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Freedom Credit Union

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Freedom Credit Union Rates & Review June 2026

Q: How many branches does Freedom Credit Union operate?

Freedom Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is a member application needed to join Freedom Credit Union?

Yes, to access services at Freedom Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Q: Is there a first-time homebuyer program?

Currently, Freedom Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Freedom Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: June 19, 2026

You can compare Freedom Credit Union rates to other rates in our database, including 12-month share certificate rates currently at 2.02%, 6-month share certificate rates at 3.68% and 3-month share certificate rates at 0.20%. Savings rates are at 0.03% and money market rates are at 0.40%. Mortgage rates on 30-year fixed loans are around 6.00%. All these rates can be compared to Freedom Credit Union rates. MonitorBankRates evaluates the financial stability of Freedom Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.27%. Rates were last updated on 06/19/2026.

Freedom Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Freedom Credit Union? Share your experience about Freedom Credit Union by leaving a review below, or read customer reviews before you decide to use Freedom Credit Union.

Ranked #75 Healthiest Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.27%

Excellent Lower than avg

Freedom Credit Union
Main Office

815 N Freedom Blvd
Provo, UT 84604 3315

https://www.freedomcu.com

Current Rate Availability

We do not have Freedom Credit Union rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Freedom Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Freedom Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Freedom Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Freedom Credit Union

Website https://www.freedomcu.com

Address 815 N Freedom Blvd, Provo, UT 84604 3315

Phone 801-375-2120

Fax 801-377-0435

President Thomas Crabb

CEO Ken Payne

Full-Time Employees 10

Part-Time Employees 2

Branch Locations 2

ATM Locations 0

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (100/100)

Texas Ratio

0.27%

Return on Assets (ROA)

0.5466%

Return on Equity (ROE)

5.0648%

Non-Performing Loans Ratio (NPL)

0.04%

Total Assets

67,130,284

Total Amount of Shares and Deposits

59,315,488

Total Shares and Deposits < 1 Year

52,207,276

Total Shares and Deposits 1 3 Years

5,663,859

Total Shares and Deposits > 3 Years

1,444,354

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

2,478,306

Total Uninsured Shares and Deposits > $250K (F+J)

2,478,306

Total Insured Shares and Deposits > $250K (item 17 less item K)

56,837,182

Total Interest Expense (Sum of items 6 8)

941,301

Share Certificates

581

Number of Accounts for Share Drafts

2,640

IRA KEOGH Accounts

119

Number of Accounts for Regular Shares

5,199

Non Member Deposits

Money Market Shares

145

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

4,003,420

Total Liabilities

59,882,115

Source: NCUA — Last Updated 09/30/2025

2026 MBR Health & Safety Badge

Freedom Credit Union earned the Top 100 Healthiest badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

<a href="https://www.monitorbankrates.com/credit-unions/freedom-credit-union-rates-review-67129">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-s-2026.svg"
       alt="Ranked #75 in MonitorBankRates Top 100 Healthiest Small Credit Unions 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page, or view the full Top 100 Healthiest Small Credit Unions 2026 ranking.

Customer Reviews

There are no reviews for Freedom Credit Union yet. Feel free to create one below.

Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.

Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Freedom Credit Union

How many branches does Freedom Credit Union operate?

Freedom Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Freedom Credit Union?

Yes, to access services at Freedom Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Freedom Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Freedom Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Freedom Credit Union offer online and mobile banking?

Most modern institutions like Freedom Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.freedomcu.com.