Freedom rates: up to 4.25% APY
credit union · NCUA CHARTER 66824 · www.freedom.coop/
Savings
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Club Accounts | 0.05% | APY | 2026-11-01 | since 2026-11-01 | ||
| Savings Account | 0.15% | APY | 2026-11-01 | since 2026-11-01 | ||
| Share (Savings Account) | 0.05% | APY | 2026-11-01 | since 2026-11-01 |
CDs
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| 6-Month CD | 6 Month | 3.00% | APY | 2026-11-01 | since 2026-11-01 | |
| 7-Month CD | 7 Month | 4.00% | APY | 2026-11-01 | since 2026-11-01 | |
| 9-Month CD | 9 Month | 1.00% | APY | 2026-11-01 | since 2026-11-01 | |
| 1-Year CD | 12 Month | 3.45% | APY | 2026-11-01 | since 2026-11-01 | |
| 15-Month CD | 15 Month | 4.15% | APY | 2026-11-01 | since 2026-11-01 | |
| 18-Month CD | 18 Month | 3.45% | APY | 2026-11-01 | since 2026-11-01 | |
| 2-Year CD | 24 Month | 3.95% | APY | 2026-11-01 | since 2026-11-01 | |
| 30-Month CD | 30 Month | 4.25% | APY | 2026-11-01 | since 2026-11-01 | |
| 3-Year CD | 36 Month | 4.05% | APY | 2026-11-01 | since 2026-11-01 | |
| 4-Year CD | 48 Month | 3.75% | APY | 2026-11-01 | since 2026-11-01 | |
| 5-Year CD | 60 Month | 3.90% | APY | 2026-11-01 | since 2026-11-01 |
Money market
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Money Market Account | $5–$24,999.99 | 0.20% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Account | $25,000–$49,999.99 | 0.25% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Account | $50,000–$74,999.99 | 0.30% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Account | $75,000 and above | 0.35% | APY | 2026-11-01 | since 2026-11-01 | |
| PREMIUM Money Market | $0–$4,999.99 | 0.00% | APY | 2026-11-01 | since 2026-11-01 | |
| PREMIUM Money Market | $5,000–$24,999.99 | 1.45% | APY | 2026-11-01 | since 2026-11-01 | |
| PREMIUM Money Market | $25,000–$49,999.99 | 1.75% | APY | 2026-11-01 | since 2026-11-01 | |
| PREMIUM Money Market | $50,000–$99,999.99 | 2.00% | APY | 2026-11-01 | since 2026-11-01 | |
| PREMIUM Money Market | $100,000–$499,999.99 | 2.65% | APY | 2026-11-01 | since 2026-11-01 | |
| PREMIUM Money Market | $500,000–$999,999.99 | 3.15% | APY | 2026-11-01 | since 2026-11-01 | |
| PREMIUM Money Market | $1,000,000 – $999,999,999.99 | 3.15% | APY | 2026-11-01 | since 2026-11-01 |
Checking
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Essential Checking | 0.05% | APY | 2026-11-01 | since 2026-11-01 |
Sources and evidence
| Page | Last captured | Last result | Digest |
|---|---|---|---|
| www.freedom.coop/rates/certificate-savings-and-ira/ | 2026-11-02 00:43 UTC | ok | 2a857c3517a1 |
| www.freedom.coop/7-15-month-certificate-special/ | — | extract-failed | |
| www.freedom.coop/rates/ | 2026-11-02 00:43 UTC | ok | f97dc4d66889 |