; Loan amount > $25k
Last Updated10/29/2026
Rate History
1 change since Oct 19, 2026 · 5.24% → 5.99% ▲ 0.75 pts · high 5.99% / low 5.24%
Oct 29, 20265.99%▲ from 5.24%
Oct 19, 20265.24%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.11%
Used Vehicle, 2016 and Older - Military Loan
-
-
5.99%
Up to 60 Months
DetailsMilitary APR; Model Year: 2016 and Older
Last Updated10/29/2026
Rate History
No change since Oct 19, 2026 · 5.99% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.11%
Used Vehicle, 2017-2019 Loan
-
-
5.99%
Up to 84 Months
DetailsAs Low As; Model Year: 2017-2019; Loan Amount: > $25k
Last Updated10/29/2026
Rate History
No change since Oct 9, 2026 · 5.99% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.11%
New or Used Vehicle Loan - Military
-
-
6.24%
Up to 72 Months
DetailsMilitary APR; Model Year: Used Vehicle, 2016 and Older; Loan amount > $15k
Last Updated10/29/2026
Rate History
1 change since Oct 19, 2026 · 4.24% → 6.24% ▲ 2.00 pts · high 6.24% / low 4.24%
Oct 29, 20266.24%▲ from 4.24%
Oct 19, 20264.24%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.11%
Used Vehicle, 2016 and Older - Military Loan
-
-
6.24%
Up to 72 Months
DetailsMilitary APR; Model Year: 2016 and Older; Loan Amount: > $15k
Last Updated10/29/2026
Rate History
No change since Oct 19, 2026 · 6.24% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.11%
New or Used Vehicle Loan
-
-
6.49%
Up to 96 Months
DetailsAs Low As; Model Year: New or Used Vehicle, 2022 and Newer; Loan amount > $30k
Last Updated10/29/2026
Rate History
No change since Oct 19, 2026 · 6.49% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.11%
New or Used Vehicle, 2022 and Newer Loan
-
-
6.49%
Up to 96 Months
DetailsAs Low As; Model Year: 2022 and Newer; Loan Amount: > $30k
Last Updated10/29/2026
Rate History
No change since Oct 9, 2026 · 6.49% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.11%
New or Used Vehicle Loan
-
-
6.74%
Up to 60 Months
DetailsAs Low As; Model Year: Used Vehicle, 2016 and Older
Last Updated10/29/2026
Rate History
1 change since Oct 19, 2026 · 4.74% → 6.74% ▲ 2.00 pts · high 6.74% / low 4.74%
Oct 29, 20266.74%▲ from 4.74%
Oct 19, 20264.74%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.11%
Used Vehicle, 2016 and Older Loan
-
-
6.74%
Up to 60 Months
DetailsAs Low As; Model Year: 2016 and Older
Last Updated10/29/2026
Rate History
No change since Oct 9, 2026 · 6.74% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.11%
New or Used Vehicle Loan
-
-
6.99%
Up to 72 Months
DetailsAs Low As; Model Year: Used Vehicle, 2016 and Older; Loan amount > $15k
Last Updated10/29/2026
Rate History
1 change since Oct 19, 2026 · 4.99% → 6.99% ▲ 2.00 pts · high 6.99% / low 4.99%
Oct 29, 20266.99%▲ from 4.99%
Oct 19, 20264.99%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.11%
Used Vehicle, 2016 and Older Loan
-
-
6.99%
Up to 72 Months
DetailsAs Low As; Model Year: 2016 and Older; Loan Amount: > $15k
Last Updated10/29/2026
Rate History
No change since Oct 9, 2026 · 6.99% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.11%
FreeStar Financial Credit Union RV, Boat and Powersport Loan Rates
Product
Rate
APR
Term
View More
Motorcycle Loan
-
5.49%
Up to 60 Months
DetailsAs Low As; Fixed; Effective Date: Thursday, October 29th, 2026
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 5.49% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.11%
Marine (Non-personal watercraft) - Fixed
-
5.74%
Up to 84 months
DetailsAs Low As; Type: Fixed; As low as rate includes discounts for Payment Protection coverage OR active checking with minimum full payroll direct deposit of $2,000 per month
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 5.74% APR · checked 9 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.11%
Motorcycle Loan
-
5.74%
Up to 72 Months
DetailsAs Low As; Fixed; Effective Date: Thursday, October 29th, 2026
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 5.74% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.11%
Campers and Motor Homes - Fixed
-
5.99%
Up to 84 months
Detailsunder $25,000; As Low As; Fixed under $25,000; as low as rate includes Payment Protection or active checking with minimum $2,000 monthly payroll direct deposit discount
