Credit union · NCUA insured
Freedom Credit Union Credit Card Rates
Freedom Credit Union credit cards start at 12.24% APR on purchases, after any introductory rate. Rates checked October 15, 2026.
How Freedom Credit Union’s credit card rates compare
Compared with banks and credit unions near Springfield, MA, where Freedom Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Freedom Credit Union
12.24%APR
- Up to
- 18.00% APR
VISA Platinum
Lowest rate
Selfreliance Federal Credit Union
9.90%APR
- Up to
- —
3rd-lowest rate
MASSMUTUAL
12.50%APR
- Up to
- 18.00% APR
Freedom Credit Union credit card score
71
Credit card score
Higher than 29% of U.S. banks and credit unions
- Purchase APRPurchase APR12.24%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Freedom Credit Union ranks
By credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
VISA Platinum
Membership eligibility requires living, working, or attending school in Hampden, Hampshire, Franklin or Berkshire counties in Massachusetts, and Hartford or Tolland counties in Connecticut, or having a family member with an active membership. Membership requires a $5 deposit into a Share Savings Account.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 12.24%–18.00% | None | Includes balance transfers and cash advances. Credit lines from $500 to $25,000. |
Sources (1)
- freedom.coop/credit-cards · captured Oct 7, 2026
VISA Rewards
Membership eligibility requires living, working, or attending school in Hampden, Hampshire, Franklin or Berkshire counties in Massachusetts, and Hartford or Tolland counties in Connecticut, or having a family member with an active membership. Membership requires a $5 deposit into a Share Savings Account.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 14.24%–18.00% | None | Includes balance transfers and cash advances. Credit lines from $500 to $25,000. |
Sources (1)
- freedom.coop/credit-cards · captured Oct 7, 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This may be incomplete or out of date, so check with the credit union before you apply.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.