PRODUCTS AND SERVICES | CONVENIENCE SERVICES

As a member of Freedom Federal Credit Union, you’ll have easy access to all of your accounts, day and night, 24/7, from anywhere. We offer:

Three convenient Harford County locations – You can find out addresses and hours by clicking here. Each location has a night deposit box, drive-thru facility, and an ATM.

All day, every day, person-to-person, loans by phone – Call us at 1-800-440-4120 from anywhere, and talk to a Freedom Loan Representative. You may receive immediate approval in a matter of minutes!

ATM/MasterCard® Check Card – Access your cash in your Freedom checking account by using Freedom’s ATM/MasterCard Check Card.  You also have the convenience of using your card anywhere MasterCard is accepted. It works just like a check without you having to carry a checkbook!   All Check Card transactions are free as long as they are signature-based.  Please note that there is a per transaction charge associated with using your PIN.  Please review our checking account options to see how you can actually get paid by Freedom for using your Check Card in a signature-based transaction.

ATMs – Freedom now offers a wide range of checking options, one of which allows you to use a limited number of out-of-network ATMs at no charge.  Click here for details.

Full Service FREE ATMs: Freedom Federal Credit Union Offices:

                          Park Avenue
                          2019 Emmorton Road
                          Bel Air, MD 21015

                          Fountain Green
                          1304 Churchville Road
                          Bel Air, MD 2101

                          Edgewood
                          Hoadley & Blackhawk Roads
                          Edgewood Area - APG, MD 21010

Cash Dispensers ATMs: (cannot make deposits or perform other transactions)

In addition to Freedom's full-service ATMs, you'll avoid all surcharges when you use your card at any M&T Bank ATM; or at select Wawa Food Markets or select Rutter's store ATMs in Maryland and Pennslyvania.

M&T Bank Locations

Ripken Stadium: Accessible when the stadium is open
873 Gilbert Road
Aberdeen, MD 21001

Upper Chesapeake Medical Center: Hospital staff, patients and visitors
500 Upper Chesapeake Drive
Bel Air, MD 21015

Harford Memorial Hospital: Hospital staff, patients and visitors
501 South Union Avenue
Havre de Grace, MD 21078

Ruggles Golf Course Club House: Accessible when the Club House is open

Inside the gate accessed through Rts. 40 and 715

APG, MD

We've recently signed reciprocal usage agreements with First Financial Federal Credit Union (firstfinancial.org) , Atlantic Financial Federal Credit Union (affcu.org) , and Johns Hopkins Federal Credit Union (jhfcu.org) - they now accept Freedom ATM/check cards FREE.*

Following are Atlantic Financial Federal Credit Union locations:

Hunt Valley Branch
40 Schilling Road
Hunt Valley, MD 21031

Inner Harbor Branch
1 E. Pratt Street
Baltimore, MD 21202

Following are First Financial Credit Union locations:

Lutherville Main Office

1215 York Road
Lutherville , Maryland 21093

Catonsville Branch

Westpark Shopping Center
6400 Baltimore National Pike
Catonsville , Maryland 21228

Eldersburg Branch

Princess Shopping Center, Bldg. 2
1213 Liberty Road , Unit 209
Eldersburg , Maryland 21784

Fullerton Branch

Putty Hill Plaza
7966 Bel Air Road
Baltimore , Maryland 21236

Golden Ring Branch  

8665 Pulaski Highway
Baltimore , Maryland 21237

Owings Mills Branch

St. Thomas Shopping Center
9902 Reisterstown Road
Owings Mills , Maryland 21117

Westminster Branch

Crossroads Square
625-H Baltimore Blvd.
Westminster , Maryland 21157

Following are Johns Hopkins Federal Credit Union locations:

Johns Hopkins Outpatient Center

601 N. Caroline Street
(Concourse level, near gift shop)
Baltimore , MD 21287

Johns Hopkins Hospital

600 N. Wolfe St. Main Lobby

(Lobby area, across from the gift shop)
Baltimore, MD 21287

School of Hygiene and Public Health

615 N. Wolfe Street
(Monument St. lobby, under the stairs)
Baltimore , MD 21287

Harry and Jeanette Weinberg Building

401 N. Broadway, (Lobby area)
Baltimore, MD 21287

2024 Building

2024 E. Monument St.
(Entrance)
Baltimore , MD 21287

Broadway Research Building

733 N. Broadway
(3rd floor, near the coffee bar)
Baltimore , MD 21287

Johns Hopkins University

Gilman Hall, First Floor - across from CU branch
3400 N. Charles Street
Baltimore , MD 21218