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 5.99% APR · checked 9 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.11%
Motorcycle Loan
-
5.99%
Up to 84 Months
DetailsAs Low As; Fixed; Over $10,000; Effective Date: Thursday, October 29th, 2026
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 5.99% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.11%
Campers and Motor Homes - Fixed above
-
6.24%
Up to 144 months
Details$25,000; As Low As; Fixed above $25,000 (term ineligible for CL/CD); as low as rate includes Payment Protection or active checking with minimum $2,000 monthly payroll direct deposit discount
Last Updated10/29/2026
Rate History
No change since Oct 9, 2026 · 6.24% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.11%
Marine (Non-personal watercraft) - Fixed above
-
6.24%
Up to 144 months
Details$25,000; As Low As; Fixed above $25,000 (term ineligible for CL/CD); As low as rate includes discounts for Payment Protection coverage OR active checking with minimum full payroll direct deposit of $2,000 per month
Last Updated10/29/2026
Rate History
No change since Oct 9, 2026 · 6.24% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.11%
Campers and Motor Homes - Fixed above
-
6.49%
Up to 180 months
Details$25,000; As Low As; Fixed above $25,000 (term ineligible for CL/CD); as low as rate includes Payment Protection or active checking with minimum $2,000 monthly payroll direct deposit discount
Last Updated10/29/2026
Rate History
No change since Oct 9, 2026 · 6.49% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.11%
Marine (Non-personal watercraft) - Fixed above
-
6.49%
Up to 180 months
Details$25,000; As Low As; Fixed above $25,000 (term ineligible for CL/CD); As low as rate includes discounts for Payment Protection coverage OR active checking with minimum full payroll direct deposit of $2,000 per month
Last Updated10/29/2026
Rate History
No change since Oct 9, 2026 · 6.49% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.11%
Power Sports (Jet Ski, ATVs, & Snowmobiles) Loan
-
6.49%
Up to 60 months
DetailsAs Low As; Fixed; Effective Date: Thursday, October 29th, 2026; Rate may change based on credit history, term and other factors; as low as rate includes discounts for Payment Protection coverage OR active checking with minimum full payroll direct deposit of $2,000 per month
Last Updated10/29/2026
Rate History
No change since Oct 29, 2026 · 6.49% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.11%
Marine (Non-personal watercraft) - Fixed above
-
6.74%
Up to 240 months
Details$75,000; As Low As; Fixed above $75,000 (term ineligible for CL/CD); As low as rate includes discounts for Payment Protection coverage OR active checking with minimum full payroll direct deposit of $2,000 per month
Last Updated10/29/2026
Rate History
No change since Oct 9, 2026 · 6.74% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.11%
Motorcycle Loan
-
6.74%
Up to 120 Months
DetailsAs Low As; Fixed; Over $30,000; Effective Date: Thursday, October 29th, 2026
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 6.74% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.11%
Power Sports (Jet Ski, ATVs, & Snowmobiles) Loan
-
6.74%
Up to 72 months
DetailsAs Low As; Fixed; Effective Date: Thursday, October 29th, 2026; Rate may change based on credit history, term and other factors; as low as rate includes discounts for Payment Protection coverage OR active checking with minimum full payroll direct deposit of $2,000 per month
Last Updated10/29/2026
Rate History
No change since Oct 29, 2026 · 6.74% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.11%
Power Sports (Jet Ski, ATVs, & Snowmobiles) Loan
-
6.99%
Up to 84 months
DetailsAs Low As; Fixed Over $10,000; Loan amount over $10,000; Effective Date: Thursday, October 29th, 2026; Rate may change based on credit history, term and other factors; as low as rate includes discounts for Payment Protection coverage OR active checking with minimum full payroll direct deposit of $2,000 per month
Last Updated10/29/2026
Rate History
No change since Oct 29, 2026 · 6.99% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.11%
FreeStar Financial Credit Union Credit Card Rates
Product
Rate
APR
View More
Heroes' VISA Platinum
-
8.50%
DetailsIntro rate expires: 90 days from account opening; Regular APR: 8.50%; For qualified members only; Membership eligibility and credit qualification required
