Freedom Credit Union CD & Share Certificate Rates — October 2026
As of October 23, 2026, Freedom Credit Union's highest tracked CD (share certificate) rate is 4.28% APY on a 24-month CD ($500 minimum). That is 2.8 times the FDIC national average for 24-month CDs (1.55%). Standard CD rates range from 3.81% to 4.28% APY.
Tracking began .
Freedom Credit Union CD & share certificate rates
Membership required. Regular certificates require $500; eligible youth certificates have a $250 minimum. Membership is limited to the eligible Pennsylvania counties listed by the credit union. Early withdrawal penalties may apply.
APY = annual percentage yield. "vs. Treasury" compares each APY with the Treasury yield for the same term on 2026-10-22 (converted to APY). Treasury interest is exempt from state income tax; see the T-bill vs. CD calculator.
What are Freedom Credit Union's best CD rates by term?
Freedom Credit Union's best rate is 4.28% APY on 24 months, verified October 23, 2026.
- 6 mo4.12%
- 12 mo4.17%
- 18 mo4.22%
- 24 mo4.28%
- 30 mo3.81%
- 36 mo3.81%
- 48 mo3.81%
- 60 mo3.81%
How much interest could a Freedom Credit Union CD earn?
Estimated interest at maturity for the displayed institution quotes, before tax or early withdrawal penalties. Each estimate assumes the quoted APY applies to that balance and interest stays deposited. Estimates use known deposit tiers. Upper balance limits and membership, relationship or new-money requirements must be confirmed with the institution; these are conditional estimates, not personalized offers.
$874.32 interest · $10,874.32 at maturity on $10,000.00.
4.28% APY · 24 months · Certificate of Deposit · Standard · verified October 23, 2026.
Before tax; interest remains deposited. Confirm all product conditions. Estimate one-year purchasing power.
| Term | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|
| 6 months | $102.244.12% APY · Certificate of Deposit · Standard | $204.494.12% APY · Certificate of Deposit · Standard | $511.214.12% APY · Certificate of Deposit · Standard | $1,022.434.12% APY · Certificate of Deposit · Standard |
| 12 months | $208.504.17% APY · Certificate of Deposit · Standard | $417.004.17% APY · Certificate of Deposit · Standard | $1,042.504.17% APY · Certificate of Deposit · Standard | $2,085.004.17% APY · Certificate of Deposit · Standard |
| 18 months | $320.124.22% APY · Certificate of Deposit · Standard | $640.234.22% APY · Certificate of Deposit · Standard | $1,600.594.22% APY · Certificate of Deposit · Standard | $3,201.174.22% APY · Certificate of Deposit · Standard |
| 24 months | $437.164.28% APY · Certificate of Deposit · Standard | $874.324.28% APY · Certificate of Deposit · Standard | $2,185.804.28% APY · Certificate of Deposit · Standard | $4,371.594.28% APY · Certificate of Deposit · Standard |
| 30 months | $490.233.81% APY · Certificate of Deposit · Standard | $980.453.81% APY · Certificate of Deposit · Standard | $2,451.133.81% APY · Certificate of Deposit · Standard | $4,902.263.81% APY · Certificate of Deposit · Standard |
| 36 months | $593.553.81% APY · Certificate of Deposit · Standard | $1,187.103.81% APY · Certificate of Deposit · Standard | $2,967.753.81% APY · Certificate of Deposit · Standard | $5,935.513.81% APY · Certificate of Deposit · Standard |
| 48 months | $806.663.81% APY · Certificate of Deposit · Standard | $1,613.333.81% APY · Certificate of Deposit · Standard | $4,033.323.81% APY · Certificate of Deposit · Standard | $8,066.653.81% APY · Certificate of Deposit · Standard |
| 60 months | $1,027.903.81% APY · Certificate of Deposit · Standard | $2,055.803.81% APY · Certificate of Deposit · Standard | $5,139.493.81% APY · Certificate of Deposit · Standard | $10,278.993.81% APY · Certificate of Deposit · Standard |
How Freedom Credit Union compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 730-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 41 of 432 tracked institutions with fresh 730-day quotes (ties share a rank). Each other institution contributes its highest APY for that exact term; minimums and eligibility can differ.
| Institution / benchmark | Term | Minimum | Who can open | APY | Verified / source date |
|---|---|---|---|---|---|
| Freedom Credit Union (this institution)Certificate of Deposit · Standard | 24 months | $500 | Membership required · branches in PA | 4.28% | October 23, 2026 |
| E*TRADE (Morgan Stanley Private Bank)Bank CD · Promotional | 24 months | Not stated | Available nationwide | 4.80% | October 22, 2026 |
| Popular DirectCD · Standard | 24 months | $10,000 | Available nationwide | 4.80% | October 22, 2026 |
| BarclaysOnline CD · Standard | 24 months | Not stated | Available nationwide | 4.75% | October 22, 2026 |
| Tower Federal Credit Union (highest tracked APY for this term)Regular Share Certificate · Standard | 24 months | $500 | Membership required · branches in MD | 5.20% | October 22, 2026 |
| Treasury (APY-equivalent) | 24 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.70% | 2026-10-22 |
CD rate history
Tracking since October 2026. Each product, term, minimum deposit and location is tracked separately. Charts appear after 30 observed days per quote; missing days are not filled. Showing up to the latest year of observations.
Not enough daily observations yet. A chart will appear automatically once a quote has 30 observed days.
Rate changes
See changes across all tracked institutions
No changes since we started tracking Freedom Credit Union on October 23, 2026.
About Freedom Credit Union
- Legal name
- Freedom Credit Union
- Regulator ID
- NCUA 60275
- Headquarters
- Warminster, PA
- Available in
- PA
- Total assets
- $1.5 billion
- Also known as
- Website
- www.freedomcu.org
Source: rates read from https://freedomcu.org/accounts/cd/. See the page text we read.
Frequently asked questions
What is the highest CD rate at Freedom Credit Union?
Among the rates we track, 4.28% APY on a 24-month CD, as of October 23, 2026.
What is the minimum deposit for a Freedom Credit Union CD?
The lowest minimum we found is $250; jumbo and higher balance tiers start at up to $500.
How does Freedom Credit Union's best CD rate compare with Treasury yields?
4.28% APY is −0.42% versus the 24-month Treasury yield of 4.70% (APY-equivalent) on 2026-10-22. Treasury interest is also exempt from state income tax.
Is 4.28% a good CD rate?
It is 2.8 times the FDIC national average for a similar term (1.55% as of 2026-10-19), which is a deposit-weighted average across all U.S. banks and credit unions. Online banks and promotional CDs often pay several times the national average.
Are Freedom Credit Union CDs insured?
Freedom Credit Union is a federally insured credit union (NCUA 60275). Share certificates are insured by the NCUA up to $250,000 per member, per ownership category.
What is a share certificate at Freedom Credit Union?
A share certificate is the credit union equivalent of a bank CD: a term deposit that pays a stated yield when its conditions are met. Membership requirements, minimum deposits and early withdrawal terms depend on the credit union and product.
How often is this page updated?
We check Freedom Credit Union's rate page every day. The rates above were last verified on October 23, 2026.
More credit union certificate rates
Rates are copied from Freedom Credit Union's website and may change at any time. Confirm terms, minimums and eligibility with Freedom Credit Union before opening an account. This page is not financial advice.