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Freedom United Credit Union Share
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Overview Share
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Freedom United Credit Union is a federal credit union based in Rochester, Pennsylvania. It has been opened since 1939, for 83 years.

With around $61,800,000 in assets, Freedom United Credit Union is considered to be a large credit union. It has 3 branches and 2 ATM locations.

About Share
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Address 283 Adams Street
Rochester, Pennsylvania 15074
Website http://FREEDOMUNITEDFCU.COM
Phone (724) 774-5575
Fax (724) 774-6750
CEO Jeffrey B. Smith
President of the Board Andrew Dengel
Services Offered
Score Card Share
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83 years
Years in business
Opened in 1939
Well Capitalized
Net worth classification
Source: NCUA
7,209 members
Membership type: Multiple common bond – primary petroleum refining
Above average number of members
481:1
Credit union member to staff ratio
481 per each FTE employee
Compared to 411:1 nationally
Fewer staff
$61,799,796
Total assets
Above average
3 branches
Compared with an average of 4 nationally and 3 in Pennsylvania
Above average number of branches
0.15%
Savings interest rate
Compared to 0.3% nationally
9.50%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
Branches Share
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3 branches
Compared with an average of 4 nationally and 3 in Pennsylvania
Above average number of branches
Freedom United Credit Union Branch Locations

Freedom United Federal Credit Union
9 Northgate Plz
Harmony, Pennsylvania 16037
ATM Available
Freedom United Federal Credit Union
283 Adams Street
Rochester, Pennsylvania 15074
ATM Available
Freedom United Federal Credit Union
3589 Brodhead Road
Monaca, Pennsylvania 15061
No ATM
Members Share
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7,209 members
Membership type: Multiple common bond – primary petroleum refining
Above average number of members

With 7,209 members, the Freedom United Credit Union is considered to be a large credit union. It is larger than 64% of credit unions.

Fees Share
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$15
Average fee per member
The average fee per member at the Freedom United Credit Union is $15, which is low compared to most credit unions. This rate is lower than 77% of all credit unions.
Fees are lower than average

Credit unions, like banks, charge members various fees, such as overdraft fees, ATM fees, credit card fees, inactivity or dormat account fees, and more.

The average fee per member gives you a general sense of how much you might pay in fees as a member of the Freedom United Credit Union. Some credit unions tend to charge more fees, while others charge less.

Staff Share
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481:1
Credit union member to staff ratio
481 per each FTE employee
Compared to 411:1 nationally
Fewer staff
15 staff members
FTE (full-time equivalent)
24% of employees are part-time
13 full-time, 4 part-time

Freedom United Credit Union has 13 full-time staff members and 4 part-time staff members. The staff is predominantly comprised of full-time staff, at approximately 76% of the workforce.

The number of members relative to staff members is an indication of how well staffed the credit union is. Freedom United Credit Union has around 481 members per staff, a higher ratio compared to other credit unions.

Assets Share
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$61,799,796
Total assets
Above average
Net worth Share
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Well Capitalized
Net worth classification
Source: NCUA
A well capitalized credit union has a net worth ratio of 7% or greater and also meets applicable risk-based net worth requirements, according to the National Credit Union Administration.
17.2%
Net worth ratio
A higher net worth ratio is better.
Compared to an average of 13.6% nationally

A credit union's net worth ratio is one of the most important metrics you should consider when deciding whether to join a credit union. Why? It's a measure of financial strength

The net worth ratio is equal to a credit union's net worth divided by its assets. According to the National Credit Union Administration, a minimum net worth ratio of 7% is required to be considered to be a well capitalized credit union.

Loans & leases Share
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$8,090
Average loan and lease size
Loan & lease sizes are small. They are smaller than at 69% of credit unions.

Freedom United Credit Union holds a total of $20,560,000 in loans and leases, which is about $8,090 per member on average.

Savings interest rate Share
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0.15%
Savings interest rate
Compared to 0.3% nationally

A credit union share account is an account at a credit union. It's called a share account because the credit union is member owned and as a result, members own shares in the credit union.

A share savings account pays you interest on your savings, similar to a savings account at a bank. The interest you receive can vary. Freedom United Credit Union pays 0.15%.

Loan rates Share
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9.50%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
10.44%
Unsecured non-credit card loan interest rate
Compared to 11.2% nationally
6.15%
Other secured non-real estate loans and lines of credit interest rate
Compared to 5.3% nationally
Car loan rates Share
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3.77%
New car loan rate
Compared to 4.0% nationally
5.84%
Used car loan rate
Compared to 5.2% nationally
Mortgage rates Share
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5.20%
Mortgage rate (secured by junior lien)
Compared to 3.4% nationally
5.53%
Mortgage rate (secured by 1st lien)
Compared to 3.3% nationally

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