Last Updated10/29/2026
Rate History
No change since Sep 21, 2026 · 8.50% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.11%
VISA Platinum
-
9.50%
DetailsIntro rate expires: 90 days from account opening; Regular APR: 9.50%; Promotional APR applies to purchases and balance transfers
Last Updated10/29/2026
Rate History
No change since Sep 21, 2026 · 9.50% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.11%
Heroes' VISA Classic
-
11.90%
DetailsIntro rate expires: 90 days from account opening; Regular APR: 11.90%; For qualified members only; Membership eligibility and credit qualification required
Last Updated10/29/2026
Rate History
No change since Sep 21, 2026 · 11.90% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.11%
VISA Classic
-
12.90%
DetailsIntro rate expires: 90 days from account opening; Regular APR: 12.90%; Promotional APR applies to purchases and balance transfers
Last Updated10/29/2026
Rate History
No change since Sep 21, 2026 · 12.90% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.11%
VISA One Card
-
15.90%
No additional details.
Last Updated10/29/2026
Rate History
No change since Sep 21, 2026 · 15.90% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.11%
FreeStar Financial Credit Union Personal Loan Rates
Product
APR
Term
View More
Marine (Non-personal watercraft) - Fixed
5.74%
Up to 84 months
DetailsAs Low As; Type: Fixed; As low as rate includes discounts for Payment Protection coverage OR active checking with minimum full payroll direct deposit of $2,000 per month
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 5.74% APR · checked 9 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.11%
Marine (Non-personal watercraft) - Fixed above
6.24%
Up to 144 months
Details$25,000; As Low As; Fixed above $25,000 (term ineligible for CL/CD); As low as rate includes discounts for Payment Protection coverage OR active checking with minimum full payroll direct deposit of $2,000 per month
Last Updated10/29/2026
Rate History
No change since Oct 9, 2026 · 6.24% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.11%
Marine (Non-personal watercraft) - Fixed above
6.49%
Up to 180 months
Details$25,000; As Low As; Fixed above $25,000 (term ineligible for CL/CD); As low as rate includes discounts for Payment Protection coverage OR active checking with minimum full payroll direct deposit of $2,000 per month
Last Updated10/29/2026
Rate History
No change since Oct 9, 2026 · 6.49% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.11%
Marine (Non-personal watercraft) - Fixed above
6.74%
Up to 240 months
Details$75,000; As Low As; Fixed above $75,000 (term ineligible for CL/CD); As low as rate includes discounts for Payment Protection coverage OR active checking with minimum full payroll direct deposit of $2,000 per month
Last Updated10/29/2026
Rate History
No change since Oct 9, 2026 · 6.74% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.11%
Personal Loan - Unsecured
9.74%
Up to 24 months
Detailsup to $15,000; As Low As; Minimum loan $1000; New money only; As low as rate includes Payment Protection or full payroll direct deposit of $2,000+ per month discounts
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 9.74% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.11%
Personal Loan - Unsecured
9.99%
Up to 60 months
Detailsup to $15,000; As Low As; Minimum loan $1000; New money only; As low as rate includes Payment Protection or full payroll direct deposit of $2,000+ per month discounts
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 9.99% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.11%
Personal Loan - Unsecured
10.99%
Up to 60 months
Details$15,001 - $25,000; As Low As; Minimum loan $1000; New money only; As low as rate includes Payment Protection or full payroll direct deposit of $2,000+ per month discounts
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 10.99% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.11%
Personal Loan - Unsecured
11.49%
61-72 months
Details$15,001 - $25,000; As Low As; Minimum loan $1000; New money only; As low as rate includes Payment Protection or full payroll direct deposit of $2,000+ per month discounts