Wyman Park Medical Center

3100 Wyman Park Drive
(left entrance vestibule)
Baltimore , MD 21211
Building is not open on Sundays

AA- Building Entrance

4940 Eastern Avenue
Baltimore, MD 21224

Bayview Branch

5201 Alpha Commons Drive
Baltimore , MD 21224

Bayview Branch

5201 Alpha Commons Drive
Drive-Thru
Baltimore , MD 21224

The Peabody Institute

Cafeteria Lobby
One East Mount Vernon Place
Baltimore , MD 21202

Greenspring Station

Johns Hopkins Pavilion II
10753 Falls Road
Baltimore , MD 21093

Johns Hopkins at Eastern

1101 East 33rd St., (lower level)
Baltimore , MD 21218

Montgomery County Campus

9601 Medical Center Drive
Rockville , MD 20850

Johns Hopkins at White Marsh

4924 Campbell Boulevard
White Marsh , Maryland 21236

*Freedom does not have control over fees that may be charged by other financial iinstitutions, third party service providers or ATM owners.  Foreign ATM transaction fees do apply - $1.50 for cash withdrawals and $.50 for balance inquries conducted at ATMs that are not recognized by Freedom.

Freedom also offers the following services to our members:

Direct Deposit
Automatically deposit your net pay, government or pension checks directly into your checking or savings account. And, when you have Checking with Direct Deposit, you get .25% off most consumer loans opened at Freedom.

Payroll Deduction
Automatically deposit a specified amount from your paycheck directly into your Freedom Savings or Checking account, or to make your Loan payment.

Free 24-Hour Telephone Teller
Enjoy the freedom that comes with automated, 24/7 telephone banking. Simplify your life with our state-of-the-art, automated, 24-hour Telephone Teller banking system. Secure transactions and convenient, current information about your accounts are only a phone call away! This free service lets you make a variety of inquiries and transactions with a single call. There's no guesswork. A voice prompt guides you through each and every step. Help is available at any time throughout your call.

A touch-tone phone, your account number, and PIN (Personal Identification Number) are all you need to get started. To access Freedom's Telephone Teller banking, call 410-676-5016. Outside Harford County, call 800-376-4300, and follow the prompts.

Free MemberConnect® Online Banking – Conduct virtually all transactions from the comfort of your home or office, any time, day or night. Enjoy more free time and spend less money handling your finances with Freedom's Online Banking. You can transfer funds between accounts, make loan payments, check your finances, verify transactions, and so much more! And, the best part? It's all done in real time!

To sign up, please contact a Member Service Representative by:

1.  Calling 410-676-5700 or 800-440-4120.

2.  Emailing the Member Service Center at membserv@freedomfcu.org.

3.  Clicking on the "Questions" icon to the right to enter Freedom's Live Chat service.

Bill Payer Service – There's no need to write checks and mail payments any more. Now you can pay all your bills with the click of a button! Just think how convenient it would be to pay all of your bills online in just a fraction of the time it takes to write checks and address envelopes. Plus, think of the postage money you'll save and the actual money you could earn - check out our Freedom Rewards checking options to see how you can make this happen.

To sign up for Bill Payer service, simply click on the Internet Banking in the upper right corner, then click on "Bill Payer", then "Enroll." Complete and submit the online form. Freedom will send documents for you to complete and return before activating your Bill Payer account.

Travelers Cheques
When you're going on vacation, or just need funds that are insured if they're lost or stolen, this is the way to go. And, Travelers Cheques are free for Loyalty Rewards and Premium Checking members!

Money Orders
Some companies will not accept personal checks, so we offer Money Orders for when the need arises. Money Orders are free for Loyalty Rewards and Premium Checking members.

Notary Service
If you need anything notarized you can have it done at any Freedom office at no cost to you.

Savings Bonds
Freedom offers Series EE and I U.S. Savings Bonds.

Bank Wires
When you need to get money to another financial institution quickly, we can wire your funds anywhere in the world. While there is a charge for sending wires, we do accept wire transfers from another financial institution at no cost to you.

Click here for instructions.

Western Union Transfers
Need to get money to someone else? Use our Western Union Transfer service. Fees for this service vary by the amount of funds sent.

Member-Elect Credit Life Insurance
Give your family the peace of mind they deserve. This insurance pays your loan payment or balance instead of passing the burden to your family.

Temporary Disability Insurance
For just pennies a day this option will pay your loan payments or balance in the event that you are temporarily disabled.

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