Rewards Checking

Member accounts at this credit union are federally insured up to at least $250,000 by the National Credit Union Administration.

There is a world of benefits to enjoy

with checking options from Freedom.

You will see the difference in options

designed to fit your specific needs,

and all deliver valuable returns

and many FREE services.

All Freedom checking options, Rewards, Classic, and Youth, receive the following FREE benefits making every Freedom checking account most competitive:

.25% rate discount on select Freedom loans with Direct Deposit and automated payment
Unlimited FREE transactions at point-of-sale for purchases (No charge for PIN transactions!)
FREE ATM transactions at M&T Bank ATMs in six states and D.C.
FREE in-network ATM transactions at Freedom ATMs and select Wawa, select Rutter's, and select Baltimore area credit unions
FREE home banking, bill payer, and e-statement service.

Take a look at the following chart, and pick the checking account that best fits your age, needs, and lifestyle.

Checking Comparison Chart

Rewards

Youth

Classic

Checking balance required to earn dividends	$1,000	$100	No dividends earned
Balance and transactions required to avoid a $5 monthly service charge	$1,000 average monthly balance in checking, AND 6 transactions per calendar month	No charge	No charge
Additional Requirements	None	Must be Choices or CU Succeed 13-25 years old	None
Check Printing (Specialty Grey)	FREE (unlimited)	FREE (unlimited)	FREE one box per rolling 12 months
Home Banking and Bill Payer	FREE	FREE	FREE
In-network ATM transactions¹	FREE	FREE	FREE
Out-of-network ATM transactions²	6 FREE per month	6 FREE per month	$.50 balance inquiry $1.50 per transaction
POS transactions	FREE	FREE	FREE
Travelers Cheques®	FREE	$1 per $100	$1 per $100
Travelers Cheques for Two®	FREE	$1.50 per $100	$1.50 per $100
American Express Gift Cheques ®	FREE	$1.50 per $100	$1.50 per $100
Money Orders³	FREE	$2	$2
Stop Payments³	FREE	$15 per item; $25 for multiple or series	$15 per item; $25 for multiple or series
Freedom Federal Credit Union Checks³	FREE	One FREE per month, $5 each thereafter	One FREE per month, $5 each thereafter
Loan Rate Discount with Direct Deposit and Automatic Loan Payments⁴	.25%	.25%	.25%
Refinance Loan Rate Discount with Direct Deposit and Automatic Loan Payment⁵	.50% or more	None	None
Share or IRA Certificate Specials⁶	Available "Special" Share or IRA certificates - See current rate sheet	None	None

1 In-network include ATMs at Freedom branches or other locations, all M&T Banks, and select Wawa, select Rutter’s, and select Baltimore area credit unions.

2 Freedom does not have control over fees that may be charged by other financial institutions, third party service providers, or ATM owners.

3 Noted charges effective 2/15/10.

4 Mortgages, credit cards, variable lines of credit, and home equity lines of credit are not eligible for loan discount. (The .25% APR loan rate discount is applied to Freedom’s rate.) The amount of the automated payment must be sufficient to make the loan payment each month.

5 Refinance loan rate discount of .50% or more (APR) applies to non-variable rate, fixed-term loans refinanced from another financial institution. Mortgages, credit cards, variable lines of credit, and home equity lines of credit are not eligible for loan discount. Member may qualify for a better rate based on their credit worthiness. Floor rates apply. The amount of the automated payment must be sufficient to make the loan payment each month.

6 “Special” share or IRA certificates are available to Rewards Checking members only and not automatically applied to maturing certificates. Minimum deposits and specific terms will apply. See current rate sheet listing.

All rates and terms are subject to change.