Freedom Federal Credit Union Donates $10,000 to MD Food Bank to Aid SNAP Benefit Families

Freedom FCU’s donation comes just as SNAP benefits stop for millions of Americans

Freedom Donates 10K to MD Food Bank — The check presentation took place in the massive 93,000 sq ft warehouse of the Maryland Food Bank in Baltimore (L to R): Mike MacPherson, President and CEO of Freedom Federal Credit Union; Mary Wright, Director of Corporate Philanthropy at Maryland Food Bank; Lisa Snodgrass, Director of Business Development at Freedom FCU; and Carmen David Mirabile, Chief Growth Officer of Freedom FCU.

November 7, 2025 – In response to the suspension of SNAP benefits effective November 1, 2025, Freedom Federal Credit Union, through The Freedom to Help Foundation, is proud to announce a $10,000 donation to Maryland Food Bank to provide immediate relief to households that will be impacted. This contribution will help provide approximately 10,750 meals for nearly 700 households across Maryland.

“At this critical time, Freedom Federal Credit Union’s generous gift will help the Maryland Food Bank bridge the gap and provide nutritious meals to neighbors across the state,” remarked Elise Krikau, Chief Philanthropy Officer at the Maryland Food Bank. “We are profoundly grateful for your partnership and care for our community.”

“With so many community members facing uncertainty as SNAP benefits pause, we saw an opportunity to join forces and make meaningful impact,” said Mike MacPherson, President & CEO of Freedom Federal Credit Union. “At Freedom, our mission is rooted in uplifting our community. In this moment of uncertainty and need, that community needs our support—not just as a financial institution, but as a trusted partner and neighbor. We may not be able to eliminate the need, but we can do our part.”

Through this donation, Freedom is supporting the Maryland Food Bank’s efforts to extend access to nutritious food, reduce food insecurity, and strengthen community wellbeing during this critical moment. As families adjust to the discontinuation of SNAP benefits, there is sure to be an increased demand for food assistance. To donate to the Maryland Food Bank, please visit mdfoodbank.org.

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. Freedom was founded in 1953 and currently has eight locations throughout Harford and Baltimore Counties. To learn more, visit freedomfcu.org.

About The Maryland Food Bank

The Maryland Food Bank works to provide food to vulnerable Marylanders and collaborates with hundreds of food pantries and outreach programs statewide to address hunger, build resilience and foster community.

Government Shutdown Assistance

Freedom Is Here to Help During the Government Shutdown.

We understand that this may be a difficult time if you are a Federal Employee or Federal Contractor impacted by the recent government shutdown.

If you need us, Freedom is here to help*:

Low, fixed-rate Anything Loan with expedited approval process
Low, fixed-rate Debt Consolidation Loans or Lines of Credit
Waived fees for Skip-A-Pay requests on qualified loans**
90 day deferral options on qualified loans**
Reduced rates on share secured loans
Expedited credit decisions on Freedom credit card line increases
Free, one-on-one personalized financial guidance, debt management services, and financial education tools through our partnership with KOFE.

Please visit us at one of our Branches or Contact Us to see how we can be of assistance to you. Freedom is here to help you through this difficult time.

Additionally, Freedom members impacted by federal job loss may be eligible for a no-interest loan through the Maryland Department of Labor’s Federal Worker Emergency Loan Program. This loan program offers a zero-interest $700 loan to eligible Maryland residents.

Learn more about the Federal Worker Loan Program.

*Certain restrictions apply. Subject to credit approval. Federal Government or Federal Contractor employment verification required.
** Interest will continue to accrue on a daily basis during the month(s) the payment is skipped.

You vs We

Many companies use “you” in their marketing or even in their names. It has been said that “you” is widely considered a powerful and persuasive word because it creates a strong connection and personalizes the message by focusing on the recipient’s needs and emotions. We’ve certainly used it to demonstrate our focus on, and commitment to, the members. I must admit, however, while a necessary part of our communications, I don’t believe it is more important than “we” especially when it comes to the Freedom philosophy.

