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Fremont Federal Credit Union Rates & Review October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
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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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| iEditorial Disclosure
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 12, 2026

Fremont Federal Credit Union's top rates as of October 12, 2026 are 4.90% APY on its CDs - 60 Month CD, 3.04% APY on savings, 10.47% APY on checking, personal loans from 11.39% APR, and credit cards from 11.70% APR, according to rates verified by MonitorBankRates. Other Fremont Federal Credit Union CD rates include CDs - 48 Month at 4.80%, CDs - 36 Month at 4.70%, and CDs - 30 Month at 4.65%. MonitorBankRates evaluates the financial stability of Fremont Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.36%. Rates last updated and verified on 10/12/2026.

Fremont Federal 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 Fremont Federal Credit Union? Share your experience about Fremont Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Fremont Federal Credit Union.

MonitorBankRates Verified Healthy Badge Q2 2026 Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website
Overall Health & Safety Grade ?
A+
Exceptional Health Score: 98/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
4.36%
Excellent Lower than avg
Health Trend ?
Very strong 12 quarters
Full history ›
Fremont Federal Credit Union
Main Office
315 Croghan St
Fremont, OH 43420-3013
https://www.fremontfcu.com
Member NCUA
Customer Reviews
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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.

Fremont Federal Credit Union CD Rates

Product Rate APY Term View More
Share Certificates - 60 Month 4.79% 4.90% 60 Month
Min Balance $1,000
Details Type: Regular/IRA; Dividends compound & paid: Daily
Last Updated 10/12/2026
Rate History
1 change since Sep 14, 2026 · 4.31% → 4.90% ▲ 0.59 pts · high 4.90% / low 4.31%
3.72%4.61%5.49%Sep 14, 2026: 4.31% APYOct 12, 2026: 4.90% APYSep 14, 2026Oct 13, 2026
  • Oct 12, 20264.90%▲ from 4.31%
  • Sep 14, 20264.31%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.36%
Share Certificates - 48 Month 4.70% 4.80% 48 Month
Min Balance $1,000
Details Type: Regular/IRA; Dividends compound & paid: Daily
Last Updated 10/12/2026
Rate History
1 change since Sep 14, 2026 · 4.31% → 4.80% ▲ 0.49 pts · high 4.80% / low 4.31%
3.81%4.56%5.30%Sep 14, 2026: 4.31% APYOct 12, 2026: 4.80% APYSep 14, 2026Oct 13, 2026
  • Oct 12, 20264.80%▲ from 4.31%
  • Sep 14, 20264.31%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.36%
