• Checking
  • Savings
  • Loans
  • Home Loans

Checking

Checking Rates

Account TypeAnnual Percentage YieldDividend Rate
High Rate Checking1
  Monthly balance of $0.01 - $25,000.991.25%1.25%
Monthly balance $25,001.00 and over .25% .25%
(Account balance that does not meet earnings criteria) .05% .05%
Classic Checking--
Youth Checking2.20%.20%
Rewards Checking3.15%.15%

1 To qualify, member must enroll in e-Statements and complete a minimum of 15 Point-Of-Sale (POS) transactions per month using a Freedom MasterCard Debit Card (Both Signature or PIN based transactions are applicable) to earn high rate (ATM transactions do not qualify). For monthly dividend computing, monthly transaction counts will be totaled three (3) days prior to the end of the specific calendar month. Any transactions completed on the last three (3) days of the month, will count towards the following month’s debit card transaction requirements. Maximum balance that can earn the high rate is $25,000. No penalty fees will be assessed. Dividends are calculated on an average daily balance method, and the dividend rate may fluctuate based on the balance in the account.

2 Minimum daily balance of $100

3 Freedom no longer offers new Rewards Checking Accounts. Existing Rewards Checking Accounts incur a $10 monthly service charge when BOTH average monthly minimum balance falls below $1,000, AND six (6) transactions are not conducted in this account per calendar month.


Federally insured by NCUA

Savings

Savings Rates

Account TypeAnnual Percentage YieldDividend Rate
Share Savings*.15%.15%
Secondary Savings* .15%.15%
Youth Share Savings1.15%.15%
First Home Registry2 .30%.15%

*Minimum $100 daily balance to earn dividends. Secondary savings includes Christmas Club accounts

1 Minimum $5 daily balance to earn dividends, Includes youth account types of Stork, Kirby Kangaroo, CU Succeed and Choices

2 For members with the youth account type Choices only

Account Type Annual Percentage YieldDividend Rate
Individual Retirement Account .15%.15%

Money Market/Money Market IRA3

AmountAnnual Percentage Yield Dividend Rate
$2,500–$9,999.99 .20% .20%
$10,000–$24,999.99 .20% .20%
$25,000–$49,999.99 .25% .25%
$50,000–$74,999.99.25% .25%
$75,000–$99,999.99.25% .25%
$100,000+3 .30% .30%

3 Minimum opening balance of $2,500 for all Money Market/Money Market IRAs. A $10 monthly service. Charge will be assessed when the average monthly minimum balance falls below $2,500

Regular Share, Youth and IRA Certificates*4,5,6,12

TermAnnual Percentage YieldDividend Rate
6-Month .37% .37%
12-Month .60% .60%
18-Month .55% .55%
24-Month .80% .80%
36-Month Bump-Up .70% .70%
36-Month 1.00% 1.00%
48-Month Bump-Up 1.00% 1.00%
48-Month 1.25% 1.24%
55-Month Special 5,6,7,8 1.80% 1.79%
60-Month1.40%1.39%

4 $300 minimum opening deposit for all regular share and IRA accounts; $100 minimum deposit for youth club members under 18 years of age

5 Fees could reduce earnings on the account

6 A penalty will be imposed for early withdrawal that could reduce earnings

7 $1,000 minimum opening deposit for all special certificates

8 Upon Maturity Special 55-month renews to 48 month Regular Share and IRA Certificate

Jumbo Share and IRA Certificates5,6, 9,11,12

TermAnnual Percentage YieldDividend Rate
13-weeks .20% 0.20%
26-weeks .30% 0.30%
39-weeks .30% 0.30%
52-weeks 11.75% .75%

5 Fees could reduce earnings on the account

6 A penalty will be imposed for early withdrawal that could reduce earnings

9 $50,000 minimum opening deposit

11 $25,000 minimum opening deposit

12 Consult a qualified tax advisor for potential tax savings

Rates effective April 18, 2017; all rates are subject to change. See full checking and savings rate schedule.

