Credit union · NCUA insured
FreeStar Financial Credit Union Savings Rates
FreeStar Financial Credit Union’s best savings rate is 0.25% APY on $10,000, with its Money Management Account. Rates checked October 17, 2026.
How FreeStar Financial Credit Union’s savings 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
0.25%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $25
Money Management Account
Top rate
Ignite Credit Union
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $0
- Earns on $10,000 a year
- $500
2nd-highest rate
Flagstar Bank
4.00%APY
- Requires
- None
- Minimum
- $1
- Earns on $10,000 a year
- $400
FreeStar Financial Credit Union savings score
74
Savings score
Higher than 37% of U.S. banks and credit unions
- $1,000 balance$1,0000.15%
- $10,000 balance$10,0000.25%
- $100,000 balance$100,0004.00%
- QualifiedQualified0.25%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where FreeStar Financial Credit Union ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
High-Yield Savings
4.00%APY
Members are limited to one account of this type. No dividends are paid on balances below $25,000 or above $250,000. Dividends calculated using average daily balance method.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25,000 – $250,000No dividends are paid on balances below $25,000 or above $250,000. Members are limited to one account of this type.$25,000 – $250,000 | 4.00% | — | No dividends are paid on balances below $25,000 or above $250,000. Members are limited to one account of this type. |
Money Management Account
0.25%APY
Limited to six electronic transactions per month (online banking, telephone banking, overdraft transfers). Funds cannot be accessed through an ATM. Dividends/interest calculated based on average daily balance and paid monthly. Money Management specials are offered for a limited time and subject to change.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1,000 – $5,000Dividends compounded monthly based on 365-day period and paid monthly. | 0.10% | — | Dividends compounded monthly based on 365-day period and paid monthly. |
| $5,000 – $49,999Dividends compounded monthly based on 365-day period and paid monthly. | 0.25% | $25 | Dividends compounded monthly based on 365-day period and paid monthly. |
| $50,000 – $74,999Dividends compounded monthly based on 365-day period and paid monthly. | 0.45% | — | Dividends compounded monthly based on 365-day period and paid monthly. |
| $75,000 – $99,999Dividends compounded monthly based on 365-day period and paid monthly. | 0.55% | — | Dividends compounded monthly based on 365-day period and paid monthly. |
| $100,000 – $149,999Dividends compounded monthly based on 365-day period and paid monthly. | 0.60% | — | Dividends compounded monthly based on 365-day period and paid monthly. |
| $150,000 and upDividends compounded monthly based on 365-day period and paid monthly. | 0.70% | — | Dividends compounded monthly based on 365-day period and paid monthly. |
Sources (1)
- freestarfinancial.com/save/acc…oney-management-accounts · captured Oct 5, 2026
Regular Share Savings
0.15%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upRegular Share Savings Dividend Rate only applies to balances over $100. Dividends paid quarterly.$100 and up | 0.15% | $15 | Regular Share Savings Dividend Rate only applies to balances over $100. Dividends paid quarterly. |
Special Savings
0.15%APY
Separate accounts established by members who wish to save for a wedding, the holidays, a special event, or even a rainy day fund.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upSpecial Savings Dividend Rate only applies to balances over $100. Dividends paid quarterly.$100 and up | 0.15% | $15 | Special Savings Dividend Rate only applies to balances over $100. Dividends paid quarterly. |
Special-purpose accounts
IRA Rollover
0.50%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends paid quarterly.Any balance | 0.50% | $50 | Dividends paid quarterly. |
Sources (1)
- freestarfinancial.com/loan-rates · captured Oct 5, 2026
Individual Retirement Account (IRA)
0.50%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends paid quarterly.Any balance | 0.50% | $50 | Dividends paid quarterly. |
Sources (2)
All captured Oct 5, 2026
Christmas Club
0.15%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upChristmas Club Dividend Rate only applies to balances over $100. Dividends paid monthly.$100 and up | 0.15% | $15 | Christmas Club Dividend Rate only applies to balances over $100. Dividends paid monthly. |
Sources (1)
- freestarfinancial.com/loan-rates · captured Oct 5, 2026
Vacation Club
0.15%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upVacation Club Dividend Rate only applies to balances over $100. Dividends paid quarterly.$100 and up | 0.15% | $15 | Vacation Club Dividend Rate only applies to balances over $100. Dividends paid quarterly. |
Sources (1)
- freestarfinancial.com/loan-rates · captured Oct 5, 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.