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Eligibility / FAQ

Wondering about your eligibility for membership?

Freedom Credit Union membership is open to anyone who lives, works or attends school in Hampden, Hampshire, Franklin or Berkshire counties in Massachusetts, and Hartford or Tolland counties in Connecticut.

Membership requires only a $5 deposit into a Share Savings Account. As long you have an open Share Savings Account, you are a member for life—even if you move away from the area.

Once you become a member, your entire family is eligible to join, regardless of where they live or work.

There is no minimum age for membership. Ask a Member Service Representative about Youth Accounts. It’s never too soon to start saving money!

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Loan Decisions for Members

Membership does not guarantee that you will qualify for a loan. We look at every loan application, so you will always be treated as an individual, not a number on a credit report. If you have extenuating circumstances, let us know. We work with our members to give them the loans they need and help them establish good borrowing habits.