Credit union · NCUA insured
Freedom Credit Union Savings Rates
Top CarrotFreedom Credit Union’s best savings rate is 3.19% APY on $10,000, with its High-Yield Savings Account. Rates checked October 16, 2026.
How Freedom Credit Union’s savings 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
3.19%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $319
High-Yield Savings Account
Top rate
Woori America Bank
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $1,000
- Earns on $10,000 a year
- $500
2nd-highest rate
Comenity Capital Bank
4.05%APY
- Requires
- None
- Minimum
- $100
- Earns on $10,000 a year
- $405
Freedom Credit Union savings score
94
Savings score
Higher than 96% of U.S. banks and credit unions
- $1,000 balance$1,0000.25%
- $10,000 balance$10,0003.19%
- $100,000 balance$100,0003.19%
- QualifiedQualified3.19%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
High-Yield Savings Account
3.19%APY
Requires membership with Freedom Credit Union (open regular savings with $5 minimum balance; eligible if living, working, worshiping, volunteering, or attending school in Bucks, Chester, Delaware, Montgomery, or Philadelphia Counties). Tier 2 rate is variable and subject to daily adjustments.
| Balance | APY | Minimum | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|---|
| Up to $10,000Tier 1 rate. Dividends are paid monthly on average daily balance based on current tier level rate. · $0 to open | 0.25% | $0 | — | Tier 1 rate. Dividends are paid monthly on average daily balance based on current tier level rate. |
| $10,000 and upTier 2 rate. Variable rate subject to daily adjustments. Dividends paid monthly on average daily balance based on current tier level rate. · $10,000 to open | 3.19% | $10,000 | $319 | Tier 2 rate. Variable rate subject to daily adjustments. Dividends paid monthly on average daily balance based on current tier level rate. |
Sources (3)
All captured Oct 6, 2026
Education Savings
0.25%APY
Must become a Member and open a Savings account first. Deposit up to $2,000 per year for each child until the child turns 18. Withdrawals must be for qualified education expenses.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends are computed monthly on average daily balances of $5 or more and posted monthly.Any balance | 0.25% | $25 | Dividends are computed monthly on average daily balances of $5 or more and posted monthly. |
Sources (3)
- freedomcu.org/accounts/savings
- freedomcu.org/accounts/savings/education-savings-account
- freedomcu.org/rates
All captured Oct 6, 2026
Primary Savings
0.25%APY
Dividends are computed monthly on average daily balances of $5 or more and posted monthly. Must be a member (or become a member) to open; membership requires living, working, worshiping, volunteering, or attending school in Bucks, Chester, Delaware, Montgomery, or Philadelphia Counties.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends are computed monthly on average daily balances of $5 or more and posted monthly.Any balance | 0.25% | $25 | Dividends are computed monthly on average daily balances of $5 or more and posted monthly. |
Sources (4)
- freedomcu.org/accounts/savings
- freedomcu.org/accounts/savings/primary-savings
- freedomcu.org/accounts/high-yield-savings
- freedomcu.org/rates
All captured Oct 6, 2026
Special-purpose accounts
Club Savings
0.25%APY
Dividends are computed monthly on average daily balances of $5 or more and posted monthly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends are computed monthly on average daily balances of $5 or more and posted monthly.Any balance | 0.25% | $25 | Dividends are computed monthly on average daily balances of $5 or more and posted monthly. |
Sources (3)
- freedomcu.org/accounts/savings
- freedomcu.org/accounts/savings/club-savings-account
- freedomcu.org/rates
All captured Oct 6, 2026
IRA Savings
0.25%APY
Traditional and Roth IRA share accounts available. Dividends are computed monthly on average daily balances of $5 or more and posted monthly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends are computed monthly on average daily balances of $5 or more and posted monthly.Any balance | 0.25% | $25 | Dividends are computed monthly on average daily balances of $5 or more and posted monthly. |
Sources (4)
- freedomcu.org/accounts/ira
- freedomcu.org/accounts/ira/roth-ira
- freedomcu.org/rates
- freedomcu.org/accounts/ira/traditional-ira
All captured Oct 6, 2026
Health Savings
0.10%APY
Must become a Member first. Designed for medical-related expenses and works with high-deductible health care plans. No monthly maintenance fee.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.10% | $10 |
Sources (3)
- freedomcu.org/accounts/savings
- freedomcu.org/accounts/savings/health-savings-account
- freedomcu.org/rates
All captured Oct 6, 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.