Your Loan Payment. Your Way.

Introducing a New Freedom FCU Payment Portal

Freedom is pleased to introduce a new easy-pay option for you, our members, to make one-time payments on your Freedom-issued loans. The new Freedom Federal Credit Union. Payment Portal is a self-service tool that allows you to make one-time loan payments using debit cards from another financial institution. Pay via Express Pay as a guest or register to make a payment more quickly in the future and view your pending payments along with past transactions.

First time users will need to provide their 4–6-digit member number, loan suffix, last 4 digits of the loan holder’s social security number, birthdate, and an email address to authenticate the loan. Skip this step next time, by registering with the portal. Payment information does need to be entered with each use.

Once in the Payment Portal, use a Mastercard or VISA debit card to make up to a $5,000 payment on your Freedom loan. There is no fee for members to use the Payment Portal, which can be used on any Freedom-issued loan (excluding credit card bills and first mortgages). For a same day payment, please submit your payment on the portal by 5 pm (EST). After 5pm (EST), the payment will be posted the following business day.

Members may access the Payment Portal here or find it under our FAQ: “HOW CAN I MAKE MY LOAN PAYMENT?”

At Freedom we offer many other convenient ways to pay your loan:

Online/Mobile Banking: You can make one time or recurring automatic payments from your Freedom account by using the transfer feature in Online/Mobile banking. You can also pay your loan from another financial institution using online/mobile banking. Click here for more information on making a transfer from another financial institution.

Recurring ACH Payments: You can set up recurring payments from another financial institution by completing this ACH authorization form, calling us at 1-800-440-4120 or visiting any branch location.

Debit Card Payment: You can make your loan payment using a debit card through our self-service Payment Portal. Payments by debit card can also be processed by calling us at 1-800-440-4120 or visiting any branch location.

In Person: You can make your loan payment using cash, check or debit card by visiting any branch location. Checks and cash are accepted for loan payments through the night drop.

At Freedom Federal Credit Union, we strive to make your experience with us exceptional. To provide us with additional feedback or to ask us questions about our new Payment Portal service, please email us at [email protected] or call us at 1-800-440-4120.

Freedom Federal Credit Union Relocates Branch in Havre de Grace

The New Swan Creek Location in Ames Plaza Shopping Center Officially Opens on April 26^th

New Swan Creek Location in Havre de Grace — Freedom Federal Credit Union’s new Swan Creek Branch is conveniently located in Havre de Grace on Pulaski Highway close to Aberdeen, APG, and many local Havre de Grace businesses and residential neighborhoods.

Havre de Grace, MD – Freedom Federal Credit Union will be relocating their Swan Creek branch in Havre de Grace branch to a new full-service location less than half a mile away. The new Swan Creek branch will be located at 2025 Pulaski Highway in Ames Plaza Shopping Center, adjacent to Seidenberg Protzko Eye Associates, Harford County’s Office of Economic Development, The GroundFloor, Swan Creek Veterinary Clinic, Upper Chesapeake Health Outpatient Offices, among many other local businesses.

The branch features a full-service lobby and a two-lane drive-thru, a 24/7 drive-up ATM, a free coin machine for members, provides ample parking, and allows for easy traffic flow and access. Financial Service Representatives will be in-person, and onsite, to support all business and individual banking needs.

Emily Abts has been appointed the location’s new Branch Manager. Abts has been a Freedom team member for almost seven years, most recently serving as Assistant Branch Manager at the former Swan Creek location in Havre de Grace since 2021. Abts has earned a reputation for her cheerful disposition and reliable expertise.

Abts and her team are looking forward to the move. “The new branch is going to be a real bonus to our members,” stated Abts. “It’s more accessible, and I know our members are going to appreciate the efficiency and ease of having a drive-thru, along with all the other amenities we’re planning to offer at our new location.”

“We want our members to know that we’ve listened to their feedback and are committed to exceptional member service. This new branch is absolutely a reflection of that commitment. We can’t wait to see our friends, old and new, walk through the doors and see it for themselves,” commented Abts.

Thanks to the branch’s larger footprint, Freedom is planning to offer a wider array of financial services to its members. Those plans will be finalized in the coming months. The branch will hold its first Community Shred Day from 9am – 12pm on Saturday, June 3^rd, where anyone can bring up to four boxes of financial documents to safely shred on site for free. The Credit Union will also be hosting a family-friendly celebration in honor of its grand opening and celebrating 70 years of service to the community on May 20^th from 10am-1pm.

The new branch will be open on April 26^th at 9am. In preparation for the move, the former location in the Swan Harbor Village shopping center will be closed April 24^th and April 25^th.

“Even as we continue to invest in technology that makes access to banking easier and more available from anywhere, we have not lost sight of the importance of the human connection,” Mike MacPherson, Freedom’s President and CEO, shared in a statement. “The relocation of our Swan Creek branch to a bigger and better location is part of our commitment to enhance and provide the best in-person member experience.”