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 11.49% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.11%
FreeStar Financial Credit Union Other Rates
Product
Rate
Points
APY/APR
Term
View More
Mobile Homes - New Homes Loan
-
-
7.00%
Up to 180 months
DetailsAs Low As; 10% down payment required; New requires 10% down, up to 180 months
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 7.00% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.11%
Mobile Homes - Used Homes Loan
-
-
8.00%
15 years
DetailsTerm: Max 15 years above home's age; As Low As; 20% down payment required; Used required 20% down, maturity not to exceed 15 years of age
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 8.00% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.11%
Revolving Line of Credit
-
-
10.99%
DetailsAs Low As; APR* as low as rate includes discounts for Payment Protection coverage OR active checking with a full payroll direct deposit of $2,000 per month; minimum payment 2% or $25.00; 1% military rate discount may apply, excluding Military Line of Credit and Loyalty Lines of Credit
Last Updated10/29/2026
Rate History
No change since Oct 19, 2026 · 10.99% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.11%
Five Year
3.203%
-
3.25%
Min Balance$500
Last Updated10/29/2026
Rate History
No change since Sep 21, 2026 · 3.25% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.11%
Five Year - Military
4.169%
-
4.25%
Min Balance$500
DetailsMilitary rate. Qualified Military Members receive a 1% rate increase on all CDs (excluding iSave); requires full direct deposit of at least $2,000 into checking; military status verification required.
Last Updated10/29/2026
Rate History
No change since Sep 21, 2026 · 4.25% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.11%
Four Year
3.203%
-
3.25%
Min Balance$500
Last Updated10/29/2026
Rate History
No change since Sep 21, 2026 · 3.25% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.11%
Four Year - Military
4.169%
-
4.25%
Min Balance$500
DetailsMilitary rate. Qualified Military Members receive a 1% rate increase on all CDs (excluding iSave); requires full direct deposit of at least $2,000 into checking; military status verification required.
Last Updated10/29/2026
Rate History
No change since Sep 21, 2026 · 4.25% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.11%
Individual Retirement Account (IRA)
0.50%
-
0.50%
Min Balance$250
DetailsDividends paid Qtrly.
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.50% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.11%
IRA Rollover
0.50%
-
0.50%
DetailsDividends paid Qtrly.
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.50% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.11%
Money Management Accounts
0.10%
-
0.10%
Min Balance$1,000
DetailsBalance: $1,000 to $5,000.00; Dividends paid monthly
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.11%
Money Management Accounts
0.25%
-
0.25%
Min Balance$5,000
DetailsBalance: $5,000 to $49,999; Dividends paid monthly
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.25% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.11%
Money Management Accounts
0.449%
-
0.45%
Min Balance$50,000
DetailsBalance: $50,000 to $74,999; Dividends paid monthly
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.45% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.11%
Money Management Accounts
0.549%
-
0.55%
Min Balance$75,000
DetailsBalance: $75,000 to $99,999; Dividends paid monthly
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.55% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.11%
Money Management Accounts
0.598%
-
0.60%
Min Balance$100,000
DetailsBalance: $100,000 to 149,999; Dividends paid monthly
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.60% APY · checked 10 times
No change since Sep 14, 2026 · 0.70% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.11%
One Year
3.445%
-
3.50%
Min Balance$500
Last Updated10/29/2026
Rate History
No change since Sep 21, 2026 · 3.50% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.11%
One Year - Military
4.41%
-
4.50%
Min Balance$500
DetailsMilitary rate. Qualified Military Members receive a 1% rate increase on all CDs (excluding iSave); requires full direct deposit of at least $2,000 into checking; military status verification required.
