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Freedom Community Credit Union

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Freedom Community Credit Union Rates & Review April 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Freedom Community Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: April 27, 2026

You can compare Freedom Community Credit Union rates to other rates in our database, including 12-month share certificate rates currently at 2.50%, 6-month share certificate rates at 2.77% and 3-month share certificate rates at 0.80%. Savings rates are at 0.75% and money market rates are at 1.25%. Mortgage rates on 30-year fixed loans are around 6.16%. All these rates can be compared to Freedom Community Credit Union rates. MonitorBankRates evaluates the financial stability of Freedom Community Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.87%. Rates were last updated on 04/27/2026.

Freedom Community Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Freedom Community Credit Union? Share your experience about Freedom Community Credit Union by leaving a review below, or read customer reviews before you decide to use Freedom Community Credit Union.

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

1.87%

Excellent Lower than avg

Freedom Community Credit Union
Freedom Community Credit Union

2940 University Dr N
Fargo, ND 58102

https://freedomccu.com

Current Rate Availability

We do not have Freedom Community Credit Union rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Freedom Community Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Freedom Community Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Freedom Community Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Freedom Community Credit Union

Website https://freedomccu.com

Address 2940 University Dr N, Fargo, ND 58102

Phone 701-232-0828

Fax 701-293-7339

President Robert Foss

CEO Jessica Dabbert

Full-Time Employees 3

Part-Time Employees 1

Branch Locations 2

ATM Locations 2

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

1.87%

Return on Assets (ROA)

0.3028%

Return on Equity (ROE)

3.4532%

Non-Performing Loans Ratio (NPL)

0.33%

Total Assets

30,395,633

Total Amount of Shares and Deposits

27,677,021

Total Shares and Deposits < 1 Year

27,677,021

Total Insured Shares and Deposits > $250K (item 17 less item K)

27,677,021

Total Interest Expense (Sum of items 6 8)

29,311

Share Certificates

Number of Accounts for Share Drafts

954

IRA KEOGH Accounts

Number of Accounts for Regular Shares

1,700

All other shares

376

Money Market Shares

193

Net Income (unless the amount is already included in Undivided Earnings)

92,043

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

1,276,530

Total Liabilities

27,730,185

Source: NCUA — Last Updated 09/30/2023

Customer Reviews

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Frequently Asked Questions About Freedom Community Credit Union

Is Freedom Community Credit Union a safe place to deposit money?

Yes, Freedom Community Credit Union is considered a safe financial institution. With a Texas Ratio of 1.8745066495388%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category.

How many branches does Freedom Community Credit Union operate?

Freedom Community Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Freedom Community Credit Union?

Yes, to access services at Freedom Community Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Freedom Community Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Freedom Community Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Freedom Community Credit Union offer online and mobile banking?

Most modern institutions like Freedom Community Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://freedomccu.com.