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 1%, on all consumer secured loans! By matching a promotional rate offered by a dealership, we can save you money as Freedom 1st Credit Union does not charge loan processing fees nor do we charge pre-payment penalties.
Interest Rates
Checking Rates
Rates effective as of July 1, 2020
| Account Type | APR | APY |
|---|---|---|
| Money Plus (min $1,000) | 0.20% | 0.20% |
| Money Plus (min $10,000) | 0.35% | 0.35% |
Savings Rates
Rates effective as of July 1, 2020
| Account Type | APR | APY |
|---|---|---|
| Regular Shares | 0.05% | 0.05% |
| Christmas Club
Withdrawals other than the annual transfer to savings subject to early withdrawal penalty fee. |
0.05% | 0.05% |
| IRA Share Account | 0.25% | 0.25% |
Certificates of Deposit
Rates effective as of August 14, 2020
| Account Type | APR | APY |
|---|---|---|
| 6 Month Term Share Account | 0.15% | 0.15% |
| 12 Month Term Share Account | 0.20% | 0.20% |
| 18 Month Term Share Account | 0.25% | 0.25% |
| 24 Month Term Share Account | 0.30% | 0.30% |
| 36 Month Term Share Account | 0.35% | 0.35% |
APR: Annual percentage rate
APY: Annuall percentage yield
Loan Rates
Consumer Loans
Rates effective as of July 1, 2020
| Loan Type | APR |
|---|---|
| Signature Loans | as low as 8.75% |
| Secured Loans | as low as 2.79% |
| Shared Secured Loans
APR is above earned rate |
3.50% |
Home Equity Loans
Rates effective as of December 11, 2019
| Loan Type | APR |
|---|---|
| 80% Loan to Value | as low as 4.25% |
Autos, Boats, Motorcycles, etc.
Rates effective as of April 3, 2020
| Loan Type/Term | APR |
|---|---|
| New or Used 24 Months | as low as 2.79% |
| New or Used 36 Months | as low as 2.79% |
| New or Used 48 Months | as low as 2.79% |
| New or Used 60 Months | as low as 2.79% |
| New or Used 72 Months | as low as 2.79% |
RVs/Campers
Rates effective as of July 2, 2020
| Loan Type/Term | APR |
|---|---|
| New or Used 72 Months | As low as 2.79% |
| 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% |
APR: Annual percentage rate
If you have any questions of require the current rate and fee information on your accounts, please call the Freedom 1st Credit Union at 800-334-9175.