Share Certificates - 36 Month 4.60% 4.70% 36 Month
Min Balance $1,000
Details Type: Regular/IRA; Dividends compound & paid: Daily
Last Updated 10/12/2026
Rate History
1 change since Sep 14, 2026 · 4.26% → 4.70% ▲ 0.44 pts · high 4.70% / low 4.26%
3.76%4.48%5.20%Sep 14, 2026: 4.26% APYOct 12, 2026: 4.70% APYSep 14, 2026Oct 13, 2026
  • Oct 12, 20264.70%▲ from 4.26%
  • Sep 14, 20264.26%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.36%
Share Certificates - 30 Month 4.55% 4.65% 30 Month
Min Balance $1,000
Details Type: Regular/IRA; Dividends compound & paid: Daily
Last Updated 10/12/2026
Rate History
1 change since Sep 14, 2026 · 4.21% → 4.65% ▲ 0.44 pts · high 4.65% / low 4.21%
3.71%4.43%5.15%Sep 14, 2026: 4.21% APYOct 12, 2026: 4.65% APYSep 14, 2026Oct 13, 2026
  • Oct 12, 20264.65%▲ from 4.21%
  • Sep 14, 20264.21%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.36%
Share Certificates - 24 Month 4.51% 4.60% 24 Month
Min Balance $1,000
Details Type: Regular/IRA; Dividends compound & paid: Daily
Last Updated 10/12/2026
Rate History
1 change since Sep 14, 2026 · 4.16% → 4.60% ▲ 0.44 pts · high 4.60% / low 4.16%
3.66%4.38%5.10%Sep 14, 2026: 4.16% APYOct 12, 2026: 4.60% APYSep 14, 2026Oct 13, 2026
  • Oct 12, 20264.60%▲ from 4.16%
  • Sep 14, 20264.16%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.36%
Share Certificates - 18 Month 4.46% 4.55% 18 Month
Min Balance $1,000
Details Type: Regular/IRA; Dividends compound & paid: Daily
Last Updated 10/12/2026
Rate History
1 change since Sep 14, 2026 · 4.11% → 4.55% ▲ 0.44 pts · high 4.55% / low 4.11%
3.61%4.33%5.05%Sep 14, 2026: 4.11% APYOct 12, 2026: 4.55% APYSep 14, 2026Oct 13, 2026
  • Oct 12, 20264.55%▲ from 4.11%
  • Sep 14, 20264.11%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.36%
Share Certificates - 12 Month 4.41% 4.50% 12 Month
Min Balance $1,000
Details Type: Regular/IRA; Dividends compound & paid: Daily
Last Updated 10/12/2026
Rate History
1 change since Sep 14, 2026 · 4.05% → 4.50% ▲ 0.45 pts · high 4.50% / low 4.05%
3.55%4.28%5.00%Sep 14, 2026: 4.05% APYOct 12, 2026: 4.50% APYSep 14, 2026Oct 13, 2026
  • Oct 12, 20264.50%▲ from 4.05%
  • Sep 14, 20264.05%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.36%
Share Certificates - 6 Month 4.31% 4.40% 6 Month
Min Balance $1,000
Details Type: Regular/IRA; Dividends compound & paid: Daily
Last Updated 10/12/2026
Rate History
1 change since Sep 14, 2026 · 3.96% → 4.40% ▲ 0.44 pts · high 4.40% / low 3.96%
3.46%4.18%4.90%Sep 14, 2026: 3.96% APYOct 12, 2026: 4.40% APYSep 14, 2026Oct 13, 2026
  • Oct 12, 20264.40%▲ from 3.96%
  • Sep 14, 20263.96%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.36%

