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Rates

Home Equity Loan Rates

TermAPR1Monthly Payment per $10,000 Borrowed
1 - 60 mos. as low as 3.24% $181.80
61 - 120 mos. as low as 4.24% $102.28
121 - 180 mos. as low as 4.49% $76.35

Home Equity Line of Credit

3.99% Variable APR Home Equity Line Amounts2Monthly Payment Examples
$10,000 $102
$20,000 $203
$30,000 $222

Auto Loans

TypeTermAPRMinimumMaximum
New 1 - 66 mos. as low as 2.49%3 $3,000 $75,000
Used, Refinance 1 - 66 mos. as low as 2.99%3 $3,000 $75,000
New 67 - 75 mos. as low as 2.99%3 $15,000 $75,000
Used, Refinance 67 - 75 mos. as low as 3.99%3 $15,000 $75,000
New 76 - 84 mos. 3.99%4 $20,000 $75,000

Credit Card Rates

ProductAPR
Visa Cash Back or Gold Card Fixed & as low as 8.9%6
Student Visa Card with payWave 11.90%
Share Secured Visa 15.90%

Personal Loan Rates

Loan TypeAPR7
Share Secured Loan 7.00%
Personal/Signature Loan Fixed & as low as 5.99%8
Term Share Certificate Secured Loan 7.00%9
Overdraft/Line of Credit Fixed & as low as 10.90%10

Checking & Savings Rates

Account1Dividend RateAnnual Percentage Yield (APY)Min. Deposit to Open
Checking .10% .10% $0
Primary Savings .20% .20% $5
Club Savings .20% .20% $0
IRA Savings .20% .20% $0
Education Savings .20% .20% $0
Health Savings .10% .10% $0
Money Market

Tier 1: $0 to $9,999.99
Tier 2: $10,000.00 and up

.20%
.30%
.20%
.30%
$0
$10,000

CDs & IRA Rates

TermAnnual Dividend Rate12Annual Percentage Yield (APY)13
6 mos. .65 .65
12 mos. .70 .70
18 mos. .80 .80
24 mos. 1.14 1.15
30 mos.14
new money only
1.70 1.71
36 mos. 1.54 1.55
48 mos. 1.83 1.85
60 mos. 2.23 2.25

Rates may change after accounts are opened.

Fees may reduce earnings.

1. Annual Percentage Rate (APR) applies to Loan-to-Value (LTV) less than or equal to 80%. APR will not be less than 3.24% or greater than 6.49%. The interest rate you receive will be based on your credit history. Hazard Insurance is required. For loans over $100,000, Title Insurance is required. Loan subject to final approval. Terms and rates subject to change without notice and apply to loans in the 2nd lien position.

2. Annual Percentage Rate (APR) applies to Loan-to-Value (LTV) less than or equal to 80%. Home Equity Line of Credit is subject to a Variable Rate which is based on the highest Prime Rate as published in the Wall Street Journal and will be the rate 10 days prior to the first day of each calendar quarter of each year. Rate will never be less than 3.99% nor greater than 18%. The interest rate you receive will be based on your credit history. APR as low as Prime Rate - 0.01% Margin. Rates accurate since 8/1/16. Hazard Insurance is required. For loans over $100,000, Title Insurance is required. Line of Credit subject to final approval. Terms and rates subject to change without notice.

3. APR=Annual Percentage Rate. Rates accurate since 8/25/16. The interest rate you receive will be based on your credit history. APR will not be less than 2.49% for new cars or 2.99% for used cars, or greater than 11.99%. Satisfactory vehicle insurance required. Freedom Loans and Lines of Credit can't be refinanced and other conditions may apply. Terms and rates are subject to change without notice.

4. APR=Annual Percentage Rate. Rates accurate since 8/25/16. The interest rate you receive will be based on your credit history. Satisfactory vehicle insurance required. Freedom Loans and Lines of Credit can't be refinanced and other conditions may apply. Terms and rates are subject to change without notice.

5. APR=Annual Percentage Rate. Rates accurate as of 8/1/16. The maximum total unsecured debt per Member is $30,000. Terms and rates are subject to change without notice. For Credit Cards, an eligible co-borrower will be required unless the Cardholder has independent means of repaying any credit extended.

6. The interest rate you receive will be based on your credit history. APR will not be less than 8.9% or greater than 15.9%. It will remain fixed for at least 12 months from Card opening.

7. APR=Annual Percentage Rate. Rates accurate since 8/1/16. The maximum total unsecured debt per Member is $30,000. Terms and rates are subject to change without notice. For Credit Cards, an eligible co-borrower will be required unless the Cardholder has independent means of repaying any credit extended.

8. The interest rate you receive will be based on your credit history. APR will not be less than 5.99% or greater than 14.99%. Rates accurate as of 8/1/16. Loan minimum is $500. If you are refinancing a Freedom Loan or Line of Credit, a minimum of $500 in new borrowing is required.

9. The greater of 7% APR or 2% above the Term Share Certificate rate.

10. The interest rate you receive will be based on your credit history. APR will not be less than 10.9% or greater than 17.9%.

11. Dividends on IRA, Savings, Club, and Checking Accounts are computed monthly on average daily balances of $5 or more and posted monthly. The Money Market Account has a variable rate which will be greater than our regular savings rate, and subject to daily adjustments. Dividends will be paid monthly on the average daily balance, based upon the current tier level rates. Fees may reduce earnings. Regulations prohibit payment in excess of available earnings. Rates accurate since 8/1/16. Rates subject to change without notice and may change after account is opened. View our Rate and Fee Schedule.

12. Regulations prohibit payment in excess of available earnings. Penalty required for early withdrawal. Rates accurate since 8/1/16. Terms and rates are subject to change without notice. Fees may reduce earnings. View our Rate and Fee Schedule.

13. APY=Annual Percentage Yield. A minimum deposit of $500 of ($250 for Youth CD - 25 or younger) is required to open a CD. Rates accurate since 8/1/16. Dividends are computed monthly on average daily balances of $5 or more and posted monthly. Rate may change after Account is opened. Fees may reduce earnings. Terms and rates are subject to change without notice. View our Rate and Fee Schedule.

14. Limited time offer, 30-month CD and IRA CD with a 1.71% APY. A minimum deposit of $500 of new money to the credit union ($250 for Youth CD - 25 or younger) is required to open the account and earn the promotional APY. After the promotional term, the CD will auto-renew for a 30-month term at the applicable rate. Primary Savings Account required for Membership with a $5 minimum balance. For Members under age 12, a Joint Savings Account Owner 18 or older is required. Regulations prohibit payment in excess of available earnings. Penalty will be applied for early withdrawal. Fees may reduce earnings. Promotion cannot be combined with other offers. Offer is subject to change without notice and may be rescinded at any time. For additional rates and terms visit FreedomCU.org.