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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Freedom Credit Union Rates & Review March 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: March 23, 2026
Freedom Credit Union's 60 month Term CDs rates are at 4.10%, 48 month Term CDs rates are at 4.05%, 24 month Term CDs rates are at 4.00%, 36 month Term CDs rates are at 4.00%, 12 month Term CDs rates are at 3.95%. Freedom Credit Union's savings rates are at 3.50%. Freedom Credit Union's 1st Mortgage Loans rates are at 5.25%, 1st Mortgage Loans rates are at 5.38%, 1st Mortgage Loans rates are at 5.25%, 1st Mortgage Loans rates are at 5.50%. Freedom Credit Union's Personal Loan Rates are at 11.99%. MonitorBankRates evaluates the financial stability of Freedom Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.27%. Rates were last updated on 03/23/2026. Freedom 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 Credit Union? Share your experience about Freedom Credit Union by leaving a review below, or read customer reviews before you decide to use Freedom Credit Union. 
Freedom Credit Union CD Rates
Freedom Credit Union Savings Rates
Freedom Credit Union Checking Rates
Freedom Credit Union Mortgage Rates
Freedom Credit Union Home Equity & HELOC
Freedom Credit Union Auto Loan Rates
Freedom Credit Union Credit Card Rates
Freedom Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Freedom 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 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 Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Freedom Credit Union
Website
https://www.freedomcu.com
Address
815 N Freedom Blvd,
Provo, UT 84604 3315
Phone
801-375-2120
Fax
801-377-0435
President
Thomas Crabb
CEO
Ken Payne
Full-Time Employees
10
Part-Time Employees
2
Branch Locations
2
ATM Locations
0
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (100/100)
Texas Ratio
0.27%
Return on Assets (ROA)
0.5466%
Return on Equity (ROE)
5.0648%
Non-Performing Loans Ratio (NPL)
0.04%
Total Assets
67,130,284
Total Amount of Shares and Deposits
59,315,488
Total Shares and Deposits < 1 Year
52,207,276
Total Shares and Deposits 1 3 Years
5,663,859
Total Shares and Deposits > 3 Years
1,444,354
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
2,478,306
Total Uninsured Shares and Deposits > $250K (F+J)
2,478,306
Total Insured Shares and Deposits > $250K (item 17 less item K)
56,837,182
Total Interest Expense (Sum of items 6 8)
941,301
Share Certificates
581
Number of Accounts for Share Drafts
2,640
IRA KEOGH Accounts
119
Number of Accounts for Regular Shares
5,199
Non Member Deposits
3
Money Market Shares
145
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
4,003,420
Total Liabilities
59,882,115
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Freedom Credit UnionIs Freedom Credit Union a safe place to deposit money?Yes, Freedom Credit Union is considered a safe financial institution. With a Texas Ratio of 0.27479155647768%, 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 Credit Union operate?Freedom 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 Credit Union?Yes, to access services at Freedom 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 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 Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Freedom Credit Union offer online and mobile banking?Most modern institutions like Freedom 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://www.freedomcu.com. Current Freedom Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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