It’s Tax Time! Get Your Tax Documents

How to Get Your Tax Documents

You can easily get your 2018 tax documents, in Online Banking or through the mail.

  • Getting Tax Documents if you have Electronic Statements (e-Statements)
    If you have e-Statements, 1099s and 1098s are archived and available in Online Banking. First, log in to Online Banking and click on “e-Statements”.**  Once you’re in Online Banking, click the tab for “Tax Forms” to view and/or print your document.
  • Getting Tax Documents if you DO NOT have Electronic Statements (e-Statements)
    We mailed tax forms to members not registered for e-Statements. Forms went to the mailing address we have on file.

Not registered for e-Statements yet?  Log in to Online Banking. Click on the e-Statements tab** and complete the registration steps. That’s all it takes for you to make the most of this convenient service.

Please remember to list Freedom online banking as a trusted site to prevent pop-up blockers from blocking access to e-statements.

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


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

2019 Tax Code Changes

Tax Code Changes—What You Need to Know

wooden blocks spelling out 2019 placed on top of a 1040 tax form

Although most changes won’t take effect until April 2019, some of them can impact the financial choices you’ll make this year. For that reason, here’s the details on the most important tax code changes.

  1. Changes to the amounts taxed for each income bracket
    The 7 tax income brackets remain unchanged, but the amounts each bracket is taxed have gotten an overhaul. Here are the new rates for taxpayers filing as individuals.

    Taxable Income Bracket                Tax Due 

    10%         $0-$9,700                       10% of taxable income

    12%         $9,701–$39,475              $970 +12% of income $9,700+

    22%         $39,476–$84,200            $4,543+22% of income $39,475+

    24%         $84,201–$160,725          $14,382.50+24% of income $84,200+

    32%         $160,726–$204,100        $32,748.50+32% of income $160,725+

    35%         $204,101–$510,300        $46,628.50+35% of income $204,100+

    37%         $510,301+                       $153,798.50+37% of income $510,300+

    You can check out the taxable income rates for couples filing jointly and for individuals filing as heads of households here

  2. Changes in standard deduction amounts
    The standard deduction in 2019 will be $12,200 for individuals, $18,350 for heads of household, or $24,400 for married couples filing jointly and surviving spouses.
  3. Elimination of personal exemptions
    The personal exemption amount is being eliminated for the 2019 tax year.
  4. Changes to itemized deductions
    • Medical and dental expenses.  For 2019, you can only deduct those expenses exceeding 10% of your adjusted gross income (AGI).
    • State and local taxes (SALT). The new maximum for SALT deductions is a combined total of $10,000 for taxpayers filing jointly.
    • Home mortgage interest. In 2019, home interest payments will be maxed at $750,000 for married couples filing jointly.
    • Job expenses and miscellaneous. In 2019, you can only claim work-related deductions that are less than 2% of your AGI.
  5. Changes to tax credits
    • Child Tax Credit. The child tax credit has increased to $2,000 per child.
    • Earned Income Tax Credit (EITC). The maximum EITC amount for 2019 is $6,557 for married taxpayers filing jointly who have three or more children.
    • Adoption Credit. The maximum adoption credit in 2019 for a child with special needs is $14,080. The ceiling for other adoptions is $13,810.
    • Lifetime Learning Credit. For 2019, the AGI used by joint filers to determine the reduction in the Lifetime Learning Credit is increasing to $116,000.
  6. Retirement account contributions
    For 2019, you can contribute a total of $6,000 to one or more traditional or Roth IRA(s) if you’re under age 50, and $7,000 if you’re age 50+. For 401(k)s, you can contribute $19,000, and $25,000 if you’re age 50+.

Branch Closings

2019 Branch Closings Schedule

Observance of federal holidays will cause branch closings in 2019. See the listing below for specific dates. Please call our Contact Center at 800-440-4120 with any questions.

