Credit union · NCUA insured
Freedom Credit Union CD Rates
Top CarrotFreedom Credit Union’s best CD rate is 4.25% APY on a 2-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How Freedom Credit Union’s CD rates compare
Compared with banks and credit unions near Provo, UT, where Freedom Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Freedom Credit Union
4.25%APY
- Term
- 24 months
- Minimum
- $1,000
- Earns on $10,000
- $868
Term Share Certificate
Top rate
Happen Bank
4.76%APY
- Term
- 24 months
- Minimum
- $500
- Earns on $10,000
- $975
2nd-highest rate
America First Credit Union
4.60%APY
- Term
- 60 months
- Minimum
- $500
- Earns on $10,000
- $2,522
Freedom Credit Union CD score
91
CD score
Higher than 93% of U.S. banks and credit unions
- 3–8 months3–8 mo3.90%
- 9–15 months9–15 mo3.95%
- 16–30 months16–30 mo4.25%
- 31–60 months31–60 mo4.25%
- QualifiedQualified4.25%
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.
Term Share Certificate
Up to 4.25%APY · 7 terms
Early withdrawal penalty applies: 90 days of dividends for terms less than 2 years; 180 days of dividends for terms 2 years or more. Dividends credited quarterly. Fees may reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.90% | $193 |
| 12 months | 3.95% | $395 |
| 18 months | 4.10% | $621 |
| 24 months | 4.25% | $868 |
| 36 months | 4.25% | $1,330 |
| 48 months | 4.25% | $1,811 |
| 60 months | 4.25% | $2,313 |
Sources (1)
- freedomcu.com/rates · captured Oct 4, 2026
Special-purpose accounts
IRA Certificate
Up to 4.25%APY · 7 terms
Early withdrawal penalty applies: 90 days of dividends for terms less than 2 years; 180 days of dividends for terms 2 years or more. Dividends credited quarterly. Fees may reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.90% | $193 |
| 12 months | 3.95% | $395 |
| 18 months | 4.10% | $621 |
| 24 months | 4.25% | $868 |
| 36 months | 4.25% | $1,330 |
| 48 months | 4.25% | $1,811 |
| 60 months | 4.25% | $2,313 |
Sources (1)
- freedomcu.com/rates · captured Oct 4, 2026
Youth Certificate
Up to 4.25%APY · 7 terms
Available for members under 18. Early withdrawal penalty applies: 90 days of dividends for terms less than 2 years; 180 days of dividends for terms 2 years or more. Dividends credited quarterly. Fees may reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.90% | $193 |
| 12 months | 3.95% | $395 |
| 18 months | 4.10% | $621 |
| 24 months | 4.25% | $868 |
| 36 months | 4.25% | $1,330 |
| 48 months | 4.25% | $1,811 |
| 60 months | 4.25% | $2,313 |
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
- Open to all residents of Utah County.
Membership information collected October 4, 2026.