Fremont Federal Credit Union Savings Rates

Product Rate APY View More
Money Market Savings Accounts 3.00% 3.04%
Min Deposit $1,000
Min Balance $100,000
Details Balance: $100,000 and higher; Dividends compound & paid monthly
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 3.04% APY · checked 6 times
2.54%3.04%3.54%Sep 14, 2026: 3.04% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.36%
Money Market Savings Accounts 2.25% 2.27%
Min Deposit $1,000
Min Balance $25,000
Details Balance: $25,000 - 99,999; Dividends compound & paid monthly
Last Updated 10/12/2026
Rate History
No change since Sep 18, 2026 · 2.27% APY · checked 5 times
1.77%2.27%2.77%Sep 18, 2026: 2.27% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.36%
Money Market Savings Accounts 1.50% 1.51%
Min Deposit $1,000
Min Balance $5,000
Details Balance: $5,000 - 24,999; Dividends compound & paid monthly
Last Updated 10/12/2026
Rate History
No change since Sep 18, 2026 · 1.51% APY · checked 5 times
1.01%1.51%2.01%Sep 18, 2026: 1.51% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.36%
Money Market Savings Accounts 0.50% 0.50%
Min Deposit $1,000
Min Balance $1,000
Details Balance: $1,000 - 4,999; Dividends compound & paid monthly
Last Updated 10/12/2026
Rate History
No change since Sep 18, 2026 · 0.50% APY · checked 5 times
0.00%0.50%1.00%Sep 18, 2026: 0.50% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.36%
Cha-Ching Teen Club Savings 0.15% 0.15%
Min Deposit $5
Details Balance: All Balances; Compounded & paid: Quarterly
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 0.15% APY · checked 6 times
0.00%0.33%0.65%Sep 14, 2026: 0.15% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.36%
Club Accounts 0.15% 0.15%
Min Deposit $0
Details Balance: All Balances; Compounded & paid: Quarterly
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 0.15% APY · checked 6 times
0.00%0.33%0.65%Sep 14, 2026: 0.15% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.36%
Dollar Dog Kids Club Savings 0.15% 0.15%
Min Deposit $5
Details Balance: All Balances; Compounded & paid: Quarterly
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 0.15% APY · checked 6 times
0.00%0.33%0.65%Sep 14, 2026: 0.15% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.36%
HSA Savings 0.15% 0.15%
Min Deposit $0
Min Balance $1,000
Details Balance: $1,000.00 and higher; Compounded & paid: Quarterly
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 0.15% APY · checked 6 times
0.00%0.33%0.65%Sep 14, 2026: 0.15% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.36%
IRA Savings 0.15% 0.15%
Min Deposit $0
Min Balance $0
Details Balance: $.01-999.99; Compounded & paid: Quarterly
Last Updated 10/12/2026
Rate History
No change since Oct 4, 2026 · 0.15% APY · checked 3 times
0.00%0.33%0.65%Oct 4, 2026: 0.15% APYOct 4, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.36%
Regular Savings - 0.15%
Min Deposit $5
Min Balance $1,000
Details Great for those getting to know us; Service charge is $2/month if the balance falls below $100; Pays interest on balances of $100 or more; Pays interest on all balances if age 18 or less; With a minimum daily balance of $1,000
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 0.15% APY · checked 5 times
0.00%0.33%0.65%Sep 14, 2026: 0.15% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.36%
Regular Savings Share Account 0.15% 0.15%
Min Deposit $5
Min Balance $100
Details Balance: $100.00 minimum daily balance to earn dividends; Compounded & paid: Quarterly
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 0.15% APY · checked 6 times
0.00%0.33%0.65%Sep 14, 2026: 0.15% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.36%

Fremont Federal Credit Union Money Market Rates

Product Rate APY View More
Money Market Savings Accounts 3.00% 3.04%
Min Deposit $1,000
Min Balance $100,000
Details Balance: $100,000 and higher; Dividends compound & paid monthly
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 3.04% APY · checked 6 times
2.54%3.04%3.54%Sep 14, 2026: 3.04% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.36%
Money Market Savings Accounts 2.25% 2.27%
Min Deposit $1,000
Min Balance $25,000
Details Balance: $25,000 - 99,999; Dividends compound & paid monthly
Last Updated 10/12/2026
Rate History
No change since Sep 18, 2026 · 2.27% APY · checked 5 times
1.77%2.27%2.77%Sep 18, 2026: 2.27% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.36%
Money Market Savings Accounts 1.50% 1.51%
Min Deposit $1,000
Min Balance $5,000
Details Balance: $5,000 - 24,999; Dividends compound & paid monthly
Last Updated 10/12/2026
Rate History
No change since Sep 18, 2026 · 1.51% APY · checked 5 times
1.01%1.51%2.01%Sep 18, 2026: 1.51% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.36%
Money Market Savings Accounts 0.50% 0.50%
Min Deposit $1,000
Min Balance $1,000
Details Balance: $1,000 - 4,999; Dividends compound & paid monthly
Last Updated 10/12/2026
Rate History
No change since Sep 18, 2026 · 0.50% APY · checked 5 times
0.00%0.50%1.00%Sep 18, 2026: 0.50% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.36%

