Credit union · NCUA insured
Freedom Credit Union CD Rates
Freedom Credit Union’s best CD rate is 4.50% APY on a 15-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 15, 2026.
How Freedom Credit Union’s CD rates compare
Compared with banks and credit unions near Springfield, MA, where Freedom Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Freedom Credit Union
4.50%APY
- Term
- 15 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $566
15-Month Certificate Special
2nd-highest rate
MASSMUTUAL
4.33%APY
- Term
- 15 months
- Requires
- Conditions apply
- Minimum
- $500
- Earns on $10,000
- $544
3rd-highest rate
Liberty Bank
4.25%APY
- Term
- 13 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $461
Freedom Credit Union CD score
87
CD score
Higher than 77% of U.S. banks and credit unions
- 3–8 months3–8 mo3.00%
- 9–15 months9–15 mo4.00%
- 16–30 months16–30 mo3.95%
- 31–60 months31–60 mo4.05%
- QualifiedQualified4.05%
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 Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
15-Month Certificate Special
4.50%APY · 1 term
Credit Union membership required by opening a $5 share savings account. Special rate promotion subject to end without notice. Auto-renews / rolls over to a 12-month term at maturity at prevailing rate. Early withdrawal penalty applies.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 15 monthsLimited-time special rate. $500 minimum to open and minimum of $500 to earn advertised APY. Auto-renews / rolls over to a 12-month term at maturity at prevailing 12-month rate | 4.50% | $566 |
Sources (1)
- freedom.coop/blog/dont-miss-ou…5-month-certificate-rate · captured Oct 5, 2026
36-Month Certificate Special
4.05%APY · 1 term
Credit Union membership required by opening a $5 share savings account. No monthly maintenance fees for Certificates that reach full maturity. Special rate promotion subject to end without notice. Rolls over to a 36-month term at maturity at prevailing rate. Early withdrawal penalty applies.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 36 monthsMinimum $500 requirement to open and minimum of $500 to earn advertised APY. Special rate promotion subject to end without notice. Rolls over to a 36-month term at maturity at prevailing rate | 4.05% | $1,265 |
Sources (1)
- freedom.coop/24-36-month-certificate-special · captured Oct 5, 2026
Savings Certificate
Up to 4.05%APY · 8 terms
Requires $500 minimum to open and $500 minimum balance to earn advertised APY. Penalty imposed for early withdrawal. Dividend rate and APY may change at any time.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.00% | $149 |
| 9 months | 1.00% | $75 |
| 12 months | 3.45% | $345 |
| 18 months | 3.45% | $522 |
| 24 months | 3.95% | $806 |
| 36 months | 4.05% | $1,265 |
| 48 months | 3.75% | $1,587 |
| 60 months | 3.90% | $2,108 |
Sources (1)
- freedom.coop/featured_rates/home-page-rates · captured Oct 5, 2026
13-Month Certificate Special
4.00%APY · 1 term
Credit Union membership required by opening a $5 share savings account. No monthly maintenance fees for certificates that reach full maturity. Auto-renews / rolls over to a 12-month term at maturity at prevailing rate. Early withdrawal penalty applies.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 13 monthsLimited time offer. $500 minimum requirement to open and minimum of $500 to earn advertised APY. Auto-renews / rolls over to a 12-month term at maturity at prevailing rate | 4.00% | $434 |
Sources (1)
- freedom.coop/blog/13-month-certificate-special · captured Oct 5, 2026
24-Month Certificate Special
3.95%APY · 1 term
Credit Union membership required by opening a $5 share savings account. No monthly maintenance fees for Certificates that reach full maturity. Special rate promotion subject to end without notice. Rolls over to a 24-month term at maturity at prevailing rate. Early withdrawal penalty applies.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 24 monthsMinimum $500 requirement to open and minimum of $500 to earn advertised APY. Special rate promotion subject to end without notice. Rolls over to a 24-month term at maturity at prevailing rate | 3.95% | $806 |
Sources (1)
- freedom.coop/24-36-month-certificate-special · captured Oct 5, 2026
Special Anniversary Certificate
Up to 2.75%APY · 3 terms
Special anniversary certificate rates celebrating 100 years.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 36 months | 2.25% | $690 |
| 48 months | 2.50% | $1,038 |
| 60 months | 2.75% | $1,453 |
Sources (1)
- freedom.coop/blog/dont-miss-ou…ersary-certificate-rates · captured Oct 5, 2026
Special-purpose accounts
7-Month Certificate Special
5.00%APY · 1 term
Credit Union membership is required by opening a $5 share savings account. Special rate promotion subject to end without notice. Auto-renews to a 6-month term at maturity at prevailing rate. Early withdrawal penalty applies.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 7 monthsSpecial rate promotion subject to end without notice. $500 minimum requirement to open and minimum of $500 to earn advertised APY. 7-Month IRA/Share Certificate Special auto-renews to a 6-month term at maturity at prevailing rate | 5.00% | $289 |
Sources (1)
- freedom.coop/blog/special-certificate-rate · captured Oct 5, 2026
7-Month IRA Certificate Special
5.00%APY · 1 term
Credit Union membership is required by opening a $5 share savings account. Special rate promotion subject to end without notice. Auto-renews to a 6-month term at maturity at prevailing rate. Early withdrawal penalty applies.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 7 monthsSpecial rate promotion subject to end without notice. $500 minimum requirement to open and minimum of $500 to earn advertised APY. 7-Month IRA/Share Certificate Special auto-renews to a 6-month term at maturity at prevailing rate | 5.00% | $289 |
Sources (1)
- freedom.coop/blog/special-certificate-rate · captured Oct 5, 2026
IRA Certificate
Up to 4.05%APY · 8 terms
Traditional and Roth IRA certificates available. Requires $500 minimum to open and $500 minimum balance to earn advertised APY. Penalty imposed for early withdrawal. Dividend rate and APY may change at any time.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.00% | $149 |
| 9 months | 1.00% | $75 |
| 12 months | 3.45% | $345 |
| 18 months | 3.45% | $522 |
| 24 months | 3.95% | $806 |
| 36 months | 4.05% | $1,265 |
| 48 months | 3.75% | $1,587 |
| 60 months | 3.90% | $2,108 |
Sources (2)
All captured Oct 5, 2026
Who can join Freedom Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone who lives, works, or attends school in Hampden, Hampshire, Franklin, or Berkshire counties in Massachusetts, or Hartford or Tolland counties in Connecticut.
Family and household
- Family members of an existing member are eligible to join regardless of where they live or work.
Cost to join
- Membership requires a $5 deposit into a Share Savings Account.
Membership information collected October 5, 2026.