College Planning Seminar April 21

College Planning Seminar

Saving and Early Planning for Higher Education

Mark your calendar for our next seminar, a must see for parents!

This seminar provides ideas on how to save for college when your children are still young. Topics discussed include types of investment vehicles (eg., 529 plans, UTMAs, Coverdell IRAs), costs of college, and types of schools (trade school vs. traditional college vs. combination 2-year community college and 2-year bachelors). We will also address the time value of money and the effect of inflation on higher education costs. This seminar is designed for expecting parents and parents with young children.

Wednesday, April 21, 2021  
6:00 PM – 7:00 PM

Register TODAY! For Freedom’s FREE College Planning Seminar!

Perfect for parents with school age children or younger.

This free seminar offers expert advice from Freedom’s financial planning partner, The Kelly Group. Bring your questions and join us for an informative session…virtual edition!

Please register here, or call us at 1-800-440-4120 for assistance.


Home Buying Seminar March 6

Home Buying Seminar

Free VIRTUAL Home Buying Seminar

Mark your calendar for our next Home Buying Seminar on Saturday, March 6th, which will take place virtually.

Saturday, March 6, 2021
11:00 AM – 12:00 PM

Register TODAY! For Freedom’s FREE Home Buying Seminar!

This seminar will provide you with the knowledge of how the home buying and finance  process works and how to get to the settlement table with as little stress as possible.  Perfect for first-time home buyers, and includes important options for financing.

This free seminar offers expert advice from Freedom’s Mortgage Loan advisors and our Business Development team.  Bring your questions and some food and join us for an informative lunch & learn…virtual edition!

Please register here, or call us at 1-800-440-4120 for assistance.


Payment Protection Program Scams

PPP Scams

The Paycheck Protection Program (PPP) has been one of the most important pieces of legislation signed into effect since the COVID-19 pandemic began. The unsecured loans through the Small Business Association (SBA) have enabled our favorite retail shops, restaurants and small businesses to stay afloat, even as the coronavirus devastates sectors of the economy.

Not surprisingly, scammers have been using the PPP for their own purposes, mainly to con struggling business owners out of money. In these scams, they’ll pose as SBA representatives or legitimate lenders to ask for personal information from the borrower. They may also send bogus emails appearing to be from the SBA to lead the victim into downloading malware.

Scammers are getting smarter all the time, but so are we! Here’s how to avoid PPP scams:

Know how PPP loans are processed

Ready to apply for a PPP loan?  Fill it out the SBA PPP loan application, and submit it to an SBA-approved lender. You’ll also need to provide some documents, such as tax returns for 2019, verifiable payroll expense documents, your most recent mortgage or rent statement, etc.

If you’re applying for a Second Draw PPP Loan, you will also need documentation that shows how you have used, or plan to use, your original PPP funds.

After you’ve submitted your application, just sit back and wait for approval.

How can I protect my business from PPP fraud?


  • Be wary of any individuals demanding immediate payment or asking that you make immediate contact to be eligible for a PPP loan. These are likely scammers.
  • Only use a lender that is accredited by the SBA. You can find all SBA-approved lenders here.
  • Look for the .gov at the end of each email or website allegedly from the SBA or another government entity.
  • Report any suspected scams to the Better Business Bureau (BBB). Don’t let those crooks walk free!


  • Pay for a program that promises to process or expedite a PPP loan request if the organization behind the program is not accredited by the SBA.
  • Share any personal information with an unverified caller or email contact. If it’s personal info, make sure to keep it that way!
  • Click on links or download files from an unfamiliar email address.

Stay safe!

Freedom has made the Paycheck Protection Program available to its current members.  Applicants must have established a business or personal membership with Freedom on or before December 27, 2020.  Visit for more details. 

Your Turn: Are you a small business owner who has applied for a loan under the Paycheck Protection Program? Tell us about it on Facebook, LinkedIn,Twitter, or Instagram @FreedomFedCU.


Show Us Your Snow Day Pics

SHOW US YOUR Best Snow Day pics!

Win a $25 Amazon Gift Card!

#SnowDay Photo ContestLook for our #SnowDay Photo Contest on our social media pages starting February 2, 2021 running until Friday, February 5, 2021.

If you live, work, worship, or have family in Harford or Baltimore County…

1. POST your photo in the comments on our Facebook or Twitter post
(Or direct message @FreedomFedCU on Instagram)

2. FOLLOW our social media page

3. SHARE our social media post

We will draw a winner Friday, February 5, at about 3pm!

Visit us on Facebook, Twitter, or Instagram to get started.

Golden Apple Educator Award 2021

Now Accepting Entries for the 2021 Golden Apple Annual Educator Awards

Golden Apple Educator Awards

We are now accepting entries for this year’s Golden Apple Educator Award! Entrants must be a Freedom Member* and an employee at a Harford or Baltimore County school (public or private).



1. First Place – $2,000 Award
2. Second Place – $1,000 Award
3. First Runner-Up – $500 Award
4. Second Runner-Up $500 Award

To enter, submit an entry form and essay. The essay must describe how you would use the funds and why you should be the one to win! Scoring favors proposals demonstrating the greatest impact on local schools, classes, students, and/or the community at large.

Freedom Federal Credit Union is pleased to offer four Annual Educator Awards of $2,000, $1,000, $500 and $500 to Harford and Baltimore County Education Employees who may be a deserving teacher, school administrator or school support employee.