Fremont Federal Credit Union Checking Rates

Product Rate APY View More
Hi/Lo Checking 10.00% 10.47%
Min Deposit $50
Min Balance $0
Details Qualifications Required; Balance: $0.01-$1,500.00; Qualifying balance up to $1,500.00; Balances over $1,500.00 earn 0.00% APY; Compounded & paid: Monthly
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 10.47% APY · checked 6 times
9.97%10.47%10.97%Sep 14, 2026: 10.47% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.36%
HiLo Checking - 10.47%
Min Deposit $50
Details Qualifications Required; Earn a max of 10.47% APY on balances up to $1,500.00 when monthly qualification requirements are met; Additional balances over $1,500.00 earn 0.00% APY; If qualifications are not met, the entire balance earns 0.00% APY; Balance: $0.00 - $1,500.00; Unlimited check writing and free online check copies
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 10.47% APY
9.97%10.47%10.97%Oct 12, 2026: 10.47% APYOct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.36%
Premier Checking 0.35% 0.35%
Min Deposit $50
Details Balance: All Balances; Compounded & paid: Monthly
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 0.35% APY · checked 6 times
0.00%0.43%0.85%Sep 14, 2026: 0.35% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.36%
Regular Checking 0.15% 0.15%
Min Deposit $50
Min Balance $1,000
Details Balance: $1,000.00 minimum daily balance to earn dividends; Compounded & paid: Monthly
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 0.15% APY · checked 6 times
0.00%0.33%0.65%Sep 14, 2026: 0.15% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.36%
Regular Interest Checking - 0.15%
Min Deposit $50
Min Balance $1,000
Details Open to anyone over the age of 18; With a minimum daily balance of $1,000; Service charge: $5; Minimum balance to waive the service charge: $250 daily aggregate total in any Share Deposit Account with Fremont Federal; Unlimited check writing and free online check copies
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 0.15% APY
0.00%0.33%0.65%Oct 12, 2026: 0.15% APYOct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.36%

Fremont Federal Credit Union Home Equity & HELOC

Product Rate Points APR Term View More
Home Equity Line of Credit (HELOC) up to 80% LTV - - 6.75% Up to 15 Years
Details As Low As; Rate: As low as the Prime Rate (no numeric rate printed); APR is shown as printed in the APR* column
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 6.75% APR · checked 8 times
6.25%6.75%7.25%Sep 14, 2026: 6.75% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.36%

Fremont Federal Credit Union Auto Loan Rates

Product Rate Points APR Term View More
New/Used Automobile/Trucks/Vans 4.25% - 4.713% 36 Months
Details As Low As; Automobile loan; Based on 730+ credit score
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 4.71% APR · checked 7 times
4.21%4.71%5.21%Sep 14, 2026: 4.71% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.36%
New/Used Automobile/Trucks/Vans 4.50% - 4.853% 48 Months
Details As Low As; Automobile loan; Based on 730+ credit score
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 4.85% APR · checked 7 times
4.35%4.85%5.35%Sep 14, 2026: 4.85% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.36%
New/Used Automobile/Trucks/Vans 4.75% - 5.036% 60 Months
Details As Low As; Automobile loan; Based on 730+ credit score
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 5.04% APR · checked 7 times
4.54%5.04%5.54%Sep 14, 2026: 5.04% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.36%
New/Used Automobile/Trucks/Vans 5.25% - 5.493% 72 Months
Details As Low As; Automobile loan; Based on 730+ credit score
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 5.49% APR · checked 7 times
4.99%5.49%5.99%Sep 14, 2026: 5.49% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.36%
New/Used Automobile/Trucks/Vans 5.75% - 5.962% 84 Months
Details As Low As; Automobile loan; Based on 730+ credit score
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 5.96% APR · checked 7 times
5.46%5.96%6.46%Sep 14, 2026: 5.96% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.36%

Fremont Federal Credit Union RV, Boat and Powersport Loan Rates

Product Rate APR Term View More
New/Used RV and Boat Loans 6.25% 6.405% 120 Months
Details As Low As; Fixed Rate; Based on 730+ credit score
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 6.41% APR · checked 7 times
5.91%6.41%6.91%Sep 14, 2026: 6.41% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.36%
New/Used RV and Boat Loans 6.50% 6.522% 240 Months
Details As Low As; Fixed Rate; Based on 730+ credit score
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 6.52% APR · checked 7 times
6.02%6.52%7.02%Sep 14, 2026: 6.52% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.36%
New/Used Motorcycle and ATV's Loan 6.50% 6.746% Up to 72 Months
Details As Low As; Fixed rate; based on a 730+ credit score; rates effective October 6, 2026
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 6.75% APR · checked 7 times
6.25%6.75%7.25%Sep 14, 2026: 6.75% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.36%

