Life Through A Lens

I recently came across my old camcorder and video cassettes from the 90’s. There were videos of family (with some long passed), vacations, sports, birthdays and so on.  As I watched hours and hours of footage over several days, I couldn’t help but wonder how present I was in all that time.  Sure, I was capturing the moment, but was I in that moment experiencing the joy and wonder around me?

At the time you think you’re documenting something for posterity, something you’ll look at over and over to relive the experience, but do you?  Do the emotions you feel as you rewatch moments of your life and life around you compare to what you felt, or could have felt, as things happened?  I pondered this question and wondered if so much time living life through a lens was worth the recordings that have gathered dust for 30 years over what I may have missed if I was more invested in the moments that will never come again.

Today, like everyone else, I have a smart phone.  Gone is the camcorder replaced by the ability to take a picture, record a moment and share it immediately with the world if so inclined.

The equipment has changed, but the danger, because of the ease and immediacy, is greater.  I, unlike so many that are glued to their screen who can’t seem to experience anything without full documentation, have the benefit of hindsight from a different time.  I now know how to snap a quick pic or record a 10 second guitar riff, versus record for an hour only occasionally looking up.  I have learned that seeing it with my eyes, experiencing it, and remembering it, is more fulfilling and long lasting because if I do that then when viewed years from now, a single picture or brief clip will bring back that moment in a more meaningful way versus watching a long recording where you can hear your son in the background calling your name repeatedly and saying “watch me dad”.

At Freedom, we often talk about what’s truly important – family, community, meaningful connections and partnerships.  So, no matter what you’re doing, revel in your time with others, share moments that matter, and if you choose to memorialize them remember, less is more.  Don’t let your experiences be dependent on what or how much you can see or capture through a lens.  The best memories aren’t the ones we record; they’re the ones we feel.

Golden Apple Educator Awards – 2025

We are now accepting entries for this year’s Golden Apple Educator Award!

Entrants must be a current Freedom FCU or Atlantic Financial FCU Member* and an employee at a Harford County, Baltimore County, Baltimore City, or Carroll County school (public or private, PreK-12th).

now FEATURING

TWO $2,000 Awards  –  FOUR $1,000 Awards  –  FOUR $500 Awards

 

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

Freedom Federal Credit Union has once again increased the number of grant awards available, and is pleased to offer TEN Annual Educator Awards ranging from $500 up to $2,000.  Eligible applicants are Education Employees who may be a deserving teacher, school administrator or school support employee from a Harford County, Baltimore County, Baltimore City, or Carroll County school.

Scoring favors submissions with the greatest impact and creativity with a strong preference for ideas/initiatives that are sustainable over multiple years.

.TO ENTER: Complete the entry form and submit an essay that demonstrates the significance of your idea or initiative and how it will be beneficial. Your essay may address any or all of the following questions:

  1. What is your creative idea or initiative to benefit your students, your class, or your school? If you win this award, how will you make it happen using the funds from this award?
  2. How will your idea or initiative support or improve the learning experience of your students or benefit your classroom or school overall?
  3. Will your idea or initiative benefit the overall community? If yes, how so?

Please submit your Golden Apple – 2025 Educator Award Entry Form and essay to enter@freedomfcu.org by May 31, 2025.

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

  • Entry deadline is May 31, 2025 
  • Submit by email to enter@freedomfcu.org
  • We will contact award recipients by June 20, 2025

LEARN ABOUT THE EXCLUSIVE BENEFITS OFFERED TO OUR EDUCATORS- EXPLORE THE REST OF THE GOLDEN APPLE PROGRAM!

*New members are also welcome to apply! Educators that are members of Atlantic Financial FCU are now apart of our Freedom FCU family and are also welcome to apply.


