Credit union · NCUA insured
FreeStar Financial Credit Union CD Rates
FreeStar Financial Credit Union’s best CD rate is 5.25% APY on an 18-month share certificate (CD), with extra requirements. Terms run from 6 months to 5 years. Rates checked October 17, 2026.
How FreeStar Financial Credit Union’s CD rates compare
Compared with banks and credit unions near Detroit, MI, where FreeStar Financial Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
FreeStar Financial Credit Union
5.25%APY
- Term
- 18 months
- Requires
- Another account
- Minimum
- $500
- Earns on $10,000
- $798
18-Month Special
2nd-highest rate
Diversified Members Credit Union
5.15%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $5,000
- Earns on $10,000
- $515
3rd-highest rate
Dort Financial Credit Union
5.00%APY
- Term
- 11 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $457
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
18-Month Special
Up to 5.25%APY · 1 term
18-Month Special: At maturity, the CD will be renewed into a 24-month CD. Special certificates will automatically renew on their maturity date. Members receive a 10-day grace period to withdraw or make changes before early withdrawal penalty applies. Penalties for early withdrawal: 1 Year: 90 days of interest; 2 Years: 180 days of interest. Limited time offer subject to end at any time.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 18 months | 4.25% | $644 |
| 18 monthsQualified Military Members receive a 1% rate increase on all CDs, excluding iSave. Eligible members include Active Duty, Veterans, and Retirees. To qualify, military members must establish a full direct deposit in their name into their checking account. Any direct deposits less than $2,000 will not be eligible for the rate increase. Military Status Verification: Verification of military status is required. Acceptable proof includes Military ID, Retirement ID, or DD214 (Certificate of Release or Discharge from Active Duty) | 5.25% | $798 |
Sources (2)
All captured Oct 16, 2026
Certificates of Deposit
Up to 5.00%APY · 6 terms
Renew automatically on maturity date for the same or like term at current rate. 10-day grace period to withdraw or make changes before early withdrawal penalty applies. Early withdrawal penalty: Less than 1 year or 1 Year: 90 days of interest; 2 Years: 180 days of interest; 3-5 Years: 270 days of interest; 5+ Years: 360 days of interest.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 4.00% | $198 |
| 6 monthsQualified Military Members (Active Duty, Veterans, Retirees) with military status verification (Military ID, Retirement ID, or DD214) and full direct deposit of at least $2,000 into checking account | 5.00% | $247 |
| 12 months | 3.50% | $350 |
| 12 monthsQualified Military Members (Active Duty, Veterans, Retirees) with military status verification (Military ID, Retirement ID, or DD214) and full direct deposit of at least $2,000 into checking account | 4.50% | $450 |
| 24 months | 3.75% | $764 |
| 24 monthsQualified Military Members (Active Duty, Veterans, Retirees) with military status verification (Military ID, Retirement ID, or DD214) and full direct deposit of at least $2,000 into checking account | 4.75% | $973 |
| 36 months | 3.25% | $1,007 |
| 36 monthsQualified Military Members (Active Duty, Veterans, Retirees) with military status verification (Military ID, Retirement ID, or DD214) and full direct deposit of at least $2,000 into checking account | 4.25% | $1,330 |
| 48 months | 3.25% | $1,365 |
| 48 monthsQualified Military Members (Active Duty, Veterans, Retirees) with military status verification (Military ID, Retirement ID, or DD214) and full direct deposit of at least $2,000 into checking account | 4.25% | $1,811 |
| 60 months | 3.25% | $1,734 |
| 60 monthsQualified Military Members (Active Duty, Veterans, Retirees) with military status verification (Military ID, Retirement ID, or DD214) and full direct deposit of at least $2,000 into checking account | 4.25% | $2,313 |
Sources (2)
All captured Oct 16, 2026
Save to Win
Up to 4.50%APY · 1 term
Must be 18 years or older and a legal resident of Michigan. All deposits must be made while in Michigan. No minimum deposit required after account opening. Maximum entries allowed per month is 10. One CD per member among any credit union that participates in Save to Win program. Monthly and quarterly cash prizes. Special certificates automatically renew on maturity date with a 10-day grace period before early withdrawal penalties apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 3.50% | $350 |
| 12 monthsQualified Military Members receive a 1% rate increase on all CDs, excluding iSave. Eligible members include Active Duty, Veterans, and Retirees. To qualify, military members must establish a full direct deposit in their name into their checking account. Any direct deposits less than $2,000 will not be eligible for the rate increase. Military Status Verification: Verification of military status is required. Acceptable proof includes Military ID, Retirement ID, or DD214 (Certificate of Release or Discharge from Active Duty) | 4.50% | $450 |
Sources (3)
- freestarfinancial.com/isave-cd
- freestarfinancial.com/save/invest/certificate-of-deposit
- freestarfinancial.com/Save-to-Win
All captured Oct 16, 2026
Special-purpose accounts
iSave Youth
3.50%APY · 1 term
For young savers (under 17 years old / aged 17 and under). No minimum deposit required after account opening. Earn a chance to win an annual prize every January (drawing entry for each $10 deposited). Excluded from Military APY increase. Special certificates automatically renew on maturity date with a 10-day grace period before early withdrawal penalties apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 3.50% | $350 |
Sources (2)
All captured Oct 16, 2026
Who can join FreeStar Financial Credit Union
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.
Membership information collected October 5, 2026.