Golden Apple: For the Education Community!

Our 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

Golden Apple Program members have special benefits that only come with membership. If you have questions about the Program, contact Patrice Ricciardi at 410-952-3374 or [email protected]. Ms. Ricciardi is happy to explain all the ways the Golden Apple Program can benefit you!

Join now!

Golden Apple Program 

The Golden Apple Program participants get these benefits1

    • 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!*
    • Become eligible to win an annual $1,000 Educators Award!

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 Year2

  • Summer Savings Program

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


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 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.