Last Updated10/29/2026
Rate History
No change since Sep 21, 2026 · 4.50% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.11%
Six Month
3.928%
-
4.00%
Min Balance$500
Last Updated10/29/2026
Rate History
No change since Sep 21, 2026 · 4.00% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.11%
Six Month - Military
4.889%
-
5.00%
Min Balance$500
DetailsMilitary rate. Qualified Military Members receive a 1% rate increase on all CDs (excluding iSave); requires full direct deposit of at least $2,000 into checking; military status verification required.
Last Updated10/29/2026
Rate History
No change since Sep 21, 2026 · 5.00% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.11%
Three Year
3.203%
-
3.25%
Min Balance$500
Last Updated10/29/2026
Rate History
No change since Sep 21, 2026 · 3.25% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.11%
Three Year - Military
4.169%
-
4.25%
Min Balance$500
DetailsMilitary rate. Qualified Military Members receive a 1% rate increase on all CDs (excluding iSave); requires full direct deposit of at least $2,000 into checking; military status verification required.
Last Updated10/29/2026
Rate History
No change since Sep 21, 2026 · 4.25% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.11%
Two Year
3.687%
-
3.75%
Min Balance$500
Last Updated10/29/2026
Rate History
No change since Sep 21, 2026 · 3.75% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.11%
Two Year - Military
4.649%
-
4.75%
Min Balance$500
DetailsMilitary rate. Qualified Military Members receive a 1% rate increase on all CDs (excluding iSave); requires full direct deposit of at least $2,000 into checking; military status verification required.
Last Updated10/29/2026
Rate History
No change since Sep 21, 2026 · 4.75% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.11%
Financial Health History
FreeStar Financial Credit Union’s Texas Ratio rose from 5.19% in Q3 2023 to 7.11% in Q2 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 and its Health Grade from A+ to A. 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
June 30, 2026
$350M
7.11%
5.0
A
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+
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.
Address
37570 S Gratiot Ave,
Clinton Township, MI 48036
Phone586-466-7800
Fax586-468-6881
PresidentRaymond White Jr.
CEODrema Isaac
Full-Time Employees75
Part-Time Employees2
Branch Locations8
ATM Locations7
NCUA Insured✓ Yes, up to $250,000 per depositor
Financials
MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (96/100)
Texas Ratio
7.11%
Return on Assets (ROA)
0.2267%
Return on Equity (ROE)
2.3547%
Non-Performing Loans Ratio (NPL)
1.17%
Total Assets
350,049,471
Total Amount of Shares and Deposits
312,495,354
Total Shares and Deposits < 1 Year
275,214,719
Total Shares and Deposits 1 3 Years
33,122,832
Total Shares and Deposits > 3 Years
4,157,803
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
15,874,771
Total Uninsured Shares and Deposits > $250K (F+J)
15,874,771
Total Insured Shares and Deposits > $250K (item 17 less item K)
296,620,583
Total Interest Expense (Sum of items 6 8)
2,062,799
Share Certificates
3,383
Number of Accounts for Share Drafts
12,532
IRA KEOGH Accounts
711
Number of Accounts for Regular Shares
21,761
All other shares
1,879
Non Member Deposits
6
Money Market Shares
1,413
Net Income (unless the amount is already included in Undivided Earnings)
793,574
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)
44,191,490
Total Liabilities
319,181,628
Source: NCUA — Last Updated 06/30/2026
2026 MBR Health & Safety Badge
FreeStar Financial Credit Union earned the Verified Healthy badge
Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.
Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter, and this profile page always shows the latest results, so the code never needs to change.
Learn more about the MBR Health & Safety Badge program on our methodology page.
Customer Reviews
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Average Rating
☆☆☆☆☆
Total Reviews
0
Add Your Rating and Review for FreeStar Financial Credit Union
Frequently Asked Questions About FreeStar Financial Credit Union
Does FreeStar Financial Credit Union offer CDs?
Yes. FreeStar Financial Credit Union current CD rates include its 18-Month Special - Military CD at 5.25% APY, its iSave Youth CD (1 Year) - Military at 4.50% APY and its Save to Win (1 year) - Military CD at 4.50% APY, verified by MonitorBankRates as of October 29, 2026.
Are CDs from FreeStar Financial Credit Union NCUA insured?
Yes. FreeStar Financial Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.
What is the highest CD rate at FreeStar Financial Credit Union?
The highest FreeStar Financial Credit Union CD rate is its 18-Month Special - Military CD at 5.25% APY, verified by MonitorBankRates as of October 29, 2026.
What CD terms does FreeStar Financial Credit Union offer?
FreeStar Financial Credit Union CD rates are 4.50% APY for a 12 month CD and 4.25% APY for an 18 month CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with FreeStar Financial Credit Union for its full lineup.
What is the highest savings rate at FreeStar Financial Credit Union?
The highest FreeStar Financial Credit Union savings rate is its Regular Savings at 0.15% APY, verified by MonitorBankRates as of October 29, 2026.
What is the lowest 30 year fixed mortgage rate at FreeStar Financial Credit Union?
The lowest FreeStar Financial Credit Union 30 year fixed mortgage rate is its Fixed Rate Mortgage - 30 Year Fixed at 6.50%, verified by MonitorBankRates as of October 29, 2026. FreeStar Financial Credit Union mortgage rates are 6.50% for a 30 year mortgage, 6.25% for a 20 year mortgage, 6.00% for a 15 year mortgage, 5.75% for a 10 year mortgage, 6.00% APR for a 7 year mortgage, 5.75% APR for a 5 year mortgage and 5.50% APR for a 3 year mortgage.
What is the lowest auto loan rate at FreeStar Financial Credit Union?
The lowest FreeStar Financial Credit Union auto loan rate is its New or Used Vehicle Loan - Military at 2.99% APR, verified by MonitorBankRates as of October 29, 2026.
What is the lowest personal loan rate at FreeStar Financial Credit Union?
The lowest FreeStar Financial Credit Union personal loan rate is its Marine (Non-personal watercraft) - Fixed at 5.74% APR, verified by MonitorBankRates as of October 29, 2026.
What is the lowest credit card APR at FreeStar Financial Credit Union?
The lowest FreeStar Financial Credit Union credit card APR is its Heroes' VISA Platinum Credit Card at 8.50% APR, verified by MonitorBankRates as of October 29, 2026.
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.
Are all CD rates listed on MonitorBankRates federally insured?
Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.
I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?
You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.
If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?
Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.
Why are some CD offers not available for me to open?
Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.
How do FreeStar Financial Credit Union rates compare?
FreeStar Financial Credit Union's CD rates are 48% higher than the MonitorBankRates national average, and it has an A health rating. FreeStar Financial Credit Union's top rates are its 18-Month Special - Military CD at 5.25% APY, its Regular Savings at 0.15% APY, its Adjustable Rate Mortgage - 3 Year at 5.50%, its Marine (Non-personal watercraft) - Fixed at 5.74% APR and its Heroes' VISA Platinum Credit Card at 8.50% APR, verified by MonitorBankRates on October 29, 2026.
Current FreeStar Financial Credit Union Rates
12-Month CD3.50%
18-Month CD4.25%
Savings0.15%
Retrieved from our database of financial products. Rates subject to change.
Brian McKay
