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.