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Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
FreeStar Financial Credit Union Rates & Review April 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: April 18, 2026
FreeStar Financial Credit Union's 18-Month Special! CD Military rates are at 5.00%, iSave Youth (1 Year) CD Military rates are at 4.50%, One Year CD Military rates are at 4.50%, Save to Win (1 year) CD Military rates are at 4.50%, Five Year CD Military rates are at 4.25%. 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 04/18/2026.
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.
Overall Health & Safety Grade
?
A
Excellent HealthScore: 96/100
Overall Health & Safety Grade
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
?
8.54%
ExcellentHigher than avg
FreeStar Financial Credit Union Texas Ratio
FreeStar Financial Credit Union's Texas Ratio is 8.54%, 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.
DetailsQualified Military Members receive a 1% rate increase on all CDs, excluding iSave. Eligible members include Active Duty, Veterans, and Retirees. To qualify, military members must establish a full direct deposit in their name into their checking account. Any direct deposits less than $1,100 will not be eligible for the rate increase. Offer is subject to qualification and can change without notice. Military Status Verification: Verification of military status is required. Acceptable proof includes Military ID, Retirement ID, or DD214 (Certificate of Release or Discharge from Active Duty). Terms and conditions apply.; At maturity, the CD will be renewed into a 24-month CD.
Last Updated04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.54%
iSave Youth (1 Year) Certificate Military
4.41%
4.50%
1 Year
Min Balance$25
DetailsQualified Military Members receive a 1% rate increase on all CDs, excluding iSave. Eligible members include Active Duty, Veterans, and Retirees. To qualify, military members must establish a full direct deposit in their name into their checking account. Any direct deposits less than $1,100 will not be eligible for the rate increase. Offer is subject to qualification and can change without notice. Military Status Verification: Verification of military status is required. Acceptable proof includes Military ID, Retirement ID, or DD214 (Certificate of Release or Discharge from Active Duty). Terms and conditions apply.
Last Updated04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.54%
One Year Certificate Military
4.41%
4.50%
One Year
Min Balance$500
DetailsQualified Military Members receive a 1% rate increase on all CDs, excluding iSave. Eligible members include Active Duty, Veterans, and Retirees. To qualify, military members must establish a full direct deposit in their name into their checking account. Any direct deposits less than $1,100 will not be eligible for the rate increase. Offer is subject to qualification and can change without notice. Military Status Verification: Verification of military status is required. Acceptable proof includes Military ID, Retirement ID, or DD214 (Certificate of Release or Discharge from Active Duty). Terms and conditions apply.
Last Updated04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.54%
Save to Win (1 year) Certificate Military
4.41%
4.50%
1 year
Min Balance$25
DetailsQualified Military Members receive a 1% rate increase on all CDs, excluding iSave. Eligible members include Active Duty, Veterans, and Retirees. To qualify, military members must establish a full direct deposit in their name into their checking account. Any direct deposits less than $1,100 will not be eligible for the rate increase. Offer is subject to qualification and can change without notice. Military Status Verification: Verification of military status is required. Acceptable proof includes Military ID, Retirement ID, or DD214 (Certificate of Release or Discharge from Active Duty). Terms and conditions apply.
Last Updated04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.54%
Five Year Certificate Military
4.17%
4.25%
Five Year
Min Balance$500
DetailsQualified Military Members receive a 1% rate increase on all CDs, excluding iSave. Eligible members include Active Duty, Veterans, and Retirees. To qualify, military members must establish a full direct deposit in their name into their checking account. Any direct deposits less than $1,100 will not be eligible for the rate increase. Offer is subject to qualification and can change without notice. Military Status Verification: Verification of military status is required. Acceptable proof includes Military ID, Retirement ID, or DD214 (Certificate of Release or Discharge from Active Duty). Terms and conditions apply.
Last Updated04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.54%
Four Year Certificate Military
4.17%
4.25%
Four Year
Min Balance$500
DetailsQualified Military Members receive a 1% rate increase on all CDs, excluding iSave. Eligible members include Active Duty, Veterans, and Retirees. To qualify, military members must establish a full direct deposit in their name into their checking account. Any direct deposits less than $1,100 will not be eligible for the rate increase. Offer is subject to qualification and can change without notice. Military Status Verification: Verification of military status is required. Acceptable proof includes Military ID, Retirement ID, or DD214 (Certificate of Release or Discharge from Active Duty). Terms and conditions apply.