Federally insured by NCUA

Loans

Vehicle Loans

Vehicle Loans Annual Percentage Rate1 WITH e-Statements and Automated Payments3
New Car Up to 48 month special, as low as2,3 1.74 %
49 to 63 months special, as low as2,3 2.34 %
64 to 75 months special, as low as2,3 2.94 %
76 to 84 months, as low as2,3 4.34 %
(Loan must be $20,000 or greater to qualify)

Used Car Up to 48 month special, as low as2,3 2.24 %
49 to 63 months special, as low as2,3 2.59 %
64 to 75 months special, as low as 2,3 3.14 %
76 to 84 months, as low as2,3 4.59 %6

New MotorcycleUp to 48 month special, as low as2,3 4.49 %
49 to 60 months, as low as2,3 4.74 %
61 to 72 months special, as low as 2,3 4.99 %
73 to 84 months special, as low as 2,3 5.74 %

Used MotorcycleUp to 48 month special, as low as2,3 4.74 %
49 to 60 months, as low as2,3 4.99 %
61 to 72 months special, as low as 2,3 5.24 %
73 to 84 months special, as low as 2,3 5.99 %

New BoatUp to 72 months, as low as2,3 5.99 %
73 to 84 months, as low as2,3 5.74 %
85 to 120 months, as low as2,3 5.49 %
121 to 180 months, as low as2,3 5.24 %
Used BoatUp to 72 months, as low as2,3 6.49 %
73 to 84 months, as low as2,3 6.24 %
85 to 120 months, as low as2,3 5.99 %
121 to 180 months, as low as2,3 5.74 %

Jet SkisUp to 60 Months, as low as2,3 6.49 %
61 to 72 months, as low as2,3 6.99 %
73 to 84 months, as low as2,3 7.24 %

Recreational Vehicle New and used, as low as2,3 4.24 %

Personal Loans and Lines of Credit

Loan Type Annual Percentage Rate1
Personal Loan (Term to 60 mos.) 6.74 %
Debt Consolidation8.74 %
Variable Rate Line of Credit 8.49 %5
Share Secured Loan Share rate + 3.00 %
IRA Contribution Loan IRA Share Rate + 3.00 %

Credit Cards

Card TypeAnnual Percentage Rate1
Visa Platinum As low as 8.24 % (Based on prime5)
Visa Platinum Rewards As low as 9.74 % (Based on prime5)
Visa Platinum Share Secured 4.49 % (Based on prime5)

Disclosures, Terms, and Conditions

1 Some restrictions may apply.
2 Rates available on approved credit. Not all applicants will qualify for the lowest rate.
3 0.25% discount with e-Statements and automated payments on select loan types.(Rate discount is only available on collateral loans listed with the posted rates)
4 Rates and terms may be different as determined by collateral and individual credit worthiness
5 Based on Prime Rate. Prime is currently 4% as of March 16, 2017. This is a variable rate product.
6 Used auto loans with a term of 76 to 84 months must be for $20,000 or more to qualify for the rate listed.

Home Loans

Home Equity Loan Rates

Loan TypeAnnual Percentage Rate
Variable-rate Home Equity Line of Credit1
(No closing costs)2,3
As low as prime*
Fixed-rate Home Equity Loan 1
(No closing costs)3
As low as 3.99 %

Mortgage Loan Rates

Contact our Mortgage Department for current rates

Disclosures, Terms, and Conditions

1 Rates are subject to change without notice, and may vary according to credit history. Rates and terms may be different as determined by collateral and individual credit worthiness.
2 No closing costs with minimum advance and line of $10,000
3 Freedom will pay the closing costs up to a maximum of $1,000

Promotional incentives and discounts may NOT be combined.
*Prime rate is 4% as of March 16, 2017

Equal Housing Lender