Read About Past Golden Apple Awardees:

2024 Recipients
2023 Recipients
2022 Recipients
2021 Recipients
2020 Recipients
2019 Recipients

‘Twas Just Before Christmas

‘Twas just before Christmas and oh what a year
With changes a plenty, we move forward without fear;
The mission was set for a new beginning to start
And a time for each of us to play an important part.

The staff were all nestled tight in their chairs,
With goals to be met hanging high in the air;
And me in my office with bright Christmas tie,
Had just settled in knowing year end was nigh,

When out in the branch there arose such a clatter,
I sprang from my chair to see what was the matter.
Out through the door and to the railing I took
Then I leaned way over to get a good look.

The lights in the lobby and those on the tree
Gave a glow to the people and to all I could see,
When what, in amazement, should I finally spot,
But a sleigh and some reindeer out in the lot,

And a little old man running up to a teller,
That I just knew was dear Santa that jolly fat fella.
Faster than a cheetah to the line he did scurry,
And he appeared to be in a terrible hurry.

“Please help me, oh help me!” I heard him yell out
”I need some assistance,” he continued to shout.
“I’m short on supplies and my cash is depleted”
“I don’t know what to do and I’m feeling defeated.”

As I heard his plea I knew just what to do
But before I could blink into action staff flew.
To an FSR station he was gently escorted,
And a loan application taken so his problems be thwarted.

Then, in a twinkling, lending staff took the lead
And approved an amount that met all of his needs.
He was also provided other services like access online,
That made his life simpler and gave peace of mind.

His eyes started twinkling, his laugh grew quite merry
His cheeks got all rosy and his nose like a cherry;
He jumped to his feet and starting dancing around
And he ran through the branch with a leap and a bound.

“You’ve saved Christmas”, he shouted, “and not just for me,”
“But for everyone everywhere, just wait and you’ll see.”
I can restock supplies that have been so diminished
So the elves can be paid and the toys all get finished.

“But well beyond that, what means most to me,
Is you treated me with kindness, the way I wanted to be.
You asked about my needs and gave me just what was right
To ensure the success of my Christmas time flight.”

“It’s not always what you say or what it is that you do,
But the way you make a person feel that really shines through.”
He thanked everyone and rushed out to his sleigh
And said one more thing as he went on his way.

“Remember”, he bellowed, “it’s the experience folks remember”
“Don’t limit that to today or the month of December”.
Then we heard him exclaim, as he went out of sight,
“Happy Christmas to all, and to all a good night.”

2024-2025 Branch Closings Schedule

Please take advantage of our digital services when branch closings are in effect.

 

(End of) 2024 closures

Christmas Eve – Tuesday, December 24, 2024 (Closing at 1pm)

Christmas – Wednesday, December 25, 2024

New Year’s Eve Tuesday, December 31, 2024 (Closing at 1pm)

 

2025 closures

New Year’s Day 2025 – Wednesday, January 1, 2025

Martin Luther King Jr. Day – Monday, January 20, 2025

President’s Day – Monday, February 17, 2025

Memorial Day – Monday, May 26, 2025

Juneteenth – Thursday, June 19, 2025

Independence Day – Friday, July 4, 2025

Labor Day – Monday, September 1, 2025

Columbus Day (Indigenous Peoples Day) – Monday, October 13, 2025

Veterans Day – Tuesday, November 11, 2025

Thanksgiving – Thursday, November 27, 2025

Christmas Eve – Wednesday, December 24, 2025 (Closing at 1pm)

Christmas – Thursday, December 25, 2025

New Year’s Eve – Wednesday, December 31, 2025 (Closing at 1pm)

 

*Closed during normally posted operating hours unless otherwise marked.

