Credit union · NCUA insured
Freedom Credit Union CD Rates
Top CarrotFreedom Credit Union’s best CD rate is 4.28% APY on a 2-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How Freedom Credit Union’s CD rates compare
Compared with banks and credit unions near Philadelphia, PA-NJ-DE-MD, where Freedom Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Freedom Credit Union
4.28%APY
- Term
- 24 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $874
Certificate Account
Top rate
Monroe Savings Bank (Williamstown, NJ)
5.00%APY
- Term
- 6 months
- Requires
- Another account
- Minimum
- $500
- Earns on $10,000
- $247
2nd-highest rate
First Financial Federal Credit Union
5.00%APY
- Term
- 7 months
- Requires
- Another account
- Minimum
- $500
- Earns on $10,000
- $289
Freedom Credit Union CD score
94
CD score
Higher than 96% of U.S. banks and credit unions
- 3–8 months3–8 mo4.12%
- 9–15 months9–15 mo4.17%
- 16–30 months16–30 mo4.28%
- 31–60 months31–60 mo3.81%
- QualifiedQualified4.28%
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.
Certificate Account
Up to 4.28%APY · 8 terms
Membership in Freedom Credit Union required ($5 minimum savings account balance). Minimum deposit of $500 ($250 for Youth CD - 25 or younger). Early withdrawal penalty applies. Dividends calculated by actual daily balance method and paid monthly.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months$250 minimum opening deposit for Youth CD (25 or younger) | 4.12% | $204 |
| 12 months$250 minimum opening deposit for Youth CD (25 or younger) | 4.17% | $417 |
| 18 months$250 minimum opening deposit for Youth CD (25 or younger) | 4.22% | $640 |
| 24 months$250 minimum opening deposit for Youth CD (25 or younger) | 4.28% | $874 |
| 30 months$250 minimum opening deposit for Youth CD (25 or younger) | 3.81% | $980 |
| 36 months$250 minimum opening deposit for Youth CD (25 or younger) | 3.81% | $1,187 |
| 48 months$250 minimum opening deposit for Youth CD (25 or younger) | 3.81% | $1,613 |
| 60 months$250 minimum opening deposit for Youth CD (25 or younger) | 3.81% | $2,056 |
Sources (1)
- freedomcu.org/accounts/cd · captured Oct 9, 2026
Special-purpose accounts
IRA Certificate
Up to 4.28%APY · 8 terms
Available as Roth IRA or Traditional IRA certificate. Membership in Freedom Credit Union required. Minimum deposit of $500 required to open an IRA CD. Early withdrawal penalty applies. Dividends calculated by actual daily balance method.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 4.12% | $204 |
| 12 months | 4.17% | $417 |
| 18 months | 4.22% | $640 |
| 24 months | 4.28% | $874 |
| 30 months | 3.81% | $980 |
| 36 months | 3.81% | $1,187 |
| 48 months | 3.81% | $1,613 |
| 60 months | 3.81% | $2,056 |
Sources (3)
- freedomcu.org/accounts/cd
- freedomcu.org/accounts/ira/roth-ira
- freedomcu.org/accounts/ira/traditional-ira
All captured Oct 9, 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, worships, attends school, or volunteers in Bucks, Chester, Delaware, Montgomery, or Philadelphia Counties.
Family and household
- Membership is open to individuals who are related to an existing Freedom Credit Union member.
Cost to join
- All memberships require opening and maintaining a Freedom Savings account with a minimum balance of $5.00.
Membership information collected October 5, 2026.