money growing from ground

Certificates and IRAs

In addition to savings accounts, we offer other ways to grow your savings with our certificates and IRAs.


Getting a savings certificate at Freedom 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, certificates help you save with security.

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Whether you want to retire at 55 or much later, it’s never too early or too late to save for retirement. Freedom offers multiple IRA options, all of which provide the peace of mind that they are fully insured and offer a great rate of return.*

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. For your convenience, we offer the ability to set up automatic deposits to and distributions from your traditional IRA.

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.

*Consult your tax advisor for specific or detailed advice.

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Chicopee Branch Update

Our Chicopee Branch will reopen with limited staff and drive-up access only Wed., Oct. 28th – Sat., Oct. 31st. Members needing branch access should make an appointment at a different location. We intend to return to full branch operation on Mon., Nov. 2nd.