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Internet security is even more important when financial transactions are involved. A site (both financial and non-financial) is considered secure if all sensitive information that is transmitted between the Member’s browser and the owner of the site is encrypted (scrambled so that someone looking can not read it). At Freedom Credit Union, we use encryption for Internet activity that involves the exchange of sensitive information. Encrypted features include Online Banking, Bill Payer, applications for lending and deposit products, as well as Live Chat and Email Us function on our website.

Online & Mobile Banking

For Member protection, Online & Mobile Banking employs these forms of security:

  • Multi-Factor Authentication (Online & Mobile) requires Members to authenticate themselves via challenge questions that usually are not known by anyone other then the individual Member. The challenge questions may be asked in future visits for Member protection. After a Member’s first authentication, the Member chooses a picture and a phrase that will be shown in future visits to confirm that it is Freedom’s website.
  • Two-Factor Authentication (Online & Mobile) much like the name implies, requires two forms of security credentials.  It still requires your password, but additionally a code will also be sent to your phone via text, voice call, or our mobile app, which you’ll need to log in as well.
  • Split Screen Dual Password Protection requires the Member to enter a second password on a second page, in addition to the four digit PIN, to ensure Account information is only accessed by the authorized Member.
  • Data Encryption is a process that transposes the information sent from our server to your browser into a code that cannot be understood or altered without using a “key.” The “key” deciphers the information from our server to be able to display on your browser. Our servers presently employ a minimum of 128-bit RSA data encryption. The latest versions of all Web browsers support this encryption.


Information sent via the Internet may be used by Freedom for purposes like responding to questions, addressing Member suggestions, or updating Member information. When sending us Account information (such as Account Numbers, Social Security Numbers, PINs, etc.) or other sensitive information online, use only the services listed above. Do not use your standard e-mail accounts to send the Credit Union sensitive information because that may not protect what you are sending.


Cookies are messages shared between Web browsers and Web servers. To deliver more customized service to our Members, Freedom uses cookies in several applications as well as to indicate acceptance of our Online Banking & Bill Payer Agreement. We do not link the cookie information that we receive with your name, Account Number, or any other personal information.