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Freedom Credit Union


The Credit Union Difference

How is a credit union different from a bank?

A credit union is a cooperative financial institution owned by its depositors. As a not-for-profit organization, Freedom Credit Union returns its profits to its members in the form of high rates on deposit accounts, low rates on loans, and low or no fees for its services.

Whether you're headed to college or about to retire, whatever stage of life you are in, we are ready to help you with your finances, your savings, and your financial planning. Looking to buy a car or build a nest egg? Freedom Credit Union is committed to making your money work for you.

And, as a credit union member, you have a say in how the credit union is run: You can vote for Board of Directors at the Annual Meeting held every April and even run for a position on the Board*.

That's the credit union difference!

*Credit Union membership required by opening a $5 share savings account.

Come grow with us!

What’s your idea of freedom? Here at Freedom Credit Union, it’s about treating every member as an individual, not a number. It’s a cooperative spirit, rather than a corporate one—with products, programs and perks that benefit you. In short, our idea of freedom is supporting yours! 

Freedom Credit Union membership is open to anyone who lives, works or attends school in Hampden, Hampshire, Franklin or Berkshire Counties. If that includes you, come and join us today! As a member, you’ll enjoy:

The Freedom of Convenience

  • 10 branches throughout western Massachusetts
  • Surcharge-free ATM access at over 55,000 retail locations across the globe, through the Allpoint® Network 
  • Mobile app 
  • Online banking & e-statements
  • Electronic bill pay
  • Competitive rates on a comprehensive range of products
  • Popmoney® – personal payment service app
  • Remote Deposit Capture (RDC) for 24/7 check processing
  • Consumer credit card rewards programs available
  • No cost consultation with a certified financial planner

Unbeatable Loan Benefits 

Vehicle, Personal & Home Improvement Loans

  • .25% rate decrease on vehicle, personal and home improvement loans with autopay from a Freedom checking account
  • 24/7 loan application, online or by phone, with immediate decision

Home Equity 

  • .25% rate decrease on home equity loans with autopay from a Freedom checking account
  • $175 credit for closing costs on home equity lines of credit with autopay from a Freedom checking account
  • Up to 100% loan-to-value (LTV) financing for home equity products


  • $200 credit for mortgage closing costs with autopay from a Freedom checking account
  • Online pre-qualification in 20 minutes

If you’re ready for a financial institution that finally fits, we invite you to discover the credit union difference. There’s never been a better time to make Freedom yours.