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Freedom Credit Union


Banking needs for all stages of life.

Share Savings

At Freedom Credit Union, you’re a member AND an owner. Your Primary Share Savings is the core of your membership with the credit union. The $5 minimum balance requirement provides the foundation for building a strong financial structure for Freedom and all its members, while establishing your member-ownership! All balances receive a competitive yield.

         Join NOW RATES & DISCLOSURES  fee schedule


Club Accounts

Do you need to save but have trouble remembering or forcing yourself to? Maybe you need money for the holidays or that dream vacation. Club Accounts are savings accounts designed to encourage savings while making it as easy as possible!

You choose an amount to set aside, a term to save, and a transfer frequency – and we’ll handle the rest.

Challenge yourself to save today. Freedom offers Holiday Club and Vacation Club accounts.

         Open NOW Rates & Disclosures  fee schedule


Checking Accounts

NOW Checking Account

Tired of all those fees that appear out of nowhere, having to check your balance all the time, or count your debit card swipes? Freedom offers members a FREE checking account with no stipulations – AND it pays a competitive yield on eligible balances! Just another way we put you – our members – first.

NOW Account benefits include:

  • $5 minimum to open the account
  • Mobile Wallets (Apple Pay, Google Pay, and Masterpass)
  • FREE access to ATMs through the SUM and Allpoint Networks
  • FREE personalized checks
  • FREE debit card
  • FREE mobile banking, online banking, and online bill pay

Effective April 1, 2019, members with NOW checking accounts that meet certain account requirements will earn rewards!  These requirements include:

  • Direct Deposit of at least $500 each month
  • A minimum of 10 point-of-sale (POS) transactions each month
  • Enrollment in eStatements

If these requirements are met on a monthly basis, the rewards earned will include:

  • Reimbursement of ATM surcharge fees, up to $15 each month
  • 1% cash back on debit card purchases

         Open NOW Rates & Disclosures Find an ATM Fee schedule


Forever Freedom Checking Account

This checking account is specifically for college students and is available to any student (full-time or part-time) attending a college or university in Franklin, Hampden, Hampshire, or Berkshire County. We know that college students don’t necessarily have a steady income so that’s why we created this account.

It has all the benefits of the NOW account, plus:

  • No monthly maintenance fee
  • ATM fees reimbursed up to $15/month for ATM charges from other financial institutions
  • Free “Forgive-a-Pay” twice per calendar year
  • No expiration date so it will not convert to a different account after graduation

         Open NOW Rates & Disclosures Find An ATM Fee schedule


Freedom NOW Checking Account

Need a top-of-the-line account that yields higher dividends for higher balances, while still giving you pure liquidity? The Freedom NOW Account was designed with you in mind!

The Freedom NOW has ALL the benefits of the NOW Account, plus:

  • Higher-yield dividend for higher balances
  • ACH Payment option

Requirements to avoid monthly fee:

  • $2,500 minimum balance
  • Direct Deposit of pay check or pension
  • Two debit card transactions per monthly statement cycle

         Open NOW Rates & Disclosures Find aN ATM Fee schedule


Member Privilege

Even when balancing a checkbook, we’ve all experienced times of uncertainty and unexpected happenings – sometimes, it’s life. For that added security, Freedom offers an overdraft service to qualifying members who maintain a checking account in good standing. 

Member Privilege is accessible through teller transactions, written checks, ACH automatic payments, ATM transactions, and debit transactions. As of July 1, 2010, ATM and debit transactions must be authorized by a member through a written request in a branch.

Please call (800) 821-0160 or visit your local branch for additional information to find out how you can begin Member Privilege today! Your credit union is here for you.


Money Market Accounts

Not everything in life is black or white, and your Savings options don’t have to be either. Freedom’s Money Market accounts offer higher yields while still providing you that much-needed liquidity to make withdrawals. With only $2,000 minimum balance to open and tiered interest rates, Freedom offers its Money Market Account as the perfect solution. 

         Open NOW Rates & Disclosures fee schedule



With everything moving to a digital world it may be a hassle to get Compact Discs, but getting a Certificate at your credit union is guaranteed hassle-free. Freedom offers a variety of options for you to invest as little as $500 for terms ranging from 6 to 60 months. With competitive rates and the flexibility to withdraw interest monthly, your credit union is prepared to help you save with security!

Freedom also offers IRA Certificates.

         Open NOW Rates & Disclosures fee schedule



Traditional IRA Savings
A Traditional IRA may be your best option if your goal is a tax deduction now or you expect to pay taxes at a significantly lower rate in retirement. Ability to setup automatic distributions to your Traditional IRA is available.

Roth IRA Savings
If you’re looking for more flexibility and a tax break on future withdrawals, a Roth IRA may be your best option.

Traditional IRA and Roth IRA Certificates
Freedom offers the ability to use Certificates as part of your IRA account. Invest $500 or more for terms ranging from 6 months to 60 months, and earn a competitive yield.

         Rates & Disclosures fee schedule