Freedom FCU Harford County's Better Way to Bank
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Membership Eligibility
Freedom Federal Credit Union is a community credit union—which means that if you live, work, volunteer, worship, or attend school in Harford County, Maryland you can now join Freedom and enjoy all the benefits!

Other potential members include immediate family and household members of a person eligible for membership:

  • Spouse, child, sibling, parent, grandparent, grandchild, stepparent, stepchild, stepsibling, and adoptive relationships, even if they do not live, work or worship, volunteer, or attend school in Harford County
  • Anyone who belongs to a household of a credit union eligible individual

Freedom is a full-service credit union owned by its members.  Freedom is a not-for-profit organization, which means all money earned by the credit union is returned to members in the form of higher savings rates, lower loan rates, and improved or additional services. Join now!

Freedom also offers an extensive line of products and services for our business members including business checking, business savings and certificates, as well as business credit cards and cash management services.

Safeguarding your hard-earned money is critical. That's why Freedom Federal Credit Union has federal share insurance, administered by an independent Federal Government agency, the National Credit Union Administration (NCUA). The National Credit Union Share Insurance Fund (NCUSIF) protects aggregate savings up to at least $250,000 in your regular Share Savings, Certificates, Share Draft/Checking, and Coverdell ESA accounts.

Individual Retirement Accounts (IRAs) are insured separately up to $250,000.

Click here to join today!

Join FreedomApply For a LoanOpen Additional AccountApply for a Credit Card
Rates & Service Fees View All
Loans / Credit Cards
Loans/Lines of Credit
As Low As*
New Auto 2.24%**
Used Auto 2.64%**
Variable Rate Line of Credit Prime + 4% 
Personal Loan 10.74%**
Home Equity Line of Credit Prime

*Certain conditions apply. **Rates shown with discount for e-Statements and automated payment. For all current rates, terms, options and disclosures, click here.

Credit Card Rates
Credit Card Rates
As Low As*
Visa Platinum 8.25%
Visa Platinum Rewards 9.25%
Visa Platinum Share Secured 15.25%

*Certain conditions apply. For all current rates, terms, options and disclosures, click here.

Mortgages and Home Equity
Mortgage/Home Equity
As Low As*  

Call for Info:

Fixed-Rate Home Equity


*Certain conditions apply. For all current rates, terms, options and disclosures, click here.

Savings and Checking
Annual Percentage Yield*
Share Savings .15%

Money Market

IRA Call
Youth Checking .20%
High Rate Checking  1.25%

*Certain conditions apply. For all current rates, terms, options and disclosures, click here.


Freedom Federal Credit Union, P.O. Box 1545, Bel Air, Maryland 21014 | 410-676-5700 | 1-800-440-4120 | Routing # 255077299

Federally Insured by NCUA
Equal Housing Lender Equal Housing Lender
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