Now Serving Harford and Baltimore Counties

Now Serving Harford and Baltimore Counties

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Better Than Banking

When you join Freedom Federal Credit Union you become part of a unique community of members who live and work in Harford and Baltimore County. As a Credit Union we are committed to help every member achieve their financial goals and to serve the Harford and Baltimore County communities. We exist to serve you. We work here, we live here, we serve here.

Be a part of something better! Join Freedom Federal Credit Union today. It’s easy!

  • Competitive Rates, Lower Fees

    As a not-for-profit financial cooperative, we return our profits to our members in the form of more competitive rates, lower fees, and free or low-cost services. That’s good for your wallet and your peace of mind.

  • Exceptional Service & Support

    No robots, no lengthy wait times.  Talk to someone actually trained help you. As your financial partner, we will help you find the best ways to borrow, save, and manage your money.

  • 24/7 Access. Anytime. Anywhere.

    With six full service branches, online and mobile banking, 80,000+ fee-free ATMs, and an in-house call center, you can access your money wherever, whenever.

Who Can Join?

You are eligible to join Freedom if you live, work, worship, attend school, volunteer, or have family in Harford or Baltimore County.

Freedom also offers financial services for businesses, associations, and other organizations in the Harford and Baltimore County area.

Get in on the good stuff today.

Join Freedom

How to Join

What You’ll Need

  • Your Social Security Number or Individual Tax Identification Number (ITIN) or your Business EIN Number.
  • A U.S. government-issued photo ID (e.g. Driver’s License, Passport, State or Military ID)
  • $1 minimum to create your ownership share (Regular Savings and Youth Savings)
  • A credit or debit card, U.S. checking or savings account to fund your new account, or cash if opening at a branch.

Why a credit union?

The benefits of being a Freedom Federal Credit Union member start with the benefits of a credit union.

  • Credit unions are not-for-profit financial cooperatives. That means that each member is also part-owner. Like all Credit unions, we are member-owned. That’s why we call you members, and not customers!
  • We are democratic, that is one member = one vote, and our Board of Directors is elected by and made up of our members.
  • Savings are federally insured by NCUA, not the same agency that insures bank accounts, but the insurance works the same way and means that your funds are just as safe.


  • At for-profit banks, earnings are paid to shareholders. At a credit union profits are paid back to you in the form of better rates for the products and services you need. We focus on you the member/owner, and not the bottom line.
  • We are financially sound and insured, but with lower fees and better rates!
  • Maybe the best reason for choosing a credit union is credit unions believe in “People Helping People”. We take that principle to heart and use it to lift up our Harford and Baltimore County members.


Freedom offers great financial products and services, competitive rates and excellent member service. We’ve got accounts for everyone at every age and business accounts too! Most importantly, we live and breathe Baltimore and Harford County. Freedom has been around since 1953, and ever since then we’ve supported the schools and other community organizations that you care about and are involved in yourself.

You are eligible to join Freedom if you live, work, worship, attend school, volunteer, or have family in Harford or Baltimore County.

Ready to Get Started?

Join Freedom

What Our Members are saying...

Aside from a consistently professional and courteous staff, Freedom, in general, makes better financial sense than the alternative.

— Robert C.

Member Benefits

Wouldn’t it be great if your checking account could earn like a savings account?  Make the switch to Empower Checking, a new standard of FREE Checking by Freedom Federal Credit Union.  You can earn a 3.00% Annual Percentage Yield on balances up to $10,000.1  No Maintenance of monthly fees.  Learn about Empower Checking.

Higher deposit rates, lower loan rates, and low or no fees compared to the big banks.  If you’re looking to refinance, we can often offer you a lower payment or more favorable terms. It’s one of our favorite things to do! See today’s rates.

24/7 online and mobile access!  Through our secure online banking platform and mobile app, you can pay bills, send P2P payments, transfer money to other accounts, deposit checks, make a budget, and much more.

Need Cash?  No problem.  Access surcharge-free ATMs at over 80,000 locations nationwide.  Use our ATM Locator Tool to find an ATM near you.

Freedom Federal Credit Union offers an option to skip a payment on your auto and personal loans up to two times per year.2 Perfect if you’d like to free up some cash for a special trip or an unexpected expense.

Along with online articles and tools in Freedom’s Financial Education Center, we regularly offer free financial workshops to help you feel confident in your finances. View our upcoming seminars on our News & Events Page.

We are always looking for ways to save our members money. Enjoy discounts on Financial Planning, Home Buying, Insurance, and on TurboTax! See all member perks in the Advice & Resources tab.

Freedom is all about the member experience.  In fact, you’re not even a customer here, but a part-owner.  As a cooperative not-for profit, we are not focused on lining the pockets of shareholders, but are focused on what’s best for members. Your financial well-being is our sole focus.

Teachers and support staff from Harford and Baltimore County schools are eligible for a $100 bonus and exclusive benefits and rates through Freedom’s Golden Apple Program.*  Plus, they are eligible to apply for Freedom’s Annual Educator Awards, totaling $4,000.  Learn about the Golden Apple Program.

If your organization is a Freedom At Work Partner, Freedom has exclusive benefits just for you.  Learn more about our $100 bonus and other exclusive benefits, or how to enroll your company in the Freedom At Work Program.*

What our members are saying...

Everyone is amazingly friendly and helpful. I love Freedom! I’ll never bank anywhere else and I’m so glad I became a member.  Never have had one issues in the years I’ve been coming here.  Thank you to all of them!

— Maureena T.

Giving Back

By joining Freedom, you put your money where your heart is. Here’s how our employees and members gave back in 2019.

  • Local Non-Profits


    Donated. 76 local non-profit organizations received financial support from Freedom totaling $180,000 in 2019.

  • Collection Drives


    Collection Drives.  Freedom ran drives across our 5 branches for Tools for Schools, Harford County Humane Society, and Empty Stocking Fund. Thanks to Freedom’s membership, thousands in supplies for these organizations were collected.

  • Volunteer Hours


    Volunteer Hours.  Freedom has gifted over 400 hours of paid employee time to support volunteer efforts in the local community.

  • Educator Awards


    Educator Awards.  One $2,000, and two $500 classroom grants were awarded to deserving teacher/members.  In 2020, Freedom will be offering $4,000 in educator awards.

  • Hartford County Public Schools


    Elementary School Patriots sponsored by Freedom Federal Credit Union upon completion of the Patriot Program in the 5th grade.

  • College Scholarships


    College Scholarships awarded to 7 Freedom members to pursue higher education.


1 If your account meets the criteria described below, you will earn 3.00% Annual Percentage Yield (APY) on balances up to $10,000 and 0.25% APY on balances of $10,000.01 and higher. Balances that do not meet the account requirements for a given month will earn 0.05% APY. No minimum balance requirements. No minimum to open account. No monthly maintenance fees or penalties. Fees may reduce earnings on accounts. To earn the higher rate, you must opt-in to electronic statements, and complete a minimum of 15 qualifying Point-Of-Sale (POS) purchase transactions per month using your Freedom Federal Credit Union debit card. To qualify, debit card transactions must process, post, and clear within the calendar month. Debit card transactions may take one or more business days from the transaction date to post to an account from the date the transaction is made. Both PIN and signature POS transactions qualify. ATM transactions do not qualify. Product and rates subject to change. Membership eligibility applies.

2 Not valid on mortgages, home equity lines/loans and credit card. All requests are subject to approval. Certain restrictions apply.

*Membership eligibility requirements apply. Offer available to new or existing members who add checking and a direct deposit of at least $50 per pay period. 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.