Last Updated04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.54%
Three Year Certificate Military
4.17%
4.25%
Three Year
Min Balance$500
DetailsQualified Military Members receive a 1% rate increase on all CDs, excluding iSave. Eligible members include Active Duty, Veterans, and Retirees. To qualify, military members must establish a full direct deposit in their name into their checking account. Any direct deposits less than $1,100 will not be eligible for the rate increase. Offer is subject to qualification and can change without notice. Military Status Verification: Verification of military status is required. Acceptable proof includes Military ID, Retirement ID, or DD214 (Certificate of Release or Discharge from Active Duty). Terms and conditions apply.
Last Updated04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.54%
Two Year Certificate Military
4.17%
4.25%
Two Year
Min Balance$500
DetailsQualified Military Members receive a 1% rate increase on all CDs, excluding iSave. Eligible members include Active Duty, Veterans, and Retirees. To qualify, military members must establish a full direct deposit in their name into their checking account. Any direct deposits less than $1,100 will not be eligible for the rate increase. Offer is subject to qualification and can change without notice. Military Status Verification: Verification of military status is required. Acceptable proof includes Military ID, Retirement ID, or DD214 (Certificate of Release or Discharge from Active Duty). Terms and conditions apply.
Last Updated04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.54%
18-Month Special! Certificate
3.93%
4.00%
18-Month
Min Balance$500
DetailsAt maturity, the CD will be renewed into a 24-month CD.
Last Updated04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.54%
18-Month Special! Certificates of Deposit
3.93%
4.00%
18-Month
Min Balance$500
DetailsAt maturity, the CD will be renewed into a 24-month CD.
Last Updated04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.54%
Six Month Certificate Military
3.93%
4.00%
Six Month
Min Balance$500
DetailsQualified Military Members receive a 1% rate increase on all CDs, excluding iSave. Eligible members include Active Duty, Veterans, and Retirees. To qualify, military members must establish a full direct deposit in their name into their checking account. Any direct deposits less than $1,100 will not be eligible for the rate increase. Offer is subject to qualification and can change without notice. Military Status Verification: Verification of military status is required. Acceptable proof includes Military ID, Retirement ID, or DD214 (Certificate of Release or Discharge from Active Duty). Terms and conditions apply.
Last Updated04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.54%
iSave Youth (1 Year) Certificate
3.45%
3.50%
1 Year
Min Balance$25
Last Updated04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.54%
iSave Youth (1 Year) Certificates of Deposit
3.45%
3.50%
1 Year
Min Balance$25
Last Updated04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.54%
One Year Certificate
3.45%
3.50%
One Year
Min Balance$500
Last Updated04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.54%
One Year Certificates of Deposit
3.45%
3.50%
One Year
Min Balance$500
Last Updated04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.54%
Save to Win (1 year) Certificate
3.45%
3.50%
1 year
Min Balance$25
Last Updated04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.54%
Save to Win (1 year) Certificates of Deposit
3.45%
3.50%
1 year
Min Balance$25
Last Updated04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.54%
Five Year Certificate
3.20%
3.25%
Five Year
Min Balance$500
Last Updated04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.54%
Five Year Certificates of Deposit
3.20%
3.25%
Five Year
Min Balance$500
Last Updated04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.54%
Four Year Certificate
3.20%
3.25%
Four Year
Min Balance$500
Last Updated04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.54%
Four Year Certificates of Deposit
3.20%
3.25%
Four Year
Min Balance$500
Last Updated04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.54%
Three Year Certificate
3.20%
3.25%
Three Year
Min Balance$500
Last Updated04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.54%
Three Year Certificates of Deposit
3.20%
3.25%
Three Year
Min Balance$500
Last Updated04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.54%
Two Year Certificate
3.20%
3.25%
Two Year
Min Balance$500
Last Updated04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.54%
Two Year Certificates of Deposit
3.20%
3.25%
Two Year
Min Balance$500
Last Updated04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.54%
Six Month Certificate
2.96%
3.00%
Six Month
Min Balance$500
Last Updated04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.54%
Six Month Certificates of Deposit
2.96%
3.00%
Six Month
Min Balance$500
Last Updated04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.54%
FreeStar Financial Credit Union Savings Rates
Product
Rate
APY
View More
Christmas Club
0.15%
0.15%
DetailsChristmas Club Dividend Rate only applies to balances over $100.
Last Updated04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.54%
Regular Share Savings
0.15%
0.15%
Min Balance$10
DetailsRegular Share Savings Dividend Rate only applies to balances over $100.
Last Updated04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.54%
Special Savings
0.15%
0.15%
Min Balance$0
DetailsSpecial Savings Dividend Rate only applies to balances over $100.
