Civic Intelligence

WESTERN MA TELEPHONE WORKERS CREDIT UNION

Plan context: Freedom Credit Union 401(K) Retirement Plan

EIN 04-1961180 • Springfield, MA • 32 filings • 8 plans

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1976 Main StreetPO Box 3009Springfield, MA 01101-3009
Current Snapshot

Latest Year

2024

2024 Participants

102

2024 Assets

$13,870,101

2024 Contributions

$1,154,729

Historical Graphs

Total Assets Over Time

Aggregate end-of-year assets by filing year, excluding zero-asset years

$14,518,682$7,259,341$0200020092024YearValue
$13,870,101Latest year 2024

Participants Over Time

Largest reported end-of-year plan headcount by filing year, used to avoid double-counting participants across overlapping plans

2451230200020132024YearValue
102Latest year 2024

Company Timeline

Year summaries and individual filings are combined here so you can stay in one place while moving across years and plan filings.

Year / FilingFilingsParticipantsAssetsContributionsContrib./Participant
20241102$13,870,101$1,154,729$11,321iApproximate average salary by contribution assumption: employee only about $283,022 at 4% or $188,681 at 6%; with 50% employer match about $188,681 at 4% or $125,787 at 6%; with 100% employer match about $141,511 at 4% or $94,341 at 6%.
Freedom Credit Union 401(K) Retirement Plan-102$13,870,101$1,154,729$11,321iApproximate average salary by contribution assumption: employee only about $283,022 at 4% or $188,681 at 6%; with 50% employer match about $188,681 at 4% or $125,787 at 6%; with 100% employer match about $141,511 at 4% or $94,341 at 6%.
20232108$13,644,699$1,236,199$11,446iApproximate average salary by contribution assumption: employee only about $286,157 at 4% or $190,771 at 6%; with 50% employer match about $190,771 at 4% or $127,181 at 6%; with 100% employer match about $143,079 at 4% or $95,386 at 6%.
Freedom Credit Union 401(K) Retirement Plan-108$13,644,699$1,236,199$11,446iApproximate average salary by contribution assumption: employee only about $286,157 at 4% or $190,771 at 6%; with 50% employer match about $190,771 at 4% or $127,181 at 6%; with 100% employer match about $143,079 at 4% or $95,386 at 6%.
Freedom Credit Union Employee Benefit Plan-96---
20222114$11,847,741$1,016,368$8,916iApproximate average salary by contribution assumption: employee only about $222,888 at 4% or $148,592 at 6%; with 50% employer match about $148,592 at 4% or $99,061 at 6%; with 100% employer match about $111,444 at 4% or $74,296 at 6%.
Freedom Credit Union 401(K) Retirement Plan-102$11,847,741$1,016,368$9,964iApproximate average salary by contribution assumption: employee only about $249,110 at 4% or $166,073 at 6%; with 50% employer match about $166,073 at 4% or $110,715 at 6%; with 100% employer match about $124,555 at 4% or $83,037 at 6%.
Freedom Credit Union Employee Benefit Plan-114---
20212138$14,518,682$0-
Freedom Credit Union 401(K) Retirement Plan-104$14,518,682--
Freedom Credit Union Employee Benefit Plan-138---
20201102$0$0-
Freedom Credit Union Employee Benefit Plan-102---
20191109$0$0-
Freedom Credit Union Employee Benefit Plan-109---
20181100$0$0-
Freedom Credit Union Employee Benefit Plan-100---
20171222$0$0-
Freedom Credit Union Employee Benefit Plan-222---
20161242$0$0-
Freedom Credit Union Employee Benefit Plan-242---
20151245$0$0-
Freedom Credit Union Employee Benefit Plan-245---
20141112$0$0-
Freedom Credit Union Employee Benefit Plan-112---
20131108$0$0-
Freedom Credit Union Employee Benefit Plan-108---
201210$0$490,849-
Freedom Credit Union 401(K) Plan-0$0$490,849-
20111111$7,857,264$683,403$6,157iApproximate average salary by contribution assumption: employee only about $153,920 at 4% or $102,613 at 6%; with 50% employer match about $102,613 at 4% or $68,409 at 6%; with 100% employer match about $76,960 at 4% or $51,307 at 6%.
Freedom Credit Union 401(K) Plan-111$7,857,264$683,403$6,157iApproximate average salary by contribution assumption: employee only about $153,920 at 4% or $102,613 at 6%; with 50% employer match about $102,613 at 4% or $68,409 at 6%; with 100% employer match about $76,960 at 4% or $51,307 at 6%.
2010176$7,431,573$617,773$8,129iApproximate average salary by contribution assumption: employee only about $203,215 at 4% or $135,477 at 6%; with 50% employer match about $135,477 at 4% or $90,318 at 6%; with 100% employer match about $101,607 at 4% or $67,738 at 6%.
Freedom Credit Union 401(K) Plan-76$7,431,573$617,773$8,129iApproximate average salary by contribution assumption: employee only about $203,215 at 4% or $135,477 at 6%; with 50% employer match about $135,477 at 4% or $90,318 at 6%; with 100% employer match about $101,607 at 4% or $67,738 at 6%.
2009163$6,131,106$526,470$8,357iApproximate average salary by contribution assumption: employee only about $208,917 at 4% or $139,278 at 6%; with 50% employer match about $139,278 at 4% or $92,852 at 6%; with 100% employer match about $104,458 at 4% or $69,639 at 6%.