New Year’s Day, Tuesday, January 1

Dr. Martin Luther King Jr. Day, Monday, January 21

Presidents’ Day, Monday, February 18

Memorial Day, Monday, May 27

Independence Day, Thursday, July 4

Labor Day, Monday, September 2

Columbus Day, Monday, October 14

Veterans Day, Monday November 11

Thanksgiving, Thursday, November 28

Christmas Eve, Tuesday, December 24—early closing TBD

Christmas Day, Wednesday, December 25

New Year’s Eve, Tuesday, December 3—early closing TBD


New Year’s Day 2020—Wednesday, January 1, 2020


2018 Holiday Closings

Upcoming Branch Closures

December 2018 closings

Please note the following upcoming closures—
  • All Branches will be closed on Tuesday, December 25 for Christmas
  • All Branches will be closed on Tuesday, January 1, 2019 for New Year’s Day
Early Closings:
  • Branches to close at 3:00 pm on Wednesday, December 13 for a staff event
  • Branches to close at 1:00 pm on Monday, December 24 for Christmas Eve
  • Branches to close at 1:00 pm on Monday, December 31 for New Year’s Eve

In the event of branch closure, please take advantage of our Electronic Banking Services, including our Mobile app

Best of Harford County

vote best of harford 2018 graphicVote Freedom for Best Credit Union in Harford County!


best of harford credit union graphic

Here at Freedom we appreciate and value all our members and local partners. We are a community-chartered credit union offering financial services to those who live, work, volunteer, worship, attend school, or have family in Harford County.  Freedom has been in business since 1953 and has five locations throughout Harford County.

We are reaching out today because we need your vote to win best Bank/Credit Union in the Harford’s Best Readers Poll.  With your help, we would like to be voted Harford’s Best Credit Union in 2018!  

Votes are being collected now until 5pm on December 14th. Please click on the link below and select Freedom Federal Credit Union to vote for us on Question #7-Best Bank/Credit Union.



Freedom to Help Challenge graphic

Win $500 for your favorite local charity!

Freedom Federal Credit Union believes in people helping people and we are challenging Harford County volunteers, companies, and non-profits to participate in the #FreedomToHelpChallenge photo contest this holiday season. Showcase volunteerism in Harford County for the chance to win a $500 charitable donation for your local non-profit of choice and other weekly prizes.


1.       Like or Follow Freedom Federal Credit Union on Social Media (Facebook, Twitter, Instagram)

2.       Post public photos showcasing volunteerism in Harford County from November 2nd through December 13, 2018

3.       Include a description of the volunteer effort along with the searchable hashtag, #FreedomToHelpChallenge on every post

4.       Visit us on Facebook every Friday to participate in public voting to increase your chances to win! (Every like equals a vote!)

Read Full Contest Details Here.

Grand Prize Info: The Final Showdown

Public Voting for finalists will be available on Freedom’s Facebook page on Tuesday, December 18, 2018 for 24 hours from the start of the voting period. Every like equals a vote.  Share with your friends to increase your votes.  The Grand Prize Winner will be announced via Freedom’s Facebook, Twitter, and Instagram page on or before  December 21st, 2018.

*Selected charity must be a registered 501(C)3 with a proven focus in Harford County.

User Action Required: MoneySmart to Replace My Financial Advisor

Money Smart online budgeting tool from Freedom Federal Credit Union
Freedom Federal Credit Union is excited to introduce our new and improved financial management tool, MoneySmart, now available to all Freedom Members for FREE.  MoneySmart will replace the current financial management tool, My Financial Advisor, effective September 30th.

MoneySmart makes it easier to manage money, monitor spending and actually see where your money goes. If you want to save money, improve financial health and make financial management easier, this is great news for you.

**Important Information for Current My Financial Advisor Users**

Your Freedom Federal Credit Union deposit account history for the past 90 days will carry over into the new MoneySmart tool. However, the remaining budgeting information you have saved within My Financial Advisor will not automatically carry over to the new MoneySmart system.  We recommend you export your existing information, prior to September 30th, to ensure no loss of data.
      You can export your My Financial Advisor budgeting information by following these simple steps:
      1. Log into Home Banking
      2. Click on the “My Financial” Tab
      3. Click on “Budget” located on the blue tool bar
      4. Select the month you would like to download and click “Export” on the right hand side of the window.
      5. Save the file
       We apologize for any inconvenience this transition may cause.
      Please export your data from My Financial Advisor by 11:59 PM on September 30th to preserve your data.

  • Benefits of MoneySmart:
  • A more complete financial picture, with the ability to sync your accounts from more than 17,000 financial institutions.
  • Automatically tagged and categorized transactions, so it’s easier to understand spending habits.
  • Better visual tracking of your progress, allowing you to reach financial goals quicker and easier.
  • A cashflow calendar that shows what is coming in and going out.

MoneySmart makes it easier than ever to stay on track, set goals, and maintain your finances responsibly.