Scoring favors the idea with the greatest impact on local students, classes, schools, and/or the local community.

To enter, complete the entry form and submit an essay that explains why you deserve the award. Your essay may address any or all of the following questions:

  1. What is your plan to benefit your students, your class or your school? How will this money help you implement your plan?
  2. Will you take a continuing education class or classes to improve your own education and expertise? (Please be specific.) How will your education improve your students’ learning?
  3. Will you purchase supplies for your school or classroom? How will the supplies help improve student learning? (Please provide as many quantitative details as possible.)
  4. Will your plan, training, or purchases affect the Harford County Community? If yes, how so?

Please submit your Golden Apple – 2021 Educator Award Entry Form and essay to [email protected] by May 30.

All entries will be reviewed by a panel of Freedom employees, volunteers and community partners.

  • Entry deadline is May 30, 2021 (NEW EXTENDED DEADLINE!)
  • Submit by email to [email protected]
  • We will announce the winner by June 18, 2021



*New members are also welcome to apply! Membership must be established by May 30, 2021 to qualify.

Breathe 379 Wins Freedom Federal Credit Union’s #FreedomToHelpChallenge

Credit Union Awards $1,000 to Small Local Non-Profit to Support their Hope Center

Breathe 379 awarded $1000

Bel Air, MD – Freedom Federal Credit Union is pleased to congratulate Mike Nolan, Founder, Executive Director, and volunteer for Breathe 379, for winning the 3rd annual #FreedomToHelpChallenge.   The six-week social media contest called for entrants to post pictures celebrating Harford or Baltimore County volunteerism for a chance to win $1,000 and other weekly prizes for their local charity of choice.  Each week individual volunteers and non-profit organizations posted pictures showcasing local volunteerism in an effort that reached all corners of the two counties.  Weekly winners and the Grand Award winner were chosen during public voting periods on Freedom’s Facebook page.

“I have to be honest, I’m completely blown away by it.  I wasn’t even going to enter thinking we didn’t have a chance to win, but on a whim, I posted a submission of our amazing volunteers, and our supporters took it from there.  We are so grateful for the Freedom To Help Challenge, for giving us the opportunity to showcase and thank our volunteers, and for everything Freedom has done for us in the wake of winning, not just in donations, but with publicity for our cause,” stated Mike Nolan.  “This award will now allow even more members of our community and beyond to be served by Breathe’s Hope Center! Thank you, Freedom Federal Credit Union, for helping us help others!”

Officially founded in 2016, Breathe 379 is based in the simple notion of helping others, whatever the need.  Breathe’s Hope Center, based in Edgewood, Maryland, looks quite different from most food and clothing pantries, providing a relaxing environment and complimentary coffee bar to help ease stress and offer the hope that is very much needed in everyone’s life from time to time.  The organization is probably best known for their B379 Toy Drive, which distributes thousands of toys to local Harford County children in need during the holidays.

Mike Nolan and volunteers Nick Nizer, Vice President and Manager of the Well at Breathe, Bailey Alampi, Manager of Bailey Sue’s Country Market at Breathe, and Cheryl Andrews, Manager of The Cabin at Breathe, were all recently honored in a check presentation held at Breathe’s Hope Center with the $1,000 grand award.  The Hope Center is located at 2124 Nuttal Ave. in Edgewood, Maryland and is open each Wednesday from 10 a.m. until 2 p.m. and the second Saturday of every month from 12 p.m. until 4 p.m. Learn more at


About Freedom Federal Credit Union

Freedom Federal Credit Union is a community-chartered federal credit union offering consumer financial services to those who live, work, volunteer, worship, attend school, or have family in Harford or Baltimore County.  Additionally, Freedom offers a full-line of banking services for all businesses, associations, and other organizations that are based in Harford or Baltimore County.  Freedom has been in business since 1953 and has five locations throughout Harford County. To learn more, visit

Economic Forum

The 12th Annual Economic Forum – View from the Top

Presented By The Kelly Group

Business Loans


Please join our partners, The Kelly Group, along with Keynote Speaker, Anirban Basu, Chairman & CEO of Sage Policy Group, Inc., an economic and policy consulting firm in Baltimore, for this free, virtual event. Basu is one of the Mid-Atlantic region’s most recognizable economists. With wisdom, wit, and a keen economist’s grasp, Basu will focus on answering some of the top economic questions, on where we’ve been and where we’re headed—globally, nationally, statewide, and locally.

Click Here to register for this free event.

Wednesday, January 20th, 2021
6:30 pm – 8:00 pm

Registration for this free virtual seminar is required, and can be done ONLINE.

Estate Planning Seminars


Presented By Freedom Federal Credit Union

Foundations of Estate Planning

Beyond Estate Planning, How to Leave Your Greatest Legacy

Legacy Planning brings the human element into estate planning. What would happen to your loved ones if something should happen to you?  Would they have a process to follow? This seminar takes you beyond estate documents, discussing how you can convert chaos to clarity and closure. Legacy Planning follows a logical progression, and each participant will be given a workbook for planning purposes.  Legacy Planning is a dynamic process that is not hard—you just have to get started!   

Wednesday, January 13th, 2021
6:00 pm – 7:00 pm

Registration for this free virtual seminar is required, and can be done ONLINE.