# Freedom Credit Union CD and share certificate rates

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.

Canonical page: https://apyledger.com/cd-rates/freedom-credit-union
Institution: Freedom Credit Union (NCUA 60275)
Aliases: 
Status: live
Last verified: 2026-10-23T11:33:19.000Z (October 23, 2026)
Official source: https://freedomcu.org/accounts/cd/
Coverage: 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.
Treasury comparison date: 2026-10-22. Premiums are percentage points versus the same-term APY-equivalent Treasury yield.

| Product | Kind | Term | Minimum deposit | APY | Quoted location | vs. Treasury | Verified (UTC) | Source snapshot |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Youth Certificate of Deposit | special | 6 months | $250 | 4.12% | Not ZIP-priced | −0.22% | 2026-10-23T11:33:19.000Z | [Snapshot 1029](https://apyledger.com/snapshots/1029) |
| Certificate of Deposit | standard | 6 months | $500 | 4.12% | Not ZIP-priced | −0.22% | 2026-10-23T11:33:19.000Z | [Snapshot 1029](https://apyledger.com/snapshots/1029) |
| Youth Certificate of Deposit | special | 12 months | $250 | 4.17% | Not ZIP-priced | −0.29% | 2026-10-23T11:33:19.000Z | [Snapshot 1029](https://apyledger.com/snapshots/1029) |
| Certificate of Deposit | standard | 12 months | $500 | 4.17% | Not ZIP-priced | −0.29% | 2026-10-23T11:33:19.000Z | [Snapshot 1029](https://apyledger.com/snapshots/1029) |
| Youth Certificate of Deposit | special | 18 months | $250 | 4.22% | Not ZIP-priced | −0.36% | 2026-10-23T11:33:19.000Z | [Snapshot 1029](https://apyledger.com/snapshots/1029) |
| Certificate of Deposit | standard | 18 months | $500 | 4.22% | Not ZIP-priced | −0.36% | 2026-10-23T11:33:19.000Z | [Snapshot 1029](https://apyledger.com/snapshots/1029) |
| Youth Certificate of Deposit | special | 24 months | $250 | 4.28% | Not ZIP-priced | −0.42% | 2026-10-23T11:33:19.000Z | [Snapshot 1029](https://apyledger.com/snapshots/1029) |
| Certificate of Deposit | standard | 24 months | $500 | 4.28% | Not ZIP-priced | −0.42% | 2026-10-23T11:33:19.000Z | [Snapshot 1029](https://apyledger.com/snapshots/1029) |
| Youth Certificate of Deposit | special | 30 months | $250 | 3.81% | Not ZIP-priced | −0.93% | 2026-10-23T11:33:19.000Z | [Snapshot 1029](https://apyledger.com/snapshots/1029) |
| Certificate of Deposit | standard | 30 months | $500 | 3.81% | Not ZIP-priced | −0.93% | 2026-10-23T11:33:19.000Z | [Snapshot 1029](https://apyledger.com/snapshots/1029) |
| Youth Certificate of Deposit | special | 36 months | $250 | 3.81% | Not ZIP-priced | −0.97% | 2026-10-23T11:33:19.000Z | [Snapshot 1029](https://apyledger.com/snapshots/1029) |
| Certificate of Deposit | standard | 36 months | $500 | 3.81% | Not ZIP-priced | −0.97% | 2026-10-23T11:33:19.000Z | [Snapshot 1029](https://apyledger.com/snapshots/1029) |
| Youth Certificate of Deposit | special | 48 months | $250 | 3.81% | Not ZIP-priced | −1.00% | 2026-10-23T11:33:19.000Z | [Snapshot 1029](https://apyledger.com/snapshots/1029) |
| Certificate of Deposit | standard | 48 months | $500 | 3.81% | Not ZIP-priced | −1.00% | 2026-10-23T11:33:19.000Z | [Snapshot 1029](https://apyledger.com/snapshots/1029) |
| Youth Certificate of Deposit | special | 60 months | $250 | 3.81% | Not ZIP-priced | −1.03% | 2026-10-23T11:33:19.000Z | [Snapshot 1029](https://apyledger.com/snapshots/1029) |
| Certificate of Deposit | standard | 60 months | $500 | 3.81% | Not ZIP-priced | −1.03% | 2026-10-23T11:33:19.000Z | [Snapshot 1029](https://apyledger.com/snapshots/1029) |

Rates and eligibility can change. ZIP-specific quotes must not be treated as statewide or nationwide offers. Confirm terms with the institution before opening an account. This is not financial advice.