--- title: "Freedom Credit Union Rates - Massachusetts" description: "Current heloc rates from Freedom Credit Union in Massachusetts. Updated daily with source verification. See who can join Freedom Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/massachusetts/freedom" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Freedom Credit Union Rates - Massachusetts ### HELOC rates 1 offer | Product | Published | Rate | Term / condition | Status | | **HELOC (80% CLTV)** heloc_variable | — APR | 5.990% | — | Standard | Freedom Credit Union heloc rates as of November 13, 2026 Freedom Credit Union is a credit union in Massachusetts. Rate data is being verified. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/massachusetts/freedom) , verified from [Freedom Credit Union's official website](https://freedom.coop/) Loading branch locator… ## About Freedom Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 31.7K Assets $757.4M Founded 1986 Locations reported 10 NCUA charter 66824 Charter type Federally insured state-chartered credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Mobile payments - Financial counseling - Financial education - First-time homebuyer program - Bilingual services - Student scholarships Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Umassfive College** Mercy Medical Center Branch · Springfield · MA · 01104-2377 About 0.9 miles away](https://rateapi.dev/credit-unions/massachusetts/umassfive-college) [**Brightbridge** West Springfield · West Springfield · MA · 01089-3303 About 1.4 miles away](https://rateapi.dev/credit-unions/massachusetts/brightbridge) [**Pioneer Valley** Baystate Branch · Springfield · MA · 01107 About 1.7 miles away](https://rateapi.dev/credit-unions/massachusetts/pioneer-valley) [**Holyoke** West Springfield Office · West Springfield · MA · 01089-2704 About 1.9 miles away](https://rateapi.dev/credit-unions/massachusetts/holyoke) [**Massmutual** MassMutual FCU · Springfield · MA · 01111 About 2.4 miles away](https://rateapi.dev/credit-unions/massachusetts/massmutual) [**Polish National** Front Street · Chicopee · MA · 01020-1723 About 3.3 miles away](https://rateapi.dev/credit-unions/massachusetts/polish-national) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Freedom Credit Union Membership eligibility from Freedom Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Freedom Credit Union's website. Check the membership page below to confirm whether you qualify. - Location hampden, hampshire, franklin, berkshire, hartford, tolland — MA, CT Verified from [Freedom Credit Union's membership page](https://freedom.coop/about-us/eligibility-faq/) . Final membership determination is always made by the credit union. ## Membership rules for Freedom Credit Union Geography 6 counties · Family 19 published paths to membership, last verified October 11, 2026, quoted from Freedom Credit Union’s own published criteria. ### Geography 6 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified October 11, 2026 - Berkshire County, MA - Franklin County, MA - Hampden County, MA - Hampshire County, MA - Hartford County, CT - Tolland County, CT “Freedom Credit Union membership is open to anyone who lives, works or attends school in Hampden, Hampshire, Franklin or Berkshire counties in Massachusetts, and Hartford or Tolland counties in Connecticut.” > [source ↗](https://freedom.coop/about-us/eligibility-faq/) ### Family 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified October 11, 2026 - Family of a member family “Once you become a member, your entire family is eligible to join, regardless of where they live or work.” > [source ↗](https://freedom.coop/about-us/eligibility-faq/) - Family member (family) of a member Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Freedom Credit Union? Yes No ## Work at Freedom Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Freedom Credit Union ranks against Massachusetts peers. - See which AI assistants fetched Freedom Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Massachusetts - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=freedom&state=massachusetts&code=MA&name=Freedom%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Freedom Credit Union offer? Freedom Credit Union currently offers HELOC rates. The rates shown on this page were last verified November 13, 2026 directly from the credit union's official website. ### How often are Freedom Credit Union rates updated? RateAPI verifies Freedom Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 13, 2026. ### Where does RateAPI get Freedom Credit Union's rate data? Rate data is collected directly from Freedom Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### Who can join Freedom Credit Union? Freedom Credit Union publishes its membership criteria on its own website. RateAPI tracks 19 published membership paths covering 6 counties for Freedom Credit Union, each quoted from Freedom Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Freedom Credit Union's rates against national credit-union benchmarks. [More Massachusetts credit unions](https://rateapi.dev/credit-unions/massachusetts) [Massachusetts HELOC rate leaders](https://rateapi.dev/heloc-rates/massachusetts) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://freedom.coop/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Freedom Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Massachusetts credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Freedom Credit Union curl "https://api.rateapi.dev/credit-unions/massachusetts /freedom " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Freedom Credit Union locations Search, filter, and browse all 10 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/massachusetts/freedom Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp