Credit union · NCUA insured
FreeStar Financial Credit Union Credit Card Rates
FreeStar Financial Credit Union credit cards start at 9.50% APR on purchases, after any introductory rate. Rates checked October 17, 2026.
How FreeStar Financial Credit Union’s credit card rates compare
Compared with banks and credit unions near Detroit, MI, where FreeStar Financial Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
FreeStar Financial Credit Union
9.50%APR
Visa Platinum Card
Lowest rate
Construction Federal Credit Union
6.87%APR
2nd-lowest rate
Polish-American FCU
6.90%APR
FreeStar Financial Credit Union credit card score
87
Credit card score
Higher than 78% of U.S. banks and credit unions
- Purchase APRPurchase APR9.50%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where FreeStar Financial Credit Union ranks
By credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Heroes' Visa Classic Card
Exclusively for active or retired military with military status verification required. Credit limits start at $500. No annual fees, no cash advance fees, no balance transfer fees. Member must have a checking account with full direct deposit to qualify for promotional rate.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 3 months | 3.99% | None | Introductory rate on purchases for the first 90 days. Exclusively for active or retired military. Member must have a checking account with full direct deposit. |
| Ongoing | 11.90% | None | Ongoing rate of 11.90% APR thereafter on purchases. Exclusively for active or retired military. |
Sources (1)
- freestarfinancial.com/personal/visa · captured Oct 16, 2026
Heroes' Visa Platinum Card
Exclusively for active or retired military with military status verification required. Credit limits start at $5,000. No annual fees, no cash advance fees, no balance transfer fees. Member must have a checking account with full direct deposit to qualify for promotional rate.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 3 months | 3.99% | None | Introductory rate on purchases for the first 90 days. Exclusively for active or retired military. Member must have a checking account with full direct deposit. |
| Ongoing | 8.50% | None | Ongoing rate of 8.50% APR thereafter on purchases. Exclusively for active or retired military. |
Sources (1)
- freestarfinancial.com/personal/visa · captured Oct 16, 2026
Share-Secured Visa
Credit limits between $300 and $15,000. Must be able to have 110% for life of credit line placed into special-share account. No annual fees, no cash advance fees, no balance transfer fees. Member must have a checking account with full direct deposit to qualify for promotional rate.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 3 months | 3.99% | None | Introductory rate on purchases for the first 90 days. Must have 110% of credit line placed into special-share account. Member must have a checking account with full direct deposit. |
| Ongoing | 12.90% | None | Ongoing rate of 12.90% APR thereafter on purchases. Must have 110% of credit line placed into special-share account. |
Sources (1)
- freestarfinancial.com/personal/visa · captured Oct 16, 2026
Visa Classic Card
Credit limits between $500 and $15,000. No annual fees, no cash advance fees, no balance transfer fees. Member must have a checking account with full direct deposit to qualify for promotional rate.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 3 months | 3.99% | None | Introductory rate valid for the first 90 days on purchases. Subject to terms of promotional offer. Member must have a checking account with full direct deposit. |
| Ongoing | 12.90% | None | Ongoing rate of 12.90% APR after 90 days on purchases. Standard rates subject to credit history and other determining factors. |
Sources (1)
- freestarfinancial.com/personal/visa · captured Oct 16, 2026
Visa One
Credit limit of $500. No minimum credit score required. Must be a member for 12+ months to qualify. No annual fees. Member must have a checking account with full direct deposit to qualify for promotional rate.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 3 months | 3.99% | None | Introductory rate on purchases for the first 90 days. Member must have a checking account with full direct deposit. |
| Ongoing | 15.90% | None | Ongoing rate of 15.90% APR thereafter on purchases. |
Sources (1)
- freestarfinancial.com/personal/visa · captured Oct 16, 2026
Visa Platinum Card
Generous credit limits between $5,000 and $15,000. No annual fees, no cash advance fees, no balance transfer fees. Member must have a checking account with full direct deposit to qualify for promotional rate.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 3 months | 3.99% | None | Introductory rate valid for the first 90 days on purchases. Subject to terms of promotional offer. Member must have a checking account with full direct deposit. |
| Ongoing | 9.50% | None | Ongoing rate of 9.50% APR after 90 days on purchases. Standard rates subject to credit history and other determining factors. |
Sources (1)
- freestarfinancial.com/personal/visa · 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.