• 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%

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.

Rates effective June 26, 2018; all rates are subject to change.  External Savings Rate Effective 6-26-18

Federally insured by NCUA

Savings

Savings Rates

Account TypeAnnual Percentage YieldDividend Rate
Share Savings*.15%.15%
EasySaver*1.45%.45%
Secondary Savings* .15%.15%
Youth Share Savings2.15%.15%
First Home Registry2,3 .30%.15%

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

1 Freedom will round up the amount of any debit card purchases in your checking account to the next whole dollar amount, and transfer the amount in excess of the purchase amount from your checking account to your EasySaver Share Account. Credit transactions or adjustment transactions will not be rounded up. Deposits other than the daily EasySaver transfer are not permitted on this account. ATM/Debit Card transactions and ACH deposits and withdrawals are not permitted on this account. Funds in this account cannot be used as overdraft protection for any other share account. You have full access to the funds in your EasySaver account at any time.

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

3 For members with the youth account type Choices only

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

Money Market/Money Market IRA4

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+4 .30% .30%

4 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 Certificates5,6,7,12

TermAnnual Percentage YieldDividend Rate
6-Month .80% .80%
12-Month 1.15% 1.15%
52-weeks SPECIAL1.65%1.64%
18-Month 1.05% 1.05%
24-Month 1.55% 1.54%
25-Month SPECIAL 5,6,7,8,92.25%2.23%
36-Month Bump-Up1.60% 1.59%
36-Month 1.70% 1.69%
48-Month Bump-Up 1.70% 1.69%
48-Month 1.80% 1.79%
55-Month SPECIAL 5,6,7,8,9 2.85% 2.82%
60-Month2.20%2.18%

5 $300 minimum opening deposit for all regular share and IRA accounts; $5 minimum deposit for youth club members under 18 years of age

6 Fees could reduce earnings on the account

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

8 $300 minimum opening deposit for all special certificates

9 Upon maturity, Special 25-month Certificate renews to 24 month Regular Share and IRA Certificate. Upon maturity, Special 55-month Certificate renews to 48 month Regular Share and IRA Certificate.

12 Additional Disclosures for Bump-Up Share Certificates: Members have the option, once during the term of a Bump-Up Share or IRA Certificate, to elect to receive the higher rate being offered on Bump-Up Share or IRA Certificates. Members may only exercise this option once during the term of the Bump-Up Share / IRA Certificate. The election to exchange to the higher rate must be made in writing. No additional changes will be permitted. The new rate will be effective from the date the Credit Union (Freedom) we receive notification of the election and will continue for the remainder of the Bump-Up Share Certificate term. If you never elect the exchange option, the original rate will continue.

Jumbo Share and IRA Certificates6,7,10,11

TermAnnual Percentage YieldDividend Rate
13-weeks 0.20% 0.20%
26-weeks 0.30% 0.30%
39-weeks 0.30% 0.30%

6 Fees could reduce earnings on the account

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

10 $50,000 minimum opening deposit

11 Consult a qualified tax advisor for potential tax savings

Rates effective June 26, 2018; all rates are subject to change. External Savings Rate Effective 6-26-18

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 2.89%
49 to 63 months special, as low as2,3 3.29%
64 to 75 months special, as low as2,3 3.89%
76 to 84 months, as low as2,3 4.79%
(Loan must be $20,000 or greater to qualify)

Used Car Up to 48 month special, as low as2,3 2.99%
49 to 63 months special, as low as2,3 3.54%
64 to 75 months special, as low as 2,3 3.99%
76 to 84 months, as low as2,3 4.94%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 5.99 %

Used MotorcycleUp to 48 month special, as low as2,3 4.99%
49 to 60 months, as low as2,3 5.24%
61 to 72 months special, as low as 2,3 5.49%
73 to 84 months special, as low as 2,3 6.24%

New BoatUp to 72 months, as low as2,3 6.04%
73 to 84 months, as low as2,3 5.84%
85 to 120 months, as low as2,3 5.74%
121 to 180 months, as low as2,3 5.44%

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%

New Jet SkisUp to 60 Months, as low as2,3 6.99%
61 to 72 months, as low as2,3 7.24%
73 to 84 months, as low as2,3 7.49%

Used Jet SkisUp to 60 Months, as low as2,3 6.99%
61 to 72 months, as low as2,3 7.49%
73 to 84 months, as low as2,3 7.74%

Recreational Vehicle New and used, as low as2,3 4.74%

 

Personal Loans and Lines of Credit

Loan Type Annual Percentage Rate1
LifeStyle Loan, HomeStyle Loan, Anything Loan (Terms to 60 months) 5.49%3
Debt Consolidation Loan76.99%3
Variable-Rate Line of Credit9.74%3,5
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 9.49% (Based on prime3,5)
Visa Platinum RewardsAs low as 10.99% (Based on prime3,5)
Visa Platinum Share Secured5.74%5

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).Rate quoted based on 36 month term, $2,500 up to $25,000
4 Rates and terms may be different as determined by collateral and individual credit worthiness.
5 Based on Prime Rate. Prime rate is 5.00% as of 6-13-2018 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.

Rates effective June 15, 2018; all rates are subject to change. See full schedule of rates Loan Rate Sheet 6-15-18

Home Loans

Home Equity Loan Rates

Loan TypeAnnual Percentage Rate
Variable-rate Home Equity Line of Credit1
(No closing costs)2
As low as Prime*
Fixed-rate Home Equity Loan 1
(No closing costs)2
As low as 4.24%3

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 Freedom will pay the closing costs up to a maximum of $1,000
3 0.25% discount with e-Statements and automated payments on select loan types.

Promotional incentives and discounts may NOT be combined.
*Prime rate is 5.00% as of June 13, 2018

Equal Housing Lender