At Freedom, “we” is more than just a word. It’s the foundation of everything we do. It means we’re in this together, not as customers and a company, but as members of a community, working side by side to build something better. “We” represents shared goals, mutual support, and a collective commitment to financial well-being. Every success story, every new home, every college fund, every small business loan is not just about one person. It’s about all of us. Because when we say “we,” we’re talking about you and us — together. We listen. We care. We grow — as one. That’s the credit union difference. That’s the power of we.

With that in mind, I want to say how excited I am that “we” are having our first all day, all employee, development day. I know we’ve had smaller meetings to share information, answer questions and just spend time together in a meaningful way, but this day is something I’ve thought about for some time. It’s always been a logistical nightmare to coordinate and a costly proposition to bear, but something I knew held great potential for organizational development and team building if we could just pull it off. You can imagine how happy I am that we found a way.

I know this is new and maybe a little daunting, so I want to stress not just the importance of the day, but how this is about our commitment to you. We intend this to be educational, fun and provide a meaningful experience with a lasting impact. As I’ve said to many of you over the years, you’ll get out of it, what you put into it, so come with an open mind, a positive attitude and we’ll do the rest. I look forward to spending the day with you and learning together.

Shoulda, Woulda, Coulda

I’m sure it’s happened to all of us. We look back and say, “if I only knew then what I know now”. We ponder over past decisions wishing we had gone left instead of right, chosen one path over the one we took, tried this or avoided that. All that second guessing. Truth is each choice we made led us to where we are. Good, bad or indifferent, here is where we are and worrying about what could have been, serves no useful purpose. We make decisions with the information at hand, by instinct, through experience, and maybe a touch of desire, but we make them, believing it’s right at the time. We do the best we can with what we’ve got and with good intentions.

It’s the same thing at Freedom. We have a great team continuously looking for ways to make things better for our members, our employees, and our community, We gather data, do research, discuss (sometimes ad nauseum) and then we make the choices we think are in the best interest of all concerned.

As we navigate the final stages of the merger over the next few months, rest assured there are a lot of people working diligently to maximize the benefit while minimizing the impact. As with any endeavor such as this, there will be challenges but they won’t be the result from a lack of effort on our part.

I think the quote by the poet Robert Burns sums it up. “The best-laid schemes o’ mice an’ men gang aft a-gle” (the best-laid plans of mice and men often go awry) which means no matter how much one plans, external factors can disrupt and derail those plans. It serves as a reminder of life’s unpredictability and the need for flexibility. It’s not about perfection it’s about progress, and Freedom continues to progress in support of our mission and all those we serve.

Why We Do What We Do

I spend a lot of time talking about the emotional side of what we do, how helping people and supporting the community matters. I believe doing what is right is not only essential to our mission but good for our world. I can go on and on about this, but I thought it was time I talked about the “business” side of why we do what we do by focusing on the value consumers place on their financial institution’s commitment to and support of the community and how they view it as a strong indicator of the institution’s values and trustworthiness. So, here’s why Freedom’s community support is so meaningful:

Builds trust and loyalty: When Freedom actively supports local charities, sponsors community events, or invests in local businesses, it creates a sense of shared values with members and prospective members. This fosters an emotional connection that goes beyond just providing financial services, leading to greater trust and loyalty.
Enhances reputation and brand image: Consumers are increasingly conscious of social and environmental issues. When Freedom demonstrates a genuine commitment to social responsibility we are perceived more favorably, enhancing our brand image and reputation within the community.
Creates a sense of shared purpose: For many consumers, especially younger generations like Gen Z, the purpose of businesses extends beyond profit to include serving communities and society. Banking with an institution like Freedom that actively gives back allows people to feel that their financial choices are contributing to a positive social impact, aligning their personal values with their financial decisions.
Differentiates from larger institutions: Credit Unions, in particular, are recognized for their deep roots in local communities and commitment to social responsibility. In an era where larger banks may be perceived as impersonal, Freedom’s community focus can be a significant draw for those seeking personalized service and a sense of belonging.
Impacts satisfaction and engagement: Research indicates that positive corporate social responsibility beliefs significantly impact member satisfaction and commitment. According to The Financial Brand, 93% of consumers who said their financial institution was generous with charitable contributions were very satisfied or extremely satisfied with their primary provider.

