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Welcome to the world of benefits you can enjoy
with Freedom Rewards!
Breaking News!
Special Offer for
Premium Checking and Loyalty Rewards Members!
Freedom is now offering Super Jumbo Certificates with a $100,000 minimum opening deposit. Click here to see the very competitive rates being offered.
This special checking-based program is designed to reward members for using Freedom's products and services. It includes four different checking accounts, each with different features and benefits - but all with valuable returns.
The level and scope of rewards available to you is based on how often you turn to Freedom for your financial needs. The more Freedom services you put to work for you, the greater the rewards. For example, with Freedom's Loyalty Rewards Checking, we'll not only pay you for select monthly transactions and using e-Statements, but you can earn premium certificate rates and more - just scroll down to the Monthly and Bonus Loyalty Rewards charts below.
Take a look at the Freedom Rewards chart and pick the checking account that best fits your needs and your lifestyle.
Rewards at a Glance |
Loyalty Rewards Checking (Direct Deposit, a loan account, and a Freedom Money Market or IRA account required) |
Premium Checking (Direct Deposit required) |
Youth Checking (Choices and CU Succeed members only) |
Classic Checking (Available to all Freedom members) |
|---|---|---|---|---|
| Monthly
Service Charge/Minimum Balance Required |
FREE
with a minimum Freedom Checking Account Average Monthly Balance
of $2,500* |
FREE
with a minimum of $15,000 in loan and/or deposit balances** |
No
|
No
|
| Earn Dividends | Yes
(with a minimum daily checking balance of $2,500) |
Yes
(with a minimum daily checking balance of $2,500) |
Yes
(with a minimum daily checking balance of $100) |
No
|
| FREE Checks (Basic or IronBirds) | Yes
|
Yes
|
Yes
|
One
FREE box per year |
| FREE use of M&T Bank, and at select Wawa, Rutter's, and Baltimore-area credit union ATMs | Yes
|
Yes
|
Yes
|
Yes
|
FREE non-Freedom or out-of-network ATM transactions and/or balance inquiries per month |
Three
per month |
No
|
No
|
No
|
| POS (point-of-sale) transactions are FREE when you sign rather than use your PIN | Yes
|
Yes
|
Yes
|
Yes
|
FREE Internet Banking and Bill Payer |
Yes
|
Yes
|
Yes
|
Yes
|
| FREE stop payment orders | Yes |
Yes |
No |
No |
| FREE Freedom bank or cashier's checks, travelers cheques, gift cheques, and money orders | Yes
|
Yes
|
No
|
No
|
* - $5 monthly service charge if the average monthly minimum balance falls below $2,500.
** - $5 monthly service charge if aggregate average monthly balance falls below $15,000. First mortgage loans and credit card balances excluded.
Additional Benefits for Loyalty Rewards Checking .
Freedom Pays You! *
MONTHLY LOYALTY REWARDS
| Debit
card transactions (signature-based only) |
Freedom
Pays You! $.10 per transaction |
e-Statements |
| Freedom Pays You! $.50 per month |
Bill Payer |
Freedom Pays You! $.50 per month |
Checking Account Balance**
| Balance |
Dividend
Rate |
APY*** |
$2,500
- $9,999 |
0.40% |
0.40% |
$10,000
- $24,999 |
0.55% |
0.55% |
$25,000
- $74,999 |
0.70% |
0.70% |
$75,000
- $99,999 |
0.85% |
0.85% |
$100,000+ |
1.00% |
1.00% |
BONUS LOYALTY REWARDS
Loan
interest refund |
Annual
refund of 1% on loan interest paid during the year |
Bonus
certificate rates for Loyalty Rewards and Premium Checking |
.50%
added to all new regular or IRA share certificate dividend rates
when you maintain a total deposit and/or loan balance of $50,000† |
.25%
added to all new regular or IRA share certificate dividend rates
when you maintain a total deposit and/or loan balance of $25,000† |
* For checking accounts in good standing.
** Daily balance computation method - dividends are calculated by applying a daily periodic rate to the balance in the account each day. Dividends are compounded and paid quarterly. Rates shown are for example only and are subject to change. $5 monthly service charge if minimum average balance falls below $2,500.
*** Annual Percentage Yield.
† First mortgage and credit card balances excluded. Aggregate is based on your average monthly deposit and loan balance.
With a $100,000 minimum deposit, Super Jumbo Share Certificates are available to Premium and Loyalty Rewards members for terms of 13, 26, 39, or 52 weeks –
and pay an extremely competitive dividend rate.