Favorite Things

You know what some of my favorite things are? When two people are walking down the sidewalk side by side and another couple approaches also walking side by side, I like when someone from each pair goes in front or behind the other, single file, so passing is easy. I like it when I see people walking through a parking lot, picking up trash and properly disposing of it even though it isn’t their trash.

Know what else? I like it when you hold a door for someone, and they say thank you or when you let someone in in front of you while driving and they give you a wave of appreciation. I think I like these things more than ever because they seem to be getting rarer and rarer. They shouldn’t be rare. They should be commonplace, common courtesy, common sense, whatever you want to label it.

It sometimes seems human beings have become an entitled bunch. Can’t get to the front fast enough, can’t wait, can’t understand, can’t talk, can’t empathize. As the Beatles song goes, “All through the day, I, me, mine. I, me, mine, I, me, mine”. I realize that doesn’t apply to everyone, but it sure seems more frequent than ever.

That’s why, at Freedom, we emphasize the little things. A greeting, a smile, a pleasant tone, a commitment to help, to serve and deliver a positive experience even if the face of difficult times. We can’t change the world, but we can do our part, and by our example, we encourage others to do the same.

2023 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. TWO First Place – $2,000 Awards
2. TWO Second Place – $1,000 Awards
3. TWO First Runner-Up – $500 Awards
4. TWO Second Runner-Up $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 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 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.

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:

What is your plan to benefit your students, your class or your school? How will this money help you implement your plan?
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?
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.)
Will your plan, training, or purchases affect the Harford County Community? If yes, how so?

Please submit your Golden Apple – 2023 Educator Award Entry Form and essay to [email protected] by May 31, 2023.

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

Entry deadline is May 31, 2023 (NEW EXTENDED DEADLINE!)
Submit by email to [email protected]
We will announce the winner by June 23, 2023

LEARN ABOUT THE EXCLUSIVE BENEFITS OFFERED TO HARFORD AND BALTIMORE COUNTY EDUCATORS- EXPLORE THE REST OF THE GOLDEN APPLE PROGRAM!

*New members are also welcome to apply!

Freedom Federal Credit Union Announces New Philanthropic Foundation

The Freedom to Help Foundation was Established to Further Expand the Credit Union’s Efforts to Support Baltimore and Harford County Communities and Charitable Organizations

January 18, 2023 Bel Air, MD – Freedom Federal Credit Union announced today it has established The Freedom to Help Foundation to further its commitment to community support and to give back to the people, the organizations, and the communities it serves within Baltimore and Harford Counties.

Going forward, all community outreach and financial support will now flow through the Foundation. The Freedom to Help Foundation will collaborate with organizations and community partners who align with Freedom’s mission and community focus areas. Additionally, all existing financial support, like sponsorships, grants, donations, scholarship programs, to name a few, will be funded and managed as programs of The Freedom to Help Foundation.

“As Freedom has continued to grow, so too has our commitment to the people and organizations that do so much good in our shared communities”, said Mike MacPherson, President and CEO of Freedom Federal Credit Union. Establishing The Freedom to Help Foundation takes our commitment to do good in the community to another level. And it also allows others to share in the good we do. The Foundation creates an opportunity for our business and community partners, members, and employees to take part and join us in our philanthropic initiatives. Together, we can accomplish more, and do more, for those in need”.

The Freedom to Help Foundation has been incorporated as a 501 (c)3 non-profit, separate from the Credit Union, whose 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.

The Foundation is governed by a separate volunteer Board of Directors, functioning independent from the Credit Union. This Board will oversee the review and approval of all financial support considerations on how funds are distributed for community support based on the needs of Baltimore and Harford County communities and their philanthropic organizations.

Additionally, the Credit Union’s Community Outreach Committee, which oversees all volunteer efforts, will now be a part of the Foundation.

“In the last five years, Freedom Federal Credit Union has supported over 80+ organizations annually with over $1.0M of financial support during that time”, said MacPherson. “The Freedom to Help Foundation will allow us to grow that support in ways we could not even dream before”.

The Freedom to Help Foundation will officially launch this month, and there will be more information to share very soon regarding some great initiatives that are planned for 2023.

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 consumer financial services to those who live, work, volunteer, worship, attend school, or have family in Harford and 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 six locations throughout Harford and Baltimore County. To learn more, visit freedomfcu.org.

MedStar Franklin Square Medical Center Opens New Gym for Associate Wellness

Thanks to long-standing philanthropic partner, Freedom Federal Credit Union for $30,000 pledge

MedStar Health Check Presentation — Freedom Federal Credit Union representatives (L to R) Carmen David Mirabile, Freedom Senior Vice President of Marketing, Patrice Ricciardi, Senior Director Business Development, and Michael MacPherson, President and Chief Executive Officer present a check to MedStar Health’s Stuart Levine, MD, FACP, President and Senior Vice President, and Leah Murray, MHA, Director of Philanthropy Education.

BALTIMORE – (December 29, 2022) A $30,000 pledge by Freedom Federal Credit Union has made possible the opening of “Square Fitness,” an associate gym at MedStar Franklin Square Medical Center, to support the emotional and physical well-being of hospital employees.