Last Updated04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.54%
Vacation Club
0.15%
0.15%
Min Balance$0
DetailsVacation Club Dividend Rate only applies to balances over $100.
Last Updated04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.54%
FreeStar Financial Credit Union Mortgage Rates
Product
Rate
Points
APR
Term
View More
10 Year Fixed
-
0
5.00%
DetailsAs Low As
Last Updated04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.54%
15 Year Fixed
-
0
5.13%
DetailsAs Low As
Last Updated04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.54%
7 Year Adjustable Rate Mortgage
-
-
5.25%
DetailsAs Low As; *APR = Annual Percentage Rate. Rate is "as low as" and may change based on credit history, collateral, term, and other determining factors.
Last Updated04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.54%
Vacant Land 10 Year Fixed Rate
-
-
5.25%
DetailsAs Low As
Last Updated04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.54%
20 Year Fixed
-
0
5.38%
DetailsAs Low As
Last Updated04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.54%
30 Year Fixed
-
0
5.50%
DetailsAs Low As
Last Updated04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.54%
Vacant Land 15 Year Fixed Rate
-
-
5.63%
DetailsAs Low As
Last Updated04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.54%
Vacant Land 20 Year Fixed Rate
-
-
6.00%
DetailsAs Low As
Last Updated04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.54%
Vacant Land 30 Year Fixed Rate
-
-
6.25%
DetailsAs Low As
Last Updated04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.54%
FreeStar Financial Credit Union Home Equity & HELOC
Product
Rate
Points
APR
Term
View More
Home Equity Line of Credit Adjusts every 5 years
-
-
6.25%
DetailsAs Low As; **APR = Annual Percentage Rate. Rate is "as low as" and may change based on credit history, loan to value, and other determining factors. The Home Equity Line of Credit (HELOC) is a variable rate loan. Variable rates are tied to market index (or prime rate). The maximum APR that can apply is 18%. HELOC rates will be fixed for the first 5 years and will adjust every 5 years thereafter. A $75 annual fee may apply and a termination fee of $250 may be applied if the loan is closed withing 36 months. Credit is subject to approval; not all applicants will qualify. Payment example: A HELOC with a balance of $100,000 would have an estimated payment of $885 per month at 6.75% rate over 180 months. All Credit Union loan programs, rates, terms and conditions are subject to change at any time without notice. Equal housing lender. NMLS ID 411386.
FreeStar Financial Credit Union Personal Loan Rates
Product
Rate
APR
View More
Marine (Non-personal watercraft) Fixed
-
5.74%
DetailsAs Low As; Rate is "as low as" and may change based on credit history, term and other determining factors. As low as rate includes discounts for Payment Protection coverage OR active checking with a minimum full payroll direct deposit of $1,100 per month.
Last Updated04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.54%
Marine (Non-personal watercraft) Fixed above (term ineligible for CL/CD)
-
6.24%
Details$25,000; As Low As; Rate is "as low as" and may change based on credit history, term and other determining factors. As low as rate includes discounts for Payment Protection coverage OR active checking with a minimum full payroll direct deposit of $1,100 per month.
Last Updated04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.54%
Marine (Non-personal watercraft) Fixed above (term ineligible for CL/CD)
-
6.49%
Details$25,000; As Low As; Rate is "as low as" and may change based on credit history, term and other determining factors. As low as rate includes discounts for Payment Protection coverage OR active checking with a minimum full payroll direct deposit of $1,100 per month.
Last Updated04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.54%
Marine (Non-personal watercraft) Fixed above (term ineligible for CL/CD)
-
6.74%
Details$75,000; As Low As; Rate is "as low as" and may change based on credit history, term and other determining factors. As low as rate includes discounts for Payment Protection coverage OR active checking with a minimum full payroll direct deposit of $1,100 per month.
Last Updated04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.54%
Personal Loan Unsecured
-
9.74%
Detailsup to $15,000; As Low As
Last Updated04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.54%
Personal Loan Unsecured
-
9.99%
Detailsup to $15,000; As Low As
Last Updated04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.54%
Personal Loan Unsecured
-
10.99%
Details$15,001 - $25,000; As Low As
Last Updated04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.54%
Personal Loan Unsecured
-
11.49%
Details$15,001 - $25,000; As Low As
Last Updated04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.54%
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 Employees72
Part-Time Employees0
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
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
Customer Reviews
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Average Rating
☆☆☆☆☆
Total Reviews
0
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Frequently Asked Questions About FreeStar Financial Credit Union
Is 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
12-Month CD3.50%
18-Month CD4.00%
Savings0.15%
Retrieved from our database of financial products. Rates subject to change.