Example of specific actions that resonate with members and prospective members:

Financial literacy programs: Offering workshops, seminars, or resources to help individuals and businesses better understand financial management fosters a sense of empowerment and positively impacts the perception of Freedom’s efforts.
Supporting local businesses and promoting homeownership: Providing loans and financial services tailored to the needs of the local economy strengthens the community and demonstrates Freedom’s commitment to local growth.
Volunteerism and participation in community events: Beyond financial donations, active engagement through employee volunteerism and hosting community events deepens the connection between Freedom and its members/prospective members.

Freedom’s involvement in the community is far more than just a public relations exercise. It directly influences consumer perceptions, fosters trust and loyalty, strengthens relationships, and plays a crucial role in member satisfaction and long-term success which, in turn, fuels our success and multiplies our ability to give back. Simply put, what we do, how we do it and why we do it matters.

Ten Educators Honored With Freedom Federal Credit Union’s 2025 Golden Apple Awards

Educators from across Harford and Baltimore County/City Were Recognized on August 13

Freedom Federal Credit Union awards grant funds to its 2025 Golden Apple Annual Education Award recipients (L to R): Rhea Butler, Julia Bailey, Michelle Curry, Mike Homishak, Jessica Todd representing Lisa Brown, Tara Recor, Melissa Berardelli, Amanda Coyne representing Lindsey Gilmour, Melissa Adler representing Taylor Herring, and Jim Renaud.

August 19, 2025 – Freedom Federal Credit Union honored ten local educators at its 14th annual Golden Apple Awards reception, held at Mountain Branch Grill & Pub in Joppa, Maryland on Wednesday, August 13. Established in 2011, the Golden Apple Awards provide grants to help educators bring innovative classroom and schoolwide initiatives to life and enhance student learning.

This year marked the first time the program expanded beyond Harford and Baltimore Counties to include educators from Baltimore City. Freedom also increased the number of grants awarded, presenting ten awards totaling $10,000: two at $2,000, four at $1,000, and four at $500.

The top $2,000 awards went to educators using podcasting technology to give students new ways to learn and lead. Tara Recor of Prospect Mill and Emmorton Elementary Schools in Harford County will implement podcast-powered “learning walks,” blending physical activity with academic enrichment. Taylor Herring of Chesapeake Terrace Elementary in Baltimore County is launching a student-led podcast that will build confidence, communication skills, and leadership opportunities across her school community.

At the $1,000 level, educators are focusing on STEM innovation and sustainability. Jim Renaud of Western Tech High School in Baltimore County will expand engineering opportunities to spark creativity and confidence in his students. Mike Homishak of Aberdeen High School in Harford County gained support for his two newly launched electives in Bacteriology and Zoology, allowing students to experience college-level science in high school. At Edgewood Elementary, Lisa Brown will create both a mobile Makerspace cart and a permanent Media Center station, bringing hands-on STEM to every student in her school. And in Baltimore City, Julia Bailey of Darchei Noam Montessori is co-leading a schoolwide environmental sustainability program that brings science and horticulture to life.

Finally, the $500 awardees are tackling innovative ways to support the whole child and connect learning beyond the classroom. In Baltimore City, Rhea Butler of Success Academy West will establish a calming Wholeness Room to give students and staff a safe space to recharge emotionally. Melissa Berardelli of C. Milton Wright High School in Harford County is bridging algebra with the real world, using motion analysis and data science to show the power of math in everyday life. At Hall’s Cross Roads Elementary in Harford County, Lindsey Gilmour is creating take-home learning kits to empower IEP students and strengthen school-to-home partnerships. And at Patterson Mill High School, Michelle Curry is building a more tactile and engaging pre-school space where her students can gain hands-on experience in early childhood education.