Fremont Federal Credit Union Student Loan Rates

Product Rate Points APR Term View More
Student Tuition/K-12 Loan - Student Loan 9.25% - 12.533% Up to 12 Months
Details As Low As; Fixed Rate
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 12.53% APR
12.03%12.53%13.03%Oct 12, 2026: 12.53% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.36%

Fremont Federal Credit Union Credit Card Rates

Product Rate APR View More
Credit Card - 11.70%
Details Published APR range: 11.70% to 18.00%. APR for Purchases: 11.70% to 18.00%; APR for Balance Transfers: 11.70% to 18.00%; APR for Cash Advances: 11.70% to 18.00%; Variable APR based on Prime Rate index; Rates effective: October 6, 2026
Last Updated 10/12/2026
Rate History
1 change since Sep 14, 2026 · 11.45% → 11.70% ▲ 0.25 pts · high 11.70% / low 11.45%
10.95%11.58%12.20%Sep 14, 2026: 11.45% APRSep 18, 2026: 11.70% APRSep 14, 2026Oct 13, 2026
  • Sep 18, 202611.70%▲ from 11.45%
  • Sep 14, 202611.45%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.36%
Credit Card - 13.70%
Details Published APR range: 13.70% to 18.00%. APR for Purchases: 13.70% to 18.00%; APR for Balance Transfers: 13.70% to 18.00%; APR for Cash Advances: 13.70% to 18.00%; Variable APR based on Prime Rate index; Rates effective: October 6, 2026
Last Updated 10/12/2026
Rate History
1 change since Sep 14, 2026 · 13.45% → 13.70% ▲ 0.25 pts · high 13.70% / low 13.45%
12.95%13.58%14.20%Sep 14, 2026: 13.45% APRSep 18, 2026: 13.70% APRSep 14, 2026Oct 13, 2026
  • Sep 18, 202613.70%▲ from 13.45%
  • Sep 14, 202613.45%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.36%

Fremont Federal Credit Union Personal Loan Rates

Product APR Term View More
Unsecured Personal Loan 11.395% Up to 60 Months
Details As Low As; Based on a 730+ credit score; APR based on a $10,000.00 loan amount, 10.75% rate, and 72 monthly payments; Rates effective October 6, 2026
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 11.40% APR · checked 7 times
10.90%11.40%11.90%Sep 14, 2026: 11.40% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.36%

Fremont Federal Credit Union Other Rates

Product Rate Points APY/APR Term View More
Quick Cash Loan 9.50% - 17.087% 15 Month
Details Loan amount: $1,500.00; Processing Fee: $75
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 17.09% APR · checked 7 times
16.59%17.09%17.59%Sep 14, 2026: 17.09% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.36%
Quick Cash Loan 12.00% - 16.419% 20 Month
Details Loan amount: $2,000.00; Processing Fee: $75
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 16.42% APR · checked 7 times
15.92%16.42%16.92%Sep 14, 2026: 16.42% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.36%
Quick Cash Loan 14.00% - 16.91% 25 Month
Details Loan amount: $2,500.00; Processing Fee: $75
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 16.91% APR · checked 7 times
16.41%16.91%17.41%Sep 14, 2026: 16.91% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.36%
Premier Checking - - 0.35%
Min Deposit $50
Details Open to those ages 50+; Interest paid on all funds; No service charge; Pays interest on all funds; Two free boxes of personalized standard Premier checks annually; Free notary service; One no-fee money order and an official check per month; Unlimited check writing and free online check copies
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 0.35% APY · checked 6 times
0.00%0.43%0.85%Sep 14, 2026: 0.35% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.36%
Special Occasion Accounts - - 0.15%
Min Deposit $0
Details Interest paid on all funds; Pays interest on all balances; No service charge
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 0.15% APY
0.00%0.33%0.65%Oct 12, 2026: 0.15% APYOct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.36%
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

