What are the current interest rates at Freedom Credit Union?

Current rates for Freedom Credit Union include: 12-Month CD: 4.17%, 18-Month CD: 4.22%, 24-Month CD: 4.28%, 60-Month CD: 3.81%, Savings: 3.19%

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Freedom Credit Union

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Freedom Credit Union Rates & Review October 2026

Q: 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.

Q: 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.

Q: 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.

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 9, 2026

Freedom Credit Union's top rates as of October 9, 2026 are 4.28% APY on its 24 Month CD, 3.19% APY on savings, 0.10% APY on checking, auto loans from 3.99% APR, and credit cards from 12.90% APR, according to rates verified by MonitorBankRates. Other Freedom Credit Union CD rates include 18 Month CD at 4.22%, 12 Month CD at 4.17%, and 6 Month CD at 4.12%. 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 3.02%. Rates last updated and verified on 10/09/2026.

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.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.02%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Freedom Credit Union
Operations Center

626 Jacksonville Rd
Warminster, PA 18974-4862

https://www.freedomcu.org

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Freedom Credit Union CD Rates

Product	Rate	APY	Term
24 Month CD	4.20%	4.28%	24 months
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.28% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.02%
18 Month CD	4.15%	4.22%	18 months
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.22% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.02%
12 Month CD	4.10%	4.17%	12 months
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.17% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.02%
6 Month CD	4.05%	4.12%	6 months
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.12% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.02%
30 Month CD	3.75%	3.81%	30 months
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.81% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.02%
36 Month CD	3.75%	3.81%	36 months
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.81% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.02%
48 Month CD	3.75%	3.81%	48 months
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.81% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.02%
60 Month CD	3.75%	3.81%	60 months
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.81% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.02%

Freedom Credit Union Savings Rates

Product	Rate	APY
High-Yield Savings Account	3.15%	3.19%
Min Deposit $10,000 Min Balance $10,000 Details Balance: $10,000 and up Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.04% → 3.19% ▲ 0.15 pts · high 3.19% / low 3.04% Oct 9, 20263.19%▲ from 3.04% Sep 14, 20263.04%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.02%
Club Savings	0.25%	0.25%
Min Deposit $0 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.02%
Education Savings	0.25%	0.25%
Min Deposit $0 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.02%
High-Yield Savings Account	0.25%	0.25%
Min Deposit $0 Min Balance $0 Details Balance: $0 - $9,999.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.02%
IRA Savings	0.25%	0.25%
Min Deposit $0 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.02%
Primary Savings	0.25%	0.25%
Min Deposit $5 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.02%
Health Savings	0.10%	0.10%
Min Deposit $0 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.02%

Freedom Credit Union Checking Rates

Product	Rate	APY	View More
Checking	0.10%	0.10%
Min Deposit $0 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.02%

Freedom Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Loan	-	-	5.75%	1 - 60 months
Details As Low As Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 5.75% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.02%
Home Equity Loan	-	-	6.00%	61 - 120 months
Details As Low As Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.02%
Home Equity Loan	-	-	6.25%	121 - 180 months
Details As Low As Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.25% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.02%
Home Equity Line of Credit	-	-	6.99%
Details As low as 6.99% Variable APR Home Equity Line Amounts* Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 6.74% → 6.99% ▲ 0.25 pts · high 6.99% / low 6.74% Oct 2, 20266.99%▲ from 6.74% Sep 14, 20266.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.02%

Freedom Credit Union Auto Loan Rates

Product	Rate	Points	APR
Auto Loan	-	-	3.99%
Details As Low As Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 3.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.02%
Auto Loan	-	-	4.49%
Details As Low As; available for a limited time Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 4.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.02%

Freedom Credit Union Credit Card Rates

Product	Rate	APR
Cash Back Visa	-	12.90%
Details Intro/promo APR: 0.99%; Intro rate expires: 6-month Term; Regular APR: 12.90% - 17.90% Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 12.65% → 12.90% ▲ 0.25 pts · high 12.90% / low 12.65% Oct 9, 202612.90%▲ from 12.65% Sep 14, 202612.65%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.02%
Credit Card	-	12.90%
Details Published APR range: 12.90%-17.90%. Intro rate expires: 6-month Term; Regular APR: 0.99% Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 12.65% → 12.90% ▲ 0.25 pts · high 12.90% / low 12.65% Oct 9, 202612.90%▲ from 12.65% Sep 14, 202612.65%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.02%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Freedom Credit Union’s Texas Ratio stayed near 3.35% in Q3 2023 to 3.02% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$1.5B	3.02%	5.0	A+
March 31, 2026	$1.5B	2.95%	5.0	A+
December 31, 2025	$1.5B	3.23%	5.0	A+
September 30, 2025	$1.4B	2.99%	5.0	A+
June 30, 2025	$1.4B	3.07%	5.0	A+
March 31, 2025	$1.4B	2.95%	5.0	A+
December 31, 2024	$1.4B	3.38%	5.0	A+
September 30, 2024	$1.3B	4.31%	5.0	A+
June 30, 2024	$1.3B	3.74%	5.0	A+
March 31, 2024	$1.3B	3.12%	5.0	A+
December 31, 2023	$1.2B	3.27%	5.0	A+
September 30, 2023	$1.2B	3.35%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates 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.org

Address 626 Jacksonville Rd, Warminster, PA 18974-4862

Phone 215-612-5900

Fax

President Christopher McGinley

CEO John King

Full-Time Employees 98

Part-Time Employees 0

Branch Locations 4

ATM Locations 5

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

3.02%

Return on Assets (ROA)

0.4805%

Return on Equity (ROE)

3.5953%

Non-Performing Loans Ratio (NPL)

0.81%

Total Assets

1,499,776,160

Total Amount of Shares and Deposits

1,296,220,914

Total Shares and Deposits < 1 Year

1,020,994,381

Total Shares and Deposits 1 3 Years

248,211,372

Total Shares and Deposits > 3 Years

27,015,161

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

127,893,965

Total Uninsured Shares and Deposits > $250K (F+J)

127,893,965

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

1,168,326,949

Total Interest Expense (Sum of items 6 8)

16,138,464

Share Certificates

15,206

Number of Accounts for Share Drafts

40,113

IRA KEOGH Accounts

4,772

Number of Accounts for Regular Shares

80,953

All other shares

620

Money Market Shares

7,132

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

314,032,345

Total Liabilities

1,304,038,532

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Freedom Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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Average Rating

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Frequently Asked Questions About Freedom Credit Union

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.org.