Freedom Staffer Heads to Harford Leadership Academy

Developing Community Leaders

Congratulations to Stacie Sloan, SVP Member Services, who has been accepted into the 2017 class of Harford Leadership Academy.

In its twenty-seventh year, the Harford Leadership Academy is a Community Development Program, co-sponsored by Harford Community College and the Harford County Chamber of Commerce. The Academy is designed to promote the development of existing and emerging leaders and to create a committed, involved, and diverse network of leaders in Harford County. More than 850 individuals have completed this outstanding program, including leaders representing the areas of business and industry, education, government and civic organizations.

Stacie joins other Freedom employees and volunteers who have also graduated from the Academy: Board members George Heidelmaier (2000), Ronnie Davis (2009), Tony Belcastro (2011), and Rick Gerety (2016);
Employees: Mike MacPherson (2000), Dawn Hamilton (2005), Patrice Ricciardi (2013), Sue Manning (2014), and Bob Wehland (2016).

Military Saves Week Starts Feb 27

Military Saves Week is February 27 – March 4, 2017

As our way of giving back to the military and the APG community, we’re matching deposits up to $50 for new savings accounts!

This offer is available to:Military savse logo

  • All Department of Defense employees and contractors
  • Active duty, reserve, National Guard, and retired military personnel and their families

Whether you’re saving to reduce debt, buy a home or pay for a child’s education, this special match program could help you get a jump start on your efforts.

Freedom will match:

  • $50 for Adult savings accounts opened with a $50 deposit.*
  • $25 for Youth savings accounts opened with a $25 deposit.*
  • Match offer will be honored until March 15th!

Pledge to Save:

Be sure to take the pledge to build wealth – not debt! Go to to submit your pledge today!

Don’t miss out on this special savings match offer. Join Freedom with at least a $50 deposit to a savings account today!


*Bonus funds will be placed on hold and released for availability after 60 days. If after 60 days the new member account has not been activated, the funds will be withdrawn and no bonus will be paid out. This special is only available through March 15, 2017.

It’s Tax Time! Get Your Tax Documents

How to Get Your Tax Documents

  • If you have Electronic Statements (e-Statements)
    For members who have e-Statements, 1099s and 1098s are archived and available in Home Banking. Log in to Home Banking, click on “e-Statements”** and then select the tab for “Tax Forms” to view and/or print your document.
  • If you DO NOT have Electronic Statements (e-Statements)
    If you are not registered for e-Statements, your tax forms were mailed to the mailing address we have on file.

Not registered for e-Statements yet?  Simply log in to Home Banking, click on the e-Statements tab** and complete the registration steps to take advantage of this convenient service.

If you have any questions, please call us at 1-800-440-4120, or email


**Please be sure to disable your browser’s pop-up blocker to ensure our e-Statements page will load successfully for you.

Freedom Loses Long-Time Advocate

In Memory Of Hugo Biermann, 1940 – 2017

Hugo Biermann, former Freedom board member and chairman of the board, who was active in various committees, passed away January 7.Hugo-Biermann_color-edited

Retired Colonel Biermann was 77 and a resident of Bel Air. He was a 1958 graduate of Woodstown High NJ. He earned an AA Degree in Applied Science from Salem County Technical Institute, and in 1974, he graduated with a BS Degree from Wilmington College.

He retired in 1997 with 34 years of service as a civilian employee of the Department of the Army. He also served as an officer with the Army Reserve with 29 years of service.  He and his wife Elaine had two children, six grandchildren and one great-grandchild.

Hugo served as a volunteer on Freedom’s Credit Committee from 2000 to 2004. He was a member of the Board of Directors from 2004 through 2009. He served on the Supervisory Committee as Chairman from 2004 to 2006. He was a long-time member of Freedom.

Has Holiday Debt Left You Hungover?

Find a Cure with Our Debt Consolidation Loan!

Now’s a great time to pay that holiday debt and give yourself peace of mind.Holiday Debt Consolidation picture with sad looking bulldog

For example, if you have $1,000 to pay off, your monthly payment on a 12-month term would be $86.41, including $36.88 in interest over the term of the loan.**

Need more than $1,000 or longer to repay? No problem, you may qualify for a larger loan or longer term.

Let Freedom help you get out of debt so you can start a savings plan for the new year!

To apply, call 1-800-440-4120, go to,or stop by any of our five branches.


Some restrictions may apply. Rates available on approved credit. Not all applicants will qualify for the lowest rate.
* Rate available for a limited time offer with automated payment and e-Statement enrollment. The standard rate is 6.99% APR without automated payments and e-Statements.
** Monthly payment would be $58.57 if paid off in 18 months with $54.20 in interest, or $169.96 if paid in 6 months with $19.75 in interest.

Our New Site

We hope you like our new look as we focus on the Harford County community. Our new home page features a video at the top of the page and  our site posts are organized into three areas of focus, and “news”.

Community focus:

  • Volunteer Work
  • Financial Education
  • Sponsorships and Giveback
  • News (primarily information about events and products)

Other features:

  • The site log in reflects single-login access to credit cards through home banking.
  • This site also provides detailed information about all products, services, current rates, and alerts.
  • Action links help you apply for a loan, open an account, join as a new member, shop for a car, calculate a payment or project a savings balance over time.
  • You can also learn about the latest fraud alerts


We welcome your feedback. Send to

Start an IRA at 21, and Watch Your Savings Grow!

Why Start an IRA?

Say you save $100 a pay period, or $200 a month, in an IRA Share Certificate beginning when you’re 21. This account currently pays a 1.40% Annual Dividend Rate for a 60-month term.1 With the effect of compounded dividends over time, allowing principal to grow, by the time you’re 65 years of age, you’d have $145,829 for retirement.2,3 Add to this other investments and anticipated Social Security, and you have a nice start towards retirement!

1 $300 minimum opening deposit for all regular share and IRA certificate accounts

2 Fees could reduce earnings on the account

3 A penalty will be imposed for early withdrawal that could reduce earnings

Do-it-Yourself Password Reset

Easily Reset Your Home Banking Password

Starting November 15, members will be able to reset their own home banking passwords.

If you are locked out of home banking, you will receive a message similar to the one below.






If you have any questions about this new feature, please contact us at 1-800-440-4120, or