“Each of these educators has taken a bold idea and transformed it into an opportunity to inspire, empower, and support their students,” said Mike MacPherson, President and CEO of Freedom Federal Credit Union. “For fourteen years, the Golden Apple Awards have been a way to give back to the people who dedicate their lives to shaping our communities’ future, and we are proud to continue growing this program.”

The program opened with remarks from Councilman David Marks of Baltimore County, a strong advocate for the awards since their expansion into his community. “As an educator and as a Councilman, I know that partnerships are key to achieving academic success. Just as teachers need to build partnerships with parents to help students, schools need partnerships with the private sector to often get things done,” Marks shared. “Freedom Federal Credit Union deserves a Gold Star for its outstanding support of our teachers and schools.”

Closing remarks were delivered by Dr. Eric Davis, Deputy Superintendent for Operations at Harford County Public Schools, who spoke about the essential partnership between HCPS and Freedom Federal Credit Union. “Freedom Federal Credit Union continues to be an extraordinary partner to Harford County Public Schools,” said Dr. Davis. “They go above and beyond for our staff and students, consistently stepping up whenever there is a need. The Golden Apple Awards are just one example of how Freedom helps spark innovation and encourages educators to dream bigger for their students. We are deeply grateful for Freedom’s ongoing investment in the people who make the greatest difference in our schools.”

Freedom also recognized key partners, including Clever Cat Marketing for the event’s centerpieces, and Comcast and The Maryland Ad Network for helping to promote the program to schools and educators across the region.

In addition to the guest speakers, Freedom was honored to bring together many special guests including the awardees, their families, school administrators, and HCPS Teacher of the Year, Shelby Hultquist, and several members of local government and the HCPS Board of Education.

The annual awards are intended to support Freedom Federal Credit Union members who are employed at a Harford County, Baltimore County, Baltimore City, or Carroll 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. To apply for a Golden Apple Award or learn more about the other benefits for educators offered by Freedom, visit freedomfcu.org/golden-apple/.

About Freedom Federal Credit Union

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.

Spring Mortgage Days

Get a free onsite mortgage consultation with Freedom’s Mortgage experts! These one-on-one discussions will give you a:

Custom mortgage analysis
Step-by-step guide to the mortgage process
Explanation of your home equity options
Free, easy mortgage prequalification

Stop by the branch most convenient to you – timed appointments are available, but not necessary. We’re excited to talk with you!

Mortgage Days Schedule:

June 3, honeygo

Perry Hall Branch
5000 Honeygo Center Drive, Perry Hall, MD

REGISTER

June 5, Edgewood

APG South Branch
8213 Hoadley Road, Gunpowder, MD

REGISTER

June 10, hunt valley

40 Schilling Rd, Hunt Valley, MD

REGISTER

June 12, PIKESVILLE

1809 Reisterstown Road, Suite 151 Pikesville, MD

REGISTER

What’s In a Name?

One of the harder things about our merger—and the time it will take to finalize—is the occasional need to refer to one credit union or another by name as a separate entity when we are really one. Yes, certain systems and aspects cannot be completely transitioned until year end, but the mere reference of two names, at times, feels like it drives a wedge between us.

I also recognize for the members and team of (taking my lead from Prince) “The Credit Union Formerly Known as AFFCU,” this can be confusing because the impact is more significant, the change more tangible. Despite how good the change or how it will benefit everyone long term, not truly being “complete” can be a tad unnerving and may cause uncertainty or anxiety.

It’s important, therefore, to stress that we are, without question, all Freedom. We are, therefore, working hard and fast to bring as much together as possible to alleviate concerns.

It’s also important to realize that it’s not the name alone that defines us. Yes, a business needs a legal name to operate under, a name with which to build a brand and reputation. However, it’s what we do that makes our name. It’s how we serve our members, support the community and provide for our team members so they can, in turn, serve and support.

It is our words, actions, and deeds that matter most. So, as we grapple with the bits that create a temporary separation, let’s focus on what unites us: that we’re all in this together, that we share the same goal, that we are “one Freedom.”