Freestone Credit Union

Loan Rates

Page Reviewed 1-18-2018

Freestone Credit Union announces




As low as 2.49% APR *

On New & Used Autos!!!

(New: Cars, Boats, Motorcycles, Farm Equipment, 4 Wheelers: new or previous year

with warranty and low mileage )

(Used: 2014-2018)



Come On In!!!!!


There’s never been a better time for credit union members to invest in America.  That’s  why credit unions have teamed up with U.S. automakers to offer members great  discounts on new American-made vehicles.


For a limited time, all eligible credit union members have the unique opportunity to get a discount of up to $1,000.00 on select  vehicles from GM at selected dealerships when financing with a credit union.  All local dealerships are participating.


The deal gets even better when you finance your vehicle at Freestone Credit Union.  Thanks to our lower interest rates, your savings will really add up.


For more information, contact one of our loan officers at 254-739-2594.


Please call the office for other rates not listed.


All loans subject to credit approval.


*Rates may vary according to risk based lending policies.



Come see us today for a loan to fit your needs:


New & Used Vehicles, Motorcycles, Boats, RVs, 4 Wheelers, Mortgages, Construction, Land, pools, home improvements, Vacations, furniture, appliances, computers, personal, etc.

Let us know what you need!

FCU Loan Application —Print off, fill out completely, sign and mail (with proof of income) to:


Freestone Credit Union

Attn: Loan Department

P O Box 210

Teague, TX 75860


Or Fax to 254-739-3371



In compliance with the U.S.A. Patriot Act, we are required to obtain and verify identification provided for all new account owners and joint owners, using methods permitted by law.

In addition to offering new, used, and refinanced auto loans, we also offer Extended Vehicle Service Contracts through Vision Warranty Corporation for your auto, truck, or van.

Get peace of mind and protection against expensive, unexpected automotive repair costs when you purchase an Extended Vehicle Service Contract.

Buy an Extended Vehicle Service Contract for less than the cost at most dealerships and enjoy:

Coverage of most major components in the event of a breakdown

No-hassle Direct Payment: no reimbursement forms

A one-time premium that may be financed along with your vehicle

Put the brakes on expensive car repairs. A factory warranty may not be enough. Most major repairs occur after the manufacturer's warranty expires. Consider adding an extended vehicle service contract to your loan. Coverage obtained through the Credit Union may save you money when compared to dealer plans.

Available Features Include:

• Low deductibles - options of $0, $50, $100 or $200 available

• Coverage for vehicles up to 11 years old with up to 150,000 miles on the odometer

• Bumper-to-Bumper Exclusionary Coverage on vehicles up 11 years old and with less than 100,000 miles

• Toll Free Roadside Assistance

• Toll Free Claims phone number

• Trip Interruption Coverage

• Increased vehicle resale value

• Repair work may be performed by a dealership, franchise repair facility, or an independent repair shop

• Claims are paid directly via credit card

• Service contracts are valid in the U.S. and Canada

Why purchase an Extended Vehicle Service Contract?

Did you know that 81% of credit union members who purchase a service contract will have at least one mechanical breakdown? Extended coverage can help you save money if your car ever needs to be repaired and your manufacturer's warranty has expired. In addition, it could help if you re-sell your vehicle. Pre-owned car buyers look more favorable upon a vehicle that comes with coverage. It represents a vehicle that has likely been well maintained by its owner. Should the buyer of the vehicle decline the option to transfer your coverage, you can cancel and apply for a pro-rated refund.

How do you get an Extended Vehicle Service Contract?

Contact your credit union loan representative or call Auto Exam toll free at (800) 709-5792 or visit for more information on the Vision Warranty Program provided by Auto Exam.

Click here to learn more about an Extended Vehicle Service Contract.

Regular Loan Rates as of December 29,2017

Reviewed: 1-18-2018

*APR as low as:

Risked Based Lending

New Collateral  2017-2018 models


Used Collateral  2013-2017 models


Old Used Cars


Signature, Furniture, Appliances, Livestock and all other sub-accounts


#Fully secured by shares or CD

200 bps APR of Securing Instrument (Minimum: 3.90%)

New Recreational Vehicles


Used Recreational Vehicles


Older Recreational Vehicles


#Real Estate: Mortgage, Home Improvement, Home Equity, Land, Interim Construction

Call the office for current rates and terms.

MasterCard® Credit Cards

9.90%  See Credit Card Page


# With the exception of Real Estate Loans and Loans secured by shares or CDs, all other loan rates listed will be discounted by 0.25% up to 1.0% if the following listed services are utilized by a member: Direct Deposit, Auto Payment Transfer, Member 5+ years, e-Statements, Checking Account and Electronic Bill Pay.



*APR means Annual Percentage Rate. The specific rate and term will be dependent upon your credit rating, collateral value, amount financed, your relationship with us, and other factors. Rates and terms are subject to change without prior notice; other restrictions may apply.


All loans subject to credit approval.  *Rates may vary according to

risk based lending policies