Bank · FDIC insured
Freedom Bank CD Rates
Freedom Bank’s best CD rate is 4.15% APY on a 2-year CD. Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How Freedom Bank’s CD rates compare
Compared with banks and credit unions near New York, NY-NJ, where Freedom Bank has the most branches. $10,000, best rate first.
This bank’s best
Freedom Bank
4.15%APY
- Term
- 24 months
- Minimum
- $500
- Earns on $10,000
- $847
Certificate of Deposit
Top rate
Liberty Bank of New Jersey
5.00%APY
- Term
- 4 months
- Minimum
- $1,000
- Earns on $10,000
- $164
2nd-highest rate
Palisades Credit Union
5.00%APY
- Term
- 11 months
- Minimum
- $500
- Earns on $10,000
- $457
Freedom Bank CD score
82
CD score
Higher than 59% of U.S. banks and credit unions
- 3–8 months3–8 mo0.15%
- 9–15 months9–15 mo3.85%
- 16–30 months16–30 mo4.15%
- 31–60 months31–60 mo0.65%
- QualifiedQualified4.15%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Freedom Bank ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Certificate of Deposit
Up to 4.15%APY · 12 terms
Minimum balance of $0.01 in the account each day to obtain APY. Interest compounded and credited monthly. Early withdrawal penalties apply. No additional deposits until maturity.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3–5 months | 0.15% | $4 |
| 6–11 months | 0.15% | $7 |
| 12–17 months | 3.00% | $300 |
| 12 months12 Month Special. New Money Only | 3.85% | $385 |
| 12 monthsFrom Truth in Savings Disclosure for 12 Month Certificate of Deposit Account | 2.00% | $200 |
| 18–23 months | 0.30% | $45 |
| 18 months18 Month Special. New Money Only | 4.00% | $606 |
| 18 monthsFrom Truth in Savings Disclosure for 18 Month Certificate of Deposit Account | 2.05% | $309 |
| 23 months23 Month Bump-Up CD allows for 1 rate bump up during the term of the CD. Bump-ups must be made in person at a branch upon written notice. Rate changes to interest rate offered then on accounts of same original term. Does not extend original maturity date | 1.80% | $348 |
| 24–35 months | 3.25% | $661 |
| 24 months24 Month Special. New Money Only | 4.15% | $847 |
| 24 monthsFrom Truth in Savings Disclosure for 24 Month Certificate of Deposit Account | 2.00% | $404 |
| 36–47 months | 0.65% | $196 |
| 48–59 months | 0.65% | $263 |
| 60 months | 0.65% | $329 |
Special-purpose accounts
IRA Certificate of Deposit
Up to 4.15%APY · 12 terms
Same choice of CDs available for an IRA account. Minimum balance of $0.01 in the account each day to obtain APY. Interest compounded and credited monthly. Early withdrawal penalties apply. No additional deposits until maturity.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3–5 months | 0.15% | $4 |
| 6–11 months | 0.15% | $7 |
| 12–17 months | 3.00% | $300 |
| 12 months12 Month Special. New Money Only | 3.85% | $385 |
| 18–23 months | 0.30% | $45 |
| 18 months18 Month Special. New Money Only | 4.00% | $606 |
| 23 months23 Month Bump-Up CD allows for 1 rate bump up during the term of the CD. Bump-ups must be made in person at a branch upon written notice. Rate changes to interest rate offered then on accounts of same original term. Does not extend original maturity date | 1.80% | $348 |
| 24–35 months | 3.25% | $661 |
| 24 months24 Month Special. New Money Only | 4.15% | $847 |
| 36–47 months | 0.65% | $196 |
| 48–59 months | 0.65% | $263 |
| 60 months | 0.65% | $329 |
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.