Golden Apple: A Special Program for the Education Community

Freedom’s Golden Apple Program recognizes the dedicated efforts of teachers, support staff, and all members of the education community. All active or retired teachers, administrators, and school support personnel are eligible to enroll in and take advantage of this unique program.

It’s easy! Just open a new Freedom checking account with with an initial deposit of $1001

Join now!

Golden Apple Program participants1

    • Golden Apple members may apply for a special bonus VISA Platinum Rewards credit card with a 0% APR introductory rate!2 This is a specially designed card just for Golden Apple members. Members earn 1 CURewards point for every $1 dollar spent and points are redeemable for cash, merchandise, gift cards and airline miles. With most other card providers you would have 4 separate cards to get those rewards. Freedom offers one card that does it all, the only card you’ll need in your wallet!3
    • Receive payroll direct deposit one (1) day early
    • Get your mortgage processing fee waived when you purchase a home, with savings of up to $850!*
    • Refinance and take advantage of reducing your closing costs, with savings up to $575!*

Golden Apple Plus Program
Exclusively for HCEA and HCESC Members, the Golden Apple PLUS Program offers participants with additional benefits including:

      • Two FREE Loan Skip-A-Pay Offers Per Year3

      • Summer Savings Program

      • Chance to win an annual $1,000 Educators Award

For more details or to enroll, call Freedom at 800-440-4120 or contact Patrice Ricciardi at 410-952-3374 or


1 Offer available only to new members who add checking and a direct deposit of at least $100 per pay period. Also available to existing members who add checking and $100 direct deposit. Direct deposit must be received within 90 days of opening the Checking Account. Bonus funds are placed on hold until direct deposit received. Offer expires 90 days after account opening if all qualifications are not met.

2 0% APR is an introductory rate for purchases only posted to your account during the first nine months following the opening of the account, after which it reverts to the current Visa Platinum Rewards rate based on the member’s credit score at the time the account was established. After the introductory period, rates will range from 10.24% APR to 18.00% APR based on your credit worthiness. The APR varies with market changes based on Prime Rate, which is 4.25%, effective as of June 16, 2017 and subject to change. The Introductory APR for purchases may be ended and the prevailing non-introductory APR applied, if you are 60 days late in making a payment.

3 Eligible to skip your loan payment(s) for twice per year for free. Not valid on mortgages, home equity lines/loans and credit card. All requests are subject to approval. Certain restrictions apply.

*Offer available to Harford County Education Association (HCEA) and Harford County Educational Services Council (HCESC) exclusive members. Savings of up to $575 for refinance and $850 for purchases.