 

FREEDOM ROCKS ’24: An Epic Night of Music, Fun, and Giving Back

Freedom Federal Credit Union and The Freedom to Help Foundation Sell Out 1st Annual Bull and Shrimp Roast in Support of Local Community Initiatives 
Air Guitar Contest at Freedom Rocks
Rockstar vibes took center stage as contestants shredded their way through the Freedom Rocks ’24 Air Guitar Contest, delivering electrifying performances that had the crowd cheering and the room buzzing. Credit: Lisa Snodgrass

November 26, 2024  Bel Air, MD Freedom Federal Credit Union, through The Freedom to Help Foundation, hosted its first-ever Freedom Rocks ’24 Bull and Shrimp Roast on Saturday, November 16th, raising over $21,000 to support its mission of enriching the community. The event brought together attendees for a night filled with food, fun, and philanthropy at Boumi Shriners in Rosedale, MD. 

The proceeds from the sold-out event will directly benefit The Freedom to Help Foundation, which provides critical resources to support education, health and wellness, and military families throughout the communities it serves, which now includes Baltimore City, Baltimore County, Carroll County, and Harford County. 

The evening’s festivities included highlights such as an air guitar contest, a glow stick party, a TapSnap photo booth, basket auctions, a money wheel, 50/50 raffles, and a playlist of the greatest rock hits from the ’70s, ’80s, and ’90s. Attendees, dressed in their best concert gear, embraced the spirit of the night and helped make the event a tremendous success. 

Every guest had an opportunity to visit the Freedom Rocks Merch Stand and select a complimentary Freedom Rocks T-Shirt to remember the night.  

Freedom Federal Credit Union extends its deepest gratitude to all the sponsors who contributed to making this event possible. Special thanks go to The Kelly Group (Headlining Sponsor), Velera, and The Baltimore Sun Media Group, whose generous support made a significant impact.  

Additional thanks go to the other event sponsors: Bravura, Community College of Baltimore County, MD|DC Credit Union Association, Elegant Restoration, Enradius, Harford Community College, Hartman Executive Advisors, Jones Junction, TB3, The Servion Group, Redmer Insurance Group, Kearly & Company, SIAB, Ben’s Tires, CBIZ Insurance Services, Dolphin Debit Access, Gerety Insurance, Global Memories Travel, Hopkins Farm Brewery, Origence, and Pixelspoke. 

The Freedom to Help Foundation, established in 2023, continues to fulfill its mission of empowering communities, providing resources for individual success, and supporting those in need. Events like Freedom Rocks ’24 demonstrate the power of community partnerships in driving positive change. 

For more information about The Freedom to Help Foundation, please visit freedomfcu.org/foundation. View additional photos from the event on Freedom’s Facebook page at facebook.com/freedomfcu 


About The Freedom to Help Foundation 

The Freedom to Help Foundation supports Freedom Federal Credit Union’s commitment to the people and communities of Baltimore and Harford Counties. Established in January 2023, the Foundation’s mission is to enrich the communities we serve, empower individual success through education, provide resources for health and wellness, and to support our military and their families. Learn more at freedomfcu.org/foundation. 

About Freedom Federal Credit Union 

Freedom Federal Credit Union is a community-chartered federal credit union offering business banking services and consumer financial services to those who live, work, volunteer, worship, attend school, or have family in Baltimore City, Baltimore County, Carroll County, and Harford County. To learn more, visit freedomfcu.org. 

Freedom Federal Credit Union Expands Field of Membership to Serve Baltimore City and Carroll County

Credit Union’s Field of Membership Now Includes Businesses and Consumers in Baltimore City, Baltimore County, Carroll County, and Harford County

August 28, 2024 – Freedom Federal Credit Union announced today that they received approval from the National Credit Union Administration (NCUA), regarding their request to expand the organization’s field of membership.  Effective immediately, Freedom membership is now open to businesses and any individuals who live, work, worship, volunteer, attend school, or have family in Baltimore City and Carroll County.  Prior to this expansion, Freedom’s field of membership included Baltimore County and Harford County.

Additionally, the Freedom Board of Directors unanimously approved and ratified the new charter.

