Credit union · NCUA insured
FreeStar Financial Credit Union
A $351.3M credit union headquartered in Clinton Township, MI, with 22,081 members and 8 branches in Michigan. Best rates: savings 0.25% APY.
FreeStar Financial Credit Union Carrot Score
82
Carrot Score
Higher than 59% of U.S. banks and credit unions
#39 of 75 in Detroit, MI metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About FreeStar Financial Credit Union
Originally established in 1957 by military personnel as Selfridge Air Force Base Credit Union, FreeStar Financial Credit Union was granted a Michigan community charter in 1999 to serve Macomb County.
Today, the member-owned credit union has expanded its field of membership to serve all counties throughout Michigan.
- Headquarters
- 37570 S Gratiot Ave, Clinton Township, MI 48036
- NCUA charter
- 60406
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone who lives, works, worships, or attends school in the state of Michigan.
Military, government and schools
- Membership is open to military members throughout Michigan.
Branches
8 branches in Michigan
Loading map…
Michigan
8 branches
- Clinton TownshipMain office37570 S Gratiot Ave, Clinton Township, MI 48036Directions
- Richmond10636 Gratiot Ave, Casco, MI 48064Directions
- Chesterfield47011 Sugarbush Rd, Chesterfield, MI 48047Directions
- Eastpointe22544 Gratiot Ave, Eastpointe, MI 48021Directions
- Selfridge44200 N Jefferson Ave # 715, Selfridge ANGB, MI 48045Directions
- Shelby Township56350 Van Dyke Ave, Shelby Township, MI 48316Directions
- Saint Clair Shores22500 E 9 Mile Rd, St. Clair Shores, MI 48080Directions
- Sterling34642 Van Dyke Ave, Sterling Heights, MI 48312Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 9.63% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 1.17% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.46% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $69 | $76 | — |
- CapitalNet worth ratio9.63%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late1.17%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.46%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$69Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of FreeStar Financial Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.