Credit union · NCUA insured
Freedom Credit Union Savings Rates
Top CarrotFreedom Credit Union’s best savings rate is 1.75% APY on $10,000, with its Money Market Shares. Rates checked October 22, 2026.
How Freedom Credit Union’s savings 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
3.50%APY
- Requires
- Monthly account activity
- Minimum
- $5
- Earns on $10,000 a year
- $350
High Yield Savings
Top rate
Happen Bank
4.20%APY
- Requires
- Monthly account activity
- Minimum
- $0
- Earns on $10,000 a year
- $420
2nd-highest rate
Deseret First Credit Union
4.10%APY
- Requires
- None
- Minimum
- $5
- Earns on $10,000 a year
- $410
Freedom Credit Union savings score
88
Savings score
Higher than 84% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0001.75%
- $100,000 balance$100,0002.00%
- QualifiedQualified3.50%
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
Up to 3.50%APY
Qualifying Cash or Cash Back checking account required to open or receive rewards. Must meet monthly qualification requirements: at least 1 direct deposit/ACH credit/ACH payment transaction, at least 12 debit card purchases, and enrolled in e-statements. If qualifications are not met, base rate of 0.05% APY applies to all balances. No monthly maintenance fee. Limit 1 account per member. Minimum opening deposit stated as $0.00 in rate table, and $5.00 or $25.00 in text/disclosures.
| Balance | APY | Minimum | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|---|
| Any balanceBase rate earned on entire average daily balance if qualifications in linked High Yield Rewards or Cash Back Rewards checking are not met. Dividend rate is 0.050%. · $5 to open | 0.05% | $5 | $5 | Base rate earned on entire average daily balance if qualifications in linked High Yield Rewards or Cash Back Rewards checking are not met. Dividend rate is 0.050%. |
| Up to $250,000When qualifications are met in linked checking account. Dividend rate is 3.45%. Stated minimum balance to earn APY is $0.01; text notes no minimum balance required to earn stated dividend. Stated opening deposit is $0.00 in rate table ($5.00/$25.00 in disclosures). · $0 to open | 3.50% | $0 | $350 | When qualifications are met in linked checking account. Dividend rate is 3.45%. Stated minimum balance to earn APY is $0.01; text notes no minimum balance required to earn stated dividend. Stated opening deposit is $0.00 in rate table ($5.00/$25.00 in disclosures). |
Money Market Shares
1.75%APY
Limit of 6 withdrawals per month. Dividends paid monthly. Rates are variable and may change at any time after account opening. Fees may reduce earnings.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,500Minimum balance to earn APY: $0.01. Balance tier: Less than $2,500. Dividends paid monthly. | 0.05% | — | Minimum balance to earn APY: $0.01. Balance tier: Less than $2,500. Dividends paid monthly. |
| $2,500 – $9,999Minimum balance to earn APY: $2,500.00. Dividends paid monthly. | 1.50% | — | Minimum balance to earn APY: $2,500.00. Dividends paid monthly. |
| $10,000 – $49,999Minimum balance to earn APY: $10,000.00. Dividends paid monthly. | 1.75% | $175 | Minimum balance to earn APY: $10,000.00. Dividends paid monthly. |
| $50,000 and upMinimum balance to earn APY: $50,000.00. Dividends paid monthly. | 2.00% | — | Minimum balance to earn APY: $50,000.00. Dividends paid monthly. |
Regular & Aux Shares
0.05%APY
Dividends paid monthly. Variable rate may change after account opening. Credit union membership required. $25 minimum balance to open and maintain account.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and up$100.00 minimum balance required to earn the stated dividend/APY. Dividend rate is 0.05%, compounded/paid monthly. $25 minimum opening deposit.$100 and up | 0.05% | $5 | $100.00 minimum balance required to earn the stated dividend/APY. Dividend rate is 0.05%, compounded/paid monthly. $25 minimum opening deposit. |
Special-purpose accounts
IRA Shares
0.15%APY
Traditional and Roth IRA savings accounts available. Dividends paid monthly. Rates are variable and may change after account opening.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0$0.01 minimum balance to earn APY. Dividend rate is 0.15%, compounded/paid monthly. $1,000 required opening deposit.Over $0 | 0.15% | $15 | $0.01 minimum balance to earn APY. Dividend rate is 0.15%, compounded/paid monthly. $1,000 required opening deposit. |
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.