Michael MacPherson, President and Chief Executive Officer of Freedom, along with Carmen David Mirabile, Freedom Senior Vice President of Marketing and Patrice Ricciardi, Senior Director Business Development, presented a giant check representing the commitment on Sept. 7th to hospital President and Senior Vice President of MedStar Health, Stuart Levine, MD, FACP.

“This means so much to me and my family,” said Dr. Levine, whose family also contributed to the costs of the gym. “But more importantly, it means so much to our associates, and to our learners, our residents, and our medical students. This is something that our internal community has asked for, for years. It far predates when I came here as president. I couldn’t be more pleased to celebrate the opening of this facility for our care providers.”

The gym, open to all MedStar associates, is located on the second floor of the hospital. It features two treadmills, ellipticals, bikes, strength-training fusion trainers, weight benches, along with one rower, a set of free weights, and a water bottle filling station. All equipment is from NordicTrack’s commercial line and will be linked to iFIT® technology, allowing access to fitness classes, structured workouts, and instruction.

“This type of endeavor, this gym, it’s more than just the physical equipment, it’s about the emotional health, the mental impact on members of our community. This was an opportunity to do something meaningful for MedStar associates, and that’s what this partnership is all about,” MacPherson said.

Freedom Federal Credit Union provides financial products and services in Harford and Baltimore County and is a long-time philanthropic partner to MedStar Health. The not-for-profit previously supported patient-centered initiatives at the MedStar Health Bel Air Medical Campus.

About MedStar Health

At MedStar Health, we use the best of our minds and the best of our hearts to serve our patients, those who care for them, and our communities. Our 30,000 associates and 4,700 affiliated physicians are committed to living this promise through our core SPIRIT values—Service, Patient first, Integrity, Respect, Innovation, and Teamwork—across our more than 300 locations including 10 hospitals, ambulatory, and urgent care centers. As the medical education and clinical partner of Georgetown University, MedStar Health is training future physician leaders to care for the whole person and is advancing care through the MedStar Health Research Institute. From our telemedicine and urgent care services to the region’s largest home health agency, we’re committed to providing high-quality health care that’s also easy and convenient for our patients. At MedStar Health—It’s how we treat people. Learn more at MedStarHealth.org.

About Freedom Federal Credit Union

Stronger Than Steel

Yin and Yang. Good and Evil. Positive and Negative. There are two sides in every situation. Sometimes you have to look very hard to see these opposite forces at play and sometimes, especially in times of difficulty, they are as clear as day. People say one cannot exist without the other; that you cannot know good unless you know bad, that you can’t experience joy without knowing sadness. There is a balance to nature and there will always be those dichotomies. Yet, I am ever hopeful that the balance will always weigh more heavily on the positive and we will see more similarities and good amongst ourselves than differences even though it is the differences that seem to be made more visible and given to louder, crueler voices. Such is life these days, I guess. However, in times of adversity, such as these recent days at Freedom, my hope has been renewed.

I have seen employees put everything aside, go above and beyond, to help those in need, quell fears, and answer questions. I have met members who have remained supportive, showed great understanding and patience because of the reputation we built and the trust we earned over the years. We have had numerous messages showing appreciation for our efforts, but I know that does not mean this situation wasn’t difficult or that it didn’t cause frustration. Every member of my family, myself included, experienced the same. However, one detour on the road does not stop the journey or end the mission. It simply emboldens us to carry on and strive harder. Even in the face of adversity and when others outside of Freedom or our membership use this as an opportunity to build up their own image by tearing us down, when they convey false information despite being told the facts; we persevere, we remain steadfast, professional and committed to our members and our community.

They say the strongest steel is forged by the hottest fires. It is pounded and struck repeatedly before it’s plunged back into the molten fire. The fire gives it power and flexibility, and the blows give it strength. Freedom is that steel. We are not defined by the trials we face but by how we come through them.

We greatly appreciate the support we have received. We appreciate the recognition that in 70 years nothing has tested us like this. We appreciate the opportunity to continue to serve and to earn your patronage and trust every day. We are a community institution, a not-for-profit cooperative committed to, and reliant upon, our members, our employees and our community. That will never change. So, as you stay the course with us, as you turn from negative emotions, as you ignore those opportunistic voices that would try to convince you otherwise, you will see that we are who we have always been; we are your partner, we are your advocate, we are your Credit Union.

We are Freedom.

Branch Closings

2023 Branch Closings Schedule

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

New Year’s Day 2023—Monday, January 2, 2023

Martin Luther King Jr. Day – Monday, January 16, 2023

President’s Day – Monday, February 20, 2023

Memorial Day – Monday, May 29, 2023

Juneteenth – Monday, June 19, 2023

Independence Day – Tuesday, July 4, 2023

Labor Day – Monday, September 4, 2023

Columbus Day (Indigenous Peoples Day) – Monday, October 9, 2023

Veterans Day – Saturday, November 11, 2023

Thanksgiving – Thursday, November 23, 2023

Christmas – Monday, December 25, 2023