Fremont Federal Credit Union’s Texas Ratio rose from 3.25% in Q3 2023 to 4.36% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

0% 1.0★ 1.5% 2.0★ 2.9% 3.0★ 4.4% 4.0★ 5.9% 5.0★ Healthy zone – entire history below the 15% limit 3.25% A+ Q3 2023 A+ Q4 2023 A+ Q1 2024 A+ Q2 2024 A+ Q3 2024 A+ Q4 2024 A+ Q1 2025 A+ Q2 2025 A+ Q3 2025 A+ Q4 2025 A+ Q1 2026 4.36% A+ Q2 2026
Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
Powered by MonitorBankRates

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
QuarterTotal assetsTexas RatioStar RatingHealth Grade
June 30, 2026$391M4.36%5.0A+
March 31, 2026$386M2.44%5.0A+
December 31, 2025$378M3.80%5.0A+
September 30, 2025$361M3.46%5.0A+
June 30, 2025$357M2.83%5.0A+
March 31, 2025$353M3.07%5.0A+
December 31, 2024$344M4.02%5.0A+
September 30, 2024$346M4.27%5.0A+
June 30, 2024$338M3.83%5.0A+
March 31, 2024$339M2.93%5.0A+
December 31, 2023$335M3.35%5.0A+
September 30, 2023$334M3.25%5.0A+
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 Fremont Federal 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 Fremont Federal 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 Fremont Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Fremont Federal Credit Union
Website https://www.fremontfcu.com
Address 315 Croghan St, Fremont, OH 43420-3013
Phone 419-334-4434
Fax
President Richard Egbert
CEO Nicholas Cray
Full-Time Employees 84
Part-Time Employees 9
Branch Locations 8
ATM Locations 11
NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
4.36%
Return on Assets (ROA)
0.4884%
Return on Equity (ROE)
3.8556%
Non-Performing Loans Ratio (NPL)
0.86%
Total Assets
391,386,429
Total Amount of Shares and Deposits
334,807,781
Total Shares and Deposits < 1 Year
293,525,976
Total Shares and Deposits 1 3 Years
33,644,576
Total Shares and Deposits > 3 Years
7,637,229
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
24,866,941
Total Uninsured Shares and Deposits > $250K (F+J)
28,121,678
Total Insured Shares and Deposits > $250K (item 17 less item K)
306,686,103
Total Interest Expense (Sum of items 6 8)
3,045,831
Share Certificates
2,674
Number of Accounts for Share Drafts
12,932
IRA KEOGH Accounts
1,009
Number of Accounts for Regular Shares
27,317
All other shares
904
Non Member Deposits
2
Money Market Shares
1,261
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)
17,074,438
Total Liabilities
341,928,270
Source: NCUA — Last Updated 06/30/2026
MonitorBankRates Verified Healthy Badge Q2 2026
Q2 2026 MBR Health & Safety Badge

Fremont Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 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; when a new quarter is published, come back to this page for the updated code.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>
Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Frequently Asked Questions About Fremont Federal Credit Union

How many branches does Fremont Federal Credit Union operate?

Fremont Federal 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 Fremont Federal Credit Union?

Yes, to access services at Fremont Federal 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, Fremont Federal 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, Fremont Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Fremont Federal Credit Union offer online and mobile banking?

Most modern institutions like Fremont Federal 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.fremontfcu.com.

Current Fremont Federal Credit Union Rates

  • 12-Month CD4.50%
  • 18-Month CD4.55%
  • 24-Month CD4.60%
  • 60-Month CD4.90%
  • Savings3.04%
Retrieved from our database of financial products. Rates subject to change.

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