Credit union · NCUA insured
Freedom Federal Credit Union CD Rates
Top CarrotFreedom Federal Credit Union’s best CD rate is 3.80% APY on a 1-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How Freedom Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Baltimore, MD, where Freedom Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Freedom Federal Credit Union
3.80%APY
- Term
- 12 months
- Minimum
- $300
- Earns on $10,000
- $380
Regular Share Certificate
Top rate
Tower Federal Credit Union
5.20%APY
- Term
- 24 months
- Minimum
- $500
- Earns on $10,000
- $1,067
2nd-highest rate
POCU of Maryland
5.12%APY
- Term
- 9 months
- Minimum
- $500
- Earns on $10,000
- $382
Freedom Federal Credit Union CD score
85
CD score
Higher than 69% of U.S. banks and credit unions
- 3–8 months3–8 mo3.75%
- 9–15 months9–15 mo3.80%
- 16–30 months16–30 mo3.80%
- 31–60 months31–60 mo3.80%
- QualifiedQualified3.80%
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 Federal 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.
Jumbo Share Certificate
Up to 3.80%APY · 3 terms
Minimum opening deposit of $50,000. Early withdrawal penalty may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months52-Week SPECIAL; $50,000 minimum opening deposit | 3.80% | — |
| 25 months25-Month SPECIAL; $50,000 minimum opening deposit; upon maturity renews to 24 Jumbo Share and Jumbo IRA Certificate | 3.60% | — |
| 42 months42-Month SPECIAL; $50,000 minimum opening deposit; upon maturity renews to 36 month Jumbo Share and Jumbo IRA Certificate | 3.75% | — |
Special-purpose accounts
IRA Certificate
Up to 3.80%APY · 9 terms
Minimum opening deposit of $300 for all IRA accounts. Early withdrawal and IRS tax penalties may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months$300 minimum opening deposit | 3.75% | $186 |
| 12 months$300 minimum opening deposit | 3.80% | $380 |
| 18 months18-Month SPECIAL; upon maturity renews to a 52-Week Regular Share or IRA Certificate | 3.80% | $575 |
| 24 months$300 minimum opening deposit | 3.60% | $733 |
| 25 months25-Month SPECIAL; upon maturity renews to 24-Month Regular Share or IRA Certificate | 3.60% | $765 |
| 36 months$300 minimum opening deposit | 3.70% | $1,152 |
| 36 months36-Month Bump-Up; members have the option once during the term to elect in writing to receive the higher rate being offered on Bump-Up Share or IRA Certificates | 3.60% | $1,119 |
| 48 months$300 minimum opening deposit | 3.80% | $1,609 |
| 48 months48-Month Bump-Up; members have the option once during the term to elect in writing to receive the higher rate being offered on Bump-Up Share or IRA Certificates | 3.70% | $1,564 |
| 55 months55-Month SPECIAL; upon maturity renews to 48-Month Regular Share or IRA Certificate | 3.80% | $1,864 |
| 60 months$300 minimum opening deposit | 3.80% | $2,050 |
Sources (3)
All captured Oct 15, 2026
Jumbo IRA Certificate
Up to 3.80%APY · 3 terms
Minimum opening deposit of $50,000. Early withdrawal and IRS tax penalties may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months52-Week SPECIAL; $50,000 minimum opening deposit | 3.80% | — |
| 25 months25-Month SPECIAL; $50,000 minimum opening deposit; upon maturity renews to 24 Jumbo Share and Jumbo IRA Certificate | 3.60% | — |
| 42 months42-Month SPECIAL; $50,000 minimum opening deposit; upon maturity renews to 36 month Jumbo Share and Jumbo IRA Certificate | 3.75% | — |
Sources (3)
All captured Oct 15, 2026
Regular Share Certificate
Up to 3.80%APY · 9 terms
Minimum opening deposit of $300 for regular share accounts; $5 minimum deposit for youth club members under 18 years of age. Early withdrawal penalty may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months$300 minimum opening deposit ($5 for youth club members under 18) | 3.75% | $186 |
| 12 months$300 minimum opening deposit ($5 for youth club members under 18) | 3.80% | $380 |
| 18 months18-Month SPECIAL; upon maturity renews to a 52-Week Regular Share or IRA Certificate | 3.80% | $575 |
| 24 months$300 minimum opening deposit ($5 for youth club members under 18) | 3.60% | $733 |
| 25 months25-Month SPECIAL; upon maturity renews to 24 month Regular Share and IRA Certificate | 3.60% | $765 |
| 36 months$300 minimum opening deposit ($5 for youth club members under 18) | 3.70% | $1,152 |
| 36 months36-Month Bump-Up; members have the option once during the term to elect in writing to receive the higher rate being offered on Bump-Up Share or IRA Certificates | 3.60% | $1,119 |
| 48 months$300 minimum opening deposit ($5 for youth club members under 18) | 3.80% | $1,609 |
| 48 months48-Month Bump-Up; members have the option once during the term to elect in writing to receive the higher rate being offered on Bump-Up Share or IRA Certificates | 3.70% | $1,564 |
| 55 months55-Month SPECIAL; upon maturity renews to 48 month Regular Share and IRA Certificate | 3.80% | $1,864 |
| 60 months$300 minimum opening deposit ($5 for youth club members under 18) | 3.80% | $2,050 |
Who can join Freedom Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, worship, volunteer, or attend school in Baltimore City, Baltimore County, Carroll County, and Harford County are eligible for membership.
Employers and groups
- Businesses located in Baltimore City, Baltimore County, Carroll County, or Harford County are eligible for membership.
Family and household
- Families of individuals who live, work, worship, volunteer, or attend school in Baltimore City, Baltimore County, Carroll County, and Harford County are eligible for membership.
Cost to join
- Establish a business membership with a $1.00 deposit into a Business Savings Account.
Membership information collected October 4, 2026.