“With NCUA’s approval, we can now provide what we call the ‘Freedom Advantage’, our unique credit union service offering, to serve a broader range of individuals and businesses, particularly those who have been underserved by other financial institutions,” stated Mike MacPherson, President and CEO of Freedom.

“Making Freedom membership available to all businesses and individuals in Baltimore City and Carroll County is part of Freedom’s long-term strategic growth plan,” continued MacPherson. “Over the years, many businesses and individuals from these areas have expressed a strong interest in partnering with Freedom and becoming members. We are confident that Freedom is exactly the kind of financial institution that Baltimore City and Carroll County have been asking for and need.”

Freedom Federal Credit Union was founded in 1953 as MATCOM Federal Credit Union. The Credit Union started in Baltimore and later moved to Harford County in support of the Edgewood Arsenal, which became part of Aberdeen Proving Ground. Freedom received their Harford County community charter in 1999 and changed their name to Freedom Federal Credit Union in 2000. The expansion of their charter to Baltimore County was ratified in July 2020.

“The Board of Directors saw the vision and strategy of expanding into Baltimore City and Carroll County, and enthusiastically approved the new charter,” stated Lisa Ermatinger, Chair of the Freedom Board of Directors.  “Because credit unions are financial cooperatives, the health and strength of the organization is dependent on its members actively engaging and using its products and services.  The more members that are an active part of Freedom and that use our products and services, the better the ability we have to offer lower cost loan options, higher deposit rates, less fees, better technology and access, and more community support.”

As part of the expansion, Freedom will look at all options with respect to new physical locations throughout its entire field of membership, as well as how to best leverage technology for those who prefer to conduct business electronically.

READ THE MEMBER COMMUNICATION


About Freedom Federal Credit Union

Freedom Federal Credit Union is a community-chartered federal credit union offering business banking services and consumer financial services to those who live, work, volunteer, worship, attend school, or have family in Baltimore City, Baltimore County, Carroll County, and Harford County. To learn more, visit freedomfcu.org.

Special Announcement from Freedom’s President and CEO

August 28, 2024

Dear Freedom Members,

Back in March of this year, I announced to you some very exciting news about our intention to merge Atlantic Financial Federal Credit Union (AFFCU) into Freedom Federal Credit Union.

Since then, a lot has been going on behind the scenes in support of the merger. I would like to update you now on one of those initiatives.

One of the first steps in the merger process was to ensure the field of membership (FOM) charters for both AFFCU and Freedom FCU matched identically. As a result, in May, we formally requested and applied to our governing body, the National Credit Union Administration (NCUA) to expand our FOM to include Baltimore City and Carroll County, in addition to our existing charter which includes Harford County and Baltimore County.

I am pleased to inform you that the NCUA has approved the FOM expansion request. Your Board of Directors have also unanimously approved and ratified the new field of membership charter.

Effective immediately, in addition to Baltimore County and Harford County, Freedom FCU membership is now open to businesses and individuals who live, work, worship, volunteer, attend school, or have family in Baltimore City and Carroll County.

With NCUA’s approval, as well as Freedom Board of Directors’ approval, we can now provide “The Freedom Advantage”, our unique credit union service offering, to the greater Baltimore City and Carroll County communities.

Why is this Important?

  1. The new Field of Membership (FOM) Charter enables us to serve a broader range of individuals and businesses, particularly those who have been underserved by other financial institutions. With Freedom’s comprehensive financial products, services, and accessible technology, we can now better meet their needs and help them thrive.
  2. With the ability to reach more individuals and businesses, we can make a larger, more positive impact on the financial well-being of the communities we serve.
  3. By expanding our reach, this is an opportunity for Freedom to help more people achieve their financial goals, and in turn, help us reach our strategic and growth goals.

Why did Freedom want to expand its Field of Membership?

Making Freedom membership available to all those who live, work, worship, volunteer, attend school, or have family in Baltimore City and Carroll County is part of Freedom’s long-term strategic growth plan.

