Freedom has a variety of share or IRA certificate options to help you meet your savings goals. Share certificates earn you a higher rate of return for as little as $300 and as short a term as six months. Go to our rates page for a full listing of certificate options.

52-Week Share and IRA Certificate Special1,2

  • 1.65% APY*
  • 52-Week Term
  • $300 minimum deposit

25-Month Share and IRA Certificate Special1,2,3

  • 2.25% APY!*
  • 25-Month Term
  • $300 minimum deposit

55-Month Share and IRA Certificate Special1,2,4

  • 2.85% APY!*
  • 55-Month Term
  • $300 minimum deposit

Request for information/application for a Certificate Special


FeaturesRegular Share CertificatesSpecial Share Certificates Jumbo Share Certificates
Minimum balance to earn dividends$300$300$50,000
BenefitsHigher rates of returnLimited time offerings with special rates
Higher rate of return
For large sums, larger rate of return
Qualifications Penalty imposed for early withdrawal
Fees could reduce earnings
Penalty imposed for early withdrawal
Special renewal terms
Fees could reduce earnings
Penalty imposed for early withdrawal
Fees could reduce earnings


* APY is Annual Percentage Yield. External Savings Rate Effective 6-26-18 and are subject to change. Limited time offer.

1 Fees could reduce earnings on the account

2 A penalty will be imposed for early withdrawal that could reduce earnings

3 Upon maturity a Special 25-Month Certificate renews to a 24-Month Regular Share or IRA Certificate.

4 Upon maturity a Special 55-Month Certificate renews to a 48-Month Regular Share or IRA Certificate.

All accounts insured by the National Credit Union Administration (NCUA). The National Credit Union Share Insurance Fund (NCUSIF) protects aggregate savings up to at least $250,000 in your regular Share Savings, Certificates, Checking, and Coverdell ESA accounts.