Established in Baltimore as MATCOM Federal Credit Union to serve the military and civilian employees of the Chemical Corps Materiel Command

Relocated to Edgewood Arsenal in Harford County

Assets of $200,000, average loan was $400

Introduced ‘Share draft’ checking accounts

Expanded charter - U.S. Post Offices in Harford County

Merged with Fallston Hospital Credit Union

Introduced real estate loans

Introduced VISA credit card

Opened Hoadley & Blackhawk Roads Office

Expanded charter - Harford County Chamber of Commerce

Introduced ATM card

Introduced 24-hour telephone teller service

Opened Festival at Bel Air office

Established Web site at www.freedomfcu.org

Introduced 24-hour person-to-person loans by phone
Opened ATM at Festival location

Offered no-surcharge ATMs through relationship with Allfirst (now M&T Bank) and Wawa Stores
Welcomed Upper Chesapeake Health System and installed two ATMs at Upper Chesapeake and Harford Memorial

Indirect lending at auto dealers
Harford County Community Charter
Second drive-up lane at Edgewood
Internet banking with bill payer service
Name changed from MATCOM FCU to Freedom Federal Credit Union

Fountain Green Branch opened in October
Total Assets equaling $168,000,000
Lowest no-fee VISA Platinum card in the United States
Became the official credit union of the Aberdeen IronBirds

50th Anniversary Celebration
Opened Park Ave. Branch and relocated the Festival Branch in April

Opened full-service, 24-hour, drive-up ATM at the Edgewood Area, APG branch. 

"Ask the CEO" feature introduced on Freedom's web site, giving members and non-members 24-hour access to the CEO.

Introduced a full range of business banking services.

Introduced three new Youth Programs:  Choices, CU Succeed, and the Kirby Kangaroo Club.