Freedom is an NCUA insured institution located in Springfield, MA. It was founded in 1986 and has approximately $751.8 millions in assets.
Who Can Join Freedom Credit Union?
You are eligible for membership if you live or work in Hampden, Hampshire, Franklin or Berkshire counties.
You are also eligible to join if you are an immediate relative of a Freedom Credit Union member.
| NCUA Insured | Yes / State-Chartered |
| Charter Number # | # 66824 |
| Date Established | 1986 |
| Assets | $751.80 million |
| Loans | $526.37 million |
| Deposits | $595.56 million |
| Capital | $106.76 million |
Your Current Location: New York, NY 10116
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| SAV
|
0.05% | $5 | - |
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|
|
Money Market
|
0.20% | $5 | $24,999 |
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|
|
Money Market
|
1.75% | $25,000 | $49,999 |
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|
|
Money Market
|
2.00% | $50,000 | $99,999 |
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|
|
Money Market
|
2.65% | $100,000 | $499,999 |
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|
|
Money Market
|
3.15% | $500,000 | - |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
3.00% | $500 | - |
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|
| 9 MONTH
|
1.00% | $500 | - |
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|
| 12 Mo CD
|
3.45% | $500 | - |
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|
| 18 Mo CD
|
3.45% | $500 | - |
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|
| 24 Mo CD
|
3.95% | $500 | - |
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|
| 36 Mo CD
|
4.05% | $500 | - |
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|
| 48 Mo CD
|
3.75% | $500 | - |
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|
| 60 Mo CD
|
3.90% | $500 | - |
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|
| Variable IRA Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| VIRA
|
0.15% | $5 | - | Learn More |
| Int Checking Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| INTCK
|
0.05% | $5 | - | Learn More |
Your Current Location: New York, NY 10116
There are currently no loan rates available for Freedom
Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:
Note to Freedom
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Below are Freedom branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.
Your Location:
New York City,New York
| Branch | Distance | Map | View Lobby Hours |
|---|---|---|---|
| 117.83 | A | View Lobby Hours | |
| 121.81 | B | View Lobby Hours | |
| 124.13 | C | View Lobby Hours | |
| 124.56 | D | View Lobby Hours | |
| 127.12 | E | View Lobby Hours | |
| 128.43 | F | View Lobby Hours | |
| 130.04 | G | View Lobby Hours | |
| 133.28 | H | View Lobby Hours | |
| 149.29 | I | View Lobby Hours | |
| 150.18 | J | View Lobby Hours |
FREEDOM is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
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The following ratios and data are available to help you better understand the financial condition of Freedom. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.
| Freedom | U.S. Average |
|---|---|
| 2.23% | 6.78 |
The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.
As of December 31, 2025, Freedom had $2,307,286 in non-current loans and $143,604 in owned assets. To cover these potential losses it had $106,756,296 in net worth and $2,947,353 in loans loss reserves. That gives it a Texas Ratio of 2.23%.
| Freedom | U.S. Average |
|---|---|
| 14.2% | 14.48% |
Freedom FCU has a net worth of 14.2% versus the BestCashCow average of 14.48. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
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Last Update on September 17, 2026
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