The Freedom Account
for members age 15 to 22.

First jobs, learning how to drive or maybe heading off to college. The path to independence is exciting for young adults, but it also comes with responsibility. Our new Freedom Account Package helps young adults learn financial responsibility and account management skills.

Freedom is . . . flexible.
Choose the products and services that work best.

  • Freedom Checking
    • No minimum balance requirement
    • No monthly service fee
    • Free Debit Card
    • Free first box of duplicate checks
    • Refund of 2 NSF Fees per year*
    • 10 FREE ATM withdrawals per month at PNC Bank locations

  • Freedom Visa® Credit Card*
    • Spending limit of $250 - $500 based on age and employment status
    • Low fixed rate of 13.9% APR
    • No Annual Fee

  • Freedom Auto Loan Discount
    • .25% rate discount with Freedom Checking, Debit Card & Credit Card

  • Freedom Certificates
    • .25% rate bonus on Certificates

Freedom is . . . 24x7.
Manage accounts anytime, anywhere with our Free access systems.
  • Free Online Banking and Bill Pay at
  • Free Mobile Banking at
  • Free E-Statements**
  • Free Activity Notifications via E-mail
    • Be notified automatically when your paycheck is deposited, when your Freedom Checking falls below a certain balance or when you've received an NSF Fee.

Freedom is . . . financial responsibility & independence.
Set your teen or young adult on the path to becoming a financially savvy, independent and responsible adult. Stop by any COPFCU location to open a Freedom Account today.

*Parent/Guardian must be a COPFCU member in order for Freedom Accounts/Loans to be opened. Parent/Guardian must be joint on all accounts when Freedom Accountholder is under the age of 18. New federal laws also mandate that parent/guardian must also be joint applicant/cardholder for Freedom VisaŽ Credit Card if member is age 20 or younger. To receive refund of 2 NSF Fees per year, you must call COPFCU within 60 days of receiving the fee to request the refund. The Overdraft Privilege (Courtesy Pay) service is not available on Freedom Checking Accounts.

**E-Statements are required as part of the Freedom Account package. If paper statements are elected a $2.00 fee will be charged for each paper statement mailed.