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Free Stone Credit Union Free Stone Credit Union
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Your Trusted Partner for Financial Solutions in Teague, TX
Free Stone Credit Union has been dedicated to providing quality financial services to our members since our founding in Texas. Our mission centers on delivering honest, integrity-driven, and trustworthy banking solutions tailored to meet the needs of individuals and families in our community. With a focus on personalized service, we offer a comprehensive range of products including checking and savings accounts, share certificates, auto and personal loans, real estate financing, and MasterCard credit cards. Our team of experienced professionals prioritizes member satisfaction, ensuring competitive rates and flexible terms for every financial product. We emphasize financial education through resources like Kirby Kangaroo accounts for youth and STAR accounts for students, empowering future generations to build strong financial foundations. As a member-owned institution, we operate under the regulatory oversight of the Texas Credit Union Department, maintaining transparency and accountability in all our operations.

Our commitment to excellence is reflected in our 24/7 online banking access, mobile app convenience, and multiple branch locations serving Teague, Fairfield, and Nucor Steel employees. We pride ourselves on fostering long-term relationships with our members, offering gap insurance, extended warranties, and credit life/disability coverage to enhance loan benefits. Through innovative services like SavvyMoney credit monitoring and risk-based lending policies, we help members improve credit scores and achieve financial goals. Our community-centric approach ensures that every decision aligns with the best interests of those we serve, reinforcing our position as a trusted financial partner in East Texas.
Services
Checking Accounts Savings Options Auto Loans Personal Loans Credit Cards Share Certificates Youth Accounts Mortgage Loans Mobile Banking ATM Services
Highlights and features
  • We offer locally tailored financial solutions with personalized service from experienced professionals.
  • Our competitive share certificate rates and flexible loan terms adapt to members' unique needs.
  • We provide financial education resources for youth through Kirby Kangaroo and STAR accounts.
  • Our 24/7 digital banking tools and mobile app ensure convenient account access anytime, anywhere.
  • We maintain transparency with no hidden fees and clear explanations of all products/services.
Associations and certifications
  • Texas Credit Union Department
  • NCUA (National Credit Union Administration)
Update Listing
Services
Share Certificates
Our share certificates offer guaranteed returns with fixed rates for terms ranging from 6 to 60 months. These low-risk savings vehicles help members grow their money securely while maintaining FDIC-insured protection. Competitive annual percentage yields ensure predictable growth for short- and long-term financial goals.
Auto Loans
We provide financing for new and used vehicles including cars, boats, motorcycles, and ATVs. Competitive APRs adjust based on creditworthiness, with optional gap insurance and extended warranties available to protect investments. Loan terms align with vehicle age and member financial profiles.
Youth Accounts
Kirby Kangaroo accounts serve children up to age 12, while CU Succeed accounts support teens aged 13-17. These educational accounts teach financial responsibility through youth-friendly features and parental guidance, establishing early savings habits in a secure environment.
Mobile Banking
Our mobile app enables 24/7 account access for balance checks, transfers, bill payments, and credit score monitoring. Biometric login options and real-time alerts enhance security, while check deposit features eliminate branch visits for routine transactions.
Personal Loans
Unsecured personal loans provide flexible funding for debt consolidation, home improvements, or unexpected expenses. Risk-based pricing ensures fair rates tied to credit history, with repayment terms structured to match borrowers' financial capabilities.
Questions
How do I become a member of Freestone Credit Union?
Visit any branch location with valid ID and $5 to open a share account. Membership extends to family members and requires maintaining minimum balances.
What loan options are available for first-time car buyers?
We offer competitive APRs on new and used vehicle loans with optional gap insurance. First-time buyers benefit from credit-building resources and pre-approval options.
Are my deposits insured at Freestone Credit Union?
Yes, accounts are insured up to $250,000 by the NCUA, a U.S. government agency protecting credit union members' deposits.
Can I access my account after regular business hours?
Yes, our mobile app provides 24/7 access for balance checks, transfers, and bill payments. ATMs in Teague and Fairfield offer cash access outside branch hours.
What youth financial education resources do you offer?
We provide Kirby Kangaroo accounts for children, CU Succeed accounts for teens, and STAR accounts for students. These include educational materials to develop financial literacy.