Freedom Credit Union Rates and Review February 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.
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Freedom Credit Union's savings rates are at 0.10%. Freedom Credit Union's money market rates are at 0.25%. Freedom Credit Union's Personal Loan Rates are at 9.99%. You can compare Freedom Credit Union rates to other rates in our database, including 12-month share certificate rates currently at 1.76%, 6-month share certificate rates at 3.56% and 3-month share certificate rates at 0.60%. Savings rates are at 0.05% and money market rates are at 0.10%. Mortgage rates on 30-year fixed loans are around 6.18%. All these rates, and more, can be found in our database of rates which you can compare to Freedom Credit Union rates.
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 by leaving a review below, or read customer reviews before you decide to use . Freedom Credit Union Texas RatioFreedom Credit Union's Texas Ratio is at 3.12%, which is considered excellent. The Texas Ratio for Freedom Credit Union is lower than the national average of all banks, currently at 6.13%. The Texas Ratio is a key indicator of financial health. This indicates that Freedom Credit Union has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet. MonitorBankRates Rating
5.0
Excellent
Out of 5.0 Stars
Freedom Credit Union has earned a Smart Rating of 5.0 out of 5 stars. 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. Overall, Freedom Credit Union is an excellent credit union worth considering, with an overall rating of 5.0 stars out of 5 stars. Current Interest RatesProduct
APY/APR
vs.Avg
"N/A" indicates the product is not offered or the rate is unavailable.
Freedom Credit Union
Operations Center 626 Jacksonville Rd
Warminster, PA 18974 4862 
Freedom Credit Union Savings Rates
Freedom Credit Union Money Market Rates
Freedom Credit Union Checking Rates
Freedom Credit Union Home Equity & HELOC
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 & OverviewCredit Union Name: Freedom Credit Union
Website: https://www.freedomcu.org
Full Time Employees: 93Part Time Employees: 0 President: Christopher McGinley CEO: John King Branch Locations: 4 ATM Locations: 5 Corporate Office Address:
626 Jacksonville Rd
Warminster, PA 18974 4862 Phone Number: 215-612-5900 Fax Number: FinancialsTotal Assets:
1,423,508,271
Total Amount of Shares and Deposits:
1,225,165,005
Total Shares and Deposits < 1 Year:
971,828,394
Total Shares and Deposits 1 3 Years:
189,177,389
Total Shares and Deposits > 3 Years:
64,159,223
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E):
112,860,173
Total Uninsured Shares and Deposits > $250K (F+J):
112,860,173
Total Insured Shares and Deposits > $250K (item 17 less item K):
1,112,304,832
Total Interest Expense (Sum of items 6 8):
26,371,614
Share Certificates:
14,746
Number of Accounts for Share Drafts:
40,854
IRA KEOGH Accounts:
4,790
Number of Accounts for Regular Shares:
83,386
All other shares:
622
Money Market Shares:
6,609
Total Cash on Deposit (Amounts Deposited in Financial Institutions):
351,551,308
Total Liabilities:
1,232,822,623
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Source: NCUA Last Updated 09/30/2025
Frequently Asked Questions About Freedom Credit UnionIs a member application needed to join Freedom Credit Union?Yes, to access services at Freedom Credit Union, a member application is required. Is there a first-time homebuyer program?Currently, Freedom Credit Union provides a range of mortgage and home equity products. Is Freedom Credit Union a safe place to deposit money?Yes, Freedom Credit Union is considered a safe financial institution. Your accounts are federally insured by the NCUA up to $250,000 per depositor. Does Freedom Credit Union offer online and mobile banking?Most modern institutions like Freedom Credit Union provide digital access including online balance checks and transfers. Compare to other Credit Unions |
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