Credit union · NCUA insured
Freedom United FCU
A $94.8M credit union headquartered in Rochester, PA, with 6,838 members and 3 branches in Pennsylvania. Best rates: savings 0.20% APY.
Freedom United FCU Carrot Score
73
Carrot Score
Higher than 34% of U.S. banks and credit unions
#60 of 100 in Pittsburgh, PA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Freedom United FCU
Freedom United FCU was chartered on October 14, 1939 by employees of the Freedom Oil Company in Freedom, Pennsylvania.
Formerly known as Freedom Oil Company Credit Union until renaming in January 1987, the institution operates as a member-owned non-profit financial organization.
The credit union operates branch locations in Rochester, Zelienople, and Center Township.
- Headquarters
- 283 Adams St, Rochester, PA 15074-2143
- NCUA charter
- 3487
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.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 individuals who live, work, worship, or attend school in Freedom, Rochester, New Sewickley, Monaca, or New Brighton, PA.
Employers and groups
- Membership is open to employees and members of qualifying sponsor groups and organizations.
Family and household
- Membership is open to individuals related to any existing credit union members.
Branches
3 branches in Pennsylvania
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Pennsylvania
3 branches
- Freedom United FcuMain office283 Adams St, Rochester, PA 15074Directions
- Freedom United Fcu115 Perry Hwy Ste 176, Harmony, PA 16037Directions
- Freedom United Fcu3589 Brodhead Rd, Monaca, PA 15061Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 18.97% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.84% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 2.34% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $33 | $59 | — |
- CapitalNet worth ratio18.97%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.84%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets2.34%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$33Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Freedom United FCU are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.