Over the years, many businesses and individuals from these areas have expressed a strong interest in partnering with Freedom and becoming members. We are confident that Freedom is exactly the kind of financial institution that Baltimore City and Carroll County have been asking for and need.

How does this benefit current Freedom members?

Because credit unions are financial cooperatives, the health and strength of the organization is dependent on the membership being engaged and utilizing its products and services.  The more members that are an active part of Freedom and that use our products and services, the better the ability we have to offer lower cost loan options, higher deposit rates, less fees, better technology and access, and more community support.

Our expansion into Baltimore City and Carroll County will allow Freedom to provide our unique financial product and service offerings to more consumers and provide a much-needed financial alternative to the big banks.  In doing so, we will be able to increase our membership, and the ability to serve all our members, and our shared communities better.

Freedom has been a strong financial partner to our members for 71 years, and we look forward to being an even better partner with this new FOM Charter.

We will continue to share information and details about this exciting new chapter for Freedom and its membership, and where we go from here.

I ask that if you have family, friends, or coworkers who live, work, study, volunteer, worship or have family in Baltimore City or Carroll County, please help us spread the news of who we are and share with them your experience with Freedom. We can’t wait to meet them!

Thank you all for your ongoing trust and confidence in Freedom Federal Credit Union.

Sincerely,

CEO Signature

Michael MacPherson
President and CEO
Freedom Federal Credit Union

Freedom Federal Credit Union Selects Eight Educators as their 2024 Golden Apple Recipients

Educators from across Harford and Baltimore Counties Were Honored on August 13

2024 Golden Apple Recipients

Freedom Federal Credit Union awards grant funds to its 2024 Golden Apple Annual Education Award recipients (L to R): Sara Shoemaker, Lauren Byrd, Sue Nickerson, Jen Olkowski, Savannah Yoder, Lisa Shipley, and Janet Bond. Not pictured: Christopher Hedges

August 26, 2024 –  At a reception held at Mountain Branch in Joppa on Tuesday, August 13, 2024, Freedom Federal Credit Union honored Ms. Sue Nickerson and Ms. Jen Olkowski, as the grand award recipients of the Credit Union’s 2024 Golden Apple Annual Educator Awards. The program, now in its thirteenth year, offers eight annual educator awards of $2,000, $1,000, $500 and $500, four each to Harford and Baltimore County education employees who may be a deserving teacher, school administrator or school support employee.  Golden Apple Award applications are evaluated by a panel of judges made up of Freedom employees, directors, and community leaders from both counties.

The two top grant awards both went to educators who envisioned ways to creatively utilize the outdoor spaces of their respective schools.

Ms. Sue Nickerson, a 1st grade teacher at Fountain Green Elementary School in Bel Air, is using her $2,000 grant award to build a kinesthetic sensory path around the school.  This intentionally designed “Warrior Challenge” obstacle course will support learning experiences by helping young students relieve stress caused by school anxiety, increase their sense of balance, refine their gross motor skills, and help develop their ability to focus as they learn to persevere during the challenges.

Like Ms. Nickerson, Ms. Jen Olkowski, also recognized the importance of making the most of natural spaces, and applied for a grant that would extend the walls of their classrooms. Ms. Olkowski, accepted the $2000 award on behalf of St. Stephen School to create a Montessori/STEM style outdoor learning center for their elementary students. Featuring opportunities for hands on experiments and simulations for project-based learning that aren’t easily accomplished in a traditional classroom space, students will have an accessible outdoor space that contains materials to build, engineer, design, tinker, mimic and solve real-life problems.

Freedom’s Golden Apple Award judges elected to present $1,000 awards to Ms. Savannah Yoder of Perry Hall High School in Baltimore County and Ms. Lauren Byrd of Hickory Elementary School in Harford County. Ms. Yoder is using her award to fund calming boxes to provide students experiencing difficult emotions with an outlet along with additional mental health events at Perry Hall Middle and High Schools.  Ms. Byrd is also thinking “inside the box”, as she is investing in classroom transformation tubs, filled with most of what teachers would need to transform their rooms according to several themes at Hickory Elementary.