Freedom Credit Union 401(K) Plan-63$6,131,106$526,470$8,357iApproximate average salary by contribution assumption: employee only about $208,917 at 4% or $139,278 at 6%; with 50% employer match about $139,278 at 4% or $92,852 at 6%; with 100% employer match about $104,458 at 4% or $69,639 at 6%.
2008158$4,626,798$455,521$7,854iApproximate average salary by contribution assumption: employee only about $196,345 at 4% or $130,897 at 6%; with 50% employer match about $130,897 at 4% or $87,265 at 6%; with 100% employer match about $98,173 at 4% or $65,448 at 6%.
Freedom Credit Union 401(K) Plan-58$4,626,798$455,521$7,854iApproximate average salary by contribution assumption: employee only about $196,345 at 4% or $130,897 at 6%; with 50% employer match about $130,897 at 4% or $87,265 at 6%; with 100% employer match about $98,173 at 4% or $65,448 at 6%.
2007148$0$0-
Freedom Credit Union 401(K) Plan-48---
2006155$6,428,859$444,469$8,081iApproximate average salary by contribution assumption: employee only about $202,031 at 4% or $134,688 at 6%; with 50% employer match about $134,688 at 4% or $89,792 at 6%; with 100% employer match about $101,016 at 4% or $67,344 at 6%.
Freedom Credit Union 401(K) Plan-55$6,428,859$444,469$8,081iApproximate average salary by contribution assumption: employee only about $202,031 at 4% or $134,688 at 6%; with 50% employer match about $134,688 at 4% or $89,792 at 6%; with 100% employer match about $101,016 at 4% or $67,344 at 6%.
2005146$5,465,681$370,117$8,046iApproximate average salary by contribution assumption: employee only about $201,151 at 4% or $134,100 at 6%; with 50% employer match about $134,100 at 4% or $89,400 at 6%; with 100% employer match about $100,575 at 4% or $67,050 at 6%.
Freedom Credit Union 401(K) Plan-46$5,465,681$370,117$8,046iApproximate average salary by contribution assumption: employee only about $201,151 at 4% or $134,100 at 6%; with 50% employer match about $134,100 at 4% or $89,400 at 6%; with 100% employer match about $100,575 at 4% or $67,050 at 6%.
2004144$5,465,953$393,937$8,953iApproximate average salary by contribution assumption: employee only about $223,828 at 4% or $149,219 at 6%; with 50% employer match about $149,219 at 4% or $99,479 at 6%; with 100% employer match about $111,914 at 4% or $74,609 at 6%.
Freedom Credit Union 401(K) Plan-44$5,465,953$393,937$8,953iApproximate average salary by contribution assumption: employee only about $223,828 at 4% or $149,219 at 6%; with 50% employer match about $149,219 at 4% or $99,479 at 6%; with 100% employer match about $111,914 at 4% or $74,609 at 6%.
2003241$5,800,142$264,680$6,456iApproximate average salary by contribution assumption: employee only about $161,390 at 4% or $107,593 at 6%; with 50% employer match about $107,593 at 4% or $71,729 at 6%; with 100% employer match about $80,695 at 4% or $53,797 at 6%.
Freedom Credit Union 401(K) Plan-41$5,800,142$47,551$1,160iApproximate average salary by contribution assumption: employee only about $28,995 at 4% or $19,330 at 6%; with 50% employer match about $19,330 at 4% or $12,886 at 6%; with 100% employer match about $14,497 at 4% or $9,665 at 6%.
FREEDOM CREDIT UNION MONEY PURCHASE PLAN-0-$217,129-
2002236$4,820,990$258,669$7,185iApproximate average salary by contribution assumption: employee only about $179,631 at 4% or $119,754 at 6%; with 50% employer match about $119,754 at 4% or $79,836 at 6%; with 100% employer match about $89,816 at 4% or $59,877 at 6%.
WESTERN MA TELEPHONE WORKERS CREDIT UNION MONEY PURCHASE PLAN-36$4,689,070$227,835$6,329iApproximate average salary by contribution assumption: employee only about $158,219 at 4% or $105,479 at 6%; with 50% employer match about $105,479 at 4% or $70,319 at 6%; with 100% employer match about $79,109 at 4% or $52,740 at 6%.
Freedom Credit Union 401(K) Plan-36$131,920$30,834$857iApproximate average salary by contribution assumption: employee only about $21,413 at 4% or $14,275 at 6%; with 50% employer match about $14,275 at 4% or $9,517 at 6%; with 100% employer match about $10,706 at 4% or $7,138 at 6%.
2001237$0$0-
WESTERN MA TELEPHONE WORKERS CREDIT UNION MONEY PURCHASE PLAN-37---
Freedom Credit Union 401(K) Plan-37---
2000234$5,517,642$245,214$7,212iApproximate average salary by contribution assumption: employee only about $180,304 at 4% or $120,203 at 6%; with 50% employer match about $120,203 at 4% or $80,135 at 6%; with 100% employer match about $90,152 at 4% or $60,101 at 6%.
WESTERN MA TELEPHONE WORKERS CREDIT UNION MONEY PURCHASE PLAN-34$5,391,857$182,478$5,367iApproximate average salary by contribution assumption: employee only about $134,175 at 4% or $89,450 at 6%; with 50% employer match about $89,450 at 4% or $59,633 at 6%; with 100% employer match about $67,088 at 4% or $44,725 at 6%.
Freedom Credit Union 401(K) Plan-34$125,785$62,736$1,845iApproximate average salary by contribution assumption: employee only about $46,129 at 4% or $30,753 at 6%; with 50% employer match about $30,753 at 4% or $20,502 at 6%; with 100% employer match about $23,065 at 4% or $15,376 at 6%.