Interest & Loan Rates

We now offer IRA CD’s with the same rates as regular CD's!

Freedom 1st Credit Union will match competitor loan rates, up to 2%, on all consumer secured loans! By matching a promotional rate offered by a dealership, we can save you money as your credit union does not charge loan processing fees nor do we charge pre-payment penalties.

IRA & Regular Certificates of Deposit

Rates effective as of April 1, 2018

Account Type APR APY*
6 Month Term Share Account 1.65% 1.66%
12 Month Term Share Account 1.95% 1.97%
18 Month Term Share Account 2.15% 2.17%
24 Month Term Share Account 2.25% 2.27%
36 Month Term Share Account 2.30% 2.32%

Checking Rates

Rates effective as of March 13, 2018

Account Type APR APY*
Money Plus (min $1,000) 0.15% 0.15%
Money Plus (min $10,000) 0.25% 0.25%

Savings Rates

Rates effective as of March 13, 2018

Account Type APR APY*
Regular Shares 0.10% 0.10%
Christmas Club 0.10% 0.10%
IRA Share Account 0.25% 0.25%

APR: Annual percentage rate
APY: Annuall percentage yield

Autos, Boats, Motorcycles, etc.

Rates effective as of April 1, 2018

Loan Type/Term APR
New or Used 24 Months as low as 2.99%
New or Used 36 Months as low as 2.99%
New or Used 48 Months as low as 2.99%
New or Used 60 Months as low as 2.99%
New or Used 72 Months as low as 2.99%

RVs/Campers

Rates effective as of March 13, 2018

Loan Type/Term APR
New or Used 84 Months as low as 4.00%
New or Used 120 Months as low as 4.50%
New or Used 180 Months as low as 4.75%

Home Equity Loans

Rates effective as of March 13, 2018

Loan Type APR
70% Loan to Value as low as 2.75%

Second Mortgage Fixed Rate

Rates effective as of March 13, 2018

Loan Type APR
Second Mortgage as low as 5.25%

APR: Annual percentage rate

Christmas Club Account Fee
Early Withdrawal Fee $10 per withdrawal
Regular Share Account Fees Fee
Minimum Balance Fee $1/month, if minimum daily balance is not met
Kid's Club Account Fees Fee
Minimum Balance Fee $1/month, if minimum daily balance is not met
Checking Account Fees Fee
Overdraft Protection Fee $30 per item
NSF Fee $30 per item
Returned Item Fee $30 per item
Stop Payment Fee $30 per request
Other Service Fees Fee
Loan Processing Fee $50
Items Sent for Collection $30 per item
Check Cashing Fee $2 per item (if balance is less than $50, or no share draft account)
Wire Transfer Fee (incoming) $10/transfer
Cashier's Check $5/check
Money Order $1/money order
Account Reconciliation $20/hr, $20 minimum
Account Research $20/hr, $20 minimum
Statement Copy Fee $2/month or partial month
Account Activity Printout $2/month
Deposited Item Return Fee $15/item
Deposited Item Return Fee (drawn on member) $30
Legal Process Fee $30/item
Dormant Account Fee $5/quarter (charged after 2 years and account balance is less than $300)
Telephone Transfer $2/transfer (not audio response or ATM)
Account Closure Fee $5/account (if closed within 6 months of opening)
Automatic Transfer Fee $1/transfer
Fax (outgoing) $1/page
IRA Closed within 6 Months of Opening $50
IRA Withdrawal (Excluding RMD) $20.00 / withdrawal
ESCHEAT Fee $50.00 / account
EFT Fees Fee
ATM Transaction Fee $1/transaction at ATMs not owned by the credit union (after 4 uses)
Card Replacement Fee $10 per card
PIN Reissue Fee $2 per PIN
ACH Overdraft Fee $30 per item
Debit Card Overdraft Fee $30 per item
Share Value Fees
Par value of one share $5

The rates appearing in this schedule are accurate as of June 1st, 2016. If you have any questions of require the current rate and fee information on your accounts, please call the Credit Union at 800.334.9175.