Four additional recipients were awarded $500 grants. In Baltimore County, Lisa Shipley, Career Navigator for Dundalk High School, is using her grant to expand service projects undertaken by the school’s Leader Academy. Meanwhile, Ms. Janet Bond, who works exclusively with deaf and hard-of-hearing students at White Oak School, is aiming to enrich her classroom and library with inclusive resources that better represent the disabilities of her students.

In Harford County, $500 grants were awarded to Mr. Chris Hedges, 1st Grade Teacher at Havre de Grace Elementary School, along with Sara Shoemaker, a Spanish Teacher at Emmorton Elementary School.  Mr. Hedges, who was represented at the awards reception by his colleague, Ms. Eileen Friel, has plans to create a native pollinator garden so that students can learn about pollination and the importance of insects to the foods we grow. Ms. Shoemaker is the county’s first ever Kindergarten Spanish Immersion Teacher, piloting a new program designed to teach Spanish to the school’s youngest learners. She is looking to use her grant award to create an immersive play experience for her students, pulling inspiration from Disney’s Encanto and Hispanic culture.

Carmen David Mirabile, Senior Vice President of Growth Strategies for Freedom Federal Credit Union, hosted and emceed the reception.  “Today, we’ve come together to recognize and celebrate eight educators who are not only dreaming big but also turning those dreams into reality. These educators are trailblazing new paths with their innovative ideas and initiatives and helping to redefine what it means to teach in 2024 and beyond. I am extremely honored for Freedom to be able to support these initiatives, and help bring them to reality,” stated Mirabile.

Ben Richardson, Assistant Superintendent for Human Resources at Harford County Public Schools (HCPS), offered opening remarks to the attendees. “First and foremost, a special thank you and appreciation to our community partner, Freedom Federal Credit Union. The innovation and sheer dedication from this year’s recipients are truly amazing and I wish to congratulate all the 2024 Golden Apple awardees on behalf of Harford County Public Schools,” stated Richardson.

Dr. Racquel Jones, Chief of Schools for Baltimore County Public Schools (BCPS), was also in attendance and offered closing remarks to the attendees. “I know in Baltimore County – and I’m sure in Harford County schools as well – we’re in the thick of back-to-school plans. We have a big year ahead of us all. Best wishes to everyone, congratulations to our Golden Apple recipients this afternoon, and good luck for a bold, successful, and rewarding new school year,” said Jones.

In addition to the guest speakers, Freedom was honored to bring together many special guests including the awardees, their families, school administrators, HCPS Superintendent Dr. Sean Bulson, HCPS Principal of the Year Ron Wooden, and HCPS Teacher of the Year, Erica Richardson, and several members of local government.

The annual awards are intended to support Freedom Federal Credit Union members who are employed at a Harford County or Baltimore County school and have a creative vision for education that can only be met with community support.  All applicants were asked to submit an essay demonstrating how their idea would serve their students, class, school, or their local community.


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 and Baltimore Counties.  Additionally, Freedom offers a full line of banking services for all businesses, associations, and other organizations that are based in Harford or Baltimore Counties.  Freedom has been in business since 1953 and has six locations throughout Harford and Baltimore Counties. To learn more, visit freedomfcu.org.

About Baltimore County Public Schools

Baltimore County Public Schools, the nation’s 22nd largest school system, is focused on raising the bar and closing gaps to prepare our students for the future. Thanks to innovative and talented leaders, teachers, staff, and students, BCPS celebrates many honors.

About Harford County Public Schools

The mission of Harford County Public Schools is that each student will attain academic and personal success in a safe and caring environment that honors the diversity of our students and staff.  The vision of the Board of Education of Harford County is to inspire and prepare each student to achieve success in college and career.